Full charge of drunk driving car insurance accident.
Drunk driving is a shortcut to defeat. This is due to a sharp increase in the level of compensation for financial damage for drunk driving accidents. If drunk driving caused traffic accidents and casualties, a self-burden of up to KRW 200 million($155,000) and an accident charge of KRW 180 million($140,000) per person (including death during treatment) must be vomited. In the event of a drunk driving accident, the content of paying the limit of mandatory insurance for auto insurance has been changed to paying the full amount of accident charges for mandatory insurance.
Previously, in the event of a drunk driving accident, the insurance company paid insurance money to the victim and only a certain limit was devised to the driver for personal and property damage.
However, it continued to be pointed out that there is a limit to eradicating drunk driving in this way. Above all, it was pointed out that the financial burden is being passed on to a large number of policyholders unrelated to the accident due to insurance payments paid by insurance companies for drunk driving accidents.
The responsibility of drunk drivers will be greatly strengthened. The government has decided to raise the burden of drunk driving accidents by imposing a self-burden on auto insurance of up to 200 million won. The accident charge for personal damage in drunk driving accidents has been raised to up to 180 million won per victim, and the accident charge for property damage has also been adjusted to up to 20 million won per victim.
This is more than 13 times more than the previous standard, which set the total amount of accident charges for personal and property damage at up to 15 million won.
Status of drunk driving traffic accidents and casualties.
The number of drunk driving crackdowns decreased from 130,772 in 2019 to 115,882 in 2021. However, during the same period, the proportion of drunk driving repeat offenders increased from 44.7% to 44.8%.
From 2018 to 2020, there were 52,336 traffic accidents caused by drunk driving. The figure is an average of 50 drunk driving accidents per day. During this period, the number of deaths and injuries caused by drunk driving traffic accidents was 928 and 86,976, respectively.
On average, 0.8 people were killed and 79.4 were injured a day.
Among those who revoked their licenses due to drunk driving, the proportion of repeat offenders who drove twice or more under the influence of alcohol surged by 40% from 7.5% in 2018 to 10.5% in 2021.
Increased financial burden on auto insurance from July.
Starting in July, insurers will add up to 20 percent of their own contributions to driver insurance's traffic accident handling subsidies and guarantees for lawyer appointment costs. The measure came as the level of punishment for drivers was strengthened with the enactment of the so-called Yoon Chang-ho Act and Min-sik Act, which resulted from drunk driving and traffic accidents in school zones in child protection zones.
As the level of pressure on drivers increases in the legal system, auto insurance companies decided to raise the insurance money that drivers have to pay together. The sharp increase in interest in driver insurance was also affected by the strengthened punishment for drivers. Safety driving, defensive driving against pedestrians, driver obligations, and traffic safety issues have emerged rapidly, and competition for driver insurance products that guarantee legal costs has intensified.
It is interpreted as a willingness to emphasize the awareness and importance of safe driving by introducing a self-burden system for driver insurance and adjusting the ratio of levies.
As a result of these measures, insurance consumers must pay for driver insurance, including self-burden and accident charges.
