• Journal of Digital Convergence
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• v.10 no.5
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• pp.67-78
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• 2012

Recently, the interesting of customers in online auto insurance is rapidly increasing. The one of major reasons is economical benefit. offline auto insurance products as a service formed high price. However, online auto insurance relatively formed low price. Thanks to these characteristics of online auto insurance has gained great popularity. Therefore, in purchasing online auto insurance, consumers carefully buy products of auto insurance. In this study, we classified the $2{\times}2$ matrix (online preference group, economic pursuit group, convenience oriented group, and carefulness approach group) in online auto insurance consumers focusing on the perceived benefits and price acceptance. From an economic point of view of consumers around the perceived benefits and price acceptance, we analyzed the relationships among easy of use, usefulness, attitude, and purchase intention in automobile e-shopping mall. The results of this study will provide the useful implications for the planing CRM(customer relationship management) strategy for improving purchase intention of customers to online insurance companies.

• Journal of Auto-vehicle Safety Association
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• v.13 no.4
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• pp.53-59
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• 2021

According to the Korean Traffic Accident Analysis System (TAAS), more than 200,000 traffic accidents occur every year. Also, the statistics including auto insurance companies data show 1.3 million traffic accidents. In the case of TAAS, the types of traffic accidents are simply divided into four; frontal collision, side collision, rear collision, and rollover. However, more detailed information is needed to assess for advanced driver assist systems at intersections. For example, directional information is needed, such as whether the vehicle in the car accident way in a straight or a left turn, etc. This study intends to redefine the type of accident with the more clear driving direction and path by referring to the Negligence standards used in automobile insurance accidents. The standards largely divide five categories of car-to-car/motorcycle /pedestrian/cyclist, and highway, and the each category is classified into dozens of types by status of the traffic signal, conflict situations. In order to present more various accident types for auto insurance accidents, the standards are reclassified driving direction and path of vehicles from crash situations. In results, the car-to-car accidents are classified into 33 accident types, car-to-pedestrian accidents have 19 accident types, car-to-motorcycle accidents have 38 accident types, and car-to-cyclist accidents are derived into 26 types.

• The Korean Journal of Financial Management
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• v.23 no.1
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• pp.227-242
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• 2006

This paper analyzes insurance crimes using a game theoretic model. In blackmailing cases involving automobile accidents, insurance criminals deliberately induce innocent drivers(victims) to commit a moving violation such as crossing over the center dividing yellow line, and collide with the victims. After the collision, the criminals and the victims effectively engage in a bargaining game over the amount of the settlement for the damage. Because the penalty for that kind of moving violation is very severe (even criminally prosecuted), the victims do not have much bargaining power. Exploiting the weak bargaining power of the victims, the criminals demand and receive huge compensation (including settlement) from the victims. In the model, it is shown that under the current law agents have perverse incentives leading to insurance crimes. The criminals have incentive to induce car collisions and extract huge settlement from the victims. Based on the analysis, it is suggested that lowering the severity of penalty for certain kind of violation may be needed to prevent insurance crimes, in addition to increasing the crime investigation activities and strengthening punishment for insurance criminals.

• Transactions of the Korean Society of Automotive Engineers
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• v.18 no.1
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• pp.99-104
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• 2010

It is a frequent occurrence in urban traffic - a low-speed collision in which one vehicle hits the back of another. The vehicles often sustain expensive damage. Bumpers can reduce this damage, but only line up so the initial contact in an impact is bumper to bumper. Then the bumpers on the colliding vehicles have to absorb the crash energy, keeping damage away from expensive sheet metal, lights, and other components. In real world accidents, Bumper mismatches in crashes are increasing, and the resulting repair costs from low-speed collisions are escalating. In this study, we investigated the bumper rail height and analyzed their effects on repair cost. Futhermore, Our 16kph front-into-rear crash tests demonstrates bumper mismatch problem.

• International Journal of Automotive Technology
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• v.7 no.6
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• pp.715-720
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• 2006

This research investigates injury values and vehicle deformation for vehicle frontal crash compatibility. To investigate compatibility in an individual case, it is possible to impact two vehicles and evaluate the injury values and deformations in both vehicles. In this study, four tests were conducted to evaluate compatibility. A large and mini vehicle were subjected to a frontal car-to-car crash test at a speed of 48.3 km/h with an offset of 40%. An inclination car-to-car crash test using the large and small vehicle were conducted at 30 km/h at a $30^{\circ}$ angle. The results of the 48.3 km/h, car-to-car frontal crash revealed extremely high injury values on the chest and upper leg of the Hybrid III 50% driver dummy with seatbelt in the mini vehicle compared to the large vehicle. For the 30 km/h, car-to-car inclination crash, however, injury values in the small vehicle were 1.5 times higher compared to the large vehicle.

