Hello everyone, this is Yoso. Car accidents can happen to anyone. No matter how safely and defensively we drive, we may unexpectedly become either the perpetrator or the victim of a car accident at some point in our lives. This is also true for our viewer, the main character of this video. Normally, they have never had an accident. However, while driving a rental car for the first time and trying to find their destination, they unexpectedly ran a red light and got into a collision. Fortunately, none of the occupants of the other vehicle sustained serious injuries, and compensation for the victims was settled amicably. However, this is where the problem begins. After this accident, the viewer received a shocking call from Socar, the company that operates the long-term rental product called Socar Pairing, for which they had contracted a vehicle to use as their personal car.

In case of termination of the contract due to an accident, even if you are enrolled in a vehicle damage liability product, compensation will not be provided. Therefore, it was stated that you must compensate for approximately 50 million won and other damages in cash. Additionally, another viewer reported that an accident occurred due to drowsy driving, and at the time of the accident, they were exceeding the speed limit by 20 kilometers. For this reason, they were similarly charged the full trip fee by Socar. Furthermore, this viewer was unable to access the black box footage of the accident, as Socar refused to provide it, claiming ownership of the footage. However, what is strange here is that according to the Socar app, the vehicle damage liability product is clearly associated with the global insurance company AXA, stating that it provides top-level protection for users. From this, one would assume that, like a regular car insurance policy, AXA would fully cover self-injury claims.

I can only understand it as being possible. Now, let's hear from a SoCar employee. I think it’s reasonable to use this as insurance for the vehicle, and I’m currently trying to resolve any issues with the manual. Here, we don’t just accept everything; we also need to discuss compensation regarding the damages on our side. When it comes to repairing our SoCar vehicles or handling accidents, we are responsible for the assessment and management. On the other hand, we can also deal with the belongings of the other party involved. If we look into it, we do have insurance for certain situations. There are two insurance companies we are working with, and we ensure that everything is processed correctly. To clarify, we don’t have any issues with our internal processes; we maintain a similar approach to our company’s operations.

Is it okay to apply this? Yes, is that so? What you just saw regarding the global hand insurance company, Akra, is that having car insurance is completely unrelated to the liability coverage for vehicle damage. It’s just for show, claiming safety records have nothing to do with my car. They are just trying to attach it without any basis. Furthermore, when Socar unilaterally gives notice of termination and claims tens of millions of won, the basis for this is outlined in the contract clause. There is a clause on page 8 that states prohibited actions, and if you look at section 7, it mentions actions prohibited by law, such as driving under the influence, refusal to take a breathalyzer, driving without a license, reckless driving, hit and run. It states that if such prohibited actions are committed, even if you have liability coverage for vehicle damage, you cannot receive compensation. This part isn’t particularly surprising. If you drive under the influence and commit a hit and run, then that’s...

Of course, it's right that you shouldn't eat and drive. However, there is a huge loophole here. It's about adding a little something behind those words. Those who have been involved in lawsuits will know this, and those who have written contracts will understand as well. The power of that one additional character can be quite significant. By adding that one character, they are arguing that speeding, which violates the regulations, is considered to be driving 20 kilometers faster than the allowed speed limit. 

This includes a bit of leeway in their reasoning. From there, it becomes a matter of whether my drunk driving and driving without a license, as well as the other violations, should be treated as serious offenses. Why did I flee? It's because I was trying to avoid the consequences. This is my initial stance. 

You should also pay attention to the existing dessert meeting next to you, and the fact that a new one has come in.

The content is about the fact that it's not easy to handle certain situations, particularly when it comes to insurance. The main point is that one should be careful and pay attention to details, especially when discussing issues related to liability and coverage. However, if there are concerns regarding guarantees, it’s important to communicate these details. 

Now, you might be curious about how general auto insurance works. Let’s listen to a brief conversation with a representative from Samsung Fire & Marine Insurance. They discuss whether there are instances where the insurance company does not process claims. 

On November 11th, there were incidents related to traffic violations such as running a red light or crossing the central line. These various issues can arise, and in such cases, I would not recommend adding personal vehicle coverage. 

So, aside from these, for example, if there’s a traffic violation, it is still possible to address it. As you just heard, in the case of general auto insurance, there are specific protocols regarding driving and liability.

