• The Korean Society of Law and Medicine
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• v.13 no.1
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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.

• Journal of Families and Better Life
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• v.23 no.6 s.78
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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.

• The Journal of the Korea Contents Association
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• v.11 no.11
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• pp.274-285
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• 2011

This study deals with an analysis into the details of medical treatment and expenses by items of treatment as well as the factors related to the ratio between the medical treatment and expenses for 1583 patients who were hospitalized in and discharged from 2 general hospitals located at a city under the coverage of car insurance during the year 2009. As a result, there was statistically significant difference in the details of medical treatment and expenses by items of treatment as well as their composition ratio depending on the individual characters as sex, age and the number of days staying in hospital. Each medical institution should conduct a close analysis of its patients under the car insurance program as well as the factors related to medical expenses with a view to utilize them as basic data for mapping out plans for effective operation of its organization in consideration of the characters as a medicalinstitution.

• Fire Science and Engineering
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• v.31 no.4
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• pp.119-127
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• 2017

This study analyzed the cause of car explosion that occurred in the riverside park. The car carrying a male driver and a female passenger was parked in the park and explosion occurred inside the car. After the explosion, the driver and the passenger got burned. When they went to the hospital by the 119 Rescue Service, they stated that the car was sprayed with thinner before they had a quarrel and the explosion occurred during their quarrel. However, after several days, they changed their statement. They said that gasoline in the plastic bottle was poured and ran into the cigarette lighter. They tried to pull the cigarette lighter but pushed it by mistake. Then explosion occurred. Because only the explosion by mistake could receive car insurance, whether the cause of explosion was intentional or not became an issue. The car exploded was carefully investigated and analyzed. The statement of the driver and passenger was analyzed in the aspect of fire science. As a result, it was demonstrated that this car explosion occurred by driver's intention.

• Journal of Distribution Science
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• v.15 no.8
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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.

• The Korean Journal of Applied Statistics
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• v.25 no.1
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• pp.101-114
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• 2012

In car insurance, the loss ratio is the ratio of total losses paid out in claims divided by the total earned premiums. In order to minimize the loss to the insurance company, estimating extreme quantiles of loss ratio distribution is necessary because the loss ratio has essential prot and loss information. Like other types of insurance related datasets, the distribution of the loss ratio has heavy-tailed distribution. The Peaks over Threshold(POT) and the Hill estimator are commonly used to estimate extreme quantiles for heavy-tailed distribution. This article compares and analyzes the performances of various kinds of parameter estimating methods by using a simulation and the real loss ratio of car insurance data. In addition, we estimate extreme quantiles using the Hill estimator. As a result, the simulation and the loss ratio data applications demonstrate that the POT method estimates quantiles more accurately than the Hill estimation method in most cases. Moreover, MLE, Zhang, NLS-2 methods show the best performances among the methods of the GPD parameters estimation.

• Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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• v.6 no.12
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• pp.469-481
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• 2016

Freight car accidents occur frequently and have a high mortality. In this reason, freight can insurance fee has been raised drastically. But speeding and overloading of trucks are still not decreased. We need to consider a measure about voluntary safe driving of truck drivers. We select UBI(Usage-Based insurance) as a measure for safe driving of truck drivers. UBI is a car insurance system and insurance fee is flexible. If vehicle drivers drive safely, insurance fee is discounted. The other way, if vehicle drivers drive dangerously, insurance fee is increased. In now, very high insurance fee for truck drivers, UBI is a effective way for leading a truck driver to safe driving. The most important thing in UBI is to evaluate truck driver rationally and accurately. In this paper, we select the reasons of truck accidents and develop driving evaluation model from multiple regression analysis and correlation analysis with accident reasons and truck accidents.

• Transactions of the Korean Society of Automotive Engineers
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• v.19 no.2
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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.

• Journal of Physiology & Pathology in Korean Medicine
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• v.33 no.3
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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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• 2007.02a
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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.