• Transactions of the Korean Society of Automotive Engineers
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• v.13 no.5
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• pp.29-34
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• 2005

141,841 car-to-car collision had occurred in 2003, and among the accidents 51,796 were rear-end impact. According to insurance company for loss or damage, more than $60\%$ of rear-end impact victims suffer neck injury. This means at least 31,000 neck injury victims have happened in 2003. More than $97\%$ of the neck injury victims have low severity injury than A.I.S 2. Head restraint, which is designed to limit rearward head movement and equipped on seat, can considerably protect neck from rear-end impact. In this paper we evaluated head restraint geometry and drivers' sitting position according to RCAR standard and carried out low speed volunteer crash test. The crash speed is 4km/h and N.I.C value is used to determine injury probability. Through these research results we can introduce the method to prevent neck injury at rear-end impact.

• The Journal of The Korea Institute of Intelligent Transport Systems
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• v.21 no.6
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• pp.36-56
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• 2022

Traffic accidents occur in Korea are calculated with the 「Automobile Accident Negligence Ratio Certification Standard」 prepared by the 'General Insurance Association of Korea' and the insurance company's agreement or judgment is made. However, disputes are frequently occurring in calculating the negligence ratio. Therefore, it is thought that a more effective response would be possible if accident type according to the standard could be quickly identified using traffic accident information prepared by police. Therefore, this study aims to develop a model that learns the accident information prepared by the police and classifies it to match the accident type in the standard. In particular, through data mining, keywords necessary to classify the accident types of the standard were extracted from the accident data of the police. Then, models were developed to derive the types of accidents by learning the extracted keywords through decision trees and random forest models.

• Journal of Society of Preventive Korean Medicine
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• v.26 no.3
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• pp.49-58
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• 2022

Objectives : The purpose of this study is to analyze the factors affecting the intention of traffic accident patients, who had visited Korean medicine clinics for the purpose of treating traffic accidents, on revisiting and recommending those clinics to others. Methods : This study conducted the frequency analysis, Rao-scott chi-square test, and logistic regression analysis on 389 people, who answered that they had once visited Korean medicine clinics for treatment in traffic accidents, using data from the 2020 Korean Medicine Utilization and Herbal Medicine Consumption Survey. Results : As a result of the analyses, it was revealed that the significant influencing factors entailed marital status, job status, the attitude of medical staff, and access to the Korean medicine clinics, while only access to the Korean medicine clinics was a significant influencing factor for the intention to recommend to others. Especially, the intention of to revisit and to recommend in case of satisfying access to the Korean medicine clinics were 8.476 times and 6.784 times higher than when it is not the case. Conclusions : The results of this study reflect the characteristics of automobile insurance, and indicate that both further study and policy establishment on the operation of the automobile insurance system are required to ensure sufficient treatment for traffic accident patients.

• Health Policy and Management
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• v.13 no.2
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• pp.85-100
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• 2003

The purpose of this study is to (1) identify socio-demographic, economic, village-effect variables that influence the late payment of the National Health Insurance contribution, (2) to develop the model to predict the probability of a household to make late payment of the contribution. Data is composed of information on 78,858 households, Gangnam branch, National Health Insurance Corporation, as of September 30, 2001. We analyzed the data by using multivariate logistic regressions. The major findings are as follows; (1) an older or female householder whose family consists of smaller number of members is more likely to pay the contribution late than others, (2) as for income, one who belongs to a lower income group or nm a private business tend to pay it late, (3) more attention should be paid to a householders who does not have his/her own house or automobile so as to prevent late payment, (4) lastly, those who live in villages such as Nonhyun-l-dong are less likely to pay the contribution prior to due date.

• Journal of the Korean Data and Information Science Society
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• v.20 no.3
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• pp.515-526
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• 2009

Pricing based on proper risk has been one of main issues in auto insurance. In this paper, we review how the techniques of pricing in auto insurance have been developed and suggest a better approach which meets the existing risk statistically by comparison. The generalized linear model (GLM) method is discussed for pricing with different distributions. With GLM approach, the distribution of error assumed plays an main role for the best fit corresponding to the characteristics of dependent variables. Tweedie distribution is considered as one of error distributions in addition to widely used Gamma and Poisson distribution. With these different types of error assumption for estimating the proper premium in auto insurance, various modeling approaches are possible. In this paper, various modeling approaches with different assumptions for estimating proper risk is discussed and also real example is given by assuming different.