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홍차넷
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티타임
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- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
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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 19/05/30 20:22:13 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 1. 자동차보험은 어떻게 발전해왔는가? |
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사실 우리 주변에 자동차가 이렇게 흔하게 된 건 얼마되지 않았습니다. 시기적으로 1980년 이후부터 자동차가 많아지기 시작했고, 그 이전에 자동차라는 것은 부유한 사람들 또는 트럭, 건설기계 등을 운전하는 사람들로 한정되어있었죠. 그리고 운전기사라는 직업군이 존재할 만큼, 운전을 할 수 있는 사람 자체가 드물었던 시절이기도 하고요. 그래서, 자동차 운행/사고와 관련된 제도와 법규를 만들고, 판단하고, 집행하는 사람들 중에는 자동차를 운행해보지 못하거나, 자동차를 소유하고 있어도 실제 운전을 할 줄은 모르는 사람들이 상당히 많았던, 그런 시절 이야기입니다.  <최초의 국산 자동차 "시-발자동차"> 이런 초창기에는 자동차가 그렇게 흔하지 않았던 관계로, 일반 사람들도 자동차의 위험성에 대해 그리 크게 인식하지 못하던 때입니다. 도로도 정비가 제대로 되어있지 않았고요. 지금처럼 인도와 차도가 구별되어있지도 않았고, 그냥 적당한 길에 사람과 소달구지와 자동차가 서로 뒤엉키며 다니던 시대죠. 자동차의 절대적인 수가 부족하던 시대이니만큼 자동차사고라는 것은 거의 대부분 자동차가 지나가던 행인을 치는 사고가 거의 대부분이었습니다. 자, 그러면 자동차가 사람을 치어서 다치게 하면 어떻게 해야할까요? 당연히 물어줘야 합니다. 그런데 내가 멀쩡하게 잘 운전하고 있는데, 옆에 있던 사람이 갑자기 발을 헛딛어서 내 차 앞으로 쓰러졌다면? 그럼에도 내가 다 물어줘야 할까요? 반대로, 보행자의 입장에서 봅시다. 잘 걸어가고 있는데 왠 차가 갑자기 덮친거에요. 그러면 어떻게 하죠? 당연히 치료비를 받아내야겠죠? 그리고 병원에 입원해서 치료받는 동안 일을 하지 못하잖아요 그 손해는요? 그리고 만약 영구적인 장해가 생긴다면? 그리고 불행하게도 사망을 했다면 무엇을 물어줘야 할까요? 1억? 2억? 그걸로 될까요? 이런 사고에 대해서 우리나라의 민법은 다음과 같이 정의를 내리고 있습니다. 민법750조(불법행위의 내용) : 고의 또는 과실로 인한 위법행위로 타인에게 손해를 가한 자는 그 손해를 배상할 책임이 있다. 여기서 "배상책임"이라는 개념이 등장을 합니다. 그런데, 위에 보시면, "고의" 또는 "과실"이라는 단서가 있습니다. 즉 가해자가 피해자에게 손해를 가한 것은 맞는데, 그것이 가해자의 고의/과실이냐 아니냐(불가항력 또는 피해자의 고의/과실로 발생한 것이냐 등)를 입증을 해야 하는겁니다. 누가요? 당연히 피해를 입은 피해자가요. 이것은 꼭 교통사고 뿐만 아니라 모든 배상책임에 적용되는 일반 원리입니다. LOL에서 욕설로 고소할 경우 생각해보시면 간단합니다. 누가 나에게 욕했을 경우 화면 캡쳐 등을 한다음 고소장을 제출하잖아요? 이것을 교통사고에서도 해야 한다는 것입니다. 그런데, 이게 자동차가 흔하지 않던 5, 60년대에는 자동차사고에 이걸 그대로 적용하는 것이 무리가 되었습니다. 그 당시 대부분 자동차를 운행하는 사람들은 부자나 사회고위층이었고요. 대부분의 피해자는 일반 서민이었는데요. 이런 서민들이 고위층을 대상으로 운행상 과실과 그 피해를 입증해야 하는데, 그것이 현실적으로 정말 어려웠던 것이죠. 또, 그런 피해를 입증하기도 어려웠을 뿐더러 자동차 소유주가 배를 째버리면 어떻게 할 도리가 없는 경우도 많았어요. 피해액을 최종적으로 입증하고 확정을 하려면 소송을 가야 하는데, 생업도 빠듯한 서민들이 피해자 치료/간호를 하면서 법정 분쟁을 벌인다는 것이 사실 불가능했던 것이죠. 그래서 돈있고 권력이 있던 가해자 측에서는 그런 약점을 이용해서 시간을 질질 끌거나 하는 식으로 피해자를 압박하면서 쥐꼬리만한 금액으로 합의를 종용하는 경우가 많았어요. 그리고 피해자 가족의 경우 당장의 치료비가 급급한 상황에서는 울며 겨자먹기 식으로 합의를 할 수 밖에 없는 경우가 많기도 했고요. 그래서 피해자가 피해사실을 입증해야 한다라는 이런 민법의 일반적인 원칙이 정작 자동차 사고에는 적용하기 어렵다는 사실이 알려지는 데에는 시간이 많이 걸렸는데요. 결국 자동차 사고에 한정해서는 보다 합리적인 법 체계를 만들자는 취지로 새로운 형태의 특별법을 제정하게 됩니다. 1963년에 제정된 "자동차손해배상보장법(자배법)"이 바로 그것입니다. 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 9 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
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 609
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 609
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 614
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 616
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 618
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 618
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 612
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 612
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/pb/view.php on line 620
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
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
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 644
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
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
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 65
125167 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
125167 class='vcm '>
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 70
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
125167'> 화이트카페모카
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
19/05/30 20:37
125167>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
시-발 자동차의 위엄
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
125167>
125167>
