교통사고
일하다가 교통사고시 어떻게 해야 하나요?

by 손찾사 손해사정사님 · 2 개월전조회수 126

<p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">오늘은 일하다가 교통사고 시</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">산재보험처리와 자동차보험 중 어떻게 처리를 해야 하는지 궁금해하시는 분들이 많아 산재보험과 자동차보험에 관하여 이야기하고자 합니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></p><p class="0"><span style="text-align: inherit; font-family: 함초롬바탕;"><span style="font-size: 12pt;">우선 단독사고와 가해자가 있는 사고일 경우로 나뉘게 되는데요</span></span><span lang="EN-US" style="text-align: inherit; letter-spacing: 0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">단독사고일 경우</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">산재처리를 받으시고</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자동차상해</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">(</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자기신체사고</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">)</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">를 처리 받을 수 있습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">산재처리를 받으면 자동차보험의 자동차상해</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">(</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자기신체사고</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">)</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">로 처리 받을 수 있는지 모르시는 분들이 많이 있습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자동차보험의 자동차상해</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">(</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자기신체사고</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">)</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">담보는 상해보험의 성격이므로</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">이는 산재보험과는 별개로 처리되어야 한다는 것을 알고 계셔야 합니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">또한 산재에서 받은 금액을 공제하지 않고 보험금을 지급받아야 합니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">다만 최근 자동차보험의 약관에 산업재해보상보험 처리 시 자동차상해</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">(</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자기신체사고</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">)</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">에 대한 보험처리가 안되는 경우가 있으니</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">가입하고 있는 자동차보험의 약관을 확인해 보아야 할 수 있습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">해당 부분은 전문가가 아니면 알기 어렵기 때문에</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">손해사정사의 도움을 받으시는 것이 좋습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">가해자가 있는 사고 일 경우</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">산재처리 후 자동차보험</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">(</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">대인배상</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">)</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">을 받으시거나</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자동차보험처리만을 받을 수 있는데요</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자동차보험의 경우 과실상계를 하게 되고</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">법률상손해배상금일체를 보상하기 때문에</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">그 보상 범위가 산재보험보다는 크기 때문에</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자동차보험을 처리 받게 된 후에는 산재보험처리를 하더라도 받을 수 있는 보험금이 없는 것이 대부분입니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">하지만 산재보험처리를 먼저 하게 될 경우</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">산재보험에서는 보장하지 않는 위자료</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">상실수익액</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">(</span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">장해급여를 초과하는 부분</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">), </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">성형수술비 등은 자동차보험으로 처리를 받을 수 있으며</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">산재보험에서 보장을 하는 항목이라도 초과되는 손해가 있을 경우 자동차보험으로 처리가 가능합니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">어디서 비슷하다는 것을 눈치채신 분이 계실 텐데요</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">맞습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">이전에 작성하였던 근재보험에 관한 내용과 같습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">근로자재해보험 역시 법률상손해배상금을 보장하므로</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">자동차보험의 보상과 같다고 할 수 있습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">. </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">다만 근재보험이나 자동차보험의 경우</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">보험가입금액의 한도까지만 보상이 된다는 점을 알고 계셔야 합니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">오늘은 일을 하다가 교통사고가 발생될 경우</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">어떻게 처리가 되는지 알아보았습니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></p><p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">글은 간단하게 작성이 되지만</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">실질적으로는 다치신 분의 사고 사항이나 부상의 정도</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">나이와 정년</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">과실 등을 토대로 산재와 자동차보험의 처리에 중점이 달라질 수 있으니</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">, </span></span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;"><span style="font-size: 12pt;">보험전문가인 손해사정사를 통하여 상담을 받아보시는 것을 추천드립니다</span></span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;"><span style="font-size: 12pt;">.</span></span></p>

    #교통사고 #산재 #산재교통사고 #손해사정사 #자동차보험 #합의

상해·사망·후유장해 /질병·암진단비
손찾사 손해사정사

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