Audi who received a bogie in an accident flooded in heavy rain… 40% customer negligence?

(Photo has nothing to do with the article) On the night of the 8th, the roads and sidewalks near Eunma Apartments in Daechi-dong, Gangnam-gu, Seoul were flooded, causing inconvenience to vehicles and pedestrians. yunhap news

On the 8th and 9th, as record heavy rain fell in the metropolitan area, vehicle flood damage was reported one after another, and an article was posted stating that a parked vehicle was flooded, resulting in a large amount of compensation.

According to Bobaedream, an automobile community on the 11th, author A received a loan for an Audi A6 diesel model due to a recent light contact accident.

After receiving the car from a rental car company, he parked his car on the roadside next to his apartment in Gwangmyeong, Gyeonggi-do, and went home.

He informed the extent of the damage by saying that ‘the back seat of the car was flooded with water’, but it seems that the road was flooded with a strong width and water got into the house. There was no mention of him leaving the windows or sunroof open.

After confirming the flooding, Mr. A contacted the car rental company and informed them of the accident. The company that retrieved the car informed them that “the car has to be completely damaged due to the flooding.”

At the same time, he demanded compensation from Mr. A, setting a deductible of 500,000 won and customer negligence at 40% for the disposal of the scrap car.

It seems like it would be okay to deal with the damage to the vehicle of the insurance purchased by the rental car company, but Mr. A stopped the car in a no-parking zone and it became a problem.

According to Mr. A, the apartment he lives in has a small parking space, so he often parked his car outside the complex.

However, the place where he parked is marked by a solid yellow line, and parking is prohibited. The insurance company also took this into account and set a 40% negligence rate.

On the other hand, when Mr. A inquired about the relevant information with the insurance company, he said that he received a reply saying, “I just need to pay the deductible of 500,000 won.”

Mr. A said, “The rental car company wants to find an agreement and we want to meet and talk. What can I do?” he pleaded.

On the other hand, according to the non-life insurance industry, when you sign up for your own vehicle damage insurance, you can be compensated for ‘flood damage’ if your parked car is damaged due to flooding or flooding, or if your car becomes unusable while driving in a flooded area.

Compensation is available for both parking and driving at the time of the damage, but △police-controlled areas △when the driver parked the vehicle in a low-lying area and flooded despite being aware of the flood forecast due to news warnings in advance △water is already full If the road is flooded while driving excessively, and if the driver is illegally parked in a no-parking zone, the driver’s negligence may be partially recognized and premiums may be increased.

In the case of Mr. A, he suffered flood damage due to illegal parking in a no-parking area. As the driver’s negligence was partially recognized, the rental car company is expected to be able to claim 500,000 won in deductible and insurance premium damage to Mr. A.

Reporter Lee Dong-jun [email protected]

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