2024-06-12 04:23:20
It has been confirmed that the primary insurance coverage firm has processed compensation for a case the place a automotive window was shattered by a waste balloon despatched from North Korea.
Based on the insurance coverage trade on the twelfth, round 11 am on the 2nd, a waste balloon fell on a automotive parked in entrance of Mr. A’s residence in Danwon-gu, Ansan-si, Gyeonggi-do, shattering the windshield.
Accordingly, Mr. A utilized for protection for harm to his automobile (car insurance coverage) from insurance coverage firm B, which holds auto insurance coverage. Personal automotive insurance coverage compensates for direct harm to the automotive as a consequence of an accident that occurred whereas the automotive was owned, used, and managed with out the opposite driver, as much as the insurance coverage quantity.
Within the insurance coverage trade, auto insurance coverage sometimes covers 20% of restore prices. Generally, the deductible is from a minimal of 200,000 received to a most of 500,000 received.
Within the case of Mr. A, he paid 200,000 received out of the restore value of about 530,000 received, and the remaining 330,000 received was paid by insurance coverage firm B.
Insurance coverage Firm B determined to deal with the waste balloon as a falling object, not add a premium to Mr. A’s insurance coverage premium for subsequent yr, and defer the low cost for one yr. Initially, if there have been no accidents, the insurance coverage premium ought to have dropped, however the resolution was made to pay the identical insurance coverage premium as final yr, however with no low cost.
On the ninth, insurance coverage firm C additionally obtained an utility for auto insurance coverage processing that the windshield of Mr. D’s automotive, which was parked in Dongdaemun-gu, Seoul, was broken by a waste balloon.
This automobile has presently been delivered to an industrial firm and repairs are in progress. It’s anticipated that Mr. D may even need to pay a specific amount of his personal bills.
Beforehand, the non-life insurance coverage trade judged that insurance coverage merchandise might be utilized to damages brought on by North Korean waste balloons.
The usual phrases and circumstances of car insurance coverage, precise value medical insurance coverage, and accident insurance coverage don’t present compensation for damages or accidents brought on by battle, international use of pressure, revolution, civil battle, civil battle, or riot. The place is that it’s judged to be doable.
In the meantime, at a cupboard assembly chaired by Prime Minister Han Deok-soo on the eleventh, the federal government determined to push for laws to assist the harm brought on by North Korea’s waste balloon distribution, however to make sure that native governments rapidly present assist to affected residents even earlier than the legislation is revised.
Seoul and Gyeonggi-do, the place harm occurred, plan to make use of their very own budgets, together with reserve funds, to supply assist for the harm as rapidly as doable.
It’s estimated that greater than 1,600 waste balloons have been distributed by North Korea on 4 events till the morning of yesterday.
Jo Yoo-kyung, Donga.com reporter [email protected]
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2024-06-12 04:23:20