생활의 지혜·´″°³оΟ♡/자동차♡상식

[스크랩] 무보험차와 사고가 났다면?

by 따그니(화려한백수) 2011. 2. 14.

<H3>생활속 교통법</H3><A style="TEXT-DECORATION: none" href="http://cafe.daum.net/450friends" target=blank> <P>무보험 자동차와 사고로 아무 보상도 받을 수 없을 때, 피해를 보상받을 길이 없을까? 정부는 이런 경우를 대비해 자동차손해보장사업을 시행 중이다. 자동차손해보장사업에 대해 자세히 알아보자.</P> <P><STRONG>자동차손해보장사업이란?</STRONG></P> <P>보장사업제도는 국가에서 시행하고 있는 일종의 사회보장제도로 자동차 사고의 피해자가 다른 수단으로는 전혀 보상을 받을 수 없는 경우에 피해자에 대한 최소한의 구제를 해주는 제도이다. 보장사업의 사업주체는 정부(건설교통부)이며 보장사업의 집행은 정부가 위탁한 보험사업자에 의해 이루어진다.</P> <P><STRONG>보장사업의 대상은? </STRONG></P> <P>- 보유자 불명의 자동차사고 피해자<BR>- 무보험(책임보험 미가입) 자동차사고 피해자<BR>- 도난 자동차사고와 무단운전 중인 자동차사고 피해자(보유자가 피해자에 대한 손해배상책임을 면한 경우) </P> <P><STRONG>지급보장 한도액은?</STRONG></P> <P>- 사망/후유장애 : 최대 1억 원<BR>- 부상 : 최대 2천만 원</P> <P><STRONG>제출서류는?</STRONG></P> <P>- 교통사고사실확인서(관할경찰서 발행) <BR>- 보장사업청구서 겸 위임장(보장사업자 비치된 소정양식)<BR>- 피해자의 진단서 <BR>- 피해자의 치료비 영수증 및 명세서 <BR>- 피해자의 주민등록등본 또는 호적등본 <BR>- 피해자 본인 또는 보상금 청구(수령)자 인감증명서<BR>- 기타 손해액 입증에 필요한 서류</P> <P><STRONG>청구기한은?</STRONG></P> <P>손해의 사실을 안 날(통상 사고발생일)로부터 2년 이내에 청구하여야 한다.</P> <P><STRONG>다른 배상제도와의 관계</STRONG></P> <P>피해자가 가해자로부터 손해배상을 받은 때에는 정부는 보상받은 범위 안에서 보장 책임을 면한다.</P> <P><STRONG>보상금 수령 후 뺑소니 운전자가 검거된 경우</STRONG></P> <P>이런 경우 가해차량이 보험에 가입했다면 보험금 지급기준에 따른 보상을 받을 수 있다. 보험에 가입하지 않았다면 가해자 및 가해차량의 소유자로부터 손해배상을 직접 받을 수 있다.</P> <P><STRONG>기타</STRONG></P> <P>보험에 가입하지 않았거나 뺑소니 이륜차에 다친 경우, 자동차관리법의 적용을 받는 이륜차(배기량 50cc 이상, 출력 0.59kw 이상)에 의한 피해자도 보상을 받을 수 있다. 보장사업으로 보상을 받기 위해서는 반드시 관할 경찰서에 신고해야 한다. 보장사업은 정부가 사업주체이므로 국가기관으로부터 손해발생 사실을 입증받는 것이 유리하기 때문이다. 또한 가해차량이 검거될 경우 피해자가 가해자나 그 차량의 소유자로부터 손해배상을 받아야 하기 때문이다. 그 외 자세한 사항은 손해보험사에 문의하면 된다.</P> <P> </P> <P><BR> </P> <DIV style="TEXT-ALIGN: center"> <P style="TEXT-ALIGN: left"> </P> <P style="TEXT-ALIGN: left"> <P style="TEXT-ALIGN: left"> <CENTER><div class='scrap_memo'><span><b>출처</b> : 사오십대 쉼터<span></div><div class='scrap_memo'><span><b>글쓴이</b> : 명소희 <span><a href="http://cafe.daum.net/_service/bbs_read?grpid=uFVa&fldid=I8wu&contentval=000I3zzzzzzzzzzzzzzzzzzzzzzzzz" class="d_4F72B3 under" target="_blank">원글보기</a></div><div class='scrap_memo'><span><b>메모</b> : <span></div></div>  <div class="revenue_unit_wrap"> <div class="revenue_unit_item adfit"> <div class="revenue_unit_info">300x250</div> <ins class="kakao_ad_area" style="display: none;" data-ad-unit="DAN-f29H6TZD29dB6o3x" data-ad-width="300px" data-ad-height="250px"></ins> <script type="text/javascript" src="//t1.daumcdn.net/kas/static/ba.min.js" async="async"></script> </div> </div> <div class="revenue_unit_wrap"> <div class="revenue_unit_item adsense responsive"> <div class="revenue_unit_info">반응형</div> <script src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js" async="async"></script> <ins class="adsbygoogle" style="display: block;" data-ad-host="ca-host-pub-9691043933427338" data-ad-client="ca-pub-9067173297821990" data-ad-format="auto"></ins> <script>(adsbygoogle = window.adsbygoogle || []).push({});</script> </div> </div> <div class="revenue_unit_wrap"> <div class="revenue_unit_item tenping"> <div class="revenue_unit_info">SMALL</div> <tenping class="adsbytenping" style="width: 100%; max-width: 