자동차사고 보험처리에서 손해사정사에 의한 과실률 결정요인에 관한 연구

Abstract

In insurance settlement of the automobile accidents, the determination of the fault rate is the most difficult part. Since the insurance money or insurance premium depends on the fault rate, both parties are very sensitive to the determination of fault. To reduce the possibility of conflict, insurance adjusters decide the fault rate in Korea. This thesis summarizes the process of insurance settlement and examine the role of adjusters in the process. It also tries to find the factors that determine the percentage of fault in car accidents. The main focus of this thesis is to investigates whether any bias exists for or against a specific group of drivers. The following results are obtained using survey data from insurance adjusters. First, the most important determinant of the fault is whether the driver violates any traffic law. Sex, age and the experience of the driver in years, which are generally known as major determinants, lose their significance when the traffic violation variable is included. Secondly, contrary to the findings with the U. S. data that bias exists against youth, female and old drivers, we find biases favoring old and rural resident drivers. Finally, we find that drivers holding policies from major insurance companies tend to less at fault. It may show that major insurance companies have better negotiation skills. However, these biases are not symmetrically observed for both claimant and defendant drivers. Therefore, the evidence should be interpreted as possibilities rather than proof of the existence of biases.