신체의 훼손과 자동차보험제도 개선 - 자동차보험 상해 기준과 소비자 보호의 쟁점 -

초록

The hospitalization rate of traffic accident patients in Korea is considerably higher than that of other countries, and it is worrisome that a considerable number of patients leave the hospital after being hospitalized. It is necessary to protect the rights of consumers to clarify the standards of automobile insurance injury for bodily damage and reduce disputes over compensation standards. In particular, urgent medical and legal research is required on the necessity of hospitalization and treatment of mild patients suffering from sprains, lumbar spinal pain, etc., which are the most disputed. I suggest utilizing AI, etc., which has recently been developed through scientific and technological advancements. Among victims injured in car accidents, the proportion of minor injuries that are difficult to objectively judge is increasing. If AI, etc. are utilized, appropriate injury judgment criteria content can be developed. Therefore, it is a demand of the times to establish standards by objectifying compensation standards for car accidents. In order to solve problems such as overtreatment of minor patients, overcalculation of oriental medicine treatment costs, and excessive settlement amounts, it is a prerequisite to accurately calculate the extent of injury and treatment costs. In order to solve the problem of this blind spot, there should be medical efforts to subdivide minor patients into stages by injured body part, and new standards should be established for the necessity of treatment, hospitalization, and visits. Since these new attempts should be conducted objectively and fairly, it is suggested that new technologies such as AI be utilized.

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