Korea is tightening automobile-insurance rules for people with minor traffic-accident injuries who continue treatment for more than eight weeks. The Financial Supervisory Service said revised standard policy terms will take effect on September 10. Under the change, extended treatment will require review by a medical professional, adding a verification step before insurers continue covering a long course of care.
The regulator is targeting excessive treatment and leakage from automobile-insurance claims, including the familiar problem of patients staying in treatment even when injuries are relatively minor. The revision also addresses the practice of paying future-treatment money as part of settlements. For ordinary accident victims, the change does not eliminate access to necessary care, but it adds scrutiny once treatment passes the eight-week point.
What changes after eight weeks
The policy will be judged by whether it reduces inflated claims without creating barriers for people who genuinely need longer recovery. Insurers and medical providers will also need to apply the review consistently. Drivers should expect the documentation around extended minor-injury treatment to matter more once the revised terms take effect.