• Korean Journal of Construction Engineering and Management
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• v.4 no.1 s.13
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• pp.122-130
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• 2003

Nowadays, as construction projects become bigger, the probability of construction accidents is higher than any other day. When construction accidents break out, we may suffer from the loss of life and property. For preventing these damages, there is lawed that some public constructions have to insure Contractor's all risks insurance policy (CAR), However, CAR is used to preventing the insured from the loss of construction accidents, it is debated that the premium rate of CAR is not fair to the insured (contractors) The objects of this thesis are as follows Firstly, the fairness of the premium rate of CAR is reviewed, and then the amount of risk of the insured evaluates and applies to the premium rate. Secondly, the development direction of components for evaluating the amount of risk of the insured is presented in the research. Lastly, how to use the team which assesses the risk of the insured and construction works is proposed for deciding reasonably the premium rate of CAR

• 한국디지털정책학회:학술대회논문집
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• 2005.06a
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• pp.443-461
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• 2005

The internet has been giving new business opportunities due to the unlimited and convenience of using it. So, A lot of companies confront many challenges to hold customer. In this situation, The holding many customers of online car insurance company could have very significant meanings, Therefore, this study could be meaningful to analyze the factor of building customer loyalty. The main results of the paper are as follows : Firstly, The attributes and recent situation of online car insurance have been researched. Secondly, The Customer brand relation quality(BRQ) has been shown a important role of building loyalty. Finally, Conceptual criteria for the study, which was modified considering cultural values of Korean customer from Fournier's seminal study, have shown very significant means.

• Transactions of the Korean Society of Automotive Engineers
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• v.13 no.6
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• pp.135-141
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• 2005

Currently many safety assessment tests are conducted by crashing a vehicle against a rigid or deformable barrier. It is quite rational to evaluate crash performance of a vehicle in a barrier test in terms of vehicle stiffness and strength. However, there has been a lot of debate on whether barrier testing is a duplicate of real world crash collisions. One of the issues is car to car compatability. There are two essential subjects in compatability. One is partner-protection when crashing into another vehicle and the other is self-protection when struck by another vehicle. When considering a car to car frontal crash between a mini car and a large heavy car, it is necessary to evaluate human body stiffness of each vehicle. In this study, in order to evaluate the compatability of cars in car-to-car crashes, four tests were conducted. Test speed of each car is 48.3km/h, and the overlap of the mini and large car is $40\%$, and the overlap of the small cars is $100\%$. In all tests, only a drive dummy is used. The test results of the car to car crash test show that vehicle safety standard of mini car is not satisfied compared with large heavy car and HIC value of mini car is higher than large car. In this case observed that the relatively lower stiffness and weight of the mini car resulted in absorbing a large share of the total input energy of the system when crashed into the large heavy car.

• 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.

• Journal of Korean Medicine Rehabilitation
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• v.24 no.1
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• pp.65-76
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• 2014

Objectives The purpose of this study is to investigate the corelation between traffic accident severity and treatment period and cost by traffic accident. Methods Outpatients who visited Jaseng Korean medicine hospital traffic accident clinic were investigated by hospital computer system about period and cost of treatment. And we requested for repair cost of car, a sort of car groups and agreement date with car insurance company to insurance company. Therefore we could analysis statistical correlation of traffic accident severity (repair cost of car) with period of treatment, cost of treatment, number of treatment in same sort of car groups. For statistics, we used SPSS version 18.0 for windows. Results A significant positive correlation was found between traffic accident severity (repair cost of car) with repair cost of car, cost of treatment and number of treatment in semi-midsize car, midsize car group. But, any significant correlation wasn't found between traffic accident severity (repair cost of car) with repair cost of car, cost of treatment and number of treatment in small car, full-sized car group. In SUV (sport utility vehicle) car group some significant correlation was found, but it isn't between traffic accident severity (repair cost of car) with repair cost of car, cost of treatment and number of treatment. Conclusions It was found that traffic accident severity (repair cost of car) had an effect on cost of car, cost of treatment and number of treatment by statistical analysis. But, it was also suggested strongly that other factors like a cost of car and ages had an effect on them.

