자동차보험 대인배상 보험금 지급 개선방안 - 경상환자치료비와 관련하여 -

Abstract

Automobile insurance personal compensation injury insurance continues to increase due to an increase in the number of sick people and an increase in treatment costs and settlements. Auto insurance has become an essential insurance for people's daily lives, with more than 23 million subscribers since it was mandatory to sign up in 1963. Along with the increase in insurance money, complaints about the appropriateness of treatment and settlement payments for minor patients are also increasing. Casual patients, who are victims, are asking for verification of physical injuries, complaining that they are suspected of insurance frauds such as Nylon patients, and complaints from perpetrators about the adequacy of treatment costs and settlements are also increasing. As recently proposed auto insurance improvement measures, "mandatory medical certificates for long-term treatment of minor patients" and "issuance of medical certificates even for patients who need to receive treatment for more than four weeks" can be evaluated as meaningful improvements to prevent minor accidents and a gradual increase in minor patients. This is a measure to prevent excessive treatment through judgment on the objective treatment period. However, it is questionable whether these measures can resolve all complaints about personal compensation. Considering these aspects, it would be reasonable to explicitly introduce treatment procedures for minor patients in the Enforcement Decree of the Self-Defense Act. In this paper, the causes and complaints of the increase in personal compensation insurance are analyzed, the judgments of the lower court are analyzed, and improvement measures are proposed.