- 격락손해보상 조건 및 보상금 신청 방법
- 자동차 사고로 중고차 시세가 하락하게 되어 발생한 피해를 보상받을 수 있는 제도는 격락손해보상(자동차시세하락손해) 제도입니다. 이번 글에서는 격락손해보상 조건 및 보상금 신청 방법과 청구 서류까지 설명해 드리도록 하겠습니다.
The decrease in the value of my car due to an accident is called "diminution in value". The system that allows you to receive compensation for this diminution in value is called "diminution in value compensation".
Diminution in Value Compensation: In what cases can I receive it?
- 70% or more of the fault lies with the other party: Compensation can be received when the other party's fault is greater than your own.
- Vehicles less than 5 years old: This applies to vehicles that have not been owned for very long.
- Repair costs exceed 20% of the vehicle's value: This applies when repair costs are excessive, significantly decreasing the vehicle's value.
- Application within 3 years of the accident: You must apply to the insurance company within 3 years of the accident.
Diminution in Value Compensation: How much can I receive?
- The compensation rate varies depending on the time since the vehicle was released: For vehicles less than 1 year old, 20% of the repair cost is compensated; for vehicles less than 2 years old, 15%; and for vehicles less than 5 years old, 10%.
- The compensation amount is adjusted according to the percentage of fault of the other party: If the other party is 100% at fault, 10-20% is compensated, but if you are partially at fault, the compensation amount will be reduced accordingly.
Diminution in Value Compensation: How do I apply?
Diminished Value Compensation Conditions and Claim Process
1. Apply to the insurance company: Apply for diminution in value compensation to the other party's insurance company.
2. Submit necessary documents: Submit documents such as the vehicle registration certificate, insurance accident confirmation certificate, and repair history.
Questions about Diminution in Value Compensation?
- What if the insurance company refuses compensation? You can appeal to the insurance company again based on the standard clauses of the auto insurance policy or seek the help of a legal professional.
- What if the vehicle is over 5 years old? While compensation through the insurance company is difficult, you can file a damage claim lawsuit in court.
In closing
The financial burden of damages incurred due to a car accident can be substantial. We hope that through the diminution in value compensation system, you can claim your rights and receive appropriate compensation.
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