자동차보험 세번째 이야기, "대물배상"
자동차사고로 인해 발생한 재물피해를 대비하는 담보.
A. 대물배상에서의 책임보험과 선택보험의 보상금액과 내용의 차이는?
B. 대물배상 1천만원(선택보험)을 가입하지 않았을 경우 운전자가 받는 불이익은?
C. 음주운전과 무면허운전을 한 경우에도 보상을 받을 수 있을까?
자동차보험 세번째 이야기, "대인배상"
자동차사고로 인해 발생한 인명사고를 대비하는 담보.
A. 대인배상에서의 책임보험과 선택보험의 보상금액과 내용의 차이는?
B. 선택보험을 가입하지 않았을 경우 운전자가 받는 불이익은?
C. 음주운전과 무면허운전을 한 경우에도 보상을 받을 수 있을까?
The document discusses two approaches to treatment planning for patients with severe periodontitis - a reconstructive approach and an adaptive approach. The reconstructive approach favors early extraction of questionable teeth to place dental implants, while the adaptive approach aims to retain natural teeth through nonsurgical and surgical periodontal therapy. The case study presented illustrates an adaptive approach, where periodontally hopeless teeth were extracted but other teeth were retained through nonsurgical therapy, surgery, and periodic maintenance. Over time, some retained teeth were later extracted and replaced with implants due to increased mobility.
Use iPhone 5 to mac transfer Software to browse your call history, SMS, voicemail, notes and more . iPhone 5 to mac transfer Software is the best solution for the iPhone 5 owner to transfer all files quickly and safely on Mac and backup your data forever.
Ajit Kumar is seeking a challenging role in data analytics, predictive analytics, modeling, and project management. He has over 5 years of experience in data analysis, data science, predictive analysis, business data modeling, and project management. He possesses strong technical skills in SAS, SQL, and data-driven problem solving. Ajit Kumar is results-oriented with strong communication, leadership, and management skills.
Gary Thomas is an experienced engineer with over 20 years experience in communications engineering, project management, and customer support. He has worked in roles monitoring global assets, implementing communication systems, and managing customer support. Thomas has extensive experience in radio communications, high voltage automation, and quality assurance. He is trained by the Royal Air Force and holds certifications in engineering, project management, and auditing.
Web scraping is a highly demanded service globally, and for good reason-, information is power. Yes, access to information determines the survival of an entity in the business terrain and smart businesses call upon web scraping experts to perpetuate their existence.
자동차보험 세번째 이야기, "대물배상"
자동차사고로 인해 발생한 재물피해를 대비하는 담보.
A. 대물배상에서의 책임보험과 선택보험의 보상금액과 내용의 차이는?
B. 대물배상 1천만원(선택보험)을 가입하지 않았을 경우 운전자가 받는 불이익은?
C. 음주운전과 무면허운전을 한 경우에도 보상을 받을 수 있을까?
자동차보험 세번째 이야기, "대인배상"
자동차사고로 인해 발생한 인명사고를 대비하는 담보.
A. 대인배상에서의 책임보험과 선택보험의 보상금액과 내용의 차이는?
B. 선택보험을 가입하지 않았을 경우 운전자가 받는 불이익은?
C. 음주운전과 무면허운전을 한 경우에도 보상을 받을 수 있을까?
The document discusses two approaches to treatment planning for patients with severe periodontitis - a reconstructive approach and an adaptive approach. The reconstructive approach favors early extraction of questionable teeth to place dental implants, while the adaptive approach aims to retain natural teeth through nonsurgical and surgical periodontal therapy. The case study presented illustrates an adaptive approach, where periodontally hopeless teeth were extracted but other teeth were retained through nonsurgical therapy, surgery, and periodic maintenance. Over time, some retained teeth were later extracted and replaced with implants due to increased mobility.
Use iPhone 5 to mac transfer Software to browse your call history, SMS, voicemail, notes and more . iPhone 5 to mac transfer Software is the best solution for the iPhone 5 owner to transfer all files quickly and safely on Mac and backup your data forever.
Ajit Kumar is seeking a challenging role in data analytics, predictive analytics, modeling, and project management. He has over 5 years of experience in data analysis, data science, predictive analysis, business data modeling, and project management. He possesses strong technical skills in SAS, SQL, and data-driven problem solving. Ajit Kumar is results-oriented with strong communication, leadership, and management skills.
Gary Thomas is an experienced engineer with over 20 years experience in communications engineering, project management, and customer support. He has worked in roles monitoring global assets, implementing communication systems, and managing customer support. Thomas has extensive experience in radio communications, high voltage automation, and quality assurance. He is trained by the Royal Air Force and holds certifications in engineering, project management, and auditing.
Web scraping is a highly demanded service globally, and for good reason-, information is power. Yes, access to information determines the survival of an entity in the business terrain and smart businesses call upon web scraping experts to perpetuate their existence.
The document discusses negotiable instruments and dishonor. It defines presentment as a demand for payment or acceptance of an instrument. It outlines rules for presentment including who it can be made to and how. It defines dishonor for various types of instruments including notes, drafts, and documentary drafts. It discusses notice of dishonor and excuses for presentment and notice. It provides evidence of dishonor and outlines the obligation of endorsers. It discusses transfer warranties and presentment warranties for negotiable instruments.
