자율주행자동차 보험사기에 관한 고찰

Abstract

Currently, auto insurance fraud is increasing every year, and there are many types of auto insurance fraud. In the coming 2020-2040, autonomous vehicles will enter the era of commercialization. Unlike existing automobiles, autonomous vehicles are autonomously driven by themselves, directly or indirectly involved in the operation of software, the most advanced IT technology. Therefore, in the autonomous mobile automobile era, it is predicted that the insurance company will disappear with the decrease of traffic accidents. But I would like to question the prospect that autonomous vehicle insurance will disappear. It is predicted that the insurance period will occur through software hacking of so-called autonomous vehicles. This occurs in a form different from the current insurance period, with the hacker as the mediator. Such autonomous car insurance fraud is done through software hacking, so it may be difficult to prove insurance fraud if there is no specialized or organized investigation or investigation agency. According to the related report, the insurance fraud of one autonomous vehicle is expected to worsen the finances of the insurance company more than the insurance fraud of the existing ones. It is pointed out that it is possible to neglect the protection of the victim because the insurance money may be delayed rather than the existing car accident due to unclear cause of autonomous driving car accident. As a legislative policy alternative, there is a suggestion that a No Fault insurance system should be introduced to protect victims of autonomous car accidents. There is also the abuse that the Nofort insurance system for protecting victims of multiple good will be easily paid to self-driving car insurance fraudsters. Therefore, what should be preceded by the introduction of the Nofolt insurance system is the personnel and system that can investigate and investigate the hacker, which is the mediator of software hacking. Lastly, in order to prove the future autonomous car insurance fraud, I think it is necessary to train specialized and organized high-tech specialists in related organizations. In the future, the insurance company and the product liability company think that it is efficient to detect insurance fraud by unifying, organizing, speeding up, advanced investigation, and investigating autonomous driving car insurance fraud. I also think that the waste of social expenses that are paid by insurance fraud can be saved.