사진 확대

Amid growing interest in auto insurance ahead of the implementation of an eight-week rule that will reduce over-treatment of current patients after auto insurance premiums were raised for the first time in five years this year, subscribers are constantly curious about the premium premium.

The "major casebook of non-life insurance consumer counseling" published earlier by the Non-life Insurance Association included related details such as a premium for automobile insurance due to an accident.

According to major counseling, A had a car accident last year and handled his own car. Mr. A said he knew there was no premium within the limit of 2 million won. However, this year's auto insurance renewal period came, and I received a call from the insurance company that the premium increased by more than 30% compared to last year. Mr. A asked if it was correct that insurance premiums increased a lot even though he had been accident-free for 10 years and processed insurance only once within the limit of the property.

In response, the association explained that if the standard amount for the surcharge for material accidents was 2 million won, the insurance for the own car was less than that, so it was only 0.5 points, so there was no surcharge due to the accident. It was also pointed out that the surcharge for the number of accidents is determined by the number of accumulated accidents in the relevant year and the past three years.

He also explained that one accident will be reflected in this year's number of accidents and the cumulative three-year number of accidents. Accordingly, even if there is no premium for the accident, A will be subject to the increased premium if the rate of the number of accidents is reflected.

사진 확대

In addition, the discount and premium system is a system that raises or lowers insurance premiums for the next year in consideration of the size of damage and the number of accidents when insurance money is paid in the event of a car accident. In order to impose an appropriate insurance premium that meets the driver's risk level, the insurance premium is discounted for accident-free. On the other hand, the accident victim explained that the insurance premium is increased because the contents and number of accidents are reflected at the same time.

In other words, it is a structure in which insurance premiums are discounted or increased depending on the contents of the accident (the amount of insurance money). They answered that it is a structure in which scores are given according to the size of each accident that occurred over the past year and one grade is added per point.

He explained that regardless of the size of the accident, insurance premiums are discounted and added depending on the presence or absence of automobile accidents and the number of accidents. Based on the number of accidents that occurred in the previous three years and a year, insurance premiums for accident-prone people are increased, while insurance premiums for accident-free people are discounted.

It is also said that it is calculated by reflecting various differentiation factors such as the insured's age, driver's range, and driving distance, and individual risks according to the accident experience.

The association said, "Automobile insurance premiums may increase depending on changes in the overall loss ratio," and "Differentiation factors may increase due to changes in vehicle year."

Meanwhile, the amendment to the Enforcement Decree of the Automobile Damage Compensation Guarantee Act, which includes the "eight-week rule" that requires minor patients who are not severely injured to be examined for treatment beyond eight weeks, was reportedly submitted to the vice ministers' meeting on the 1st, and the amendment stipulated the effective date as September 10.