• Title/Summary/Keyword: Car insurance

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Machine Learning-Based Prediction Technology for Medical Treatment Period of Automobile Insurance Accident Patients (머신러닝 기반의 자동차보험 사고 환자의 진료 기간 예측 기술)

  • Kyung-Keun Byun;Doeg-Gyu Lee;Hyung-Dong Lee
    • Convergence Security Journal
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    • v.23 no.1
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    • pp.89-95
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    • 2023
  • In order to help reduce the medical expenses of patients with auto insurance accidents, this study predicted the treatment period, which is the most important factor in the medical expenses of patients in their 40s and 50s, and analyzed the factors affecting the treatment period. To this end, a mechine learning model using five algorithms such as Decision Tree was created, and its performance was compared and analyzed between models. There were three algorithms that showed good performance including Decison Tree, Gradient Boost, and XGBoost. In addition, as a result of analyzing the factors affecting the prediction of the treatment period, the type of hospital, the treatment area, age, and gender were found. Through these studies, easy research methods such as the use of AutoML were presented, and we hope that the results of this study will help policies to reduce medical expenses for automobile insurance accidents.

A Study on Obstacle Factors at the Mutual Access of Towed Trailer of Car-Ferry between Korea and China using Fuzzy-AHP (Fuzzy-AHP를 활용한 한·중 카페리 피견인 트레일러 상호주행 시 장애요인에 관한 연구)

  • Sung, Ki-Deok;Jeon, Jun-Woo;Yeo, Gi-Tae
    • Journal of Navigation and Port Research
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    • v.39 no.6
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    • pp.515-521
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    • 2015
  • The purpose of this study was to analyze the weights of obstacle factors against mutual access of towed trailers of car-ferry between South Korea and China using Fuzzy-AHP. To this end, factors were first selected through literature research and finally selected through in-depth interviews with a group of experts in cargoes who are currently in car-ferry companies. Selected high rank obstacle factors included unstable service provision, limited policy support, and additional costs being incurred and among them, unstable service provision was identified as the most serious obstacle factor through analysis. Eleven measurement variables selected include insufficient supply of container yard, trailer insurance and management issues, insufficient special equipment, insufficient specialized manpower, limited input service courses, insufficient marketing and public relations strategies, and increasing transportation costs and among them, increasing equipment returning costs due to unbalanced cargo gathering were identified as the most serious obstacle factor through analysis followed by limited input service courses, insufficient special equipment, delays in procedures, and occurrence of additional procedures in order of precedence.

An Analysis of Insurance Crimes: The Case of Blackmail in Automobile Accidents (보험사기범죄에 대한 분석 고의 교통사고 유도 - 합의금 요구 사건을 중심으로)

  • Yang, Chae-Yeol
    • 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.

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Perforator Based Tibialis Anterior Segmental Muscle Island Flap in Lower Extremity Reconstruction

  • Byun, Il Hwan;Kwon, Soon Sung;Chung, Seum;Baek, Woo Yeol
    • Archives of Reconstructive Microsurgery
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    • v.25 no.2
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    • pp.69-71
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    • 2016
  • Reconstruction of the lower extremities is difficult due to a lack of skin laxity and muscular tissues. Here, we present a case of lower extremity reconstruction via the anterior tibial artery perforator based segmental muscle island flap. Our patient was a 75-year-old male with a chronic ulcerative wound on the right lower leg from an old car accident. A $5.0{\times}0.5cm$ size ulcerative wound with tibial bone exposure was noted. We planned to reconstruct the lower extremity defect with a free flap, but the vessel status was severely compromised intraoperatively. Thus, we found the anterior tibial artery perforator using Doppler ultrasound, elevated the tibialis anterior muscle segment flap, and transposed it to cover the defect successfully. The flap presented with a nice contour and the skin graft covering the flap survived completely. There were no complications of the surgical site at three months follow-up and no gait morbidity. This is a meaningful case applying the concept of segmental muscle flap based on a perforator that had advantages including proper bulkiness, vascularization, and preservation of function, which were well applied, leading to great success.

Incidences of Lower Extremity Injuries in Korea (국내 하지손상의 발생현황에 대한 분석)

  • Kim, Chang Sun;Choi, Hyuk Joong;Kim, Jai Yong;Shin, Sang Do;Koh, Sang Baek;Lee, Kug Jong;Im, Tai Ho
    • Journal of Trauma and Injury
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    • v.21 no.1
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    • pp.36-45
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    • 2008
  • Purpose: We conducted this retrospective epidemiological study to assess the incidence and severity of lower extremity injuries in Korea Methods: For this study, we retrospectively reviewed nationwide lower-extremity injury data compiled from 2001 to 2003 based on the National Injury Database, what included National Health Insurance Corporation (NHIC), Car Insurance, and Industry Insurance data. Data were standardized in terms of demographic characteristics, region, and socioeconomic status by using NHIC data. To assess the degree of the injuries, we used the Modified Abbreviated Injury Scale (MoAIS), what has been changed from the International Classification of Disease-10 (ICD-10) code. By using the Excess Mortality Ratio-adjusted Injury Severity Score (EMR-ISS), we classified the degree of severity into four categories: mild, moderate, severe and critical. Results: From 2001 to 2003, lower extremity injuries increased slightly, with a yearly average of 2,437,335. Insurance data should that lower-extremity injuries were the most common, followed by upper-extremity injuries. Significant difference were seen in the numbers of lower extremity injuries based on gender and age. As for provinces, Seoul and Gyeongi provinces had the highest numbers of cases. Junlabukdo had the highest rate of 55,282 cases per 1 million people for standardized gender and population. The annual incidence of the insured patients with lower extrimity injuries was higher than the employer's medical insurance contributions to the medical insurance program. Daily cases occur most often in May and June, with the lowest occurrences being in January and February. Conclusion: The result of this study shows that lower extremity injuries comprised common cause of all injuries. In addition, differences associated with gender, location and socioeconomic status were observed. Further studies are needed to find reasons and then this knowledge will allow strategies to prevent the lower extremity injuries.

