The economy is about understanding people's minds. Many people will be going on vacation to Jeju Island this summer, especially to see Hallasan and the Dolhareubang, with the blue sea. The first thing you do upon arrival is to rent a car. At this time, you need to be thorough in your considerations, particularly regarding rental car insurance. Let's find out what points you should pay attention to when making your selection with the help of a claims adjuster.

Hello! Your face looks a bit tired, and it seems like you still have the evidence of the rainy season. It's said that by June, the rain should have passed, and many people will be heading to Jeju Island. Given the characteristics of the region, it's natural to rent a car there. The conversation often shifts to insurance when renting a car. When you go to rent a car, the rental company usually offers you various insurance options, which can be quite intriguing.

Is the insurance we sell in rental cars similar to the insurance products that we typically think of? General people might think so, but in reality, the insurance is not the same as the premiums we pay to traditional insurance companies. Instead, it involves paying a fixed insurance fee set by the rental car company, and the product is associated with that. Therefore, while general people may feel that it is insurance, if we really analyze it, it is considered similar to insurance. 

So, can I choose the coverage only for the vehicle I am driving? What happens if I injure someone or damage another person's vehicle? Well, that falls under mandatory insurance. When renting a car, the rental company is legally required to provide certain mandatory insurance coverage. So, we need to pay attention to that aspect.

You don't need to worry about it. The only thing you need to focus on today is the rental car. The insurance options offered by rental car companies are quite diverse. There are terms like basic coverage, premium coverage, and super coverage. It's important to clarify these terms verbally. Each rental company may categorize their insurance differently; some may divide it into two types, while others may have three or more. So, to summarize, the names and types of coverage vary by company, and you should check those carefully. If we categorize the coverage into three levels—basic, premium, and super—as you can see, the basic coverage has the lowest insurance premium, while the super coverage has the highest premium.

There are many benefits. If you look at it, there are deductibles, compensation limits, and coverage for rental cars. Also, isn't there compensation for single accidents? And isn't there compensation for wheels and tires? Depending on those aspects, you can see the differences in coverage. When asked about the criteria for dividing it into three categories, it relates to the insurance premium. The cheapest one generally has a significant gap, and the more expensive it is, the more likely it is to cover various issues. Among the three options, you should choose one. Personally, since I am quite sensitive and have seen many compensation cases, I usually opt for the most expensive, which is the super comprehensive insurance. I don't want to just pay a reasonable insurance premium and receive a moderate amount of compensation. The reason for choosing super comprehensive insurance is that it also covers rental car expenses. Many people find that burdensome.

You can think about it, so there are people who choose super comprehensive insurance and cheap regular comprehensive insurance. If you consider this, I will explain what happens. First, let's talk about compensation. If you enroll in the cheapest regular comprehensive insurance, you will only be compensated between 2 million and 6 million won. However, with expensive super comprehensive insurance, you are covered for the entire value of the vehicle without limits. In the case of regular comprehensive insurance, parking fees may be incurred, but with super comprehensive insurance, you don't have to worry about compensating for the vehicle if an accident occurs. Parking compensation means that if your vehicle is damaged, you will receive compensation for the period it is in the repair shop. Additionally, whether or not you receive compensation in the case of a single-vehicle accident is an important issue. For example, you might have an accident with another vehicle, but if it’s a single-vehicle accident, I...

졸음 운전으로 사고가 났다고 해서 모든 상황에서 보상을 받을 수 있는 것은 아닙니다. 상황에 따라 다르기 때문입니다. 그래서 자신의 상황에 맞게 꼼꼼하게 알아보셔야 합니다. 나중에 추가적으로 이런 이야기를 많이 듣게 될 것입니다. 예를 들어, 제주에서 사고가 나서 3000만 원의 보상을 받았다고 하더라도, 실제로는 4천만 원을 냈다고 할 수 있습니다. 저도 필요하지 않지만, 이런 경우가 훨씬 많습니다. 왜냐하면 찾아서 물어봐야 할 수도 있기 때문입니다. 이 부분은 꼭 확인해보셔야 할 것 같습니다.

