- 일상생활배상책임보험 보장 범위 및 보장 사례
- 일상생활배상책임보험은 고의적인 사고가 아닌 우발적으로 발생한 사고로 타인에게 피해를 입혔을 때 발생할 수 있는 배상금을 보상받을 수 있는 보험입니다. 이번 글에서는 일상생활배상책임보험 보장 범위 및 보장 사례, 보상 한도, 보험료, 자기 부담금 그리고 가입 여부 확인 방법까지 안내해
Our daily lives are full of unpredictable accidents. A small mistake can harm others, and we may face unexpected situations. To prepare for such situations, insurance is essential, namely, "Liability Insurance for Daily Life"Liability Insurance for Daily LifeThis article provides detailed information about Liability Insurance for Daily Life. We will address all your questions, from coverage and compensation examples to the application process, helping you make smart insurance decisions.
What is Liability Insurance for Daily Life?
Liability Insurance for Daily Life is insurance that covers the legal liability arising when we accidentally harm others in our daily lives. For example, this includes cases such as water leaking from your home and damaging the apartment below, or your pet injuring someone.
Why do you need Liability Insurance for Daily Life?
- Preparation for Unexpected Accidents: Unexpected accidents can happen to anyone. Liability Insurance for Daily Life reduces the significant financial burden that may arise from such accidents.
- Affordable Premiums: Compared to other insurances, you can receive extensive coverage with relatively low premiums.
- Wide Range of Coverage: It covers accidents occurring in various situations, including homes, daily life, and pets.
What is the coverage range?
- Housing: Accidents caused by the ownership, use, and management of housing (e.g., water leakage)
- Daily Life: Accidents that occur during daily life (e.g., damaging someone else's belongings)
- Pets: Accidents caused by pets (e.g., injuring others)
Compensation Cases
- Damage to the apartment below due to water leakage
- When a child damages someone else's belongings
- When a pet injures someone else
- When you bump into someone while walking and cause them harm
Cases Where Compensation Cannot Be Received
- Intentional acts
- Accidents that occur during work
- Car accidents
- Losses incurred by the insured person themselves
What are the premium and compensation limits?
Everyday Life Liability Insurance Coverage
Premiums vary depending on the insurance company, coverage period, and coverage details, but are generally inexpensive, ranging from a few thousand won to several tens of thousands of won per year. The compensation limit is mostly set at 100 million won.
Application Method
- Subscribe as a special clause in personal accident insurance, comprehensive insurance, etc.: It can be subscribed as a special clause in most non-life insurance products.
- Subscribe to a standalone product: Some insurance companies also allow subscription to standalone products.
Points to Note
- Pro rata compensation: Even if you subscribe to multiple Liability Insurance for Daily Life policies, only the actual amount of compensation paid will be compensated pro rata.
- Insurance claim statute of limitations: Claims must be made within three years of the accident.
- Notification of changes such as relocation: You must inform the insurance company if you move or if the ownership of your house changes.
9. Frequently Asked Questions
- Can I receive compensation for accidents that occur while traveling abroad? Generally, only accidents that occur domestically are compensated.
- What is the difference between Liability Insurance for Daily Life and Family Liability Insurance for Daily Life? Family Liability Insurance for Daily Life covers the family members of the policyholder.
Conclusion
Liability Insurance for Daily Life is valuable insurance that protects us from unexpected accidents. Since you can receive extensive coverage with affordable premiums, if you haven't subscribed yet, consider subscribing now.
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