공유경제에서의 자동차 보험사기에 대한 전망과 해결방안

Due to the 4th Industrial Revolution, our society is developing very rapidly. These developments are making our lives increasingly convenient, but the resources that support them are being depleted at a rapid rate. As an alternative to this, the sharing economy has recently been attracting attention. The sharing economy can be seen as a mechanism of change that changes the concept of ownership to sharing. In particular, automobiles can be said to be a representative field in revitalizing the sharing economy. When the sharing economy is activated, all users will not own their own vehicles but will use vehicles from sharing companies as needed. We must consider what problems may arise in our society due to these changes. Meanwhile, insurance fraud crimes are increasing every year. Among them, insurance fraud using automobiles is the most representative type. In particular, insurance fraud using rental cars has been on the rise recently. Insurance fraud using rental cars is expected to be similar to crimes committed through car sharing in the sharing economy era. Therefore, in order to establish a proper sharing culture, it is necessary to carefully review the problem of insurance fraud caused by car sharing and prepare specific alternatives. First of all, the first alternative is to accurately identify car accidents. To this end, a plan must be developed to thoroughly secure evidence for accident investigation, and expert opinions must be actively utilized. Second, the current insurance system needs to be improved. Even in cases where vehicles are shared, such as rental cars, it is necessary to take measures to increase the driver's insurance premium in the event of an insurance accident. Additionally, when sharing a vehicle, specific identity verification must be performed using the user's driver's qualification verification system. Third, responsibility for users who use shared vehicles must be strengthened. To this end, platform operators must implement a penalty point system to strengthen users' responsibilities in the terms and conditions. Fourth, criminal punishment for insurance crimes must be strengthened. Although the Special Act on Prevention of Insurance Fraud has been implemented, there are still many areas that require revision. Therefore, there is a need to thoroughly revise the law so that severe punishment can be imposed on insurance-related workers and repeat offenders. Fifth, systematic education should be provided to all citizens to eradicate insurance fraud. Many people still do not consider insurance fraud a serious crime, which means that education about insurance fraud is lacking. Therefore, there is a need to conduct large-scale insurance fraud education for all age groups, from teenagers to the elderly.