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그대로 동의하기 전 검토하세요
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보험사 안내나 산재 판단에 동의하기 전,
보상 쟁점을 객관적으로 확인해드립니다.
이런 상황이라면, 합의 전 검토가 필요합니다
보험금·합의금·산재 승인 여부는 서류와 약관, 사고 경위에 따라 달라집니다.
아래 상황에 해당된다면 손해사정 검토를 먼저 받아보는 것이 좋습니다.
합의 전, 약관과 자료를 기준으로 먼저 확인합니다.
보험사 합의금이 낮게 느껴질 때
산재 불승인 통보를 받았을 때
보험금 부지급 사유가 이해되지 않을 때
후유장해 진단·장해율 검토가 필요할 때
현장 사고가 산재에 해당하는지 애매할 때
오토바이 사고 보상 범위를 확인하고 싶을 때
“위 상황 중 하나라도 해당된다면, 서류를 먼저 확인해보는 것이 안전합니다.”
내 상황 검토 요청하기합의서에 서명하기 전,
산정 근거부터 확인하세요
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합의서 서명이나 보험사 안내에 동의하기 전, 보유한 서류를 기준으로 먼저 검토하는 것이 안전합니다.
보험금·합의금은 감이 아니라,
자료와 약관을 기준으로 검토해야 합니다.
사고 유형별로 필요한 검토가 다릅니다
교통사고, 산재, 후유장해, 보험금 분쟁은 각 사건별로 필요한 검토 자료가 다릅니다.
내 사건에 맞는 항목을 기준으로 보상 가능성과 산정 기준을 확인합니다.
12대 중과실 교통사고
신호위반, 중앙선 침범, 음주운전 등 중과실 사고의 과실과 합의금 적정성을 검토합니다.
핵심 검토
산재 손해사정
산재 승인 여부, 불승인 사유, 장해등급 가능성을 자료 기준으로 검토합니다.
핵심 검토
보험금 분쟁 손해사정
보험금 부지급, 감액, 면책 통보가 약관상 타당한지 확인합니다.
핵심 검토
산업재해·직업병 손해사정
항만, 제조, 건설, 물류 현장의 사고와 직업병 보상 가능성을 검토합니다.
핵심 검토
실제 상담에서 자주 확인하는
보상 쟁점
합의금이 적정한지, 산재 불승인 사유가 타당한지, 보험금 감액 근거가 맞는지는
사건마다 확인해야 할 자료가 다릅니다.
든든손해사정은 진단서, 치료 기록, 약관, 사고 경위 자료를 기준으로 보상 쟁점을 검토합니다.
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보험금 검토는 이렇게 진행됩니다
상담부터 검토 결과 안내까지, 필요한 자료와 판단 근거를 단계별로 설명드립니다.
무상 기초 상담
사고 경위와 현재 진행 상황을 먼저 확인합니다.
자료 확인 및 수집
진단서, 치료 기록, 보험 안내문 등 필요한 자료를 안내합니다.
의무기록 분석
진단서, 치료 경과, 후유장해 가능성을 검토합니다.
약관·지급 기준 검토
보험 약관과 지급 기준에 맞는지 대조합니다.
손해액 산정
치료비, 휴업손해, 위자료, 장해 항목을 검토합니다.
검토 결과 안내
필요 시 손해사정서 작성 및 제출 방향을 안내합니다.
자주 묻는 질문 (FAQ)
상담 진행 시 의뢰인분들께서 가장 자주 질문하시는 내용을 객관적 기준에 따라 정리해 드립니다.
사고 경위 자료, 진단서, 치료기록, 보험사 안내문, 약관 자료 등이 있으면 검토가 수월합니다. 자료가 부족한 경우에도 현재 상황을 먼저 확인한 뒤 필요한 서류를 안내드립니다.
손해사정사는 보험사고 발생 시 객관적인 자료를 기준으로 보상 대상 여부와 손해액을 분석하고 산정하는 역할을 수행합니다. 보험약관, 사고경위서, 의무기록 및 치료 진단서 자료를 기준으로 법리적 합당성을 검증하며, 합의나 소송의 직접 대행 등 법률 대리가 필요한 영역은 변호사법 준수를 위해 대리하지 않으며 필요한 경우 관련 전문가 협업을 안내할 수 있습니다.
합의서에 최종 도장을 찍기 전에 검토받는 것이 안전합니다. 위자료, 휴업손해, 상실수익액 및 향후 치료비용 등이 누락 없이 사고자료와 약관 규정 자료를 기준으로 정밀하게 산정되었는지 확인하는 절차가 필요하기 때문입니다.
네, 공단의 최초 불승인 결정 사유서를 면밀하게 해부하여 재검토가 가능합니다. 재해 경위, 직업력 데이터, 의무기록 자료를 기준으로 상당인과관계를 보완하고 업무관련성 자료를 기준으로 다시 분석하여 이의신청 방향을 확인합니다.
네, 충분히 가능합니다. 보험사가 지급 면책 사유로 내세운 논리나 계약해지 주장이 타당한지 보험사 안내문과 개별 약관 및 의무기록 자료를 기준으로 사실관계를 정밀하게 검토하여 확인합니다.
일반적으로 사고일 또는 수술을 시행한 날로부터 6개월(180일)이 지난 시점에 신체의 움직임 장해나 신경계 제한 상태 자료를 기준으로 검토하고 확인합니다. 장해진단서의 적정성 유무를 판단하는 것이 매우 핵심적인 단계입니다.
치료받으신 병원의 '진단서', 세부 이력이 나온 '진료기록 차트', 'MRI/CT 판독지'가 기본적이며, 보험 분쟁은 '보험금 부지급 안내문', 산재는 '결정 통지서'가 요구됩니다. 보유하신 자료를 기준으로 현재 상태를 우선적으로 객관적 분석합니다.
합의서에 서명하기 전,
보상 기준부터
확인하세요
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검토 기준
진단서 · 치료기록 · 약관 · 사고경위
상담 방식
전화 · 카카오톡 · 방문 · 비대면 검토
보상 서류 사전 검토 요청
든든손해사정은 보험약관, 의무기록, 사고경위 자료를 기준으로 손해액 산정 의견을 검토하는 손해사정 서비스입니다. 법률 자문이나 소송 대리를 수행하지 않으며, 필요한 경우 별도 전문가 연계를 안내드릴 수 있습니다.