• 한국자동차공학회논문집
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• 제21권6호
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• pp.58-63
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• 2013

It is very difficult to evaluate the impact speed, who caused the accident and what the injury risk of the vehicle occupants was from the outcome of the accident. That's the main reason why there are so many insurance fraud related to vehicle accident. In this study, a vehicle crash accident suspected to an insurance fraud had been reconstructed to evaluate crash speed and the relationship between the crash accident and passenger injury risk. To do this, the scene was reconstructed based on accident investigation report and three vehicle crash tests were done at 27kph, 37kph and 70kph. The crash speed of 27kph and 37kph were chosen based on the damaged vehicle and 70kph was chosen based on the driver's statement. Based on the damage of vehicle and dummy injury measure, impact speed is estimated around 20 to 30kph and the dummy measures show that the passengers are not seems to be severely injured in this speed range.

• 한국중재학회지:중재연구
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• 제22권1호
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• pp.89-110
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• 2012

No-fault automobile insurance system is a statutory scheme to provide automobile accident victims with compensation for certain expenses arising from personal injuries occurring in car accidents. New York State has enacted No-Fault Law to ensure that the injured in automobile accidents be paid rapidly by their own insurance company for medical expenses, lost earnings regardless of fault, replacing common law system of reparation for personal injuries under tort law. Its primary purpose is to facilitate compensation without the need to exhaust time-consuming litigation over establishing the existence of fault and the extent of damages. No-Fault Law allows arbitration as a method for settling the no-fault insurance disputes. No-fault arbitration, however, differs in a significant way from general arbitration system. First, No-Fault Law provides the parties with the option to submit any dispute involving no-fault automobile insurance to arbitration. Second, no-fault arbitration attempts to speed its procedure incorporating various methods. Third, the parties are required to seek review of arbitral awards by master arbitrator prior to seeking court's review. Fourth, the parties have right to bring de novo action in court if master arbitrator's award exceeds $5,000. Given the current state of law in Korea, it may not be easy to introduce no-fault arbitration system into Korea in the context of automobile insurance disputes settlement as its law has a long-established reparation system based on tort liability and no-fault arbitration system has its own features that differ from general arbitration system. Nonetheless, it could be suggested that no-fault arbitration be introduced in other fields which require speedy dispute resolution and a third party's decision to settle the disputes. The optional right of submitting disputes to arbitration as provided by No-Fault Law of New York State may offer a ground to supprot the effectiveness of an optional arbitration agreement.

• 대한약침학회지
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• 제24권3호
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• pp.122-137
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• 2021

Objectives: In South Korea, traffic accident victims can be treated under automobile insurance coverage. Korean medicine (KM) clinics have reported the largest number of automobile insurance fee claims among medical institutions. This study investigated the status of the KM automobile insurance system in a single KM clinic. Methods: We retrospectively surveyed the medical charts of 342 traffic accident patients treated at the Jisung KM clinic between January 2009 and June 2017. Results: Most of the patients were men and in their 30s. The most common method of locating the clinic was an internet search. The most common traffic accident type was collision between vehicles (83.63%), with 70.76% of patients visiting during the most acute phase. The major disease codes included S434, M4836, F072, S0600, and S3350. The most frequent treatment period was within 1 month of the accident, and most patients received 10 or fewer treatments. The mean treatment duration and number of treatments were 37.68 ± 45.11 days and 11.68 ± 10.63 treatments, respectively. The initial pain numerical rating scale (NRS), 7.32 ± 0.96, decreased to 3.57 ± 1.40 at the end of treatment, with a symptom improvement score of 1.87 ± 0.60. Regarding sex, age, disease duration, location at the time of the accident, presence of additional and psychological symptoms, and chuna, there were statistically significant differences in treatment duration and number of treatments. A higher number of treatments and the longer treatment duration was associated with a higher initial NRS, lower post-treatment NRS, and better improvement score. Since the introduction of traffic accident (TA) pharmacopuncture, the rate of use of a single type of pharmacopuncture increased; however, no significant differences in treatment duration and number, NRS before and after treatment, and improvement score were observed between treatment groups before and after TA pharmacopuncture. No adverse reactions were observed for any treatment. Conclusion: This study confirmed the previous findings of a high treatment effect of KM under automobile insurance. We also observed significant correlations based on a detailed medical status, which may explain the increasing use of KM in the automobile insurance system. Additional multi-center studies in different regions are needed.

• Journal of the Korean Data and Information Science Society
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• 제18권4호
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• pp.1093-1101
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• 2007

Bonus-Malus system in automobile insurance rewards claim-free policyholders by premium discounts and penalizes policyholders with claims by premium surcharges. The purpose of adopting bonus-malus system is to alleviate differences in risk propensity. A well-known side-effect of bonus-malus system is the tendency of policyholders to pay small claims themselves and not report them to their, in order to avoid future premium increases. This phenomenon is called hunger for bonus. In this paper, we introduces an alternative approach to the Bonus-Malus system in automobile insurance - the approach is based on a deductible theory; and then search for a proper way combining both of them. Also, we construct a new algorithm to determine the optimal strategy of the policyholder based on the proposed model.

