Korean Job Discussion Forums

InDaGu · Joined: 28 Jun 2010 Location: Cebu City, Philippines

Please forgive me if my English isn't perfect here, because i still have a concussion.
Was in an accident yesterday, a taxi cut me off and immediately stopped to pick up a passenger. I tried my best to stop, but layed it down. Got some pretty good road rash, a separated shoulder, and the aforementioned concussion.
Anyway, the the rep from the taxi company came and said they would take care of my medical expenses. Problem is, I found out afer my MRI today that I have a break in my shoulder socket, and will need surgery. Obviously this is something that is going to cause me to miss work. My question is, am I entitled to be compensated for missing work? The subject was not brought up when they were present yesterday, but I had a concussion at the time and did not know I would need surgery.
Any advice is appreciated.

Leslie Cheswyck · Joined: 31 May 2003 Location: University of Western Chile

Did you sign anything?

If not, then your options are are still open.

Not an expert here, but that is the general pattern.

InDaGu · Joined: 28 Jun 2010 Location: Cebu City, Philippines

Thanks for the reply, but my question isn't so much about whether the book is closed on what they will do, but whether being compensated for missing work is common practice and something I should strongly pursue.

ttompatz · Joined: 05 Sep 2005 Location: Kwangju, South Korea

InDaGu · Joined: 28 Jun 2010 Location: Cebu City, Philippines

BoholDiver · Joined: 03 Oct 2009 Location: Canada

You have to sort of open up negotiations with the insurance company.

Never accept their first offer. They will try to lowball you.

The longer you stay in the hospital, the more you get.

Joe Boxer · Joined: 25 Dec 2007 Location: Bundang, South Korea

IlIlNine · Joined: 15 Jun 2005 Location: Gunpo, Gyonggi, SoKo

jrwhite82 · Joined: 22 May 2010

Will your employer or coteacher provide you with any guidance on how to handle this properly so you don't get screwed over?

Does the insurance rep speak English or are you fluent in Korea? That is something I would be awfully concerned about if I was there alone.

goesslry · Joined: 19 Jun 2007

I was in a very severe motorcycle accident on June 2, which left me hospitalized for a month. this is what happens:

The insurance companies should have come (along with the cop), to assess the situation and find fault. If he pulled out in front of you, my guess is it would be 80/20, since it seems there is always some fault on both parties. This means that you will be responsible for 20% of your bike, and them 80%. However, since they were the main fault, they will pay all your medical expenses, including lost wages. The important thing is to make sure the insurance company gets involved formally, otherwise you are pretty much out of luck. They will take your average wages over the last two years, and that is what you will be paid.

Take your time with the negotiation with the insurance company, and don't sign anything right away. Your best option will be to get a lawyer when you are out of the hospital and mostly healed. the insurance company will rape you for every penny they can. I am dealing with Samsung Insurance right now,and am finding that to be the case (I have a friend that works for Samsung Insurance that told me all the stuff they are trying to get out of). Best thing, get a lawyer.

edit: also, you will have to pay some hospital expenses that insurance won't cover (some things that surgeons use in surgery, etc, pain killers, etc), because the government here has labeled things that insurance companies aren't responsible for. My month in the hospital costed me about 400,000 won, and the insurance company 8,000,000, but I also had a ton of opiates since my leg was shattered. Be prepared to pay a little bit.

edit 2: if you want to talk about it, send me a PM. will be happy to walk you through it. my korean is quite good, and my wife is korean.

v88 · Joined: 28 Feb 2010 Location: here

drk76 · Joined: 15 Dec 2009 Location: Seoul

I got in a minor accident 4 months ago. It left me with a sore back and a badly sprained ankle that that still bothers me now. I've gone to the doctor a lot mostly for my ankle.

At first they just tried to offer to pay my 1 medical visit and the scooter damage. After rejecting about 5 times I've got them up to totally fixing my scooter, ongoing medical, and 800,000 for my trouble. I've gone to the doctor 6 times, had an MRI, walking cast, now I'm going for acupuncture this week. EVEN IF THEY CALL YOU EVERY DAY tell them you are in pain and not to call for a month. They'll try to annoy you and make you want to just get them off your back. They'd call me 3 times a day if I didn't answer and even on weekends.

My questions:

-Actually the MRI showed that the ankle injury could have been there before. But I had no serious problems until after the accident. Do you think I should take the money before they look into it more?

-And has anyone got more than 800,000 for a non hospital stay. I heard 800,000 is max for a non-hospital and no broken bones accident.
I'd like to get the 800,000 for my 4 months of pain. 120,000 for the day I missed work. And another 200,000 for taxis and medication I paid out of my own pocket. So in the end I'm hoping for 1-1.2 million. Impossible?

-Also they've gone from calling almost every day, to now not calling at all for the last 2-3 months. They didn't call even after my MRI and various check ups recently. Good or bad sign??

drk76 · Joined: 15 Dec 2009 Location: Seoul

I got in a minor accident 4 months ago. It left me with a sore back and a badly sprained ankle that that still bothers me now. I've gone to the doctor a lot mostly for my ankle.

At first LIG just tried to offer to pay my 1 medical visit and the scooter damage. After rejecting about 5 times I've got them up to totally fixing my scooter, ongoing medical, and 800,000 for my trouble. I've gone to the doctor 6 times, had an MRI, walking cast, now I'm going for acupuncture this week. EVEN IF THEY CALL YOU EVERY DAY tell them you are in pain and not to call for a month. They'll try to annoy you and make you want to just get them off your back. They'd call me 3 times a day if I didn't answer and even on weekends.

My questions:

-Actually the MRI showed that the ankle injury could have been there before. But I had no serious problems until after the accident. Do you think I should take the money before they look into it more?

-And has anyone got more than 800,000 for a non hospital stay. I heard 800,000 is max for a non-hospital and no broken bones accident.
I'd like to get the 800,000 for my 4 months of pain. 120,000 for the day I missed work. And another 200,000 for taxis and medication I paid out of my own pocket. So in the end I'm hoping for 1-1.2 million. Impossible?

-Also they've gone from calling almost every day, to now not calling at all for the last 2-3 months. They didn't call even after my MRI and various check ups recently. Good or bad sign??