<Anchor> 



There is something to know about car insurance starting this year.

If you suffer minor injuries in an accident, you cannot be guaranteed all medical expenses unconditionally, and you must take responsibility if it is your fault. 



Several measures have been taken to prevent insurance money from leaking due to unnecessary treatment and hospitalization, but reporter Nam Jung-min will tell you.



<Reporter> The 



moment the car tries to enter the left lane, it is hit by the vehicle behind it.



The negligence rate is 9 to 1. The



driver of the damaged vehicle sprained his neck, and received 9.73 million won for hospitalization on the 14th and outpatient treatment on the 254th.



However, starting this year, he will have to pay about 850,000 won for his treatment.



In the past, in the case of minor injuries, the other party's insurance company paid the full cost of treatment regardless of the percentage of negligence, but now the terms and conditions have changed so that the patient pays the same amount as the patient's negligence.



[Kim Hyung-il/Auto Insurance Team Leader, Damage Insurance Association: I was able to receive treatment indefinitely without a medical certificate or such objective evidence.

Since there is no penalty, the excess medical treatment leaked here by abusing this treatment was quite considerable.]



As a result, the money to be paid increases if the negligence is large.



The driver who crashed into the opposite car while entering the parking lot received 11.5 million won in medical expenses, but now has to pay about 4.12 million won, which is 40% of the negligence.



Patients with minor injuries are also obliged to submit a medical certificate when receiving treatment for more than 4 weeks.



The amount of insurance for minor patients paid annually is KRW 2.9 trillion, an increase of 50% over the past five years.



While the cost of western medicine decreased, the cost of oriental medicine treatment, which has a high percentage of non-insured treatment, increased by 160%.



There was also a study that estimated that about one-third of patients with minor injuries were overmedicated. Patients suspected of overmedication had nearly four times more medical expenses per person and three times longer treatment days than general patients.



The Financial Services Commission predicted that if overtreatment of 540 billion won per year is reduced, insurance premiums for all subscribers will be reduced by up to 30,000 won.



(Video editing: Park Chun-bae, Screen provided: Property Insurance Association)