• 한국안전학회지
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• 제34권1호
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• pp.115-121
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• 2019

Background: Due to the diversification and advancement of research, researchers have become to deal with a variety of chemical and biological harmful materials in the laboratories of universities and research institutes and the risk has increased as well. Therefore, it is necessary to strengthen the social safety net for laboratory accidents by strengthening the compensation to the level comparable to that of Korean Workers' Compensation & Welfare Service, when the researchers become physically disabled by laboratory accidents. The purpose of this study is to secure researchers' health rights and to create a research environment where researchers can work with confidence by strengthening the compensation to the level comparable to that of Korean Workers' Compensation & Welfare Service. Method: We analyzed the laboratory accidents by year, injury type, severity of accident and disability grade with the 6 year data from 2011 to 2016, provided by Laboratory Safety Insurance. Based on the analysis result, we predicted the financial impact on Laboratory Safety Insurance if we introduce a compensation annuity by disability grade which is similar to Injury-Disease Compensation Annuity of Korean Workers' Compensation & Welfare Service. Result :As of 2011, the insured number of Laboratory Safety Insurance was approximately 700,000. The Average premium per insured was KRW 3,339 and there were 158 claims. Total claim amount was KRW 130 million, whereas the premium was about KRW 2.3 billion. The loss ratio was very low at 5.75%. If we introduce a compensation annuity by disability grade similar to Injury-Disease Compensation Annuity of Korean Workers' Compensation & Welfare Service, the expected benefit amount for 1 case of disability grade 1 would be KRW 1.6 billion, assuming 2% of interest rate. Given current premium, the loss ratio, the ratio of premium income to claim payment, is expected 41.4% in 2017 and 151.6% in 2026. The increased loss ratio due to the introduce of the compensation annuity by disability grade is estimated to be 11.0% in 2017 and 40.4% in 2026. Conclusion: Currently, laboratories can purchase insurance companies' laboratory safety insurance that meets the standards prescribed by Act on the Establishment of Safe Laboratory Environment. However, if a compensation annuity is introduced, it would be difficult for insurance companies to operate the laboratory safety insurance due to financial losses from a large-scale accident. Therefore, it is desirable that one or designated entities operate laboratory safety insurance. We think that it is more desirable for laboratory safety insurance to be operated by a public entity rather than private entities.

• 해양환경안전학회지
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• 제16권1호
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• pp.65-69
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• 2010

선박에서 발생하는 각종 사고의 처리와 손해배상은 선박보험료에 영향을 미치게 되므로, 해양사고와 선박보험료와 증감은 선박의 국제안전관리규약(ISM Code) 도입의 효과를 측정하는 직접적인 평가척도가 될 수 있다. 따라서 본 연구에서는 ISM Code 국내도입 1년 전에서부터 도입 후 8년 동안에 변화하는 해양사고 및 선박보험요율의 분석을 통해, ISM 시행에 따른 성과를 파악하였다. 해양사고는 ISM 이행 1년 전에 비해 ISM 이행 8년차에는 약 14.4%가 감소하였고, 보험율도 감소하는 경향을 나타내었다.

• 대한토목학회논문집
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• 제39권4호
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• pp.505-512
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• 2019

본 연구는 트램의 사고분석과 사고보상 체계를 검토하여 국내 도입이 추진되고 있는 트램의 안전대책 마련을 위한 기초연구이다. 트램의 사고특성 분석은 해외자료를 기반으로 분석하였다. 트램 도입 후 5년이 지난 시점부터 사고가 절반으로 감소하여 안정화 되었고, 사망사고는 전체 사상자의 0.5 %이고 대부분 경미사고로 나타났다. 또한, 타 이동수단과의 충돌사고가 84.1 %로 대부분을 차지하며, 그 중 승용차와 사고빈도가 가장 높게 분석되었다. 사고 잦은 지점은 교차로와 정류장으로 분석되었고, 특히 보행자사고에 대한 대책이 중요하게 나타났다. 트램의 사고특성을 토대로 정책적 차원의 안전대책을 제시하면, 트램 개통 후 5년 내 사고 모니터링 집중시기 설정, 교통사고 DB관리를 위한 입력체계 개발, 정류장 주변 무단횡단 방지 펜스 설치, 보행신호와 트램신호 연계를 통한 무단횡단 방지 신호 운영, 교차로 불법유턴 차량 및 보행자 무단횡단 집중단속 등이 필요한 것으로 나타났다. 또한, 일반운전자의 수용도 조사와 해외사례를 토대로 트램의 사고처리 시 가장 중요하게 고려되어야 할 대책을 제시하면, 자동차보험의 대물 보상한도 문제와 트램과 차량 사고 시 과실제도 마련으로 나타났다.

• 한국건축시공학회:학술대회논문집
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• 한국건축시공학회 2015년도 추계 학술논문 발표대회
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• pp.60-61
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• 2015

In recent years, the accidents in construction projects are continuously increasing due to their complexity and variety. However, few studies have been conducted regarding the risk prediction model and the database of risk assessment in construction projects. To address of these issues, the objective of this study is to analyze the accident causes by using insured claim payouts of insurance companies. First, the descriptive analysis of accidents causes is conducted according to scheduling rate, season, and total construction costs. Second, the correlation analysis is conducted between accidents causes and total construction costs. In the future, the risk assessment model can be developed to quantify the accident causes in construction projects to estimate claim payouts of insurance companies.

