When you hit a person with your bicycle.
or
When you get hurt from somebody's bicycle.
Please read this post.
How are you today? We are Onjeon claim adjuster in Busan, Korea.
Have you heard about Claim adjuster? When you have to Sue or when you get sued, you may need to hire lawyer. Likewise, when you have some problem with insurance, you may need to hire claim adjuster.
In Korea, a lot of people have a few insurances, usually by parents first such as motor insurance, cancer insurance, sickness insurance, accident insurance and so on.
This time, I would like to post one good knowledge for the person who likes to ride a bicycle or got hurt from bicycle.
Let's get this started.
The topic which I want to tell you today is "일상생활배상책임보험"("Liability insurance in daily life" , This might be literal translation). Legal liability refers to the responsibility to compensate financially when another person's body or property is damaged by violating the legal rights of another person.
Mostly you can't buy this insurance only, but buy this with other insurances. It is usually included in accident insurance and not that expensive. Around 1$ a month. Only 1 dollar! Many people don't know whether they have this insurance already or not.
Plus, there is one more important thing with this insurance. Not only a insurance contractor but also that person's family members can be covered by this.
For example,
1. I hit a woman with my bicycle and I don't have any insurance.
2. I am not a insured person.
3. The woman's ankle was fractured.
4. The woman's estimated damage is around 20,000,000 won.(Approximately 20 million dollars).
5. My korean wife(or husband) has '실손보험(This insurance rarely exists in korea and most korean know this insurance.)
If you don't have information of ths, you may pay 20,000,000 won to the woman in cash.
But the answer is 'No'. your wife's insurance can cover it. If 20,000,000 won is not that big and you already have a lot of money, you dont have have to read this but it is not that small. right?
일상생활배상책임보험(Liability insurance for daily life)'s insured person range is quite wide. Kinship family mambers living together can be an insured person also.
There are 3 types of 일상생활배상책임보험 in korea according to the insured person's range.
1. 일상생활 배상책임보험(Liability insurance for daily life).
- Named insured person, Spouse, Children(Under 13 years old)
2. 가족생활 배상책임보험(Liability insurance for family member's daily life.)
- Named insured person, Spouse, Kinship family mambers living together, Children living separately.
3. 자녀생활 배상책임보험(Liability insurance for children's daily life.)
- Named insured person, Spouse, Children, children's legal supervisor.
So! when you have problem, you have to ask your familiy member if they have above insurances.
when you are also a victim for an accident, you should ask to offender if that person(And that person's family members) has insurances.
Liability insurance guarantees many accident also. Such as,
1. Loss from water leakage.
2. Loss from fire or conflagration.
3. Loss of cell phone or laptop.
4. Loss from Bicycle accident.
5. When your dog bites someone.
There are some exclusion clauses you should not ignore.
- Accident during a job performance(High expertise is needed).
- Accident during a sports performance(High expertise is needed).
- Accident what other insurance can cover.
(For example, traffic accident from cars. Motor insurance guarantees it in this case.
but when driving force is by man power like bicycle and skateboard, liability insurance can guarantee) - Accident from someone's deliberation.
I would like to tell you one real case which we are still on.
Our client was hit by a bicycle on the sidewalk. (I will post about this culture next time). His ankle was fractured and the loss looked quite high. (Over 10 milion dollars.)
Offender is a normal person and her job is public officer. So she should have compensated for his loss certainly. Fortunately, her husband bought liability insurance daily life. (so lucky...). In this case, offender should pay two things, one is for criminall agreement, the other one is civil agreement.
As a result, she only need to pay insurance deductible(200,000 won). Insurance company will pay a lot.
If you know anybody worred about this or having difficulty like this case, please contact us as soon as possible.
(Victim or offender both!)
Sometimes, living in other contries makes you lonely, depressed and sad when you don't have any problem in your life. I was living in Melbourne, Australlia. Luckily, I wasn't sick at all and in good condition. I love to play futsal, to be honest, I am addicted to play futsal. What If, I got strained ankle? or fractured ankle? I don't wanna imagine how much I should have paid.
Even though you are in good condition, living in korea is difficult. So if you made decision to live in korea, please look over insurance.
We are claim adjuster. I am not so sure if this word(claim adjuser) is proper and well translated. But one thing I can assure you. We will prevent you from making bigger loss when you are an offender or a victim both. Not like lawyer in korea, We provide free consulting. So, please don't hesitate, contact to us first. To be honest, as soon as possible. Timing can make changes sometimes.
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