Even if it falls under the category of 11 serious offenses, as long as you have signed up for your own car insurance, you can receive coverage. As I mentioned at the beginning of the video, anyone can be either the perpetrator or the victim of a traffic accident. There may be instances where you accidentally cross the center line while trying to avoid someone who suddenly cuts in front of you. There may also be situations where you lose consciousness while driving due to health issues and end up violating a traffic signal. Additionally, without realizing it, you might find yourself driving at 80 to 90 kilometers per hour. Of course, we should be more cautious and drive safely to prevent such incidents, but it’s something that can happen to anyone at any time. This is why we all logically think about getting insurance, as accidents can happen to anyone. Therefore, when I look at the results of the survey I conducted in the community,

Among the more than 40,000 viewers who participated in the voting, over 60% likely believe that if they were simply involved in a traffic violation, they could receive coverage from their auto insurance. That is correct. In the case of an accident caused by a traffic violation, if you have auto insurance, it is common sense and the rule that it should be covered. However, for those using the Socar long-term rental program, they may find themselves in a situation where, due to not being able to check just one of the countless densely packed lines of text in the contract, they end up having to pay millions of won in cash. To be honest, let’s face it: who actually reads every single word of the insurance policy when signing up? Most people just glance at the summary or the main points in front of them. Yet, the company is fully aware of this lack of attention from customers.

It only appears to be a misuse. The page that comes up when using a rental car on the Socar app includes information about the vehicle damage waiver system. It clearly states the waiver system, which explains the coverage related to your vehicle. It mentions that you are covered by a global insurance company and that you are protected at the highest level from risks. Most people seeing this would think that by signing up for the vehicle damage waiver product, they would receive coverage from AXA. However, in reality, that was not the case. As the Socar employee mentioned earlier, the vehicle damage waiver has nothing to do with AXA. They just placed the AXA name on that page because it looked plausible. They simply slapped the name of AXA, which handles personal injury and property damage claims, onto the vehicle damage waiver page. If Socar is going to just attach any random name to it, then...

Why do we even subscribe to exemption products in the first place? If we argue like this, it’s as if we’re saying we won’t use our turn signals when we decide to give up on something. It seems like we’re going to stick that everywhere on our cars. Just because we doze off while driving or speed once, it doesn’t mean we should send our lives down the drain. The same goes for SoCar’s regular rentals. They say things like the best compensation in the industry for the visible parts, but when you look a bit closer, you find that all major accidents are not covered by the rental car insurance. As for the general rental practices, the insurance company, AXA, that is supposed to cover the visible vehicle damages, is just a cute marketing gimmick. However, for those who are weak with long-term rentals, isn’t this really unacceptable? Long-term rentals are supposed to be like having a car for several years, treating it as if it were my own.

Thinking and signing a contract is essential. However, just because a contract is signed for certain cars, it does not justify charging customers millions of won by applying all legal violations. This behavior seems to mock the customers. So, everyone, we need to be smart about this. Whether you are using long-term rental or regular rental, we should be a bit more cautious. Typically, rental companies advertise their products as fully covered, similar to SoCar, but often there are hidden restrictions and tricks. The same applies to long-term rentals. Some companies, like SoCar, may not apply coverage for all cases of serious negligence, and some may even provide basic auto insurance with high deductibles. If you have a product you are currently using, please make sure to check the terms and conditions carefully.

If there are people who would refuse compensation even for a single traffic violation due to circumstances beyond their control, then we should refrain from using such services. Some fools might come and ask if you even have an insurance adjuster certification, as if that’s relevant to the problem, and they might even dismiss it as nonsense. However, I hope that even those people are aware of this information and that they do not suffer any harm. Just because you had a moment of good fortune, if you accidentally crossed the center line to avoid an accident, it could lead to dire consequences. You might not even realize that your car is so enjoyable to drive that you unconsciously went 20 kilometers over the speed limit, and that could ruin your life. As I mentioned earlier, even a moment of failing to signal while changing lanes can lead to disastrous outcomes. Please share this video widely.

Companies may deceive us with insurance policies that seem to provide complete coverage, while they profit greatly from the premiums saved by misleading consumers. I hope no more victims are created. Personally, I have been a strong supporter of the Tada service operated by Socar. However, it is quite uncomfortable to see them making money through unfair explanations and terms that betray consumers.

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