중앙데일리

Only half of drivers are insured against flooding

폭우에 침수된 차량 2대 중 1대는 피해보상 막막할 듯

July 28,2011
Yesterday’s record rainfall and flooding took no prisoners, including many drivers in Seoul who had to battle rising waters, with submerged cars on waterlogged streets and highways dotting the cityscape.

Local car insurance companies said they were still assessing damages and claims as the record rainfall only began on Tuesday afternoon. But only about half of the country’s drivers may be insured against flood damage to their cars because of low public interest in policies that cover weather or natural disasters.

According to the Korea Non-life Insurance Association (KNIA), the trade group for general insurers, drivers can receive compensation for water damage caused by floods or typhoons if they have subscribed to the “own-car damage coverage” clause in their car insurance policies.

“As of the end of April, only 55.9 percent of the nation’s drivers had signed up for this coverage,” said Ghi Seung-do of Korea Insurance Research Institute. “This number certainly needs to go up.”

The clause, which is not legally mandatory and costs extra, not only insures the policyholder against repair costs from collisions with other cars but covers losses sustained from water damage, fire, lightning, falling debris and natural disasters.

“Insurable cases include cars parked in legal parking spots that have been submerged or damage to the car while passing by a flooded area,” KNIA said in a statement. “Belongings inside the car or damage due to opened windows or sunroofs are not compensated.”

Additional evidence points to lingering disinterest in protection against the risks of weather extremes. In early June, the nation’s largest general insurer Samsung Fire & Marine introduced a weather insurance policy that covers revenue losses for industries susceptible to weather, but “hardly any were sold” since then.

“Much of the public seem oblivious to the need for protection against weather,” said Lee Sang-hyuk, spokesperson for Samsung Fire & Marine.


By Lee Jung-yoon [joyce@joongang.co.kr]


한글 관련 기사 [머니투데이]

침수 차량 3000대… 긴급출동 11만건

중부지방에 내린 집중호우로 현재까지 3,000대를 넘는 차량이 침수 피해를 당한 것으로 나타났습니다.

26~27일 이틀간 12개 주요 손해보험사에 접수된 침수 피해차량은 2,838대에 달합니다.

같은 기간 긴급출동 서비스도 11만여건에 달했습니다.

침수 피해로 인한 차량 견인이나 수리 요청이 줄을 잇고 있기 때문입니다.

자신의 차량이 침수 피해를 입었다면 일단 자동차보험을 가입한 손해보험사에 연락해야 합니다. `자기차량손해` 담보에 가입한 운전자라면 보험을 통해 보상받을 수 있습니다.

침수차량이 증가함에 따라 삼성화재 현대해상 동부화재 등 손보사들의 이익은 적지않게 줄어들 것으로 예상됩니다.



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