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FAQ - 자주 뭍는 질문

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제목 FAQ - 전동제품 사용과 관련한 각종 보험 정보
작성자 SOCIAL ASSET BANK (ip:)
  • 작성일 2016-06-05 18:07:48
  • 추천 추천하기
  • 조회수 576
평점 0점

1. 전동킥보드 전동휠 관련 제품들이 보험가입이 되나요?


전동개인이동 제품은 현재 보험가입이 되지 않습니다.


2. 그럼 타업체에서 광고하는 보험은 무엇인가요?

대부분의 타업체 보험은 제조자책임 보상보험으로서 제품의 하자로 사고가 났을때 최고한도 내로 보상해 주는 보험입니다.

그러나 제대로 보상을 받기 어렵습니다. 이유는

첫째 고객이 직접 제품하자의 증거를 확보하고 밝혀야 합니다.
둘째 수리,개조,관리소흘로 인한 사고때에는 보상받기 어렵습니다.
세째 제조사, 판매사, 보험사를 신뢰할 수 없습니다. 제조사는 제조사대로 조립실수나 부품실수가 있을수 있고 또 보험적용은 받은 제품과는 다른 신모델이 계속해서 나오기 때문에 또는 제조사가 실수할수 있기 때문에 보험사는 보험지급을 거부할수 있습니다. 아울러 판매사는 보험사에 보험을 들지만 제조사만큼 정보가 정확치 않기 때문에 보험사의 전문적인 조사가 들어올 경우에 판매사는 대응하기 어렵습니다.
네째 통계적으로 거의 제조자책임보상이 이루어진 경우가 없으며 최근의 옥시사건처럼 사람이 수백명이 죽어서 수년간 투쟁을 벌여야 보상이 조금 나올까 말까 합니다. 급발진 차량에 대한 보상도 한건도 이루어진것이 없는것을 봐도 이 보험은 유명무실한 보험입니다.

3. 그럼 보험없이 무방비로 위험하게 타야 되나요? 어떻게 해야 하나요?

전동제품의 사고유형은 대게 2가지 입니다.
첫째 밧데리 과열 과충전으로 인한 폭발이나 배선합선 및 누전으로 인한 화재발생
둘째 운행중에 운전조작 미숙이나 다른 사람과 차량과 부딪혀서 발생하는 운전중사고

가 대부분의 사고에 해당이 됩니다.

첫번째 경우에는 반드시 전동제품을 가지고 있는 가정은 화재보험을 드시는게 좋습니다.
화재보험은 금액도 크지 않을뿐 아니라 전동제품이 없어도 가입하면 좋은 보험입니다.
화재사고의 경우에 자신의 생명과 재산뿐 아니라 주변 이웃과 건물의 손실도 보생을 해주기 때문에 아주 유용한 보험입니다.

두번째의 경우에는 운전자보험이나 상해보험에 가입하면 좋습니다.
운전자나 상해보험의 경우에는 어떤 자동차나 운송수단에 상관없이 도로나 이동중에 발생하는 사고에 대해서는 보상을 해주기 때문에 구지 전동제품이냐 아니냐를 따질 필요가 없습니다.
내가 밖에서 이동중이나 운전중에 사고가 낮다면 운전자보험이나 상해보험을 통해 나 자신의 손실은 보상받을수 있습니다.

그리고 아주 특이하게 전동휠이나 킥보드를 타다가 보행자나 어린이를 다치게 하는 경우가 있는데
이때는 상황이 심각하지 않으면 최대한 피해자에게 죄송하다고 사과하고 그자리에서 가볍게 약값으로 보상을 해주고 헤어지는게 좋고
상황이 심각해서 - 특히 어린이의 경우 - 많이 다친 경우에는 - 그럴 확률은 매우 적지만 - 병원에 모셔다 드리며 최대한 빨리 적절한 금액으로 합의서를 작성하셔서 사고를 일단락 짓는것이 좋습니다.
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