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Monday will be with a friendly economy, Kwon Ai. Kwon, come on. (Good morning.) I thought the carpool problem was solved. What happens to the insurance when the accident happens? The problem is not solved yet?

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Researcher Hwang Hyun-a of the Insurance Research Institute pointed out that if you are carpooling in the system, you may not be able to apply for insurance if you have an accident.

The reason for this is that the original car is only for me and my family. Some people are less able to drive than a commercial car, and people are limited.

So personal insurance and commercial vehicle insurance are different. However, the personal insurance policy is stipulated in the terms.

Repeated use of a car at a price or a price for profit purposes may be difficult to obtain.

I also register with the carpool app and pick up someone I do not know every time I get a chance. You can say that you are in charge of the so-called "paid-for-money" act that says you are not responsible for your personal insurance.

The government said it would be able to apply personal insurance to carpools if it was "the purpose of getting on a commute by commute" earlier this year.

It is actually ambiguous to see how long it takes to burn, how long it takes to burn, how to look at the sales, and what to do with the ride. The government has added that the insurance problem needs to be made clearer.

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If this system is not maintained, and you have an accident, it will be a pain in your life.

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Once there is damage to objects and objects. Up to 20 million won will be reimbursed in the compulsory insurance. However, it does not apply when it is judged that it was a personal use freight transportation activity by the personal insurance.

Once the object is in principle a penny can not be applied. The damage to a person is limited to 150 million won for compulsory insurance, including death.

So far this will be rewarded. But there are not many people who only have mandatory insurance. You almost get comprehensive insurance. Until now, carpooling was a relatively new concept.

If the number of carpool drivers increases and accidents increase in that situation, insurers will look closely at the state of the accident and can become a dispute when an accident occurs that requires a large amount of compensation.

The biggest insurer in Korea recently added commentary to the standard terms. "It may not be reimbursed if an accident occurs while carrying out freight transportation by a car shared by a transportation network company."

In a nutshell, if you use your car to register for a carpool app that you want to run in Cocoa Mobility, or a start-up carpool app that's still running, you will not be liable for it.

There was also a cacao T insurance that appeared in the cacao carpool trial service. There is a guarantee that the driver will be able to exceed the existing auto insurance coverage limit.

As a matter of fact, the standard terms of our insurance policies were not in the first place.

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How about overseas when carpool was introduced first? I think there was something similar.

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There was a big case five years ago in the United States. The US vehicle-sharing app, the Uber X driver, dropped one person and waited for Cole to crash and hit a family.

A six-year-old girl died, and my mom and my brother were seriously hurt, and it was not our responsibility to cover this driver's personal and Uber's minimum insurance.

After all, we had to go to the funeral with a charity fundraiser, which later became a big case.

After that, the system was supplemented a little, but as a result, drivers who are operating in the car through Uber have changed to have more expensive insurance.

The Korea Institute for International Economic Policy (KIER) has proposed that a new rider or separate product must be available for drivers who want to drive carpools in Korea.

However, it can be argued that carpool service in Korea is limited to commute time in the future, so it should be cheaper than foreign carpool driver's insurance without time limit. But anyway, it seems that you need something special or product.

If you want to encourage carpooling, you have to pay for carpool accidents that occur during commute times. You can not rule out the cost of transferring money to drivers who do not want to carpool.

You need to consider the fact that you need to get some complementary insurance in some way, and if you do not pay for it at a time when it is not clear, you can consider unexpected problems when you have an accident.