<p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">자전거 사고로 인한 배상책임보험처리된 사고에 대한 손해사정을 살펴보겠습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">또한 일반적인 골절이 아닌 후각이 상실된 사례이기에 조금 특별하다고 할 수 있습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">일반적으로 사고로 후각이 상실되는 경우는 드문 경우이기 때문입니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">우선 사고 사항을 살펴보겠습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">김찾사씨는 한강의 산책길을 걷고 있었습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">그러던 중 반대쪽에서 달려오던 자전거와 부딪히게 되는데요</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">골절은 없었으나 사고로 인하여 뇌출혈이 발생되었습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></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;">사고로 인한 뇌출혈의 경우</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">혈종이 생기거나 연막</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">·</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">경막</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">·</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">지주막 등의 출혈이 생기기도 합니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">뇌출혈이 무서운 것은 출혈된 부위에 따라 그 후유증이 다양하게 발생되고 심한 경우 마비에 이르기도 합니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">김찾사씨의 경우 약간의 마비 증상과 후각기능이 이상이 생겼고</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">꾸준한 치료와 재활로 인해 마비 증상은 호전을 보였으나 후각기능은 돌아오지 않았습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></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;">후각 장해의 경우</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">배상책임보험에 적용되는 장해평가방식에는 그 기준이 존재하지 않습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">따라서 다른 장해평가방식을 적용하여 준용하게 되는데요</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">미국의사협의 장해평가방식이나 국가배상법의 장해 진단을 따르게 됩니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">개인적으로 가입하고 있는 보험의 후유장해는 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">"</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">코의 기능을 완전히 잃었을 때 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">15%"</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">가 적용되며 양쪽 코의 후각의 기능을 완전히 잃었을 때 적용되므로</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">후각이 감퇴된 것은 장해의 대상이 되지 않습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></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;">후각의 경우에는 후각소실검사나 후각인지검사를 시행하게 되고</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, 1</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">회의 검사가 아닌 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">2</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">회 이상의 검사를 통하여 장해를 평가하게 됩니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">평가된 결과에 따라 무후각증으로 진단하게 되고 장해로 인정되게 되는 것이죠</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span></p><p class="0"> <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]--> <o:p></o:p></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;">보상으로 돌아오면</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">김찾사씨를 다치게 한 자전거 운전자는 다행히도 일상생활배상책임보험</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">(</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">이하 일배책</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">)</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">에 가입이 되어있었고</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">일배책으로 인해 김찾사씨는 법률상손해배상금 약 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">5,000</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">만원</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">(</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">위자료</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">일실수익</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">향후치료비등</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">)</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">을 보상받을 수 있었습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">또한 손해사정사를 통하여 실손보험과 암보험</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">회사의 단체상해보험의 상해후유장해 담보를 통하여 후유장해보험금 약 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">4,500</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">만원을 받을 수 있게 되었습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">손찾사를 통하여 정당한 보험금과 배상금을 받을 수 있어서 다행인 사건이었습니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">. </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">여러분도 사고를 당하시면 혼자서 해결하려고 하지 마시고</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">전문가를 찾아주시길 바랍니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.&nbsp;</span></p>