• 의료법학
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• 제13권1호
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• pp.11-40
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• 2012

National Health Insurance Act has been enforced all over the People as part of the effort to assure the minimum constitutional human worth and dignity in the aspect of the right to pursue health for preventing misfortune that comes to death without even a chance to be received treatment for illness or injury. Meanwhile auto insurance is compulsory in certain parts in order to promote benefits of everyday life and the rapid recovery of the damage caused by traffic accident when one have negligently driven a car which has become the necessities in daily life. Any injured driver in a traffic accident can be treated by National Health Insurance without getting an auto insurance in various circumstances, but Article 3 paragraph 2 of Traffic Accident Act don't allow exception of criminal punishment when he has driven a car without license, drunken, or tresspassing the centerline, etc. When the injury occured by his own certain negligence is judged to 'when he has intentionally or through gross negligence caused a criminal conduct or intentionally contributed to the occurrence of an accident' of National Health Insurance Act, insurance benefits can be restricted. Such a restriction could harm the right to pursue happiness and health of People by depriving the poor, who cannot afford to pay, of chances to get treatment. Here we will see benefit restriction by 'gross negligence' of National Health Insurance Act Article 48 paragraph 1, which has largest portion of such restriction. It is desirable to delete 'gross negligence' clause from above paragraph and to interpret 'when' clause restrictively for diminishing confusion of interpreting and guaranteeing the right of health.

• 가정과삶의질연구
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• 제23권6호
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• pp.133-144
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• 2005

The Objective of this study was to investigate the consumer attitude and purchase willingness of internet insurance. Data were collected from 412 adult consumers who had bought car insurance at least once. Results showed that respondents have positive as well as negative attitude toward internet insurance. The best thing of internet insurance seems tn be the low rate of insurance premium while the worst thing seems to be the risk of personal information disclosure. However, about two thirds of respondents answered that they were willing to purchase internet insurance if the insurance premium were discounted more than $25\%$ of what they paid offline. The more consumer attitude was positive, the more consumers were willing to purchase internet insurance. In general, consumer attitude and purchase willingness of internet insurance vary with consumers' demographic and socio-economic characteristics.

• 한국콘텐츠학회논문지
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• 제11권11호
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• pp.274-285
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• 2011

본 연구는 일개 시지역에 소재한 병원급 의료기관 2개에서 2009년 한 해 동안 교통사고로 입원진료를 받은 후 퇴원한 자동차보험 환자 중 1,583명을 대상으로 진료현황과 진료내역별 진료비, 진료비 비율의 특성을 분석하였다. 분석결과 자동차보험 입원환자는 남자가 많았고, 연령은 성인기 연령층이 많았으며, 재원일수는 4~7일이 가장 많았다. 진료현황과 진료내역별 진료비, 그리고 총진료비 중 진료내역별 진료비가 차지하는 비율은 성별, 연령, 재원일수에 따라 각각 통계적으로 유의한 차이를 보였다. 특히 진료내역별 진료비는 주로 여성의 진료비가 높았고, 60대 이상의 고연령층과 재원일수가 길수록 각 진료내역별 진료비가 높았다. 따라서 각 의료기관은 연령층에 따른 효율적 진료방안을 마련하여 재원일수의 단축을 위해 노력하고, 특히 고연령층에 대한 진료패턴 파악과 신체적 정신적 상태, 중증도 등을 고려한 적정진료를 제공함으로써 진료의 효율성을 제고해야 할 것이다.

