{"@type":"StructuredNewsArticle","access":{"license":"neupai_standard","structured_data":"free","full_text_access":null,"full_text_available":false,"attribution_required":true},"content":{"claims":[{"id":"c1","type":"fact","as_of":"2026","figures":null,"insight":null,"as_of_raw":"currently","statement":"Nine out of ten new cars are already equipped with telematics","comparison":null,"expiry_hint":null,"source_type":"journalist_analysis","as_of_explicit":false},{"id":"c2","type":"fact","as_of":"2026","figures":null,"insight":null,"as_of_raw":"currently","statement":"KB Insurance provides a maximum discount of 27.8% for conditions of 95 points or higher and under 29 years old","comparison":null,"expiry_hint":null,"source_type":"company_disclosure","as_of_explicit":false},{"id":"c3","type":"fact","as_of":"2026","figures":null,"insight":null,"as_of_raw":"currently","statement":"DB Insurance provides a maximum discount of 28.4% under the same conditions","comparison":null,"expiry_hint":null,"source_type":"company_disclosure","as_of_explicit":false},{"id":"c4","type":"fact","as_of":"2026","figures":null,"insight":null,"as_of_raw":"currently","statement":"About 90% of new cars currently on the road are collecting driver behavior data","comparison":null,"expiry_hint":null,"source_type":"research_paper","as_of_explicit":false},{"id":"c5","type":"fact","as_of":"2026","figures":null,"insight":null,"as_of_raw":"recently","statement":"The Personal Information Protection Commission imposed a total of ₩9.2 billion in fines on four insurance companies","comparison":null,"expiry_hint":null,"source_type":"government_official","as_of_explicit":false},{"id":"c6","type":"fact","as_of":"2018","figures":null,"insight":null,"as_of_raw":"as of 2018","statement":"As of 2018, the average personal auto insurance premiums were ₩895,000 in the US, ₩718,000 in the UK, ₩706,000 in Germany, ₩635,000 in Korea, and ₩521,000 in Japan","comparison":null,"expiry_hint":null,"source_type":"research_paper","as_of_explicit":true},{"id":"c7","type":"fact","as_of":"2019","figures":null,"insight":null,"as_of_raw":"from 2011 to 2019","statement":"From 2011 to 2019, Korea's per-vehicle claim costs increased by an annual average of 1.6%, but the average insurance premium increase rate was only 0.2%","comparison":null,"expiry_hint":null,"source_type":"research_paper","as_of_explicit":true}],"topics":["insurance","telematics","data privacy","automotive","ai"],"summary":"Nine out of ten new cars in Korea are equipped with telematics to collect driving data in real-time, and this information is operating as a key variable in insurance premium calculations. Concerns are being raised about the transparency and fairness of data-based insurance premium systems.","entities":[{"name":"Korea Insurance Development Institute","type":"organization","metadata":{"parent":null,"ticker":null},"canonical_id":"org:kr:korea-insurance-development-institute","role_in_article":"primary_subject"},{"name":"Financial Services Commission","type":"organization","metadata":{"parent":null,"ticker":null},"canonical_id":"org:kr:financial-services-commission","role_in_article":"mentioned"},{"name":"KB Insurance","type":"company","metadata":{"parent":null,"ticker":null},"canonical_id":"corp:kr:kb-insurance","role_in_article":"mentioned"},{"name":"DB Insurance","type":"company","metadata":{"parent":null,"ticker":null},"canonical_id":"corp:kr:db-insurance","role_in_article":"mentioned"},{"name":"Carrot General Insurance","type":"company","metadata":{"parent":null,"ticker":null},"canonical_id":"corp:kr:carrot-general-insurance","role_in_article":"mentioned"},{"name":"General Motors","type":"company","metadata":{"parent":null,"ticker":null},"canonical_id":"corp:us:general-motors","role_in_article":"mentioned"},{"name":"Toss","type":"company","metadata":{"parent":null,"ticker":null},"canonical_id":"corp:kr:viva-republica","role_in_article":"mentioned"},{"name":"Kakao Pay","type":"company","metadata":{"parent":null,"ticker":null},"canonical_id":"corp:kr:kakaopay","role_in_article":"mentioned"},{"name":"Hyundai Marine & Fire Insurance","type":"company","metadata":{"parent":null,"ticker":null},"canonical_id":"corp:kr:hyundai-marine-fire-insurance","role_in_article":"mentioned"},{"name":"Personal Information Protection Commission","type":"organization","metadata":{"parent":null,"ticker":null},"canonical_id":"org:kr:personal-information-protection-commission","role_in_article":"mentioned"},{"name":"Korea Insurance Research Institute","type":"organization","metadata":{"parent":null,"ticker":null},"canonical_id":"org:kr:korea-insurance-research-institute","role_in_article":"source"},{"name":"UK Financial Conduct Authority","type":"organization","metadata":{"parent":null,"ticker":null},"canonical_id":"org:gb:financial-conduct-authority","role_in_article":"mentioned"},{"name":"Financial Supervisory Service","type":"organization","metadata":{"parent":null,"ticker":null},"canonical_id":"org:kr:financial-supervisory-service","role_in_article":"mentioned"},{"name":"Sam Abuelsamid","type":"person","metadata":{"parent":null,"ticker":null},"canonical_id":"person:us:sam-abuelsamid","role_in_article":"quoted"}],"headline":"Insurers Monitor Your Driving Habits... Is Data-Based Insurance Premium 'Fair'?","geography":["KR","US","DE","IT","GB","JP"],"ai_emotional_context":{"arousal":0,"valence":0,"primary_emotions":[],"emotional_triggers":[],"secondary_emotions":[]}},"@context":"https://neupai.io/schema/v0.2","identity":{"ai_url":null,"author":"김광우 기자","language":"en","publisher":{"name":"테크42","type":"online","domain":"tech42.co.kr"},"article_id":"tech42_20260511_insurance-telematics-data-privacy","updated_at":null,"originality":"self_produced","article_type":"analysis","published_at":"2026-05-11T23:00:00.000Z","canonical_url":"https://www.tech42.co.kr/%eb%b3%b4%ed%97%98%ec%82%ac-%eb%8b%b9%ec%8b%a0%ec%9d%98-%ec%9a%b4%ec%a0%84-%ec%8a%b5%ea%b4%80-%ea%b0%90%ec%8b%9c%ed%95%9c%eb%8b%a4%eb%8d%b0%ec%9d%b4%ed%84%b0-%ea%b8%b0%eb%b0%98-%eb%b3%b4/?utm_source=rss&utm_medium=rss&utm_campaign=%25eb%25b3%25b4%25ed%2597%2598%25ec%2582%25ac-%25eb%258b%25b9%25ec%258b%25a0%25ec%259d%2598-%25ec%259a%25b4%25ec%25a0%2584-%25ec%258a%25b5%25ea%25b4%2580-%25ea%25b0%2590%25ec%258b%259c%25ed%2595%259c%25eb%258b%25a4%25eb%258d%25b0%25ec%259d%25b4%25ed%2584%25b0-%25ea%25b8%25b0%25eb%25b0%2598-%25eb%25b3%25b4"},"temporal":{"freshness":"recent","next_update_expected":null},"provenance":{"source_chain":["primary_reporting"],"related_articles":[],"original_source_url":null}}