• 무역상무연구
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• 제41권
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• pp.185-202
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• 2009

With the rapid development of oil and chemical industry in the late 20C, massive transportation of oil by oil tanker vessel has grown and it caused the big oil pollution accidents. When oil spill from the oil tanker, damages reach into the astronomical figures in economically and damages affect wide area and many people with break the balance of ecosystem. Recently in Korea, the oil pollution accidents has occurred frequently as growing of oil consumption and it caused large-scale damages to the victim. Oil pollution in Korea offshore takes not only Korean fisherman from their life ground and break the ecosystem but it takes too much time and money to recover. To minimize oil pollution damages, it is necessary to make pre-caution effort as a ship owner and relevant government bodies should endeavor to prevent from more damages. But once oil pollution accidents occurs in territorial sea, compensation for victim is very important. But it is true that compensation is not paid to victim smoothly. So this study aims at the problems of oil pollution compensation to the Korean victim and find the best way to get reasonable compensation.

• 한국방재안전학회논문집
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• 제5권1호
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• pp.1-6
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• 2012

본 연구는 국내 건설산업에 종사하는 근로자에 대하여 재해율이 가장 높은 추락재해에 대한 직접비용을 분석하였다. 첫째, 건설업에서 추락재해로 인한 1인 평균 보험급여 지급액은 18,971천원 정도이다. 10년 동안 평균 추락재해자 수가 5,863명 일 때 추락재해로 인한 전체 손실 비용은 1,113억6천만원 정도이다. 둘째, 추락재해 비구조적 예방대책으로 비용중심의 경제성을 분석하였다, 예방대책에 대한 비용과 효과를 화폐가치로 표현한 자료가 없기 때문에 추락재해로 인한 재해손실 비용 금액을 새롭게 도입한 예방대책이 얼마나 감소시킬 수 있는가에 초점을 두면서 경제성 분석을 시도하였다. 셋째, 재해손실 규모를 파악하고 아울러 추락재해 원인에 대한 예방대책을 발굴하여 철저하게 시행한다면 재해손실 비용을 줄일 수 있는 가를 파악할 수 있다. 향후 비용중심 접근방법에서 본 재해손실 비용의 감소를 편익으로 추정할 수 있는 연구가 필요하다.

• 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.

• 보건의료산업학회지
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• 제9권1호
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• pp.57-66
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• 2015

This study was performed to provide efficient fund managing plans for hospitals by looking into the management of medical fees for accident insurance. Car insurance, industrial accident insurance and seamen's insurance at a general hospital which is located in Busan during 29 months from January 1, 2009 to May 31, 2011 were assessed. The research data is the total number of 6,293 cases, including 2,251 car insurance cases, 2,350 industrial accident insurance cases, and 1,692 seamen's insurance cases. There were some significant differences found, as car insurance and seamen's insurance, including accident insurance, are types of insurance for which employers or traffic accidents offenders shall be the final premium payer. In addition, medical examination fees or premium payers are applied under their respective related laws. The findings suggest that it is necessary for managers of hospitals to prepare differentiated management schemes based on the characteristics of each insurer and schemes to ensure proper recovery strategies of uncollected medical account receivables.

• 한국중재학회지:중재연구
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• 제24권2호
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• pp.81-107
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• 2014

ADR has recently been expanded, making it possible to solve traffic accident disputes, which is a matter of urgency for parties to avoid. This point serves as an important procedural element. Such disputes are an area that requires a quick resolution. To try to solve any dispute that occurs in the complex environment of modern times one-by-one through litigation does not make sense. It gives an undue burden on the judicial body and the investigation agency. Like litigation, today's arbitration system, should have effective conflict resolution. The arbitration of automobile traffic accident disputes can be seen as roughly adjusted through the insurance company, the Dispute Coordinating Committee, and the Crime Victims Protection Act. It consists of experts mainly, and the resolution of automobile traffic accident disputes can be resolved through the Sajonsa and workers insurance company. However, adjustments to failure incident mostly need attention. Most of a company's compensation insurance indemnity needs to be processed in practice. In addition, a vicious cycle of litigation and delay period is repeated if a lawyer is appointed. There are unreasonable adjustment systems in the midst of these. Avoiding traffic accidents allows parties to resolve disputes better. Arbitration of disputes in automobile traffic accidents handled by arbitration institutions is desirable. It is determined that the handling of a case by a village attorney is efficient.

• 대한안전경영과학회지
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• 제9권3호
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• pp.29-40
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• 2007

The state and its proper countermeasures of unreported industrial accidents in Gyungbuk area was investigated throughout a survey research. The goal of the study was to identify major factors that affect the number and causes of unreported accidents. Results from the survey indicated that significant number of unreported accidents exists especially in the small and medium sized industries. Types of the accidents, amount of increase in the insurance cost and level of the governmental enforcement due to the accidents were the major factors for deciding whether to report or not. These results suggested more compromising actions have to be taken by the government for revealing the present but unreported industrial accidents. A more efficient way for preventing the industrial accidents can be considered on the basis of true understanding about real industrial accident statistics.