자동차보험 지역별 요율차등화에 관한 연구 - 대인배상을 중심으로-

Automobile insurance premiums generally are determined by a driver's status such as age, sex, family, and driving record. The territory where the automobile is principally used and garaged is also very important factor for determining premiums. However, it is not allowed that the insurance companies impose the different premium rates to the insureds in different provinces in spite of the different average loss ratios of the insureds in different provinces. The purpose of this research is to analyze accident frequency, accident severity and loss ratios of different provinces and propose that the insurance companies must use territorial rates in order to develop an equitable rate structure. In an attempt to assess the reasonableness of territorial rate levels for the Korean automobile insurance, some experience data are obtained from the KIDI. Based on the actual loss ratios for each province during the period 2000 through 2005, a mean loss ratio is calculated for these six years in each province. After these mean loss ratios are developed for each province, they are ranked according to magnitude from high to low in the table. Based on these rankings, we argue that there are a lot of average loss ratio gaps among provinces and rates may be unfairly discriminatory because there are measurable cost differences within different provinces of Korea. Therefore, the Korean government should allow the insurance companies to impose the different premium rates to the insureds in different provinces.