손해사정사제도의 실태분석 및 개선방안에 관한 연구

Abstract

In modern society, compared to the past, the economic scale has grown, resulting in greater diversity in insurance coverage and an expansion of the market. Consequently, the causes of losses have become more complex. In this context, accurate determination of liability and indemnity, as well as the fair assessment of insurance claims, have become crucial tasks. As a result, the technical expertise and professionalism of claim-adjuster(CA) are continuously evolving. Claim adjustment primarily serves to realize the insured's interests for insurance claimants. It also plays a pivotal role in securing the competitiveness of insurance companies and providing a basis for determining insurance premiums, ultimately preventing ethical misconduct within the insurance industry. Therefore, this study examines the concept and current status of the loss assessment system, highlighting its issues. Specifically, the study explores the existing CA system in South Korea and relevant domestic laws. It also reviews international CA systems to provide insights. The research proposes several improvements to the CA system. Firstly, it suggests enhancing the independence of CA through a detailed delineation of their authority and the establishment of a legal protection framework. Secondly, it advocates for the enhancement of the professionalism of CA through the strengthening of qualification systems and the introduction of continuous education. Notably, it emphasizes the consolidation of loss assessor functions, focusing on strengthening examination subjects and recognition systems, introducing continuous education, and implementing license renewal procedures.