교통사고
압박골절과 자기신체사고(자손)

by 손찾사 손해사정사님 · 4 주전조회수 58

<p class="0"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">오늘은 단독사고 또는 과실이 있는 사고에 적용되는 자기신체사고와 압박골절에 대해 알아보겠습니다</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;">실제 사고로 인한 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></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;">손찾사를 통하여 의뢰를 주신 분은 운전을 하던 중</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;">전방 주시를 하지 못하다가 앞차가 정지한 것을 보지 못하고 후미를 추돌하게 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;">정상적인 신호에 정지 중이었던 앞차는 피해자가 되었고</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;">의뢰를 주신 분은 가해자가 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;">후미추돌로 과실이 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">100%</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">로 되면서 본인의 치료비 등 모든 손해를 본인이 감당하여야 했습니다</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;">본인이 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">100% </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">잘못으로 알고 있어 자동차보험 처리가 가능한지도 모르고 있다가 우연히 손찾사를 알게 되어 의뢰를 주시게 되었습니다</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"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">일반적으로 압박골절이 발생되면</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;">골밀도 검사를 시행하게 되고</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">, TLSO </span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">등의 보조기를 착용하거나</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;">시멘트 삽입</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;">심한 경우 척추유합술을 시행하게 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;">환자분의 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;">수술을 하지는 않았으며 보조기를 착용하고 안정 가료에 집중하였습니다</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;">그럼 본론으로 돌아와 자동차보험의 자기신체사고의 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;">일반적으로 사고가 발생될 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;">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;">휴업손해</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;">상실수익액</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;">향후치료비 등등을 보상받을 수 있다는 것을 손찾사 가족분들은 잘 아실 텐데요</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;">안타깝지만 자기신체사고의 경우는 그러하지 못합니다</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;">자기신체사고의 경우에는 사망</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;">부상</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;">후유장해에 대하여 보험가입금액만큼 보험금을 받을 수 있는데요</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;">이때에도 가입되어 있는 금액 전부가 아닌</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;">부상 등급별</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;">후유장해등급별로 적용되는 금액이 있기 때문에 그 금액은 더욱 작아진다고 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;">이마저도 혼자서 진행할 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;">후유장해보험금을 받지 못하는 경우가 많이 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;">압박골절이 되었다고 모두 후유장해보험금을 받는 것은 아니기 때문에 전문가의 도움이 필요한 것입니다</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"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">환자분의 경우 사망</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;">부상</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;">후유장해의 가입 금액이 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">1,500/1,500/1,500</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">으로 자기신체사고 가입 금액을 가장 낮게 되어있었습니다</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;">다이렉트 보험으로 가입하여 보험료 절감을 위하였다고 하는데요</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;">대인은 무한</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;">대물은 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">10</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">억을 가입하였는데</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;">정작 가장 중요한 본인에 대한 것은 보상한도가 낮게 되어 있어 안타까웠습니다</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;">더불어 자기신체사고 무엇인지도 모르고 가입하고 계셔서 좀 더 명확히 설명드리게 되었습니다</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"><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">그럼 손해사정내역을 보면</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;">환자분은 부상 등급 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">5</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">급으로 병원비는 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">500</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">만원한도 이었으며</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;">후유장해등급은 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">8</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">급으로 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">450</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">만원을 지급받았습니다</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;">위에서도 언급하였지만</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;">자기신체사고는 자동차상해와는 달리 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;">휴업손해</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;">상실수익액 등이 없어 금액이 작을 수밖에 없습니다</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;">다행히 환자분은 실비와 암보험에 상해후유장해담보가 가입되어 있어</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;">해당 보험으로 후유장해보험금을 약 </span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">3,000</span><span style="font-family:함초롬바탕;mso-fareast-font-family:함초롬바탕;">만원을 수령하여 모자란 병원비와 출근을 하지 못하여 발생한 월급의 손실을 충당할 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></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;">이 글을 보시면 손찾사 가족분들은 자기신체사고보다 자동차상해 가입을 추천드리며</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;">단독사고 또는 본인의 전적인 과실로 사고가 발생하여 받을 수 있는 것이 없다고 생각하지 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;">손찾사를 통하여 전문가의 무료상담을 받아보시기를 추천드립니다</span><span lang="EN-US" style="mso-fareast-font-family:함초롬바탕;mso-font-width:100%;letter-spacing:0pt;mso-text-raise:0pt;">.</span></p>

    #압박골절 #자기신체사고 #자동차상해 #자상 #자손 #자손보험금

상해·사망·후유장해 /질병·암진단비
손찾사 손해사정사

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