20964회. 후진으로 주차중인 차를 박살내고 그냥 도망 가버린 차

한문철 TV

29 Jan 202407:11

Summary

TLDRThe script depicts a car accident where a reversing vehicle hits a parked car and drives away. An insurance debate ensues over who was at fault. A lawyer explains the importance of driver's insurance to cover legal fees from the outset and compensate for damages caused accidentally. The plan also covers family members' mistakes. The message conveys that this insurance thoroughly protects drivers both on and off the road.

Takeaways

😊 The video takes place on a street corner in Gyeongju, Gyeongsangbuk-do province.
😮‍💨 A car backs up quickly and hits another car, then drives away without stopping.
🤔 The insurance companies debate who was more at fault - the illegally parked car or the reversing car.
😠 The reversing car clearly hit the parked car at high speed and drove away - they are 100% at fault.
⏰ The accident happened on January 20, 2022, but was not reported until January 21.
📞 The owner reported it to police, but they have not investigated properly yet due to it being Sunday.
🔍 The owner searched the neighborhood and found the car that hit them.
💰 If debris is left after an accident, there is a 130,000 won fine for not cleaning it up.
🤨 Insurance companies often try to assign 10% fault to illegally parked cars, but this is incorrect here.
👍 This accident shows the importance of a good driver's insurance policy that covers legal costs.

Q & A

Where did the accident take place?
-The accident took place on Wonhyo Road in Gyeongju, Gyeongsangbuk-do.
What kind of vehicle was involved in the accident?
-The video does not specify the type of vehicle involved. It only mentions that a car backed into and damaged another parked car.
What date did the accident occur?
-The accident occurred on Saturday, January 20, 2022.
When was the accident reported to the police?
-The accident was reported to the police on Sunday, January 21.
What is the fine for leaving the scene of an accident in Korea?
-The fine for leaving the scene of an accident is 130,000 won if no debris is left behind. If debris is left behind, it is considered failure to take post-accident measures, which has more severe penalties.
How are insurance companies apportioning blame?
-The insurance companies are debating whether the accident was 90% or 10% the fault of the illegally parked car that was hit.
What insurance coverage does the Early Response Plan provide?
-The Early Response Plan provides attorney fees from the initial police investigation stage, 50% advance payment of attorney fees, coverage for damage caused accidentally by family members, and coverage for roadkill and falling object accidents.
Why is attorney fee coverage important?
-Attorney fee coverage is important because legal processes after an accident can be intimidating and stressful. Having an attorney early on provides help and reassurance.
Who created the Early Response Plan product?
-The Early Response Plan was created by Han Moon Chul.
What number can you call to purchase the Early Response Plan?
-You can call 164-0070-007 to purchase the Early Response Plan.

Outlines

00:00

😊 Talking about a driver's insurance in Gyeongju, Korea

A lawyer explains important considerations when getting driver's insurance in Gyeongju, Korea. He highlights the need for legal representation from the initial police investigation stage after an accident. The Han Myung Cheol Early Response Plan provides partial coverage of attorney fees immediately after appointing one.

05:02

😃 Introducing comprehensive coverage of Han Myung Cheol's Early Response Plan

The lawyer further explains the comprehensive coverage of Han Myung Cheol's Early Response Plan. It covers not just drivers but also family members, for damages caused by accidents to others. It also covers roadkill, falling objects, etc. He emphasizes it is insurance made for drivers.

Mindmap

Keywords

💡Hit-and-run

Hit-and-run refers to the act of causing a traffic accident and then leaving the scene without providing contact information or aiding the victim. In the script, it describes an incident where a vehicle collided with another and the driver left without addressing the damage or reporting the accident. This is a critical point of discussion, illustrating the irresponsibility and legal implications of such actions.

💡Insurance claim

An insurance claim is a formal request to an insurance company for coverage or compensation for a covered loss or policy event. The script discusses a situation involving two insurance companies, Hyundai and another, deliberating over a claim related to a hit-and-run accident. This highlights the complexities and negotiations often involved in determining fault and liability in accidents.

💡Fault allocation

Fault allocation is the process of determining the degree of responsibility each party bears in an accident. In this video, a contentious 90/10 fault split is mentioned, where one party is deemed to be 90% at fault for the accident. This concept is pivotal for understanding how insurance companies assess incidents to decide on claim payouts.

💡Parking violation

A parking violation occurs when a vehicle is parked in a restricted or unauthorized area. The script references a scenario where parking within 5 meters of a crossroad is illegal, underscoring the importance of adhering to parking regulations to avoid fines and reduce the risk of accidents.

💡Driver's insurance

Driver's insurance provides coverage for motorists against losses incurred from accidents. The discussion includes a segment on choosing the right insurance policy, emphasizing the need for coverage that includes legal costs from the onset of police investigations. This reflects the broader theme of being prepared for unforeseen incidents on the road.

💡Legal representation

Legal representation refers to the act of hiring a lawyer to defend or represent one's interests in legal matters. The script touches on the importance of having legal support, especially after a traffic accident, to navigate legal proceedings and ensure fair treatment. This is part of a broader discussion on the benefits of comprehensive driver's insurance.

💡Accident debris

Accident debris refers to the remains or pieces of wreckage left on the road after a traffic collision. The script mentions debris scattering as a result of the hit-and-run, highlighting the hazards it poses to other road users and the responsibility of involved parties to manage the aftermath safely.

💡Hit-and-run penalties

Hit-and-run penalties are the legal consequences faced by individuals who leave the scene of an accident without providing assistance or identifying themselves. The script notes fines associated with not providing contact information after causing damage, underscoring the legal obligations drivers have following an accident.

💡Traffic law compliance

Traffic law compliance involves adhering to the rules and regulations designed to ensure road safety. The video script addresses the consequences of non-compliance, such as illegal parking and its role in traffic accidents, emphasizing the importance of lawful driving behavior.

💡Road safety awareness

Road safety awareness refers to the knowledge and practices that contribute to preventing road accidents. The script discusses various aspects of road safety, including legal, insurance, and preventive measures, aiming to educate viewers on how to minimize risks and handle accidents responsibly.

Highlights

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