earticle

영어

In the last three years, from 2020 to 2022, there were 8,503 completed claims for damage to in-vehicle belongings across 10 insurance companies in South Korea. The distribution of completed claims belongings is 84.7% for car seats, 13.9% for golf clubs, and 1.2% for smartphones, with a total payout of approximately $4.5 billion over three years. Considering the severity of damage in completed claims cases, most of these accidents occur at low speeds, less than 20km/h. However, due to the lack of objective criteria for damage to belongings, some passengers are being compensated based on their claims, regardless of the severity of the accident. In this study, we conducted frontal and rear collision tests with a car equipped with belongings to reduce social disputes caused by the lack of standard regulation for damage to belongings. The car seats were mounted in the second row, the golf clubs were in the trunk, and the smartphones were in the driver's compartment. In order to objectively check the damage to the belongings, we asked a specialized testing organization to evaluate the performance before and after the collision test. After analyzing the performance evaluation results before and after the collision test, we found no change in the performance of the belongings, and no physical damage, such as deformation and breakage, was identified.