경주마 보험사기의 유형과 그 방지 방안

Recently Jeju District Court sentenced the owner of a race horse, who brutally killed and injured the horse unworthy of racing, and who counterfeited as an accidental accident, and asked insurance to serves 6 months in prison and with a stay of execution for two years of probation, as a crime of fraud and animal protection violation. It was proved that the owner killed the horse, and asked for livestock disaster insurance, but ended in being arrested on a charge of attempted killing of the horse. Race horses are very expensive, and the owners of them tend to apply for the livestock disaster insurance. Race horses take much money in managing. Little horses born of mares are difficult to grow as race horses sufficient to make good records, most of them become normal horses which live on expensive feed. This type of horse which doesn't make proper income is often killed by its owners, and is disguised as an insured accident. In America, Tommy Burns' accident was known to the public, because Burns used horse death by electrocution to help the other man receive fraudulent insurance. Insurance, in general, is a system which many people who are in the risk of the same quality form a risk organization and pay for money estimated on the statistical base to raise a fund to the organization, and offer money to the people who have an accident uncertainly. It is a useful policy that diversifies a variety of risks that exist in modern society. Insurance becomes a necessity in modern people who lives with several types of risk, but it has positive as well as negative functions within the system invented by human beings. This is the insurance fraud problem. That is, the possibility of insurance fraud that tries to receive a large amount of insurance money after causing unlawful insurance accidents intentionally may exist, owing to the characteristics of moral hazard of insurance contract. The insurance crime for collecting insurance is being expanded into a new crime. It is also committed and organized for many and unspecified persons and it is gradually increased in modern society, being associated with various types of crime. In addition, the area of ​​insurance fraud is constantly enlarged, and now covers crimes which are targeted for animals. This insurance fraud should be prevented, in that it is passed on to the future insurance money, which makes the whole insurance consumers become a good victim of fraud, and which further reduces social confidence in insurance system, and arrests the development of healthy insurance industry. Therefore, the study aims to find ways for the prevention of race equine insurance fraud, one of the insurance frauds. After reviewing the discussion about the US race equine insurance fraud, and examining the race horse insurance fraud that recently occurred in Korea, it attempts to look at the ways of preventing the insurance which are most appropriate for our country.