‘Eulwang-ri Benz’ in a drunk accident caused by someone else’s corporate car, what will happen to the insurance?

Check-in 2020.09.17 06:00

It seems that there is a liability insurance of up to 150 million won
Alcohol does not cover driver’s insurance that compensates for criminal damages.

Amid growing voices that the driver of a Mercedes vehicle, who killed the head of a 50-year-old man who delivered chicken near Eulwangri Beach in Incheon while driving under the influence, should be severely punished, is also increasing interest in how driver insurance will be handled.

Although it has not been confirmed exactly what insurance is insured for the driver and the driver’s vehicle separately, the opinion prevails that the driver was drunk and used the passenger’s corporate vehicle instead of his own, the opinion that the treatment will be different that of the general conductor. .

According to Incheon Central Police Station, A (33, female), who is charged with a fatality for dangerous driving under the Weighted Penalties for Certain Crimes Act, was drunk on the second lane of a road in Eulwang-dong, Jung -gu, Incheon on the 9th around 0:55, while driving a Benz car while riding a chicken delivery motorcycle. He was arrested on charges of killing Ms B (54, male) of Moldon. At that time, A’s blood alcohol concentration was 0.1% or more, exceeding the level of license cancellation (0.08%).

Although it differs depending on the type of insurance and the special contract for the vehicle A and A drove, the liability insurance (personal 1, item 1), which drivers are required to underwrite, covers up to 150 million won for personal injury and 20 million won for property damage. In the case of drinking and running, a self-pay payment of 4 million won (3 million for an adult, 1 million for an object) is imposed. In A’s case, once he pays 4 million won, the insurance company compensates B’s civil damages up to 170 million won. If the amount of damage is greater, Mr. A is responsible. Usually the insurance company first compensates for the damage and then claims the right to repair the part.

If voluntary insurance (personal 2 or object 2) is added to a Mercedes vehicle, the insurance company will also bear damages in excess of that amount. Discretionary insurance is not legally mandatory insurance, but selective, but when only liability insurance is covered, the amount of coverage is insufficient, which is why most drivers often subscribe to discretionary insurance. However, since this vehicle is a corporate vehicle, A’s responsibilities vary depending on the insurance contract.

An insurance industry official said: “Even if the accident Benz car is covered by voluntary insurance, the amount for which the insurance company is liable will vary depending on how the scope of the driver is established.”

Since the passing of the ‘Yoon Chang-ho Law’, which strengthens the punishment for deaths while driving while intoxicated, the Financial Supervision Service has implemented a revised bill of the ‘Standard Terms and Conditions of Insurance of June Automobile ‘, which reinforces the self-pay of drivers in a hit-and-run accident. Even if the vehicle is covered by voluntary insurance, if it was purchased or renewed after June, Mr. A must pay an additional fee of up to 100 million won for personal injury in excess of 150 million won. Property damage in excess of 20 million won is subject to an additional charge of up to 50 million won.

Just because insurance companies pay the insurance money does not mean that criminal liability disappears. If the driver who caused the accident had driver’s insurance, he could receive criminal prosecution fines, attorney’s fees, and victim settlement fees. However, most driver’s insurance policies stipulate that alcohol and hit-and-run accidents are exemptions, so it is expected that it will not be easy for Mr. A to receive the insurance money even if he subscribes to the driver insurance.

An insurance company official said: “Depending on the insurance, there are cases where insurance benefits are paid to drivers who have had an accident while intoxicated or hit the road. The truth is that you must see the insurance and special contracts signed by Mr. Habrá. “

On the Blue House National Petition Internet bulletin board, a petition written by Mr. B’s daughter urging Mr. A to severe punishment obtained nearly 600,000 consents within six days of the request. Mr. B’s daughter said, “My father, the youngest of seven siblings, died and my family was separated in an instant,” and said, “For my father, who has never lived long in his life, please don’t allow the murderer to abuse the law and escape. ” .