Качество металла или прибыль? Реалии кровельного рынка.потапов алексей
Кровельщики заявляют, что им и их клиентам весьма важно качество металла. При этом вскрывается недостаточная осведомленность как о формальных подтверждениях качества (сертификаты и маркировка), так и о характеристиках металла.
Осведомленность заказчиков кровли о вопросах качества значительно ниже, чем у самих кровельщиков.
Для наиболее продвинутой части кровельщиков существует только выбор «Ruukki или неважно что».
Для половины кровельщиков проблема несоответствия металла заявленным характеристикам не существует. Другая половина не только отмечает ее наличие, но и сообщает о росте некондиции.
Региональные отличия между кровельщиками сглажены (в отличие от СМЦ).
Оценки перспектив своего бизнеса у кровельщиков и продавцов металла, в целом, совпадают.
38% кровельщиков планируют развиваться.
This short document promotes creating presentations using Haiku Deck, a tool for making slideshows. It encourages the reader to get started making their own Haiku Deck presentation and sharing it on SlideShare. In just one sentence, it pitches the idea of using Haiku Deck to easily design slideshows.
Hesham Ahmed Mahfouz is seeking a challenging position where he can apply his technical and interpersonal skills. He has over 10 years of experience in the cement industry, including roles as Raw Meal Area Section Head and Pet Coke Project Manager Deputy. He holds a BSc in Mechanical Power Engineering from Helwan University and is proficient in AutoCAD, Primavera, and Microsoft Office.
This document summarizes a presentation on cross-cultural research comparing self-concepts in independent (e.g. U.S.) and interdependent (e.g. Japan) cultures. It defines self-concept and culture, then outlines traditional and newer multidimensional approaches to comparing self-concepts cross-culturally. Two studies are described that found both similarities and differences in self-concepts between European Americans and Japanese, depending on whether traits were measured independently or within relationships. The presentation argues for more multidimensional and culturally sensitive models and measurements to better understand complexity within and across cultures.
The document is a curriculum vitae for Sunny Bansal. It outlines his objective to work in a challenging environment where he can fully utilize his technical skills. It details his professional experience as a .Net trainer and developer from 2012-2014 and 2010-2011. It also lists his educational qualifications including a B.A. from KUK in 2007 and technical qualifications like a PGDC in computer applications. It outlines his technical skills in languages like C, C++, HTML, and databases. It provides links to live projects undertaken and describes dummy projects completed. Personal details like date of birth and marital status are also included.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like depression and anxiety.
김경환 법무법인 민후 대표변호사는 17년 6월 23일 개최된 'Contech 2017 국제융합기술심포지엄 - 미래도시와 자율주행'에서 '가치있는 미래도시와 자율주행' 세션을 맡아 발표했습니다.
세션에서 김 변호사는 자율주행차가 사회에 제대로 안착하기 위해 필요한 여러 법적 제반사항을 소개했습니다.
발표에 사용된 프레젠테이션 파일을 공유합니다.
The document discusses negotiable instruments and dishonor. It defines presentment as a demand for payment or acceptance of an instrument. It outlines rules for presentment including who it can be made to and how. It defines dishonor for various types of instruments including notes, drafts, and documentary drafts. It discusses notice of dishonor and excuses for presentment and notice. It provides evidence of dishonor and outlines the obligation of endorsers. It discusses transfer warranties and presentment warranties for negotiable instruments.
Качество металла или прибыль? Реалии кровельного рынка.потапов алексей
Кровельщики заявляют, что им и их клиентам весьма важно качество металла. При этом вскрывается недостаточная осведомленность как о формальных подтверждениях качества (сертификаты и маркировка), так и о характеристиках металла.
Осведомленность заказчиков кровли о вопросах качества значительно ниже, чем у самих кровельщиков.
Для наиболее продвинутой части кровельщиков существует только выбор «Ruukki или неважно что».
Для половины кровельщиков проблема несоответствия металла заявленным характеристикам не существует. Другая половина не только отмечает ее наличие, но и сообщает о росте некондиции.
Региональные отличия между кровельщиками сглажены (в отличие от СМЦ).
Оценки перспектив своего бизнеса у кровельщиков и продавцов металла, в целом, совпадают.
38% кровельщиков планируют развиваться.
This short document promotes creating presentations using Haiku Deck, a tool for making slideshows. It encourages the reader to get started making their own Haiku Deck presentation and sharing it on SlideShare. In just one sentence, it pitches the idea of using Haiku Deck to easily design slideshows.
Hesham Ahmed Mahfouz is seeking a challenging position where he can apply his technical and interpersonal skills. He has over 10 years of experience in the cement industry, including roles as Raw Meal Area Section Head and Pet Coke Project Manager Deputy. He holds a BSc in Mechanical Power Engineering from Helwan University and is proficient in AutoCAD, Primavera, and Microsoft Office.
