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    <title>12대중과실 on 차곡차곡</title>
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      <title>12대 중과실 종류, 보험 들어도 처벌되는 12가지</title>
      <link>https://car.importants-studio.com/posts/12-major-negligence-traffic-accident/</link>
      <pubDate>Tue, 20 Oct 2026 09:00:00 +0900</pubDate>
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      <description>12대 중과실은 교통사고처리 특례법 제3조 제2항 단서의 12개 호를 부르는 말입니다. 신호위반부터 화물 낙하까지 종류와, 보험·합의가 있어도 재판에 넘겨질 수 있는 이유를 정리했습니다.</description>
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