• 한국화재소방학회논문지
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• 제31권4호
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• pp.119-127
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• 2017

이 논문에서는 운전자(남)와 동승자(여)가 탑승하여 하천 둔치의 공원에 정차 중 차실 내에서 폭발사고가 발생한 승용차에 대해 폭발사고 원인을 분석하였다. 폭발사고가 발생한 직후 운전자와 동승자가 화상을 입고 119구급대에 의해 병원에 이송될 때는 119구급대원에게 시너를 뿌려놓은 상태에서 운전자와 동승자가 다투는 중에 폭발사고가 발생하였다고 진술하였는데, 며칠 경과한 후부터 운전자와 동승자는 플라스틱 병 속에 들어 있던 휘발유가 엎질러져 시거 잭으로 흘러들어가서 시거 잭을 빼려다가 시거 잭을 실수로 눌러서 폭발사고가 발생하였다고 주장하였다. 실수로 인해 폭발사고가 발생하였다면 자동차보험금을 지급받을 수 있고 고의에 의해 폭발사고가 발생하였다면 보험금 지급이 안되므로 폭발사고의 원인이 고의에 의한 것인가 실수에 의한 것인지가 쟁점이 되었다. 폭발한 승용차에 대한 구체적인 조사 분석과 운전자 및 동승자의 진술에 대한 화재과학적 분석을 통해 이 자동차 폭발사고는 운전자의 고의에 의해 발생한 것임을 입증하였다.

• 유통과학연구
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• 제15권8호
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• pp.29-36
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• 2017

Purpose - This paper proposes some ideas with a view to reducing any possible accidents caused by unlicensed drivers and an illegal use of other's name, particularly by teenagers in consideration of easy and simple instruction on smartphone with very weak and mere consciousness on auto life. Research design, data, and methodology - This study analyzes some accident cases between cargo trucks and rental cars in South Korea, and unlicensed vehicle with unlicensed drivers who use rental cars collided with cargo trucks which were loaded a lot of goods to be delivered to buyer designated. In order to fulfill this research, a case study accompanied with literature survey was conducted. Ideal suggestion for the right growth on rental car industry will be realized by legislation of the law. Results - This paper classified bodily injury of the victim, property damage and damaged cargo arising out of the unlicensed who is driving on car sharing service in South Korea. Conclusions - For the purpose of reducing cargo accidents caused by unlicensed drivers and an illegal use of other's name particularly by teenagers, this paper proposes some ideas of Amendment of the law, Paradigm shift of car sharing company, Preparation by association side and Technical Complementary Measures in South Korea.

• 응용통계연구
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• 제25권1호
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• pp.101-114
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• 2012

자동차보험의 손해율이란 지급보험금의 수입보험료에 대한 비율을 의미한다. 손해율이 매우 큰 값을 갖는 대형손실이 일어나는 경우에는 보험회사의 재무적인 부분에 큰 악영향을 미치게 된다. 따라서 보험회사가 이에 대비할 수 있도록 하기 위하여 손해율의 극단 분위수(extreme quantile)를 추정하는 것은 매우 중요한 일이다. 다른 종류의 보험 관련 데이터와 같이 손해율의 분포는 오른쪽으로 긴 꼬리를 갖는 두꺼운 꼬리분포(heavy-tailed distribution)를 갖는다. 이런 자료에서 극단 분위수룰 추정하기 위하여 가장 많이 사용되는 방법론은 POT(Peaks over threshold)와 Hill 추정(Hill estimation)이다. 본 논문에서는 일반화파레토분포(generalized Pareto distribution; GPD)의 다양한 모수추정방법론의 성능을 모의실험과 실제 손해율 데이터를 사용하여 비교, 분석하였다. 또한 Hill 추정치를 사용하여 극단 분위수를 추정하였다. 그 결과 대부분의 경우에 POT 방법론이 Hill 추정치를 이용한 방법보다 정확한 분위수를 추정하였고, 모수추정방법론 중에서는 MLE, Zhang, NLS-2 방법론이 가장 좋은 결과를 보여주었다.