그럼 만약에 제가 가장 비싼 자차 보험에 가입했다면, 모든 사고에 대해 다 보상을 받을 수 있는 건가요? 꼭 그런 것은 아닙니다. 일반적으로 음주 운전이나 고의적인 사고는 보상이 되지 않습니다. 또한, 11대 중과실 사고에 대해서도 가장 비싼 자차 보험으로는 보상이 되지 않습니다.

Even if you are enrolled, there are companies that compensate for accidents in the middle of the 11th, and some that do not. However, my understanding is that there are far more companies that do not provide compensation. So, when people think about public transportation and accidents, they generally assume that compensation is guaranteed, but that is not the case. For instance, in cases of running a red light, crossing the center line, or speeding, it is important to note that compensation may not be available. The best scenario would be to have a company that offers high compensation rates and handles claims for incidents like single-vehicle accidents or major accidents. If that is not possible, what other methods exist to ensure compensation? I have one suggestion: you should check the insurance policy of the vehicle you usually drive, not just the rental car. There may be advantageous options available in the insurance policy that my wife has for her car.

특약을 넣는 것입니다. 예를 들어서 내가 가입한 보험에서 이 명칭이 다 다릅니다. 렌트카 특약인 경우도 있고, 다른 자동차 운전 특약인 경우도 있습니다. 그래서 그걸 콜센터에 전화해서 확인해 보시면 가입할 수 있는지 없는지 여부를 알 수 있습니다. 만약에 가입이 된다면, 제주도 렌트를 빌리기 전에 아예 업체에서 하는 보상 보험은 가입하지 않고 이걸 가입해도 된다고 합니다. 여행하기 전에 하면 그 효력은 언제부터 발생하냐면, 가입하고 나서 자정부터 발생합니다. 그러니까 무조건 이건 제주도 여행 가기 하루 전날 가입이 완료되어야 합니다. 그렇군요. 슈퍼 자체의 가입하는 거라 내 자동차 보험을 활용해서 렌터카 특약을 걷는 것인데, 보험료는 어느 정도 차이가 나나요? 보험료는 렌트카를 내 자동차 보험을 활용하는 게 훨씬 저렴합니다.

Generally, if you subscribe to what is called the super self-driving special contract from a company in Jeju Island, in expensive cases, you can receive up to 50,000 won per day. However, based on my investigation yesterday, if you utilize this insurance coverage, the average cost is about 10,000 won. You can also choose to go with that option. Additionally, regarding the serious negligence categories mentioned earlier, there are insurance companies that do not provide coverage, but you can also receive coverage in some cases. Of course, this does not include cases of driving under the influence or without a license. 

I understand. Earlier, you mentioned that if you want to utilize your car insurance for this purpose, it may not be possible to subscribe in the middle if you do not sign up for it at the initial subscription. When I checked regarding this coverage, we usually subscribe to car insurance on an annual renewal basis. At that time, it is necessary to set up this special contract from the beginning in order to be eligible for subscription.

There are cases where it is possible and cases where it is not. In the middle of this, one can decide to do this separately for a few days or a week. For those who have difficulty renewing their work after signing up, or for those who cannot utilize their car insurance, there are other options. As you can see, some people do not have their own car insurance. Additionally, the liability fee is 50,000 won. For those individuals, using a one-day insurance option can be beneficial. One-day insurance refers to a product offered by general insurance companies that allows you to sign up for car rental insurance for a week. Therefore, utilizing that option is also good. However, please note that the limits there are not very high, so you must check that carefully. Alright, even after confirming all the insurance, before starting your trip, it’s advisable to take some photos and look around. However, taking photos in Tongyeong is quite difficult. I will return the car later.

Disputes may not occur at that time. Therefore, I appreciate the cooperation of the claims adjuster in naming the Korean gum. Thank you very much.

[ET] “호갱님, 렌터카 보험 드셨다고요? 그래도 수리비는 내셔야 됩니다!” / KBS 2022.07.18.

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