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By Job Korea USA Posted: 2020-02-07 14:40:35

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¹«º¸ÇèÀÚ¶û »ç°í°¡ ³µÀ»¶§, ¾î¶»°Ô ÇؾßÇÒÁö ¿¡µå¿öµå º¯È£»ç´ÔÀÌ Á÷Á¢ ¸»¾¸ÇØ ÁֽʴϴÙ.

 

¹«·á»ó´ã : (213)351-3518

 

UM- Uninsured Motorist (¹«º¸ÇèÀÚ)

UIM- Underinsured Motorist (³·Àº º¸Çè ¼ÒÁöÀÚ)

 

»ç°í´Â ¾ðÁ¦, ¾îµð¼­, ±×¸®°í ¾î¶°ÇÑ ¹æ¹ýÀ¸·Î ã¾Æ¿ÃÁö ¸ð¸¨´Ï´Ù. ¶ÇÇÑ, »ç°í °¡ÇØÀÚ°¡ º¸ÇèÀ» ¼ÒÀ¯ÇÏ°í ÀÖ´ÂÁöµµ ÃæºÐÈ÷ ¸ð¸¦ ¼ö¹Û¿¡ ¾ø´Â ÀÏÀÔ´Ï´Ù. ÇÏÁö¸¸ ¹«º¸ÇèÀÚ¿ÍÀÇ »ç°í·Î ÀÎÇØ º»ÀÎÀÌ Èñ»ýÇÑ ½Ã°£°ú ºñ¿ë¿¡ ´ëÇÑ º¸»óÀ» µ¹·Á¹ÞÁö ¸øÇÑ´Ù¸é º¯È£»ç¸¦ ¼±ÀÓÇÏ¿© ¹®Á¦¸¦ ÇØ°áÇØ ³ª¾Æ°¡´Â ¹æÇâÀÌ ÁÁ½À´Ï´Ù.

 

Insurance Research Council¿¡ ÀÇÇϸé Ķ¸®Æ÷´Ï¾Æ¿¡ 3.8 million(380¸¸ ¸í)ÀÇ ¹«º¸Çè ¿îÀüÀÚ°¡ ÀÖ´Ù°í ÇÕ´Ï´Ù. ÇÏÁö¸¸ µî·ÏÀÌ ¾È µÈ ¼ýÀÚ¸¦ ´õÇÑ´Ù¸é ´õ ¸¹Àº ¹«º¸ÇèÀÚµéÀÌ ½ÃÇÑÆøźó·³ µ¹¾Æ´Ù´Ï°í ÀÖ½À´Ï´Ù. ¸¸¾à ±ÍÇÏÀÇ º¸ÇèÀÌ ¹«º¸ÇèÀÚ Ä¿¹ö¸®Áö (Uninsured Motorist Coverage)°¡ ÀÖÀ¸½Ã´Ù¸é ¾î´À Á¤µµÀÇ º¸»óÀº ³ª¿ÀÁö¸¸ ´ëºÎºÐÀÇ °æ¿ì º»ÀÎÀÌ ´õ ¸¹Àº ºñ¿ëÀ» ºÎ´ãÇÒ °¡´É¼ºÀÌ ³ô½À´Ï´Ù. µû¶ó¼­ óÀ½ º¸ÇèÀ» °¡ÀÔÇÏ½Ç ¶§ ¹«º¸ÇèÀÚ Ä¿¹ö¸®Áö (Uninsured Motorist Coverage)°¡ Æ÷ÇÔµÅÀÖ´ÂÁö ²À È®ÀÎÇÏ½Ã±æ ¹Ù¶ø´Ï´Ù.

 

Ķ¸®Æ÷´Ï¾Æ º¸Çè¹ý §11580.1 ¿¡ ÀÇÇÏ¸é ¿îÀüÀÚ´Â ¹«Á¶°Ç ÃÖÀúÀÌ»óÀÇ º¸ÇèÀ» °¡ÀÔÇϵµ·Ï µÅ ÀÖ½À´Ï´Ù. ÃÖÀú º¸»ó¾× (Minimum Liability) º¸ÇèÀº ¾Æ·¡¿Í °°½À´Ï´Ù.

