국가직무능력표준(NCS)과 손해사정

임동섭 ( Dong Sup Lim ) 한국손해사정학회 2015 손해사정연구 Vol.11 No.-

현재 손해사정 업무와 관련된 자격은 보험업법에 정한 손해사정사와 보험업감독규정에 정한 보조인 제도가 있지만, 해당 자격의 취득을 위한 학습과 실제 직무현장과 연계되지 않는 문제가 있다. 이러한 문제를 해결하기 위해 개발된 국가직무능력표준(NCS)은 산업현장에서 직무를 수행하기 위해 요구되는 지식.기술.소양 등의 내용을 국가가 산업부문별.수준별로 체계화한 것으로, 국가적 차원에서 표준화한 것을 말한다. 보험산업 분야(중분류)는 보험상품개발, 보험영업.계약, 손해사정분야(소분류)로 나누어지고, 손해사정분야는 다시 재물.차량.신체 손해사정(세분류)로 나누어진다. 직무별로 개발된 국가직무능력표준은 교육현장에서 활요됨은 물론 평생경력개발 경로로도 활용된다. 국가직무능력표준(NCS)개발의 후속작업으로 일학습병행제가 도입될 예정이며, 이에 따라 NCS에 기반한 신자격설계 작업이 진행중이다. 손해사정분야에서는 ‘손해사정_ L3(재물)’또는 ‘손해사정_ L5(신체)’등과 같이 능력단위 수준과 손해사정분야에 따라 자격이 신설된다. 이러한 자격제도의 신설로 각 과정에서 요구하는 과정을 이수하고 검정(평가)과정을 통과한 경우 ‘자격과정’은 국가자격증을, ‘학위과정’은 해당 분야의 학위를 인정받게 된다.

손해사정사 보수기준 개선방안

김명규 ( Myung Kyu Kim ),이정호 ( Jeong Ho Lee ) 한국손해사정학회 2012 손해사정연구 Vol.6 No.-

본 연구에서는 현행 독립손해사정사의 보수기준의 문제점을 파악하여 개선방안을 모색 사였다. 독립손해사정사의 경우 보수에 대한 명확한 기준이 없음으로 인해 혼란을 야기되고 있으며, 특히 보험회사의 손해사정업부 위탁시 저가보수체계는 보수의 적정성 분쟁과 불공정 계약 등의 많은 문제점이 노출되고 부실한 손해사정으로 이어짐으로써 적정보험금 산출에 악영향을 입히고 보험소비자 불만을 초래하고 있다. 이러한 폐해를 해소하기 위해 업무영역별로 표준 보수기준을 마련하는 방안을 제시하였다. 기존 감독규정을 복원 또는 손해사정사회와 보험협회, 보험회사가 협의하는 보수기준을 마련하거나 손해사정사회가 보수기준을 자율적으로 결정하는 것이다. 그리고 이러한 보수기준은 감독기관 보고와 함께 이를 공시하는 시스템을 제시하였다.

손해사정사 자격 및 시험제도 개선을 위한 제언 -통합 손해사정사를 중심으로-

김현록 ( Hyeon Rok Kim ) 한국손해사정학회 2015 손해사정연구 Vol.11 No.-

A claim adjuster is a national vocational license for those who carry out survey and adjustment works on the occurrence of risks covered. The claim adjuster system was introduced in 1978 by the Insurance Business Act, and in 2014 a new license and examination system revised after 36 years of the first system was adopted and this laid the ground for unified claim adjuster. Because the current system is still exposed to several problems raised in the past, however it is necessary to unify into a single license as soon as possible. Thus, this study made a suggestion for desirable improvement in the unified claim adjuster license and examination system. This study is expected to contribute to the birth of the unified claim adjuster system.

국내 손해사정사 제도의 입법적 개선방안에 관한 연구

김정주 ( Jeong Ju Kim ) 한국손해사정학회 2014 손해사정연구 Vol.10 No.-

The purpose of this study is to clarify the reason our claim adjuster system is still crippling after 37 years since its first introduction into our insurance market and to suggest concrete legislative measures for improvement for it The core of the problems lies in the distorted market structure that is swayed by hired or commissioned claim adjusters instead of independent ones. Behavior regulations stipulated in the Korean Attorneys at Law Act is another aggravating cause of dwindling independent claim adjusting service market To solve all these problems, restructuring of current claim adjusting service market in favor of independent adjusters is needed. Prohibiting self claim adjusting by insurance companies, elevating accessibility of independent claim adjusting service to insurance consumers and enforcing legal effect and verification process of adjuster`s report should be implemented to foster a circumstance where claim adjusters can perform their work expected at original.