The Environmental Impact of Automobiles on Sustainable Urban Transportation (자동차가 환경적으로 지속가능한 도시교통에 미치는 영향)

  • Lee, Sang Hoon
    • Journal of Environmental Impact Assessment
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    • v.7 no.1
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    • pp.109-116
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    • 1998
  • As of July 1997, the registered number of automobiles exceeded 10 million and Korean auto industry produced 2,850,000 cars. Many environmentalists warn that the passenger cars are not sustainable urban transportation system in large cities. The cars produce about 80% of air pollutants, and consume 30% of petroleum imported. For the past 30 years the administration increased the road system, but the length of road per car is decreased from 813m in 1965 to 9m in 1995. The cost of traffic congestion was estimated to be \14.7 trillion in 1996, and is feared to increase without changing the present transportation system. The undesirable impact of cars include the casualties from traffic accidents, insurance loss, and separation of human relatioships. To construct sustainable urban transportation system, three principles should be followed. The first principle is to make the urban streets walkable for the people. The second principle is to encourage bicycling. Roads and traffic systems should be designed to let bicylces travel safely. The third principle is to supply more buses and construct integrated transportation system based on buses. The subway system is too expensive to construct and without the support of a well-organized bus system it may not work efficiently. The Brazilian city of Curitiba has constructed a very efficient bus system only with 1/80 of the estimated cost of subway system. The car-oriented transportation system does not seem to be an envrironmentally sustainable transportation system in most of the Korean cities.

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Stildy on the Methodology to Prevent Neck Injury at tow Speed Rear-End Impact (저속 후면 추돌 시 목부상해 예방을 위한 연구)

  • Park Insong;Chun Yongbum;Kim Guanhee;Lim Jonghun
    • 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.

Optimized Design of the Head restraint according the regional seat safety assessment (국가별 좌석 안전성 평가 방법에 따른 머리지지대 최적화 설계)

  • Yoo, Hyukjin;Yim, Jonghyun;Yoon, Ilsung
    • Journal of Auto-vehicle Safety Association
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    • v.5 no.2
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    • pp.45-50
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    • 2013
  • The whiplash Injuries due to rear collision occur frequently. As result, in many countries, seat performance is being assessed and developed to improve head whiplash injury in rear collision of passenger car. This study compares whiplash assessment methods in each country. Using the DFSS(Design for Six Sigma) method, the correlation between influence parameters of head restraints and whiplash injury criteria is analyzed. Four control factors are used in this study. And total 11 whiplash injury criteria from NCAP(New Car Assessment Program) of Korea, Europe, China and IIHS(Insurance Institute for Highway Safety) of USA are used for output response. By the experimental design, L9 orthogonal coordinate system is configured and is tested by sled test equipment, twice. By using average assay value and ANOVA, the correlation between control factors and injury criteria has been comprehended. Optimization design of head restraint according the regional seat safety assessment was derived through the correlation.

An Analysis of the Hazardous Highway Segments Using Continuous Risk Profile Method (고속도로 사고잦은 지점 분석방법 연구)

  • Lee, Soo-Il;Yu, Jun-Seok
    • Journal of the Korean Society of Safety
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    • v.25 no.6
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    • pp.180-185
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    • 2010
  • We have to develop more correct and systematic way to choose Hazardous Highway Segments. In this research, we applied CRP(Continuous Risk Profile) technique which developed by UC Berkeley Traffic Safety Center in year of 2007, and can analyze yearly dangerous level tendency of continuity in the route of main road that is under California Department of Transportation(Caltrans). We changed standard of CRP to suit in Korean circumstance with consideration in radius of curve and traffic volume. For the verification by actual accident data, we embodiment the CRP by using the data from total of 587 case of accident in latest 10 years in Gyeong-Bu Highways, the amount of 56km. Finally, the effectiveness of technique in this research has been verified by obtained same result with current method for Hazardous Highway Segments. In addition, when calculating the Hazardous Highway Segments with technique that presented in this research we obtained following statements. First, identified dangerous level of continuity in the route by using CRP. Second, Accurate of Actual Hazardous Highway Segments selection has been developed by using last 10 year's data and profile making which provide simplicity analyze of Tendency. Third, after reforming the way of selection, effective range has been wider than former selection and it gives advantage for the policy side.

A Study on Damage Assessment for Fuel Cell Facilities in Gas Stations (주유소 내 연료전지설비에 대한 사고피해예측 연구)

  • Sung Yoon Lim;Jang Choon Lee;Jae Hoon Lee;Seung Ho Choi
    • Journal of Korean Society of Disaster and Security
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    • v.16 no.1
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    • pp.71-80
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    • 2023
  • Fuel cells are low-carbon power sources that can expand distributed energy system and electric vehicle charging infrastructure when installing fuel cells in gas stations. In order to ensure safety for fuel cells in gas stations, quantitative risk assessments were conducted after deriving accident scenarios based on accident data of domestic and foreign gas stations and fuel cells. It calculates the expected extent of damage from fire and explosion that can occur in reality, not the worst accident scenario, and analyzes the damage impact. The separation distance of more than 9.0 m from a dispenser, 15.5 m from a car under refueling, 4.1 m from the ventilation pipe, 1.1 m from the gas adjustment device prevent the severe damage caused by the expected accident. This study result can be used to deploy fuel cells in gas stations and establish safety measures.