고의충돌 자동차 보험사기의 공간적 분포와 환경 영향 요인 분석

This study investigates the spatial distribution patterns of intentional vehicular collision insurance fraud and explores the environmental factors influencing the formation of fraud hotspots in Seoul, South Korea. The analysis utilizes 2,595 substantiated cases of intentional collision insurance fraud reported in Seoul between October 2020 and March 2024. The methodology involved two main stages. First, Global Moran’s I, Getis-Ord Gi, and Local Indicators of Spatial Association (LISA)analyses were employed to confirm the presence of spatial clustering in fraud occurrences and to identify high-risk routes. Second, a Spatial Lag Model (SLM)was applied to examine the effect of seven road environmental factors—including traffic accident frequency, number of CCTV installations, road intersection density, road type, road sinuosity, road width, and road length—on the incidence of insurance fraud. The results confirm that intentional collision insurance fraud exhibits statistically significant spatial clustering. Specifically, 37 routes, including Gangnam-daero, were identified as high-risk segments. Among the environmental variables, traffic accident frequency, the number of CCTV installations, road width, road type, and road length were found to have a statistically significant influence on the occurrence of intentional collision fraud. Based on these findings, this study proposes several policy implications, including the establishment of focused monitoring systems for high-risk fraud routes, targeted improvements to road environments, and the strengthening of preventative enforcement strategies.