• KIPS Transactions on Computer and Communication Systems
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• v.9 no.4
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• pp.89-100
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• 2020

In order to reduce the time and cost used in insurance processing, studies have been actively carried out to apply blockchain smart contract technology to car insurance. However, by using traffic data that is insufficient to prove accidents, existing studies are being exposed to the risk of insurance fraud, such as forgery and overstated damage by malicious insurers. To solve this problem, we propose an accident data-based reliability estimation model by using both various types of data through sensors, RSUs, and IoT devices embedded in automobiles and smart contracts. In particular, the regression model was applied in consideration of the weight estimation according to the type of traffic accident data and the reliability estimation model trained according to various accident situations. The proposed model is expected to effectively reduce fraud and insurance litigation while providing transparency in the insurance process and streamlining it is well.

• Journal of Korean Society of Transportation
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• v.33 no.3
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• pp.223-236
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• 2015

This study dealt with regional characteristics in car insurance for reduction of traffic accidents. The objective was to establish scientifically the verification procedure in the application of regional auto insurance rate. To specify the objective, this study conducts the correlation analysis between factors which are various in each local traffic environment and the loss ratio in automobile insurance. Also, this provides a correlation and a modal in loss ratio, classifying human factors in locality in major cause result from traffic accident. Based on the results, this brings up the problems with applying a uniform criterion for automobile insurance rate although various factors have effect on traffic accidents in locality. Therefore, what stands out most from this study is that a policy on automobile insurance applied to regional factor should be introduced.

• Journal of the Korea Society of Computer and Information
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• v.23 no.11
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• pp.167-173
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• 2018

The Korean government announced its goal of commercializing autonomous vehicle by year 2020. With such changes, it is expecting to decrease car accident mortality by half. To commercialize autonomous car, not only worries on safety of autonomous vehicle has to be solved but at the same time, institutional system has to be clear to distinguish legal responsibilities in case of accident. This paper will present the legal improvement direction of the introduction of autonomous vehicles as follows. First, it is necessary to re-establish concept of 'driver' institutionally. Second, it is appropriate to focus on Level 3 autonomous vehicle which is about to be commercialized in year 2020 and organize legal responsibility. Third, we should have a clear understanding on how level 3 autonomous vehicle will be commercialized in the future. Fourth, it is necessary to revise The Traffic Law, Act on Special Cases concerning the Settlement of Traffic Accident, and Automobile Accident Compensation Security Law in line with level 3 autonomous vehicle. Fifth, it is necessary to review present car insurance system. Sixth, present Product Liability Law is limited to movable products (Article 2), however, it is necessary to include intangible product which is software. Seventh, we should review on making special law related to autonomous car including civil, criminal, administrative, and insurance perspectives.

• Transactions of the Korean Society of Automotive Engineers
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• v.15 no.5
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• pp.72-77
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• 2007

Since 2000, sports utility vehicles(SUVs) occupy about 40% of domestic vehicle sales. As sports utility vehicle sales are increased the probability of crash accident between SUVs and passenger vehicles increases. Generally, SUVs are heavier than passenger vehicles and their drive height and front end stillness are higher than passenger vehicles. Because of these characteristics SUVs cause more severe injury and fatal injury in SUV to passenger vehicle head-on impact. To evaluate SUV's aggessivity to passenger vehicle, we carried out SUV to passenger vehicle head-on crash test. And finally the way how to reduce incompatibility between SUVs and passenger vehicles is suggested.

• The Korean Society of Law and Medicine
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• v.10 no.2
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• pp.287-307
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• 2009

A person is injured in car accident caused by his/her slight negligence except he / she causes accident by his / her willfulness or gross negligence. Because the National Health Insurance Corporation (hereinafter called "Corporation") shall not provide any insurance benefit "when he has intentionally or through gross negligence caused a criminal conduct or intentionally contributed to the occurrence of an accident" referred to in Article 48 (1) 1 of the National Health Insurance Act. So, if he / she is insured by his / her own bodily injury coverage, he / she can be compensated for his / her medical expenses. The injured have the rights to file either National Health Insurance claim and Automobile Insurance claim but there is no clear and definite adjustment clause. The claim disputes between National Health Insurance (hereinafter called "NHI") and Automobile Insurance (hereinafter called "AI") in the own bodily injury coverage makes some problems. Firstly, there are some differences in co-payments which he / she chooses between NHI and AI. Profit per a patient is higher in the NHI than in the AI. Secondly, it can provoke criticism that people shall unnecessarily pay double contributions. Lastly, it can raise moral hazards. For example, if he / she can cover the compensations when the insured receives the compensations from his / her insurer, the Corporation can be claimed by medical care institution payment of the health care benefit costs. In conclusion, first of all, to improve the national health and preserve the insured's rights the Corporation shall keep notice these facts.