<Anchor> It
is a friendly economy time.
Today (27th) I will be with reporter Kwon Ae-ri.
I heard that there are a lot of things that will change among the things that insurance pays out in the event of a car accident in the future?
<Reporter>
Yes.
Regarding car insurance money, I think it's best to just not know because you haven't had an accident, or not to know forever, but let's find out what changes at least as a way to reaffirm your decision to drive safely.
Until now, when I was in a car accident, if I did anything wrong, my insurance would cover the entire cost of the other person's treatment, up to the extent possible.
However, from next year, if the other party is injured but it is minor, both I and the other party will ask for the other party's medical expenses as much as each person did at fault in the accident.
If my treatment cost came out quite a bit, and if the money from the other party's insurance money doesn't cover it all, I'll have to pay for the treatment from my insurance or go to the hospital with my own money.
<Anchor>
I think I barely paid for the treatment if I had insurance, but now I have to pay my own money.
So, let's take a look at this minor injury first.
You seem to have suffered minor injuries, but how much do you consider minor injuries?
<Reporter>
Yes.
The degree of minor injury, as seen in insurance, is firmly established.
However, in the opinion of ordinary people, minor injuries are included even to the extent that they think that this is a serious injury.
A sprained back, two or three broken teeth, a 3cm tear in the face, or a ruptured eardrum are all minor injuries.
Up to the 12th grade, it is a minor injury.
Until now, there was not much fault on my part, and the other person was at fault about 9 to 1. If the other person was injured this much, my insurance paid out all the medical expenses.
But in the future, that won't be the case.
We have to share the treatment cost in proportion to each other's wrongdoing.
However, there is a limit on compensation of compulsory insurance, which is commonly referred to as one person.
In a word, it is the basic amount that each other has to pay from the other party's insurance in the event of an accident.
So far, it's the same as before.
However, if you receive treatment that exceeds 1.2 million won, you pay for the treatment as much as you did wrong.
It would be quicker to give an example.
A car accident happened.
Mr. A's fault is 8, Mr. B's fault is 2.
However, Mr. A, who did more wrong, broke a tooth, and Mr. B suffered a bruise on his arm.
<Anchor>
Wait a minute.
If we think about the table we saw earlier, are those two cases the same 14th grade?
(The lowest level is 14th grade.) It corresponds to the lowest level 14th.
<Reporter>
The degree of injury seen in insurance is the same for both, but it is a minor injury that belongs to the lowest level.
At this time, the amount of money that is compulsory to go out of each other's insurance is 500,000 won.
But Mr. A also broke his tooth, so I have to go to the hospital some more.
If you say that you will pay 3 million won for treatment.
Even if Mr. A is actually responsible for most of the accident, he has been able to receive the full cost of treatment with Mr. B's insurance until now.
In the future, 2 million won out of 2.5 million won, minus the minimum amount of 500,000 won, will have to be paid by Mr. A himself.
As much as 8 fruits.
Either you get it from your own insurance offspring or you just have to take the money out of your own wallet.
<Anchor>
That's right.
It changes quite a bit.
But after listening to the explanation like this, I think of this.
So, if I did something wrong, it's an accident.
Then I feel like I'm not going to get excessive, more than necessary.
<Reporter>
Yes.
That's exactly what I was aiming for.
The financial authorities saw that even if the cause of the accident was much bigger, the insurance money came from the other party, so there was a case of overtreatment without thinking too much.
Another thing is that if I am not at fault in an accident, but the other party takes a lot of insurance money, there is room for a premium to be added to my insurance premium for the following year with little negligence.
I see that this is not fair.
If a minor injury costs a lot of money for treatment, it means to make the fault more burdensome on one side.
However, from the middle to the top, it is the same as before.
Even if my fault is big, the treatment cost can still come out of the other party's insurance.
What is the severity of the injury, from a concussion to a crack in the facial bone?
Accidents like this really shouldn't have happened in the first place.
In addition, in the case of pedestrians and bicycles and motorcycles, it is the same as before.
Even if the negligence of the passer-by is more minor, the vehicle side insurance will pay all the medical expenses as it is now, in the sense that it was much weaker than the car.
Another thing that will be of great interest among the changes this time is that in the case of a contact accident in which the car is scratched or stamped, this has been repaired by insurance until now.
Parts replacement is possible in the future.
However, it does not change to what is commonly referred to as a genuine product.
It is a so-called quality certified part recognized by the Automobile Parts Association, a new product that is cheaper than the genuine product, and it will be replaced with a product that has been certified that there is no problem with performance even if it is replaced with this.