[CBC News] This is an accident that occurred near Sillim Station in Seoul last January. A bus that had departed from a stop suddenly accelerated and charged straight toward the sidewalk. During a police investigation, driver A stated that the brakes did not work.

This accident raises the question: "What if it were my car?" Whether it is sudden acceleration or a brake defect, until the cause is clearly determined, compensation for damages and legal responsibility often fall entirely on the driver. In particular, accidents suspected of involving sudden acceleration are mostly presumed to be driver negligence, and there are many cases where disputes between the driver and the insurance company are prolonged during the insurance claims process.

In such unexpected situations, what determines the actual speed of damage recovery is the coverage scope and special coverage configuration of auto insurance. The three special coverage options that should be essential to review in preparation for accidents are as follows.

First, 'Own Vehicle Damage Coverage (Own Damage Insurance)' and the 'Market Value Decline Compensation Special Coverage.' If the other party's fault is not clear or the incident is processed as a single-vehicle accident, without own damage insurance, the vehicle repair costs must be borne entirely by the individual. Recently, an increasing number of consumers are also comparing the market value decline compensation special coverage, which partially compensates for the drop in used car value due to an accident.

Second, the 'Uninsured Vehicle Injury Special Coverage.' Even if the other vehicle is uninsured or the identity cannot be confirmed due to a hit-and-run, treatment costs and damages can be compensated through one's own insurance. It is cited as one of the special coverage options where the difference in coverage limits among insurance companies is currently large.

Third, 'Own Bodily Injury or Auto Injury Coverage.' For accidents like sudden acceleration where it takes time to determine the cause, the importance of coverage that allows one to quickly receive compensation for personal injury treatment increases. It is advantageous to compare the Auto Injury special coverage, which has a broader coverage scope than Own Bodily Injury coverage.

By using online auto insurance comparison services, you can easily compare the coverage scope and premiums of multiple insurance companies on a single screen. However, it is practically helpful to comprehensively review not only the displayed premiums but also the own damage insurance deductible ratio, special coverage renewal conditions, and claims processing speed in the event of an accident.

Accidents where the cause is not immediately revealed, like the Sillim Station accident, can happen to anyone. The habit of carefully comparing coverage details in advance is the most certain way to reduce the burden after an accident.

[This article was written with the assistance of AI. This article was written based on currently available information, and we recommend verifying the facts once more.]