Commercial auto insurance

DB Insurance: product explanation checklist

Match this official Korean product name on the insurer's screen 프로미카 영업용 자동차보험

This page is an English decision guide, not a translated insurance contract. If the English guide and the insurer's Korean documents differ, the official Korean documents and the insurer's explanation control. 한국어 상세 해설 보기

SIDE-BY-SIDE BUYING GUIDE

Check each point while the product is being explained

Keep this page on the left and the DB Insurance website or phone call on the right. We do not ask for your riders, coverage amounts, health information, or personal details.

Open the insurer's official website

LEFTThis checklistQuestions and decision order

RIGHTInsurer website or callOfficial terms, quote, and application

0 checkedTick an item only after you receive a clear answer.

1
When does the insurer actually pay?Decide this first

A benefit name is not enough. Ask for the exact trigger, exclusions, waiting period, and payment frequency.
- Bodily injury liabilityWhat exact event, diagnosis, treatment, or loss triggers this benefit? What is excluded, and how many times can it be paid?
- Property damage liabilityWhat exact event, diagnosis, treatment, or loss triggers this benefit? What is excluded, and how many times can it be paid?
- Damage to your vehicleWhat exact event, diagnosis, treatment, or loss triggers this benefit? What is excluded, and how many times can it be paid?
- Does full coverage start immediately?Ask about the coverage start date, waiting period, reduced-benefit period, and major exclusions.
2
Can the contract be maintained?Look beyond today's premium
- Who is allowed to drive, which vehicle is covered, and what deductible applies after an accident?Ask the insurer to show where this appears on the application screen.
- When do premium payments end, and when does coverage end?The premium payment period and the insurance coverage period are not the same thing.
3
Compare what changesCommercial auto insurance
- If a benefit is removed, what risk is no longer covered?Do not compare price alone. Ask what protection disappears with each option.
- Can I see the same condition in the official policy terms?Ask for the section title or page where the answer is written.
4
Convenience and extra servicesConsider these after the core terms
- Would the product still make sense without the app feature, event, or extra service?Convenience can matter, but it should not replace the benefit and contract checks above.

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Source and version

Official source: Open the insurer's disclosure page ↗
Terms date: 2025-10-11
Last checked: 2026-06-30