768px; margin: 0 auto; display: block;" mediaid="5469936" tenping-ad-display-type="UD8Mia8gyIoT5Z2MT6VB3Q%3d%3d"></tenping> <script src="//tads.tenping.kr/scripts/adsbytenping.min.js" async="async"></script> </div> </div>  <script onerror="changeAdsenseToAdfit()" async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-9527582522912841" crossorigin="anonymous"></script>  <ins class="adsbygoogle" style="margin:50px 0; display:block" data-ad-client="ca-pub-9527582522912841" data-ad-slot="4947159016" data-ad-format="auto" data-full-width-responsive="true" data-ad-type="inventory" data-ad-adfit-unit="DAN-HCZEy0KQLPMGnGuC"></ins> <script id="adsense_script"> (adsbygoogle = window.adsbygoogle || []).push({}); </script> <script> if(window.ObserveAdsenseUnfilledState !== undefined){ ObserveAdsenseUnfilledState(); } </script> <div class="container_postbtn #post_button_group"> <div class="postbtn_like"><script>window.ReactionButtonType = 'reaction'; window.ReactionApiUrl = '//dkkang1012.tistory.com/reaction'; window.ReactionReqBody = { entryId: 18310857 }</script> <div class="wrap_btn" id="reaction-18310857"></div> <script src="https://tistory1.daumcdn.net/tistory_admin/userblog/tistory-d15247d42b2ae2bb058d1f7d5610a7bd04477695/static/script/reaction-button-container.min.js"></script><div class="wrap_btn wrap_btn_share"><button type="button" class="btn_post sns_btn btn_share" aria-expanded="false" data-thumbnail-url="https://t1.daumcdn.net/tistory_admin/static/images/openGraph/opengraph.png" data-title="[스크랩] 무보험차와 사고가 났다면?" data-description=" 생활속 교통법 무보험 자동차와 사고로 아무 보상도 받을 수 없을 때, 피해를 보상받을 길이 없을까? 정부는 이런 경우를 대비해 자동차손해보장사업을 시행 중이다. 자동차손해보장사업에 대해 자세히 알아보자. 자동차손해보장사업이란? 보장사업제도는 국가에서 시행하고 있는 일종의 사회보장제.." data-profile-image="https://tistory1.daumcdn.net/tistory/5469936/attach/7cbd94c9601f46eda5ae04d18c1ba353" data-profile-name="따그니(화려한백수)" data-pc-url="https://dkkang1012.tistory.com/18310857" data-relative-pc-url="/18310857" data-blog-title="소중한 울가족~! 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href="/category/%EC%9C%A0%EC%9A%A9%ED%95%9C%20%EC%9E%90%EB%A3%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%9D%BC%EB%B0%98%E2%99%A1%EC%9E%90%EB%A3%8C" class="link_sub_item"> 일반♡자료 <span class="c_cnt">(524)</span> </a></li> <li class=""><a href="/category/%EC%9C%A0%EC%9A%A9%ED%95%9C%20%EC%9E%90%EB%A3%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EA%B5%90%EC%9C%A1%E2%99%A1%EC%9E%90%EB%A3%8C" class="link_sub_item"> 교육♡자료 <span class="c_cnt">(195)</span> </a></li> <li class=""><a href="/category/%EC%9C%A0%EC%9A%A9%ED%95%9C%20%EC%9E%90%EB%A3%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%83%9D%ED%99%9C%E2%99%A1%EB%B2%95%EB%A5%A0" class="link_sub_item"> 생활♡법률 <span class="c_cnt">(97)</span> </a></li> <li class=""><a href="/category/%EC%9C%A0%EC%9A%A9%ED%95%9C%20%EC%9E%90%EB%A3%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EA%B2%BD%EC%A0%9C%E2%99%A1%EA%B8%88%EC%9C%B5" class="link_sub_item"> 경제♡금융 <span class="c_cnt">(110)</span> </a></li> </ul> </li> <li class=""><a