상실수익액 할인방식의 바람직한 개선방향 = Desirable Improvement Direction of Discount Method on Calculation of Lost Earnings

다국어 초록 (Multilingual Abstract)

As part of a plan to improve the auto insurance system to expand people's rights and interests, the system was recently reformed to change the discounting method for lost earnings from using the existing compound interest method (Leibniz method) to a simple interest method (Hoffmann method). This is because when calculating the amount of lost earnings, it is advantageous for consumers to apply a discount using the simple interest method as in courts and the State Compensation Act, but auto insurance companies have historically calculated relatively small compensation amounts by applying a compound interest method. However, considering that the Hoffmann method applied in courts and the State Compensation Act is also a discount method that underestimates the real world, we should not simply continue to insist on applying the current Hoffmann method by considering only the relationship between the Leibniz and Hoffmann methods. but in the future, efforts should be made to substantially expand the rights and interests of victims by applying a new method of calculating lost earnings that has economic rationality.