• 한국ITS학회 논문지
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• 제19권6호
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• pp.144-151
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• 2020

다양한 분야에 활용되는 드론은 2026년에는 사업용 드론 5만대를 예상하고 있다. 사업용 드론에 한해 영업배상책임보험 가입 의무 부과되고 있으나 드론의 사용 영역이 확대됨에 따라 기체임무에 따른 법적의무를 부과하는 드론 보험제도 개선이 필요하다. 특히, 드론의 기체 특성 다양화로 인해 위험도에 따른 보험체계가 필요하다. 이를 위해 국내 드론 운용 현황조사 및 국내외 드론 보험관련 문헌검토와 드론 관련 자료 수집 및 분석, 교통수단별 보험제도, 해외 드론 보험상품 자료 분석을 시행한다.타 교통수단의 보험체계를 기반으로 드론 사고특성을 적용한 기체특성별, 운용임무별 드론보험가입에 대한 드론 보험제도 개선안 도출하며 기체 특성별, 운용 임무별 보험기준 수립을 위해 이용자, 이용사업체, 보험회사 등 분야별 요구 보험 조사를 통해 시사점을 도출, 기체의 물리적 특성에 따른 위험도 산출을 통한 세부 보험기준을 수립하며 기체 운용 임무에 따른 손해배상 책임을 구체화 하였다.

• 산경연구논집
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• 제12권11호
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• pp.33-50
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• 2021

Purpose: In South Korea, two kinds of mandatory insurance, Fierce Liability Insurance and Outdoor Advertising Liability Insurance sells as of February 2021 according to relevant codes. This study analyzed third party liability and personal living liability insurance in terms of various risks not corporation side but personal side arising from normal living and life. Research design, data and methodology: Some cases of drone accident hit man and fierce dog accident were taken into analysis to verify blame ratio and insurance claim money. The former case is that on the way down the elevator, the dog, American pit bull terrier rushed in and bit the lower part of the knee against the visitor. The latter case is that while flying in the sky as usual, the drone suddenly crashed, fell, and hit the head of a young child while walking on the street. Further previous studies such as third party liabilities, liability insurance, mandatory insurance were deeply analyzed. Results: Based on some case studies and previous studies, the author suggested valuable comments in turn realization of insurer as provider, exhaustive creation and operation of mandatory insurance, realization of insured as demanded, and arrangements of laws and systems in special consideration of amendment of companion animal and exhaustive execution of mandatory insurance by the government. Conclusions: This study was about third party liability, personal living liability insurance and expansion of mandatory insurance caused by relevant laws by the government. In this study the author verified what issues were observed from two cases drone accident and fierce dog accident and then suggested some valuable comment as above both systemic plans and practical plans. First of all, the individual should get Comprehensive Property Insurance(CPI) that covers the risks of his/her own property arising from the everyday life. And then the individual should further buy Personal Living Liability Insurance(PLLI) in order to prepare 'accidents that may happen when, where, or how' and overcome the said accidents. Moreover, the individual should take a look every single insurance contract whether he/she has a special terms and conditions of Personal Living Liability Insurance(PLLI) or not.