보험약관에서 배상책임이란 ‘보험기간 중 발생된 보험사고로 인하여 타인에게 입힌 손해에 대한 법률상의 책임’을 의미합니다. 일상에서 가입하는 보험 중 배상책임담보를 찾을 수 있는 보험종목은 자동차보험, 화재보험 등입니다. 대인배상, 대물배상, 화재(폭발포함)배상책임 등이 존재합니다. 나의 과실로 타인의 신체 및 재산상에 피해를 주었을 경우 이를 배상해야 합니다. 하지만 피보험자로 가입한 배상책임 담보가 있다면 보험을 통해 처리할 수 있습니다. 일상생활에서 자주 사용할 수 있는 대표적인 배상책임 담보가 ‘일상생활배상책임’입니다. 담보 이름에서도 느껴지듯 매우 유용한 담보입니다.

 

 

 만약 거주 중인 나의 집 누수로 인해 아랫집에 피해가 발생한 경우 일상생활배상책임을 사용할 수 있습니다. 누수로 아랫집 전등이 나가거나 가전제품 등에 피해가 발생하면 이를 처리할 수 있습니다. 그런데 재산상의 피해를 처리할 경우 자기부담금이 발생합니다.

<삼성화재 새 시대 건강파트너 – 가족 일상생활 중 배상책임 특별약관>

 

약관을 보면 ‘타인의 신체에 피해를 입혀 법률상의 배상책임’이 발생한 경우를 ‘대인배상책임’, ‘타인의 재물의 손해에 대한 법률상의 배상책임’이 발생한 경우를 ‘대물배상책임’이라 부릅니다. 한 사고마다 두 배상책임의 합산 처리 한도는 1억입니다. 그런데 대인배상은 자기부담금이 발생하지 않지만 대물배상은 자기부담금이 발생합니다. 현재 가입 가능한 일상생활배상책임 담보의 대물 자기부담금은 20만 원입니다. 과거에는 이 금액이 2만 원인 약관도 존재했습니다.

자기부담금이 20만 원인 약관의 경우 누수로 인해 아랫집 노트북이 젖어 수리비로 50만 원이 사용된 경우 자기부담금을 제외한 30만 원을 청구할 수 있습니다. 반면 전등이 합선되어 수리비가 1만 원이 나온 경우에는 자기부담금 액수보다 적기 때문에 보험금을 청구할 수 없습니다.

 

 

 지금까지 살펴본 배상책임담보는 타인을 위한 담보입니다. 그런데 누수로 피해가 발생하여 나의 집 배관 등을 수리한 경우 이를 일상생활배상책임으로 청구할 수 있습니다. 배상책임이 나를 위해 사용되는 이유는 약관에서 정하는 ‘손해방지경감비용’과 관련됩니다.

<삼성화재 새 시대 건강파트너 – 가족 일상생활 중 배상책임 특별약관>

 

약관을 보면 ‘손해의 방지 또는 경감을 위하여 지출한 필요 또는 유익하였던 비용’에 대해서는 자기부담금 없이 ‘비용의 전액을 보상’합니다. 나의 집 누수로 인해 아랫집에 피해가 발생하여 내 집을 수리했지만, 이는 손해를 방지하거나 경감하기 위한 비용이기 때문에 청구가 가능합니다. 보험사 입장에서 누수의 근본 원인을 수리하지 않으면 아랫집 피해는 계속해서 발생하거나 피해가 확산되어 배생책임 담보의 보험금이 지속적으로 지출됩니다. 따라서 손해를 방지하거나 경감시킨 비용에 대해 보험금 청구를 인정하는 것입니다. 누수로 인한 손해 방지 및 경감비용은 누수의 원인인 나의 집을 수리한 비용입니다.

손해방지경감비용 청구 시 주의할 점은 반드시 타인에게 피해가 발생해야 하며 이를 증명할 수 있어야 합니다. 청구 시 보험사는 누수 피해에 대한 사진 또는 확인서를 요구합니다. 만약 피해가 발생하지도 않았는데 미리 피해가 발생할 것이 걱정되어 수리한 경우는 보험금을 청구할 수 없습니다.

 

 

 보유한 주택이 2채 이상이라 거주 이외 주택을 월세나 전세로 임대한 경우 그곳의 누수는 일상생활배상책임으로 처리할 수 없습니다.

<삼성화재 새 시대 건강파트너 – 가족 일상생활 중 배상책임 특별약관>

 

피보험자가 임대한 주택의 누수는 그가 주거하는 곳이 아니기 때문에 약관에 따라 보상하지 않습니다. 이 경우 임대인은 임대 주택의 주택화재보험 등을 활용하여 ‘임대인배상책임’에 가입해야 합니다.

 

<삼성화재 주택화재보험 살다보면 – 임대인배상책임 특별약관>

 

위 약관은 삼성화재 주택화재보험 ‘살다보면’이란 상품의 임대인(화재(폭발포함)배상제외) 배상책임 특별약관입니다. 화재 및 폭발사고로 인한 배상책임을 제외한 임대주택의 누수사고 등을 해당 약관을 통해 처리할 수 있습니다.

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