In the future, you will not be able to receive accident insurance for driving without a license or while intoxicated.

# In September last year, a drunk driver on a road near Eulwangri Beach in Jung-gu, Incheon, invaded the Jungang Line and struck a two-wheeler from the opposite side. Mr. B, a motorcycle driver who delivered chicken, was killed on the spot. Subsequently, 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 planned left turn exit (signal violation) at a yellow light while driving a pickup truck and collided with Mr. B’s large freight car that was entering an intersection at a stoplight in red (signal violation). Mr. A’s fault was 40%, which was less than that of the other party. However, Mr. B’s vehicle repair cost paid by Mr. A’s insurance company was 13.32 million won, and Mr. A’s vehicle repair cost paid by Mr. A’s insurance company. Mr. B was 4.79 million won, which is less than half the cost of Mr.. B’s.

In the future, in the event of a hit-and-run accident due to drunk driving, without a license, the responsibility of the perpetrator for the serious violation of the traffic accident will be strengthened.

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

First of all, 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 a portion of the insurance money paid to the victim to the perpetrator, has been considerably strengthened. The accident charge is a system introduced and operated to publicize serious infractions of the laws and prevent accidents. Last year, the upper limit for drunk driving accident charges was increased (the mandatory insurance plan setting increased: 3 million won for adults → 10 million won, 1 million won for objects → 5 million won, a new voluntary insurance plan, 100 million won per person, 50 million won per person).

Additionally, ‘drugs / drug driving’ is added to the current accident burden target, and a plan is also being promoted to prevent the other party from claiming (substituting) the perpetrator’s car repair cost in the event of 12 accidents for gross negligence.

The 12 major negligence under the ‘Special Law on Traffic Accident Management’ are: ▲ traffic violations ▲ center line violations ▲ speed violations ▲ crossing violations ▲ crosswalk violations ▲ crosswalk violations ▲ no license ▲ drinking ▲ curb infractions ▲ opening exits ▲ school zone infractions ▲ loading lock infractions There is this.

In the case of vehicle-to-vehicle accidents, the responsibility for property damage has been shared according to the negligence ratio, but there is a problem that the victim has to compensate the cost of repairing the other vehicle even with the obvious of the other. negligence, such as driving while intoxicated. At times, there has been a controversy over the injustice of car repair costs, such as a problem in which the amount to be compensated by the victim is higher (in case the offender is a luxury vehicle).

“This improvement to the auto insurance system was designed to prevent traffic accidents by increasing the liability of drivers for gross negligence, such as driving while intoxicated,” said Kim Jeong-hee, auto policy officer at the Ministry of Lands, Infrastructure and Transportation. “We plan to continuously discover and promote improvement measures that can contribute to the reduction of traffic accidents.”

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