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With more and more rental cars driving at travel destinations during the recent holiday season, it is necessary to be familiar with them in advance as they can incur an exemption if they drive into a parked car alone even if they subscribe to self-insurance without paying for it in the event of an accident. In other words, in the case of a single accident that does not collide or collide with other vehicles, the person who borrowed the car can bear the exemption and repair costs.
According to the Consumer Dispute Mediation Casebook published by the Korea Consumer Agency, Mr. A, who had completely self-insured car insurance, rented a car after being informed that he could receive all the repair costs in case of an accident alone, such as hitting an object or hitting a wall or stone.
After renting a car from a rental car company, A crashed a vehicle parked in the hotel parking lot and caused a contact accident. After that, A contacted the rental car and was informed that 500,000 won would be incurred for the property. In addition, since it was a single accident, he asked A to pay a total of 1.68 million won even if some of it was reduced, including an estimate of 1.3 million won for rental car repair costs.
In other words, if you run into a parked or stopped vehicle and have an accident, you have to pay your own share of the property and the person.
Accordingly, Mr. A subscribed to his own car insurance, but he applied for mediation to the Consumer Dispute Mediation Committee because he thought the cost burden was unfair. First of all, when looking at the provisions related to the exemption, the mediation committee considered that the provisions that require the user to pay the same amount without distinguishing the extent of the accident or the severity of the injury are unfair in consideration of the equity between users.
It also saw that there were few factors to objectively see how much damage rental car companies suffered. In response, he expressed his opinion that it is reasonable to refund 500,000 won, the immunity paid by A, back to A.
However, since the contract stipulated in advance that sole accidents are not covered by own car insurance, it is right for Mr. A to bear the repair cost. Given the cost of repairing the vehicle due to the accident, he suggested that the rental car company should return 350,000 won, or 30% of the 1.18 million won charged to A.
In response, the mediation committee recommended that 850,000 won of the 1.68 million won received by the rental car be paid back to A.
The industry recommended consulting with experts early on as disputes over traffic accidents have so many different issues. An industry official said, “Initial response to traffic accidents is more important than anything else, and the interpretation of each case is different,” adding, “One way is to consult with a damage assessor to relieve the damage.”
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