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홍차넷
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Warning: Use of undefined constant r - assumed 'r' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 47
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 269
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 300
Warning: Use of undefined constant title - assumed 'title' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 16
티타임
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 21
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- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
Warning: Use of undefined constant use_formmail - assumed 'use_formmail' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 519
Warning: Use of undefined constant use_category - assumed 'use_category' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/include/print_category.php on line 9
전체기타일상/생각꿀팁/강좌방송/연예도서/문학영화의료/건강문화/예술경제생활체육과학/기술철학/종교정치요리/음식역사여행육아/가정IT/컴퓨터음악창작게임스포츠사회오프모임
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 19/05/29 18:56:10 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 |
| Name | 소원의항구 |
| Subject | 알기쉬운 자동차보험 0. 들어가며 |
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아주 예전에 관련업계에 종사했었는데요. 세월이 많이 흐른 지금도 아직도 많은 사람들이 자동차보험에 대해 모르는 부분들이 있는 것을 봅니다. 그리고 주기적으로 인터넷 커뮤니티에서 "자동차보험에 대해 꼭 알아야하는 사실들." "보험회사가 절대로 알려주지 않는 사실들."과 같이 검증되지 않은 과장되고 왜곡된 정보들이 꾸준히 생명력을 얻는 것을 보며, 언젠가 한번쯤은 바로잡을 필요가 있다고 생각이 들었습니다. 하지만 사실 일을 하면서 따로 시간내기가 어려웠는데요. 얼마전에 자동차 사고 과실비율이 조정된다는 기사를 보며, 조금이라도 힘을 내보려고 합니다. 물론 제가 가지고 있는 지식은 오래되어서 지금하고 맞지 않는 부분이 있을수 있습니다. 또한 법조계도 아니다보니 정확하지 않은 부분들도 많은 것 같습니다. 이런 부분들을 가감없이 댓글로 지적을 해주시면 좀 더 정확하고 풍성한 내용으로 채워질 것 같습니다. 모조록 많은 관심 바랍니다. ^^; ------------------------------------------------------------------- 1. 손해보험의 기본 개념. 자동차보험은 손해보험의 한 종류입니다. 손해보험에는 화재보험, 배상책임보험, 여행자보험, 자동차보험 등등이 있습니다. 손해보험의 기본 개념은 다음과 같습니다. 1. 혹시 일어날지도 모를 사고를 대비해서 미리 돈을 모아놓는다. (보험료) 2. 보험회사는 위 1.의 돈을 모아서 운용을 한다. 3. 사고가 발생하면 보험회사는 위 1.의 돈을 투입해 발생한 사고의 이전상태로 원상복구를 한다. (보험금) 즉, 손해보험은 손해가 난 것을 복구하는 개념입니다. (생명보험은 이와 다릅니다. 무엇과도 바꾸기 어려운 생명이라는 고귀한 가치에 대해 미리 금액을 모아두고, 그 생명을 잃었을 경우 그 금액을 지급해주는 제도에요. 정확한 것도 아니지만 대충 넘어갑시다.) 그런데, 기본 개념은 그런데 이 원상복구라는것이 참 그래요. 자동차 문짝이 한번 찌그려졌다 칩시다. 이걸 다시 피면 예전과 똑같을까요? 열심히 도색도 하고 기스도 없앴어도. 이 문짝은 사고나기 전과는 동일한 문짝이 될 수가 없죠. 그러면 새 문짝으로 교체를 하면? 그것도 원상복구는 아니에요. 오히려 좋아졌죠.. 그래서 사고가 난 시점만큼 시간이 경과된 문짝을 찾아서 달아준다면 그건 원상복구일까요? 우리가 사는 현실은 이렇듯 허점이 많이 있어요. 그래서 보험제도는, 나아가서 자동차보험은 이런 여러가지 한계들을 이런 방식 저런방식을 다 동원해서 최대한 원상복구에 가깝도록 발전을 해왔습니다. 물론 완벽한 건 없죠. 그래서 부족한 부분에 대해서는 제도적인 장치나 사회적인 합의나, 관행 등으로 커버를 하게 되는데요. 이런 것들이 어떤 부분은 합리적이지만 또 어떤 부분은 불합리한 부분들이 있어요. 그래서 이런 것들에 대해 하나씩 살펴보려고 해요~~ 하지만 자주 올리기는 어려울 것 같아요~ 그럼 이만~ Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 8 이 게시판에 등록된 소원의항구님의 최근 게시물
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 605
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Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 640
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Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/cmt_replace.php on line 3
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 6
Warning: Use of undefined constant file_name - assumed 'file_name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 28
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125048 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
125048 class='vcm '>
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Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
125048'> 조선일보최고야
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
19/05/29 19:11
125048>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
어제 자동차보험 갱신했는데 ㅠㅠ
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
125048>
125048>
