27664회. 무혐의인데 교통사고사실확인원에 '안전운전의무위반' 기재되어 있다고 보험료 더 내라고 합니다. 정말 DB에 실망했습니다!!!

94765 260724 (Fri) Part 1 Live Broadcast Children's Protection Zone, Speed ​​Limit 30 Accident with a child running out between cars waiting at an oncoming traffic light The dashcam car's insurance company DB says it's 50:50... Vote * The dashcam car is at fault. (Guilty of violating Min-sik's Law) Not at fault. (Not guilty) 100% ------------------------- 5 months after the broadcast stating the dashcam car was not at fault hxx**** 2026-07-23 22:28 Thank you, Attorney. We were cleared of charges. However, we feel so wronged. Suddenly, the insurance company called to say that we need to renew our policy, but because of our accident history, they are raising our premium by over 400,000 won. I asked if it wasn't unrelated since the charges were dropped, but they told me that a civil lawsuit is currently underway, the child's parents refuse to acknowledge the charges, and since the child has been receiving outpatient treatment for over six months now, the insurance company cannot file a lawsuit until the treatment is finished. However, since the insurance needs to be renewed before then, they are demanding that I pay a higher premium right now. Does that make sense...? The insurance company asked me to get the document confirming the acquittal (Certificate of Traffic Accident Fact), so I submitted the document as well. But they are saying it won't work because the cause of the accident is listed as "violation of the duty of safe driving within a child protection zone"... Does this make sense? ㅠㅠ hxx**** 2026-07-23 23:03 The insurance company (DB) says that because the child's parents do not want a settlement, refuse to acknowledge the charges, and insist on continuing outpatient treatment, there is nothing they can do right now, whether it is a lawsuit or a claim for unjust enrichment. They are telling us to pay the increased premium for now because we need to renew our insurance, but this case ended with us being cleared of charges. We don't understand why we are being held liable, and we feel extremely wronged. The traffic accident report doesn't mention any fault on our part, so in what way were we assigned fault that we have to pay the increased premium? We cannot admit to any fault. Is there no way to resolve this...? Please help us. Please. Attorney Han Moon-cheol 2026-07-23 23:06 Did the prosecution decide there were no charges? Please upload that decision document. Is the dashcam vehicle's insurer DB? Please upload a screenshot of your auto insurance policy. Didn't the insurance consultant or agent explain that the increased premium would be refunded later if the case went to 100:0? hxx**** 2026-07-23 23:09 My dad didn't send me the court ruling or the insurance policy, so I don't have them ㅠㅠ But he was relieved after being cleared of charges. The agent didn't even tell us the fault ratio. They just sent the documents with a note saying the premium would increase... Attorney Han Moon-cheol 2026-07-24 07:51 Regarding the handwritten text on the application form stating "over 440,000 won," Did you write it yourself? Or did the insurance agent write it and send it? How many years have you been doing business with this agent? Is that person an exclusive agent for DB Insurance? Or are they affiliated with a general agency (GA) that handles other insurance companies as well? hxx**** 2026-07-24 08:52 The insurance agent deliberately wrote "over 440,000 won." We received that document via text message exactly as shown in that photo. Since they are an acquaintance of my mom, I do not have their business card... I have been doing business with DB Insurance as an exclusive agent for nearly 10 years. I couldn't understand the situation, so I contacted the head office, but they didn't even request the "decision of no charges" that the lawyer mentioned yesterday. They asked me to send the "Confirmation of Traffic Accident Facts," which I did, but they told me that since a violation of duty was listed as the cause of the accident, they had no choice but to assign some fault to us. Since they only talked about premium increases rather than the settlement process, it felt like they were treating us like fools and only talking about asking for money, so I got angry and am stepping forward on my dad's behalf... I feel so wronged. I don't understand why they are assigning fault when we were cleared of all charges. The Confirmation of Traffic Accident Facts also states that we hit the left side of the car, but does hitting the left side even make sense? Our A-pillar is dented... Is this considered a car hitting a person? It's more like a child hitting a car... I hear the other party's parents are making a huge fuss, but is it right for our insurance company to side with them just because they make a fuss? I really don't understand why the insurance company I pay for with my own money isn't taking our side and is acting on their side instead. I feel so wronged. I have add...