href="/category/%EC%83%9D%ED%99%9C%EC%9D%98%20%EC%A7%80%ED%98%9C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1" class="link_item"> 생활의 지혜·´″°³оΟ♡ <span class="c_cnt">(1124)</span> </a> <ul class="sub_category_list"><li class=""><a href="/category/%EC%83%9D%ED%99%9C%EC%9D%98%20%EC%A7%80%ED%98%9C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%9D%BC%EC%83%81%EC%83%9D%ED%99%9C%E2%99%A1%EC%83%81%EC%8B%9D" class="link_sub_item"> 일상생활♡상식 <span class="c_cnt">(528)</span> </a></li> <li class=""><a href="/category/%EC%83%9D%ED%99%9C%EC%9D%98%20%EC%A7%80%ED%98%9C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%9E%90%EB%8F%99%EC%B0%A8%E2%99%A1%EC%83%81%EC%8B%9D" class="link_sub_item"> 자동차♡상식 <span class="c_cnt">(233)</span> </a></li> <li class=""><a href="/category/%EC%83%9D%ED%99%9C%EC%9D%98%20%EC%A7%80%ED%98%9C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%BB%B4%ED%93%A8%ED%84%B0%E2%99%A1%EC%83%81%EC%8B%9D" class="link_sub_item"> 컴퓨터♡상식 <span class="c_cnt">(363)</span> </a></li> </ul> </li> <li class=""><a href="/category/%EA%B1%B4%EA%B0%95%EA%B3%BC%20%EC%A7%80%ED%98%9C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1" class="link_item"> 건강과 지혜·´″°³оΟ♡ <span class="c_cnt">(1691)</span> </a> <ul class="sub_category_list"><li class=""><a href="/category/%EA%B1%B4%EA%B0%95%EA%B3%BC%20%EC%A7%80%ED%98%9C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EA%B1%B4%EA%B0%95%E2%99%A1%EB%B7%B0%ED%8B%B0" class="link_sub_item"> 건강♡뷰티 <span class="c_cnt">(1656)</span> </a></li> <li class=""><a href="/category/%EA%B1%B4%EA%B0%95%EA%B3%BC%20%EC%A7%80%ED%98%9C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%9D%91%EA%B8%89%E2%99%A1%EC%B2%98%EC%B9%98%EB%B2%95" class="link_sub_item"> 응급♡처치법 <span class="c_cnt">(35)</span> </a></li> </ul> </li> <li class=""><a href="/category/%EC%9A%94%EB%A6%AC%EB%8A%94%20%EC%A6%90%EA%B1%B0%EC%9B%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1" class="link_item"> 요리는 즐거워·´″°³оΟ♡ <span class="c_cnt">(853)</span> </a> <ul class="sub_category_list"><li class=""><a href="/category/%EC%9A%94%EB%A6%AC%EB%8A%94%20%EC%A6%90%EA%B1%B0%EC%9B%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%8B%9D%EC%9E%AC%EB%A3%8C%E2%99%A1%EC%A0%95%EB%B3%B4" class="link_sub_item"> 식재료♡정보 <span class="c_cnt">(427)</span> </a></li> <li class=""><a href="/category/%EC%9A%94%EB%A6%AC%EB%8A%94%20%EC%A6%90%EA%B1%B0%EC%9B%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%9A%94%EB%A6%AC%E2%99%A1%EC%A1%B0%EB%A6%AC%EB%B0%A9" class="link_sub_item"> 요리♡조리방 <span class="c_cnt">(426)</span> </a></li> </ul> </li> <li class=""><a href="/category/%EC%9D%B8%EC%83%9D%EC%9D%80%20%EC%A6%90%EA%B2%81%EA%B2%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1" class="link_item"> 인생은 즐겁게·´″°³оΟ♡ <span class="c_cnt">(4881)</span> </a> <ul class="sub_category_list"><li class=""><a href="/category/%EC%9D%B8%EC%83%9D%EC%9D%80%20%EC%A6%90%EA%B2%81%EA%B2%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EA%B0%90%EB%8F%99%E2%99%A1%EC%A2%8B%EC%9D%80%EA%B8%80" class="link_sub_item"> 감동♡좋은글 <span class="c_cnt">(2089)</span> </a></li> <li class=""><a