도덕적 해이에 의한 조직적 보험사기에 관한 연구: 미국의 노폴트 자동차보험제도를 중심으로

This study examines the systematic insurance fraud and the countermeasures against fraud of American. No-Fault automobile insurance is any type of insurance contract under which insureds are indemnified for losses by their own insurance company, regardless of fault in the incident generating losses. In this sense, it is no different from first-party coverage and focuses on promptness, fairness and efficiency of compensation. No-Fault automobile insurance system is the most representative of social and economic devices for victim relief. However, problems have been raised in various aspects such as the systematic insurance fraud in the United States, which is the home country of No-Fault automobile insurance. Recruit colleagues to cause a car accident and claim a large amount of insurance money unfairly involving a medical institution or a lawyer. These systematic insurance frauds are becoming a big social problem. Recently, because of the appearance of autonomous vehicles and the sudden change of the automobile environment such as intelligent transport system, the argument on the instruction of No-Fault automobile insurance system is raising in many countries including Korea. Therefore, it is necessary to monitor the systematic insurance fraud of American No-Fault automobile insurance.