자동차사고 과실비율 인정기준

(1) What is the Fault Ratio Criteria?

- This is the only official standard in Korea, developed based on court precedents, laws, and dispute resolution cases, to determine the degree of responsibility between the at-fault party and the victim in a traffic accident.

- The Fault Ratio Criteria are based on Appendix 15 of the Enforcement Regulations for Insurance Supervision (Appendix 3 of the Standard Automobile Insurance Terms and Conditions) supervised by the Financial Supervisory Service and published by the General Insurance Association of Korea.

- Approximately 80% of all accidents are accepted without disagreement due to unilateral fault (100:0), but approximately 20% are subject to mutual disputes, requiring an assessment of fault. In these cases, the Fault Ratio Criteria are used, contributing to prompt compensation processing, standardized fault ratio calculations, easier fault ratio prediction, and the stability of the automobile insurance system and fault ratio assessment standards.

(2) Search Method

① Select and search for "My Fault Ratio"
Accident Type (Vehicle-to-Vehicle, Vehicle-to-Person, etc.) → Select Accident Location (Road Type) → Select Accident Location (or Type) → Select Your (or the Other Party's) Driving Route → Select the Other Party's (or Your) Driving Route → View the appropriate chart and check basic fault for your accident.

② Search for "My Fault Ratio" with Keywords
Accident Type (Vehicle-to-Vehicle, Vehicle-to-Person, etc.) → Enter keywords, keywords, or search terms to search for the appropriate chart and check basic fault for your accident.

③ Find Out My Fault Ratio
Select the Criteria for Recognizing Fault Ratio from the top menu → Select "Find Out My Fault Ratio" → Select Accident Type (Vehicle-to-Vehicle, Vehicle-to-Person, etc.) → Select the appropriate major, minor, or major category for your accident → Go to the chart page and check basic fault.

(3) App Structure and Screen Content

① Video: Animated representation of a specific accident situation.

② Accident Situation: Describes a specific accident situation.

③ Application (Non-Application): Explains similar accidents to which the claim applies or does not apply.

④ Explanation of Basic Negligence: Explains why both parties are held to be at fault for a specific accident, excluding specific circumstances.

⑤ Explanation of Modifying Elements: Explains modifying elements that may vary depending on the specific circumstances of the basic negligence claim.

⑥ Relevant Laws and Reference Cases: Provides legal basis and reference case law.