• 예술인문사회 융합 멀티미디어 논문지
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• 제6권12호
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• pp.469-481
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• 2016

화물자동차 사고는 전체 교통사고의 약 12.64%를 차지하고 있다. 특히 화물자동차의 경우 사고 발생 시 피해규모가 크며 사망률도 매우 높다. 이러한 이유로 2012년도에 화물차 보험료는 대폭 인상되었고 화물자동차 운전자들의 부담이 매우 높은 실정이지만, 화물자동차의 과속, 과적 등은 줄어들고 있지 않는 추세이다. 화물자동차 운전자들이 자발적으로 안전운전을 할 수 있도록 대책을 강구하여야 한다. 본 연구에서는 현재 화물자동차 운전자들이 자발적으로 안전운전을 할 수 있는 방법 중 하나로 Usage-Based Insurance(UBI)를 선정하였다. UBI란 운전자가 안전운전을 할수록 보험료를 할인하는 제도로 화물차 운전자들이 안전운전을 하는 동시에 보험료 부담을 줄일 수 있을 것으로 기대된다. UBI를 도입하기 위해 가장 중요한 것은 운전자들의 운행 평가를 하는 방법이다. 운전자들의 운행 평가를 통해 보험료 할인/할증률을 결정할 수 있고, 합리적으로 운행 평가를 실시하여야 운전자들이 납득 할 수 있기 때문이다. 최종적으로 본 연구에서는 화물자동차의 주요 사고 원인을 규명한 뒤 각각의 사고 원인들과 사고와의 상관분석 및 다중회귀분석을 통해 운행평가모델을 구축하고자 한다.

• 한국자동차공학회논문집
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• 제19권2호
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• pp.12-19
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• 2011

Real-world accident cases were investigated to understand injury characteristics of the elderly driver. A total 10 cases of car-to-car frontal crash accidents from passenger car including SUV claimed to domestic car insurance company were reviewed. The injury characteristics of the elderly were analyzed from personal information (gender, age), medical treatment record (medical certificate, curative days), vehicle information (model, air-bag, seatbelt) and damage information. This study showed that elderly driver has higher possibility of thorax injury than non-elderly's. Moreover, Injury type and severity were more severe than non-elderly driver at similar type accident conditions. Also, elderly driver's medical treatment period needs 3 times more than non-elderly driver's.

• 동의생리병리학회지
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• 제33권3호
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• pp.181-190
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• 2019

In South Korea, traffic accident patients can be treated under automobile insurance coverage. This study investigated the status of Korean medicine (KM) Automobile insurance system and usage status of main pharmacopuncture in KM clinic which reported that the largest number of automobile insurance fee claims among medical institutions. We surveyed 258 traffic accident patients who were treated at Namsangcheon KM clinic from 2014 to 2018 according to medical chart. The majority of the patients were male and thirties. In traffic accident situation, the highest distribution was car to car crash with 85.66% and 66.67% of the patients visited in the most acute phase. The most frequent treatment period was within 4 weeks and the number of treatments was 10 or less with 72.87%. In total results of treatment, the distribution was exellent with 10.08%, good with 46.90%, fair with 27.13% and poor with 15.89%, and the effective rate was 84.11%. The most frequent treatment period was within 4 weeks with 64.73% and the number of treatments was 10 or less with 72.87%. Of the 242 patients who received pharmacopunture, 91.5% were treated with HO, which was named after Honghwaja and TA, which was named after traffic accidents, and there were significant differences in the number of treatments and symptom improvement between the two groups. In this study, we confirmed the status of automobile insurance treatment and usage of main pharmacopuncture of single KM clinic with symptom improvement. This study can be regarded as one of the basis of KM treatment for the rapidly growing automobile insurance market.

• 한국방재학회:학술대회논문집
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• 한국방재학회 2007년도 정기총회 및 학술발표대회
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• pp.462-467
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• 2007

Recently, in Korea vehicle market, the proportion of SUV is increasing. However Korea SINCAP(Side Impact New Car Assessment Program) doesn't reflect this circumstance. This paper focused on improvement of Korea SINCAP by comparing IIHS(Insurance Institute of Highway Safety) side impact test protocol with Korea SINCAP.