 

- $15,000 ÇѸíÀÇ ºÎ»ó/»ç¸Á¿¡ ´ëÇÑ º¸»ó±Ý (Injury/Death to one person)

 

- $30,000 ÇѸí ÀÌ»óÀÇ ºÎ»ó/»ç¸Á¿¡ ´ëÇÑ º¸»ó±Ý (Injury/Death to more than one person)

 

- $5,000 Àç»êÀÇ ¼Õ»ó (Damage to Property)

 

ÃÖÀú º¸»ó¾× (Minimum Liability Coverage)ÀÇ ±Ý¾×Àº ¿äÁò º´¿øºñ¿ë°ú ÀÚµ¿Â÷ ¼ö¸®ºñ¿ë¿¡ ºñÇØ ³ôÀº ±Ý¾×ÀÌ ¾Æ´Õ´Ï´Ù. ¸¸¾à »ç°í·Î ÀÎÇØ Àå±âÀÔ¿øÀ» ÇÒ °æ¿ì¿Í °³ÀλóÇØ·Î ¿À·§µ¿¾È Á÷ÀåÀ» ¸ø³ª°¡´Â °æ¿ì¿¡´Â ÃÖÀúº¸»ó¾× Ä¿¹ö¸®Áö(Minimum Liability Coverage)À¸·Î ¸ðµç ºñ¿ëÀ» ÇØ°áÇϽñ⠾î·Á¿ì½Ç °Ì´Ï´Ù.

 

ÀÌ·± °æ¿ì¸¦ ´ëºñÇØ º¸Çè¿¡ °¡ÀÔÇÏ½Ç ¶§ ³·Àº º¸Çè Ä¿¹ö¸®Áö (Underinsured Motorist Coverage)¸¦ µî·ÏÇϽøé ÃÖÀú º¸»ó¾×º¸´Ù ´õ ¸¹Àº º¸»ó±Ý¾×À» ¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù. ÇÏÁö¸¸, ³·Àº º¸ÇèÀÚ Ä¿¹ö¸®Áö (UIM)°¡ ¼º¸³µÇ·Á¸é ±ÍÇÏÀÇ Ä¿¹ö¸®Áö°¡ ÇÇÀÇÀÚÀÇ ÃÖÀúº¸»ó¾× Ä¿¹ö¸®Áö º¸´Ù ³ô¾Æ¾ß ÇÕ´Ï´Ù.

 

¿¹) »ó´ë¹æÀÇ Ä¿¹ö¸®Áö°¡ $15,000/$30,000 ÀÏ °æ¿ì¿¡ ±ÍÇÏÀÇ Ä¿¹ö¸®Áö´Â ´õ ³ô¾Æ¾ß¸¸ Ä¿¹ö¸¦ ¹ÞÀ» ¼ö ÀÖ½À´Ï´Ù. ¸¸¾à ±ÍÇÏÀÇ Ä¿¹ö¸®Áö°¡ $100,000ÀÏ °æ¿ì ($100,000-$15,000), $85,000±îÁö Ä¿¹ö¸¦ ¹ÞÀ¸½Ç ¼ö ÀÖ½À´Ï´Ù. Ȥ½Ã³ª ±ÍÇÏÀÇ Ä¿¹ö¸®Áö°¡ »ó´ë¹æ°ú °°Àº $15,000/$30,000 ÀÏ °æ¿ì Ä¿¹ö¸¦ ¸ø ¹ÞÀ» °¡´É¼ºÀÌ ³ô½À´Ï´Ù.

 

Ķ¸®Æ÷´Ï¾Æ¿¡¼­´Â ¹«º¸ÇèÀÚ Ä¿¹ö¸®Áö(UM)¿Í ³·Àº º¸Çè ¼ÒÁöÀÚ Ä¿¹ö¸®Áö (UIM)À» µ¿½Ã¿¡ °¡ÀÔÇÏ°Ô µÅ ÀÖ½À´Ï´Ù. µÑ Áß¿¡ Çϳª¸¸ µî·ÏÀ» ÇÒ ¼ö ¾ø±â ¶§¹®¿¡ ±ÍÇÏÀÇ º¸Çèȸ»ç¿Í ¹®ÀÇÇϼż­ ¾î¶² Æú¸®¾¾(Policy)¸¦ °è¾àÇϼ̴ÂÁö È®ÀÎ ÇϽô °Ô ÁÁ½À´Ï´Ù.

 

Law Offices of Alex Cha & Associates

707 Wilshire Blvd., 46th Floor

Los Angeles, CA 90017

(213)351-3518 Office

(213)351-3514 Fax