보험업법 제189조(시행령 제99조) 자기손해사정금지의 대안에 대한 소고

임동섭 ( Dongsup Lim ) 한국손해사정학회 2024 손해사정연구 Vol.25 No.-

Korea's insurance industry is classified as the world`s top insurance premium in the world`s 7th largest insurance industry, but the satisfaction rating of the insurance industry is the lowest among 30 countries surveyed. The reality is that the insurance consumers ' confidence in the insurance industry is not very high. One of the reasons for the unsatisfactory or distrust of these insurance industries is the emergence of double attitudes in the insurance policy when the insurance company sells the insurance policy. In particular, insurance companies are based on the belief that insurance companies are committed to the risk of developing insurance policies, such as insurance policies, insurance premiums, and direct damage assessment. The insurance company rejects that it is unrealistic to refuse the insurance premium because the absence of payment insurance is caused by the absence of the insurance premium, and the loss of the insurance company or the loss of the insurance provider to the extent that the insurance company is responsible for the loss of the insurance policy. However, it would be fair to argue that if the objective of the damage is to protect the insurance consumers and the extent of the damage, it is possible to deal with the loss of the damage by the objective of the liquidated damages and the extent to which the loss of the damage is handled by the insurance industry, and that it will be handled by the contractor in the case of the liquidated damages handled by the contractor. As our realistic alternatives, first, the objective of the employment adjuster shall be limited by the appropriateness of the report and the appropriateness of the payment insurance provided by the Independent adjuster. Second, Prohibitting claim adjust by unqualified persons and Reinforcement of remuneration education for claim adjuster and their assistants. Third, the rate of performing damage adjustment of himself. Forth, introduction of assessment certification system of damage adjusting business. While changing the institutional system, there may be a variety of problems and adverse side effects, but we have to compare side effects of sales of insurance product and performing damage adjustment of himself.

보험업법 제189조(시행령 제99조) 자기손해사정금지의 대안에 대한 소고

임동섭 ( Dongsup Lim ) 한국손해사정학회 2017 손해사정연구 Vol.15 No.-

Korea`s insurance industry is classified as the world`s top insurance premium in the world`s eighth largest insurance industry, but the satisfaction rating of the insurance industry is the lowest among 30 countries surveyed. The reality is that the insurance consumers ` confidence in the insurance industry is not very high. One of the reasons for the unsatisfactory or distrust of these insurance industries is the emergence of double attitudes in the insurance policy when the insurance company sells the insurance policy. In particular, insurance companies are based on the belief that insurance companies are committed to the risk of developing insurance policies, such as insurance policies, insurance premiums, and direct damage assessment. The insurance company rejects that it is unrealistic to refuse the insurance premium because the absence of payment insurance is caused by the absence of the insurance premium, and the loss of the insurance company or the loss of the insurance provider to the extent that the insurance company is responsible for the loss of the insurance policy. However, it would be fair to argue that if the objective of the damage is to protect the insurance consumers and the extent of the damage, it is possible to deal with the loss of the damage by the objective of the liquidated damages and the extent to which the loss of the damage is handled by the insurance industry, and that it will be handled by the contractor in the case of the liquidated damages handled by the contractor. As our realistic alternatives, first, the objective of the employment adjuster shall be limited by the appropriateness of the report and the appropriateness of the payment insurance provided by the Independent adjuster. Second, Prohibitting claim adjust by unqualified persons or Introducing the new grading system like a National Competency Standard(NCS). Third, the rate of performing damage adjustment of himself. Forth, introduction of assessment certification system of damage adjusting business. While changing the institutional system, there may be a variety of problems and adverse side effects, but we have to compare side effects of sales of insurance product and performing damage adjustment of himself.

손해사정사 제도에서 보조인에 관한 연구 - 보조인 및 무등록 종사자의 개선방향 -

최보국 ( Bokuk Choi ) 한국손해사정학회 2020 손해사정연구 Vol.21 No.-

In 1977, the Ministry of Finance introduced it to improve the insurance system, and in 1978, the revised bill of the Insurance Industry Act was implemented. In the event of an insurance accident, the claim adjuster must calculate the insurance amount from a neutral position in order to calculate the insurance amount accurately and quickly. If a decision to be biased against one side of the business is made, it violates the rights of the insured party, so it is necessary that only those with strict qualifications should perform the business. Damages related to fair calculation and payment of insurance premiums are a matter of the existence of insurance companies. However, in terms of the rights and interests of insurance consumers, it is a matter of insurance coverage and survival, so a balanced agreement is needed. For this agreement, fair and objective damage assessment is necessary, and it is judged that appropriate regulations on the involvement of illegal and unauthorized personnel in insurance compensation are necessary. There has been a case in which an insurance business worker has issued a false diagnosis to the insured under a public offering with some medical institutions (doctors and secretaries), thereby depriving insurance money. Similar insurance fraud cases have been increasing over the years. It is presumed that those who participate in insurance fraud collide with some insurance agents with insurance expertise, hospital officials, and illegal brokers who have accumulated knowledge about damage settlement, and adversely affect the leakage of insurance money through insurance money fraud. Until now, there is a view in the insurance industry that views overpayment of insurance money and responsibility for disputes as a problem of loss adjusters. However, by inferring the number of adjusters who are actually active and the ratios involved in insurance payment processing, the problem of insurance claims disputes is not a problem of qualifications of certified loss adjusters. Assuming that it may be a problem with illegal brokers and assistants, I propose solutions to unnecessary disputes in the insurance market by determining the scope of work and qualifications for assistants and unregistered assistants. In this case, I mention that a person who does not qualify as a loss adjuster is referred to as an unqualified person. Among the unqualified persons, I mention that a person belonging to an insurance company and a loss-adjusting company is referred to as an assistant, and a person who does not belong to it is referred to as an unregistered assistant (illegal broker).

