Insurance Indemnity Analysis Calculator

Insurance Indemnity Analysis Calculator helps estimate Korea-related auto insurance premium, coverage, indemnity, and driver-risk scenarios in English.

Insurance indemnity facts

Coverage and subrogation result

Total damage

₩75,000,000

Covered amount

₩28,000,000

Self-burden amount

₩47,000,000

Coverage rate

37.3%

Risk level

warning

Insurer paid

₩28,000,000

Subrogation rate

90.0%

Subrogation amount

₩25,200,000

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Korean auto insurance indemnity, exemption, and subrogation analysis

This English guide follows the Korean calculator logic and preserves the Korean won amounts, statutory thresholds, vehicle categories, penalty rates, subsidy caps, and administrative assumptions used by the source page.

Mandatory and optional coverage limits

The analysis starts from Korean compulsory insurance and optional cover limits. Liability I bodily injury limits range by injury grade from KRW 30 million for grade 1 down to KRW 1.2 million for grade 14. Mandatory property damage is KRW 20 million.

Optional Liability II can be unlimited, KRW 500 million, KRW 300 million, KRW 100 million, or not enrolled. Property damage options include KRW 1 billion, KRW 500 million, KRW 300 million, KRW 200 million, KRW 100 million, or the compulsory KRW 20 million floor. Self-injury options are KRW 100 million, KRW 50 million, KRW 30 million, or none.

DUI, unlicensed driving, hit-and-run, and subrogation

BAC thresholds are 0.03 percent for the DUI limit, 0.08 percent for the drunk band, 0.20 percent for the high band, and 0.30 percent for the extreme band. DUI subrogation is modeled at 70 to 80 percent for BAC 0.03 to 0.08 percent, 80 to 100 percent for BAC 0.08 to 0.20 percent, and 100 percent for BAC 0.20 percent or more.

Unlicensed driving uses 70 to 100 percent subrogation, hit-and-run no-action cases use 80 to 90 percent, fled-scene cases use 90 to 100 percent, and combined accident types use 100 percent. The calculator separates insurer-paid amount, driver self-burden, coverage rate, and expected subrogation amount.

  • Liability I and mandatory property damage remain protected for victims, but the insurer can evaluate subrogation against the driver.
  • Voluntary coverage can be exempted for DUI, unlicensed driving, or hit-and-run depending on the coverage item and facts.
  • The result is a coverage-risk estimate, not an insurer claim decision.