• 한국자동차공학회논문집
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• 제24권4호
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• pp.432-438
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• 2016

Whiplash injuries in low-speed rear-end collisions are the most common injuries and has been a social issue in insurance industry, such as excessive medical claim costs along with exaggerated injuries of victims and treatments from hospitals. According to the Korea Insurance Development Institute reports, the number of claims by rear-end collision was approximately 703,000, which accounts for 53.6 % of the total car-to-car collisions in 2014. Part of the neck injury claims in the Korea car insurance was approximately 28.3 %. Furthermore, approximately 98.4% of the injured persons in rear-end collisions sustained minor injuries under AIS2. In order to improve this situation as well as find out the severity of neck injuries from rear-end collision, the Korea Automobile Insurance Repair Research and Training Center conducted car-to-car rear-end crash tests that striking vehicles(SUV) collided into different sizes of struck-vehicles(small, middle, and large sedan) at the impact speeds of 8 km/h ~ 16 km/h. In order to analyze the whiplash injury, the BioRID-II was seated in each struck-vehicles, and the neck injury criteria(NIC), head contact time, maximum vehicle accelerations, and mean vehicle accelerations were calculated from values from the accelerations of the dummy and the struck-vehicles.

• 대한교통학회지
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• 제33권3호
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• pp.223-236
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• 2015

이 연구는 교통사고감소를 위한 자동차보험의 지역요인 반영에 대해 다루고 있다. 연구의 목적은 지역별 자동차보험 적용방안에 대한 과학적인 검증절차를 수립하는데 있다. 이를 위해 이 연구는 지역별로 서로 다른 교통환경 요인에 대한 자동차보험 손해율과의 상관분석을 수행하였으며, 그 타당성을 검증하였다. 또한, 교통사고의 주된 원인인 인적요인에 해당하는 교통문화를 지역별로 구분하여 손해율간의 상관관계와 모형도를 제시하였다. 이러한 결과를 토대로 지역별로 교통사고를 유발하는 다양한 교통환경이 있음에도 불구하고 자동차보험요율은 획일적으로 적용되고 있는 문제점을 제기하였으며, 이를 해결하기 위한 방안으로 지역요인을 반영한 자동차보험정책의 도입을 주장하였다.

• 품질경영학회지
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• 제50권3호
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• pp.387-405
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• 2022

Purpose: This study aims to develop a communality model to measure the service quality that the customers encounter on face-to-face and non-face-to-face automobile insurance before and after insurance purchase. Methods: For these purposes, we conduct a five-step program to develop a comprehensive communality model to measure service quality except insurance purchase channels. Results: As a result, we find five communality factors: value-added service for automobile maintenance, value-added service for drivers, quickness, dispatch service, and convenience of the service process. And the relative importance of service quality factors was in the order of value-added service for drivers, the convenience of the service process, quickness, and dispatch service, respectively. Conclusion: This study developed the opportunities to enhance service quality to attract customers. And it contributes to the academic literature by reporting the industry-specific service quality model, which maintains a theoretical gap in the online and offline automobile insurance industry.

• 한국자동차공학회논문집
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• 제18권5호
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• pp.20-24
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• 2010

The position of the automobile's head restraint is very important for the neck injury in rear end collision. This study is about influence of the head restraint height and distance on neck injury during rear end collision. The effects of the position have been evaluated experimentally. The neck injuries are calculated by the relative acceleration between the upper and lower neck. As a result, It is found that the head restraint should be close enough to the back of the head and high enough to the top of the head.

• 한국인공지능학회지
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• 제9권1호
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• pp.9-14
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• 2021

This paper predicted a model that indicates whether to buy a car based on primary health insurance customer data. Currently, automobiles are being used to land transportation and living, and the scope of use and equipment is expanding. This rapid increase in automobiles has caused automobile insurance to emerge as an essential business target for insurance companies. Therefore, if the car insurance sales are predicted and sold using the information of existing health insurance customers, it can generate continuous profits in the insurance company's operating performance. Therefore, this paper aims to analyze existing customer characteristics and implement a predictive model to activate advertisements for customers interested in such auto insurance. The goal of this study is to maximize the profits of insurance companies by devising communication strategies that can optimize business models and profits for customers. This study was conducted through the Microsoft Azure program, and an automobile insurance purchase prediction model was implemented using Health Insurance Cross-sell Prediction data. The program algorithm uses Two-Class Logistic Regression and Two-Class Boosted Decision Tree at the same time to compare two models and predict and compare the results. According to the results of this study, when the Threshold is 0.3, the AUC is 0.837, and the accuracy is 0.833, which has high accuracy. Therefore, the result was that customers with health insurance could induce a positive reaction to auto insurance purchases.

• 응용통계연구
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• 제22권6호
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• pp.1215-1227
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• 2009

보험회사가 보험가입자의 정확한 위험도를 측정하여, 현재 보험료 수준으로 해당 가입자를 보험에 가입하도록 허용하는 것이 보험회사에게 손해인지 여부를 판정하는 보험회사의 활동을 언더라이팅이라 한다. 언더라이팅 시스템을 구축하는 방법으로는 기존 전통적 방법과 통계모형을 활용하는 방법이 있다. 기존의 요율산출방법에 따라 위험집단의 위험도 수준을 정하고, 해당 위험집단에 속한 가입자의 위험도를 기계적으로 계산하는 전통적인 방법은 모형의 이해가 용이하고, 사용이 편리하나 통계적으로 부합된 모형이라고 할 수는 없다. 본 연구에서는 우리나라 자동차보험 분야에서 언더라이팅 기준을 구축하기 위해 통계모형을 활용하는 방법으로 일반화가법모형을 활용하는 방안을 제시하고 분석하였다. 본 연구의 결과는 현재 자동차보험 요율산출에 사용되고 있는 변수들의 유의성을 판단하는 데에도 활용될 수 있을 것이다.