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    <title>자동차보험할증 on 차곡차곡</title>
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      <title>접촉사고 자비처리 할까 보험처리 할까, 물적사고 할증기준금액부터 확인하세요</title>
      <link>https://car.importants-studio.com/posts/car-insurance-deductible-vs-selfpay/</link>
      <pubDate>Sun, 13 Sep 2026 09:00:00 +0900</pubDate>
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      <description>수리비 몇십만 원짜리 접촉사고, 보험처리하면 자기부담금은 얼마고 할증은 얼마나 붙는지 정리했습니다. 물적사고 할증기준금액과 자기부담금 구조부터 보세요.</description>
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