얼마 전 발생한 김해공항 BMW 사고는 전 국민을 분노하게 만들었습니다. 과속 금지 구간에 규정 속도를 지키지 않은 채 무고한 타인을 충격한 사고였습니다. 이 사고 후 고속도로를 달리던 화물차에서 80Kg에 육박하는 바퀴가 빠져 반대편에서 주행하던 SUV를 덮친 사고도 발생했습니다. 교통사고는 언제 어디서 발생할지 아무도 모릅니다. 누구나 교통사고란 비극의 주인공이 될 수 있습니다. 인도나 건물 돌진 사고도 발생하니, 운전면허가 없어도 차를 타지 않아도 교통사고를 당할 수 있습니다.

 

 

SNS에는 교통사고처리와 관련된 여러 콘텐츠가 존재합니다. 다들 ‘보험사를 상대하는 법’, ‘합의금 많이 받는 법’ 등 제목부터 자극적입니다. 그런데 교통사고를 처리하는 존재를 정확하게 아는 것이 이런 정보를 보는 것보다 중요합니다. 교통사고는 제대로 가입되고 사용된 자동차보험이 처리합니다. 대다수의 가입자가 ‘자동차보험은 모두 동일하며, 보험료가 저렴한 곳이 좋은 것’이라 착각합니다. 2018년 현재 자동차보험은 총 11곳의 손해보험사가 운영하고 있습니다. 이들 중 개인용 자동차보험만 보더라도 동일한 약관을 사용하는 곳은 단 한 군데도 없습니다. 특별약관은 당연히 모두 다르며, 표준 약관인 보통약관도 세부 항에서 차이가 납니다.

또한 동일 손해보험사에 가입하더라도 누구는 법적 의무가입 한도인 대인배상Ⅰ과 대물배상 2,000만 원만 가입한 경우도 있고, 고보장으로 가입한 경우도 있습니다. 동일 손해보험사의 동일 약관을 사용하더라도 사고 처리 능력은 천차만별입니다. 자동차보험이야말로 제대로 된 설계와 상품설명이 필요한 보험입니다. 만약 책임보험만 가입한 차량의 사고 현장에 대한민국 최고 사고처리 전문가를 보내더라도 할 일이 거의 없습니다. 이는 사고 발생 전 올바르게 가입된 자동차보험이 전제되어야 함을 의미합니다. 또한 제대로 가입했더라도 운전이 불가능한 사람이 운전한 경우 자동차보험을 제대로 사용할 수 없습니다.

<DB손해보험 개인용 자동차보험 약관 – 운전 가능자가 아닌 경우>

 

 

교통사고는 자동차보험이 처리하지만 각각의 사고처리 능력은 다릅니다. 실제 교통사고 현장을 관찰해보면 책임보험만 가입하거나 운전자 한정특약을 위반한 무책임한 차량이 너무 많습니다.

자동차보험은 기본적으로 배상책임 담보가 중심인 보험입니다. 배상책임 담보는 운전자의 과실로 타인의 신체 및 재산상의 피해를 주었을 때 이를 대신 처리하는 담보를 의미합니다. 자동차보험의 대인배상Ⅰ과 Ⅱ 그리고 대물배상이 해당됩니다. 해당 담보를 잘못 가입하거나 사용하면 운전석이 아닌 빚더미에 앉을 수 있고, 전과자가 될 수도 있습니다. 또한 무엇보다 제3자인 피해자에게 충분한 배상을 할 수 없어 불행을 확대하는 것입니다.

그런데 갈수록 타인의 자동차보험을 믿을 수 없습니다. 모두 보험료만 보고 잘못 가입하기 때문입니다. 최근 보복운전도 기승입니다. 보복운전은 우연한 사고가 아닌 고의사고로 피해자는 가해자가 가입한 자동차보험을 사용할 수 없어 피해 구제가 어렵습니다. 이런 문제 때문에 자기신체사고 및 자동차상해, 자기차량손해, 무보험자동차에 의한 상해라는 배상책임 이외 담보의 가치가 상대적으로 높아지고 있습니다. 타인의 보험을 믿을 수 없으니 기댈 곳은 내가 가입하고 준비한 보험이 유일합니다.

<DB손해보험 개인용 자동차보험 약관 – 배상책임담보 보상하지 않는 손해>

보복운전 등 고의사고의 경우 피해자가 직접청구권을 행사할 때 대인배상Ⅰ만 처리

 

 

과거 도로 위 방어운전이 강조되었습니다. ‘상대방의 운전 실력이나 매너를 믿지 못하니 내가 조심하는 것이 상책’이란 의미입니다. 하지만 아무리 방어운전을 해도 교통사고는 발생합니다. 신호대기 중인데 다른 차가 돌진하는 경우 방어운전은 아무것도 방어할 수 없습니다. 교통사고가 발생한 후에 기댈 수 있는 유일한 존재는 자동차보험입니다. 하지만 상대방의 자동차보험 가입상태를 믿을 수 없어 문제입니다. 가해차량이 자동차보험을 제대로 가입하고 사용했다면 걱정할 것이 없습니다. 하지만 우리는 교통사고 상대방을 고를 수 없습니다.

 이때 가장 효과적으로 교통사고를 대비하는 방법은 자동차보험을 방어적으로 가입하는 것입니다. 배상책임 담보도 중요하지만 자동차상해 고보장, 무보험자동차에 의한 상해 5억, 자기차량손해 가입이 필요합니다. 도로 위에서 믿을 수 있는 유일한 존재는 내가 제대로 가입하고 사용한 자동차보험입니다. 저렴한 보험료만 찾지 말고 사고 시 나와 가족을 지켜줄 수 있는지 자동차보험을 점검할 시간입니다.

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