PC-Crash를 이용한 교차로 보험사기 의심사례 분석

According to statistics released by the Financial Supervisory Service, as of 2022, detected cases of insurance fraud in South Korea amount to approximately 1 trillion won, involving around 100,000 individuals. This reflects a 14.7% increase compared to the previous year in terms of the detected fraudulent amount. Such fraudulent activities are causing significant harm to honest policyholders. Notably, fraudulent claims related to automobile insurance account for approximately 44% of the total, indicating a prevalent issue with insurance fraud involving vehicles. Deliberate accidents involving automobiles can be assessed cautiously by observing the driving behavior. Drivers can manipulate three main controls: the steering wheel, accelerator pedal, and brake pedal. If these devices are noticeably manipulated in a way that deviates significantly from normal usage, it can be deemed as intentionally causing an accident. Evidence for driving behavior includes Event Data Recorder (EDR), Digital Tachograph (DTG), and video recording devices. Particularly, intentional accidents can be inferred from EDR data when there is evidence of intentional manipulation of the accelerator pedal. Additionally, situations where there is ample time and visibility to use the braking pedal but it is intentionally not engaged can also establish unintentional intent. This case study focuses on an incident where a vehicle intentionally collided with another violating the rules at an intersection. The intentional nature was determined using PC-Crash, reconstructing the black box video to reveal that the collision point within the intersection was outside the path of a left turn. The recreation of a sudden steering correction further supported the argument for intent.