href="/category/%EC%9D%B8%EC%83%9D%EC%9D%80%20%EC%A6%90%EA%B2%81%EA%B2%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%A6%90%EA%B1%B0%EC%9A%B4%E2%99%A1%EC%97%AC%ED%96%89" class="link_sub_item"> 즐거운♡여행 <span class="c_cnt">(6)</span> </a></li> <li class=""><a href="/category/%EC%9D%B8%EC%83%9D%EC%9D%80%20%EC%A6%90%EA%B2%81%EA%B2%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%9D%8C%EC%95%85%E2%99%A1%EC%97%AC%EC%9C%A0" class="link_sub_item"> 음악♡여유 <span class="c_cnt">(379)</span> </a></li> <li class=""><a href="/category/%EC%9D%B8%EC%83%9D%EC%9D%80%20%EC%A6%90%EA%B2%81%EA%B2%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%97%BD%EA%B8%B0%E2%99%A1%EC%9C%A0%EB%A8%B8" class="link_sub_item"> 엽기♡유머 <span class="c_cnt">(2188)</span> </a></li> <li class=""><a href="/category/%EC%9D%B8%EC%83%9D%EC%9D%80%20%EC%A6%90%EA%B2%81%EA%B2%8C%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%98%A4%EB%9D%BD%E2%99%A1%EA%B2%8C%EC%9E%84" class="link_sub_item"> 오락♡게임 <span class="c_cnt">(219)</span> </a></li> </ul> </li> <li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1" class="link_item"> 직업창고·´″°³оΟ♡ <span class="c_cnt">(375)</span> </a> <ul class="sub_category_list"><li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EB%AC%B4%EC%97%AD%E2%99%A1%EC%88%98%EC%B6%9C%EC%9E%85%EC%9E%90%EB%A3%8C" class="link_sub_item"> 무역♡수출입자료 <span class="c_cnt">(20)</span> </a></li> <li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%ED%8C%A8%EC%85%98%E2%99%A1%ED%8C%A8%ED%84%B4%EA%B3%B5%EB%B6%80" class="link_sub_item"> 패션♡패턴공부 <span class="c_cnt">(38)</span> </a></li> <li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%ED%8C%A8%EC%85%98%E2%99%A1%EB%B4%89%EC%A0%9C%EA%B3%B5%EB%B6%80" class="link_sub_item"> 패션♡봉제공부 <span class="c_cnt">(77)</span> </a></li> <li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%ED%8C%A8%EC%85%98%E2%99%A1%EA%B8%B0%EB%8A%A5%EC%84%B1%EC%9E%90%EB%A3%8C" class="link_sub_item"> 패션♡기능성자료 <span class="c_cnt">(19)</span> </a></li> <li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%ED%8C%A8%EC%85%98%E2%99%A1%EC%A7%81%EC%97%85%EC%9E%90%EB%A3%8C%EB%B0%A9" class="link_sub_item"> 패션♡직업자료방 <span class="c_cnt">(102)</span> </a></li> <li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%ED%8C%A8%EC%85%98%E2%99%A1%ED%8F%BC%EB%82%B4%EA%B8%B0" class="link_sub_item"> 패션♡폼내기 <span class="c_cnt">(42)</span> </a></li> <li class=""><a href="/category/%EC%A7%81%EC%97%85%EC%B0%BD%EA%B3%A0%C2%B7%C2%B4%E2%80%B3%C2%B0%C2%B3%D0%BE%CE%9F%E2%99%A1/%EC%95%84%EB%A6%84%EB%8B%A4%EC%9A%B4%E2%99%A1%EC%82%B0%ED%96%89" class="link_sub_item"> 아름다운♡산행 <span class="c_cnt">(77)</span> </a></li> </ul> </li> </ul> </li> </ul> </nav> </div> <div class="sidebar-2">  <div class="notice"> <h2>공지사항</h2> <ul> </ul> </div>  <div class="post-list tab-ui"> <div id="recent" class="tab-list"> <h2>최근글</h2> <ul> </ul> </div> <div id="popular" class="tab-list"> <h2>인기글</h2> <ul> </ul> </div> </div>  <div class="recent-comment"> <h2>최근댓글</h2> <ul> </ul> </div>  <div class="social-list tab-ui"> </div>  <div class="tags"> <h2>태그</h2> <a 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