[코로나 1년] Dangerous sprinting in’untact boom’… Deliverymen running without insurance

Enter 2021.01.19 15:00

After the coronavirus outbreak, the delivery market has grown rapidly as the number of people who ordered food at home has increased significantly. Along with this, the number of delivery accidents has increased, but there are still many delivery workers who are not insured, leading to safety issues.

On the 19th, an official from Rider Union, a labor union for delivery workers, said, “The rate of subscriptions to comprehensive insurance for motorcycles (two-wheeled vehicles) are still low. I will hold it intact,” he said.

The biggest problem is that it is difficult to compensate the victims injured in the accident when delivery workers who are not insured have an accident. Since the delivery person, who is a special employee worker, is in the status of a private business, the victim cannot hold the employer of the delivery agency instead of the delivery person for compensation such as treatment expenses under civil law. There is virtually no way for victims to receive compensation if the deliveryman cannot afford to pay the compensation.

Hae-do Song said, “If the delivery person is injured, you can use it if you have industrial accident insurance, but there are many cases where it is difficult for victims to be compensated for medical expenses, etc.”

According to the Korea Insurance Development Institute, the total number of motorcycles insured for paid transportation and delivery is 24,720. Only 1% of the total number of motorcycles registered (2.24 million units) is covered by comprehensive paid insurance.

The drop in the insurance coverage rate of delivery workers is due to the premium burden. According to the delivery industry, you usually have to pay an annual premium of 3 million to 4 million won to get paid comprehensive insurance. In the case of a large number of accidents, insurance premiums may increase to 10 million won per year. The reason why the paid comprehensive insurance premiums for motorcycles for paid transportation and delivery are set high is that the accident rate during delivery is high.

This premium is not obligated to be borne by the delivery agency or delivery platform company. It is 100% of the individual delivery person.

Mr. Kim Mo (43), a delivery worker with 7 years of experience, said, “Delivery workers are too burdened to pay insurance premiums of several million won each year, so they cannot sign up.” There are many cases,” he said.

According to the Korea Insurance Development Institute, the number of motorcycle household insurance is about 820,000 units. The average annual premium is 142,000 won. Home insurance is a product that compensates for damages in the event of an accident while commuting or using a motorcycle for private purposes.

The problem is that motorcycle home insurance is an insurance that has nothing to do with delivery. In order to receive insurance coverage for home motorcycle insurance, some of the delivery workers in the accident claim that it is not an accident during the delivery business, and are often criminally charged as’insurance fraud’.

Police officials warn that it is an insurance scam if you lie to claim your motorcycle home insurance premium, such as “I was injured while traveling or commuting to meet an acquaintance.”

There are also many delivery workers who have accidents while carrying out delivery work without insurance and suffer from criminal liability issues. Even if the victim is injured in the event of a traffic accident, if the victim is injured in a motorcycle insurance, if it does not fall under gross negligence, they are not subject to criminal penalties, but uninsured delivery personnel cannot avoid criminal liability.

Park Mo (38), who works for a delivery agency in Daegu, said, “There was a case where an acquaintance had an accident during delivery without insurance, and the victim did not agree to it,” he said. I can do it, but I am delivering it with an impatient heart,” he said.