자동차손해배상보장법상 운전보조자의 타인성에 관한 일 고찰(2): 최근의 대판 2010디5175 사례를 중심으로

이병석 ( Byung Suck Lee ) 한국손해사정학회 2010 손해사정연구 Vol.5 No.-

Many of the conflict cases regarding whether a driving assistant is a third person or not often involve the professional assistant drivers; that is to say, cases involving third person of driving assistant are rather rare. This is largely because the driver requested for a driving assistant to the assistant in person in most such cases. Nevertheless, will the driving assistant still be subject to the third person title despite his/her good will if the assistance was performed repetitively and if the assistant was directly involved in the driving? This research studies both on what standards the third person title is applied and the possibility to extending the protective coverage of the third person driving assistant from recent precedents.

한국과 일본의 자동차보험 보상환경 비교 및 고찰 - 자동차 시세하락손해 및 이륜자동차의 손해사정제도 개선방안을 중심으로 -

김남덕 ( Namdeok Kim ),이정한 ( Jeonghan Lee ),오재건 ( Jaegeon Oh ),권순익 ( Soonik Kwon ) 한국손해사정학회 2017 손해사정연구 Vol.16 No.-

The Korean domestic non-life insurance market is ranked 9th out of the world in terms of the year 2015, and the number of automobiles in production is the world's fifth largest. However, when we look at the relationship between automobile insurance, damage assessment and car maintenance industry, aftermarket market, which is the representative of auto insurance, and the relationship between motorcycle market. It is a reality that we have to question whether we have compensation environment. Since 2001, there has been a change in the standard for the payment of insurance claims on auto insurance, which has been added to the terms of the automobile insurance market. Since then, the insurance payment has been paid in compensation for damages. However, there is no such thing as a dispute between a victim of an auto insurance and an insurance company, and the unnecessary complaints and lawsuits are increasing. Also, in case of motorcycle, most of them are not equipped with compensation system for parts supply and price in the compensation process of foreign-made motorcycle. Therefore, in the process of repairing and remanufacturing, Korea's auto insurance and automobile industry is a leading industry in the world, but it is a reality that the auto insurance that is derived afterwards has not been properly implemented in the tough process of automobile accidents. Therefore, in this paper, we analyze the case of Japan which can be considered as a developed country of the auto insurance or automobile industry, in order to improve the competitiveness of the auto insurance of non-life insurance companies by comparing the compensation environment between the domestic and the Japanese to the problems of the compensation occurring between the customer and the related companies, First, in case of loss of automobile price, apply the contents of recent case or automobile management law of the Supreme Court to exclude from the case of falling price damages if there is only damage of outside panel, without distortion, and the application period applicable to vehicles less than two years old after the current issue is divided into sub categories according to vehicle type, damage or repair cost. Second, in the case of a motorcycle damage accident, in Japan, ACESPROⅡ, which is a computerized quotation program in which the parts price and the attachment position of components are recorded in detail, use to computerized estimation system for estimation of motorcycle damage. We also need to the development of estimation program for repair of foreign-made motorcycle, and computerized quote system is judged to be necessary management system for the remaining residues. Third, in case of a dispute related to the decline in the price of automobiles and the damage to the motorcycle, it is considered necessary to institutionalize the adjustment agency to be adjusted.

자동차사고로 인한 일실이의 산정방법에 관한 비교 연구: 한국, 일본, 중국

이천성 ( Cheon Sung Lee ) 한국손해사정학회 2010 손해사정연구 Vol.5 No.-

This paper compares bodily injury indemnity systems of three neighboring countries: Korea, Japan and China and examines the inheritance theory, the dependency theory and the third theory as a basis of estimation of lost profits caused by automobile accidents. In estimating lost profits from bodily injuries China adopts different systems from those of Korea and Japan, Based on the premise that indemnity systems are designed to distribute fair and reasonable allocations of loss amounts between parties involved in accidents, simple but unique Chinese indemnity systems, which are mixtures of the inheritance theory and the dependency theory, have great implications for us.