This document summarizes a presentation on cross-cultural research comparing self-concepts in independent (e.g. U.S.) and interdependent (e.g. Japan) cultures. It defines self-concept and culture, then outlines traditional and newer multidimensional approaches to comparing self-concepts cross-culturally. Two studies are described that found both similarities and differences in self-concepts between European Americans and Japanese, depending on whether traits were measured independently or within relationships. The presentation argues for more multidimensional and culturally sensitive models and measurements to better understand complexity within and across cultures.
The document is a curriculum vitae for Sunny Bansal. It outlines his objective to work in a challenging environment where he can fully utilize his technical skills. It details his professional experience as a .Net trainer and developer from 2012-2014 and 2010-2011. It also lists his educational qualifications including a B.A. from KUK in 2007 and technical qualifications like a PGDC in computer applications. It outlines his technical skills in languages like C, C++, HTML, and databases. It provides links to live projects undertaken and describes dummy projects completed. Personal details like date of birth and marital status are also included.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like depression and anxiety.
김경환 법무법인 민후 대표변호사는 17년 6월 23일 개최된 'Contech 2017 국제융합기술심포지엄 - 미래도시와 자율주행'에서 '가치있는 미래도시와 자율주행' 세션을 맡아 발표했습니다.
세션에서 김 변호사는 자율주행차가 사회에 제대로 안착하기 위해 필요한 여러 법적 제반사항을 소개했습니다.
발표에 사용된 프레젠테이션 파일을 공유합니다.
1. 1분 보험
보험 초짜들을 위한
1분보험
1장. 자동차보험 소개 편
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2. 자동차보험 이란?
자동차 보험은
피보험자와 동승자(가족), 피보험자 차량, 타인 및
타인의 자동차 혹은 물품에 대한 손해를 배상해주는 담보
종합보험 = 책임(의무)보험 + 선택보험
책임보험= 대인배상1 + 대물배상 1천만원
선택보험= 대인배상2 + 대물배상(2천만원 이상) + 자기신체손해(자손)
+ 자기차량손해(자차) + 무보험차상해
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3. 대한민국 자동차 등록대수
세계 15번째, 아시아 4번째로 2천만대 돌파(자동차 1대당 인구수 2.56명)
국토교통부, ‘14.10.30
년도
2
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(단위: 만대)
6 8 25 56
601
2,017
207
808
1966 1970 1975 1980 1985 1990 1995 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
약 4배 증가
국내 자동차산업 성장
국민 소득수준 향상
외제차 시장 확대
SUV 수요 증가
1,508
889 974 1,028 1,062 1,112 1,161
1,210 1,248
1,302 1,363
1,4141,458
4. 교통사고 현황(’05~’13)
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출처: 경찰청, ’14
219,443
연 평균 자동차 사고 건 수
342,926
5,755
38
12
부상자 수/연 평균
사망자 수/연 평균
보행자 사망 비율(%)
사망자 수/10만 명
5. 하지만!
지난 5년간(’10.02~’14.06) 자동차보험 미지급 금액
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544억 7400만원
1위. 간접손해보험금: 대차(렌트)료, 휴차료 등
2위. 휴면보험금(피보험자가 찾아가지 않은 보험금)
3위. 특약보험금(피보험자가 청구하지 못한 보험금)
4위. 자기부담금 납입 초과분
출처: 금융감독원, ’14.12.15
소비자가 알지 못하는 보험금
절대! 보험회사가 먼저 지급하지 않는 것이 현실
7. 자동차보험 가입 경로
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25.5
TV, 인터넷 광고
상품, 혜택에 대한 지식 없이 가입
50.6
23.9
기타
불완전판매(홈쇼핑)
과대광고(인터넷)
친구(지인) 권유
보험사 직원은 상품의
단점은 축소시키고
장점을 극대화한다.
출처: 트렌드모니터, ’11
8. 자동차보험 관련 인식
그렇다 38.5 %
어떤 상품을 구매하든 저렴한 가격에 질 높은 상품을 선호하기 마련
하지만 자동차보험의 특징은 회색영역(보통)의 비율이 크다는 것. 결국,
출처: 트렌드모니터, ’11
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질 높은 서비스 선호
값이 싼 보험료 선호
보통 42.3 %아니다 19.2 %
그렇다 24.2 %보통 36.2 %아니다 39.6 %
보험상품에 큰 관심을 두지 않는 소비자의 문제
소비자의 선택?
9. Ⓒ MinuteInsurance. All Rights Reserved.
본인과 타인,
나아가 서로의 가족을 지켜줄 보험
본인의 지갑을 지켜줄 든든한 담보
자동차보험, 알고 가입하자!
10. 자동차보험 가입대상
종 목 가입대상
개인용
10인승 이하의 개인 소유 자가용 승용차
(자동차학원 운전교습, 도로주행교육 및 시험에 사용되는 승용차 제외)
업무용 개인용 자동차를 제외한 모든 비 사업용 자동차
영업용 사업용 자동차
이륜자동차 이륜자동차 및 원동기장치자전거
농기계 동력경운기, 농업용트랙터 및 콤바인 등 농기계
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