In the future, you will not be able to receive insurance in case of unlicensed or drunk driving accidents.

# In September of last year, A drunk driving on a road near Eulwangri Beach in Jung-gu, Incheon, invaded the Jungang Line and struck a two-wheeled vehicle from the opposite side. Mr. B, a motorcycle driver who delivered chicken, died on the spot. Afterwards, 270 million won in insurance was paid to Mr. B, but the accident burden borne by Mr. A was only 3 million won.

# Mr. A committed a predicted left turn departure (signal violation) at a yellow light while driving a van, and collided with Mr. B’s large freight car who was entering an intersection at a red light (signal violation). Mr. A’s fault was 40%, which was less than that of the other party. However, the repair cost for Mr. B’s vehicle paid by Mr. A’s insurance company was 13.32 million won, and the repair cost of Mr. A’s vehicle paid by Mr. B’s insurance company was 4.79 million won, which is less than half of Mr. B’s.

In the future, in the event of such a drunk driving, unlicensed, hit-and-run accident, the perpetrator’s responsibility for the serious violation of the traffic accident will be strengthened.

The Ministry of Land, Infrastructure and Transport announced on the 29th that it will discover and implement improvements to the auto insurance system to induce the reduction of traffic accidents as part of the follow-up measure of the 2021 Traffic Accident Death Reduction Measures announced by the relevant ministries on the 25th.

First, for drunk driving, unlicensed, hit-and-run accidents, we will promote the full amount of insurance money.

The so-called’accident charge’, which allows the insurance company to conceive of a portion of the insurance money paid to the victim to the perpetrator, has been greatly strengthened. Accident burden is a system introduced and operated to raise awareness of serious violations of laws and to prevent accidents. Last year, the upper limit of accident burdens for drunk driving was increased (increase the compulsory insurance concept: KRW 3 million for adults → KRW 10 million, and KRW 1 million for objects → 5 million won, a new voluntary insurance scheme, 100 million won per person, 50 million won per person).

In addition,’drug/drug driving’ will be added to the target of the current accident burden, and measures to prevent the perpetrator’s car repair cost from claiming (substituting) the other party in case of 12 serious negligence accidents are also being promoted.

The 12 major negligences under the’Special Act on Traffic Accident Handling’ are ▲ traffic violations ▲ central line violations ▲ speed violations ▲ passing violations ▲ crosswalk violations ▲ crosswalk violations ▲ unlicensed ▲ drinking ▲ sidewalk violations ▲ opening departures ▲ school zone violations ▲ cargo lock violations There is this.

In the case of vehicle-to-vehicle accidents, the responsibility for property damage has been shared according to the ratio of negligence, but there is a problem that the victim has to compensate for the repair cost of the other vehicle even with the other’s obvious negligence, such as drunk driving. Sometimes, there has been a controversy over the unfairness of car repair costs, such as a problem in which the amount that the victim has to compensate for is larger (in case the abused vehicle is a luxury vehicle).

“This improvement of the automobile insurance system was designed to prevent traffic accidents by raising the responsibility of drivers for serious negligence such as drunk driving,” said Kim Jeong-hee, motor vehicle policy officer of the Ministry of Land, Infrastructure and Transport. “We plan to continuously discover and promote improvement measures that can contribute to the reduction of traffic accidents.”

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