The Korea Automobile Insurance Repair Research & Training Center (KART),established in March 1992 as a subsidiary of KIDI, performs a wide range of tasks to contribute towards the development of the insurance industry and the protection of insurance consumers
Among these tasks, perhaps the most fundamental is research. A variety of subjects are studied at KART including the damageability and repairability of vehicles to minimize repair costs, vehicle safety to minimize personal injuries from traffic accidents, and repair cost standards (repair time, method and paint costs). KART is also involved in the development and distribution of the electronic repair cost calculation and estimating system (AOS, Automobile repair cost On-line Service), and is responsible for the training of automobile insurance loss adjusters, etc.
In June 2012, to better serve its educational duties, KART unveiled its newest training facilities.Spread across an area measuring 2,889㎡, the new additions feature a workshop equipped with a first class vehicle repair shop,and a state-of-the-art dormitory capable of housing up to 60 trainees. These upgrades to KART are expected to improve training conditions for vehicle repair technique courses and claims adjustment courses, and enhance the overall quality of education provided.
Damageability & Repairability and Insurance Group Rating
Low speed crash impact tests at 15km/h, in accordance to testing standards specified by the Research Council for Automobile Repairs (RCAR), an international body of automotive research centers, are carried out to improve damageability and repairability so that a standard for reasonable repair costs can be set. The research results on vehicle structural performance and the analysis of repair costs help determine vehicle group ratings which are quoted when setting insurance premiums.
KART has conducted 64km/h frontal crash, whiplash research and various car-to-car tests. It contributes towards minimizing automobile related casualties by researching the means to improve passenger safety. Recently, KART is focusing on research on ADAS (Advanced Driver Assistance System)such as AEB (Autonomous Emergency Braking) and PAS (Parking Assistance System), which is expected to dramatically reduce vehicular crash accidents.
Repair Time Schedule
Research on the calculation of reasonable repair costs of a damaged vehicle involves taking factors such as the standard repair time, hourly labor rates and paint refinishing costs into consideration. Through such research, KART provides a fair and reasonable source of reference for calculating repair costs which is recognized by consumers, the insurance industry and repairers alike.
Automobile repair cost On-line Service (AOS)
The first electronic repair cost estimation system called the Automobile Repair Cost Computation (ARECCOM) was developed in 1991 for quickand accurate estimation of repair costs. The online version called AOS was developed in 2003 and has been distributed throughout the industry ever since. AOS users consist of insurers, repairers, auto-parts dealers, glass-parts dealers and rental car service companies. All claim engineers of insurance companies & mutual aids associations as well as approximately 90% of independent repair shops are using AOS. Over 70% of all claims that users deal with are handled through AOS.
KART offers training programs to insurance engineers in insurance companies, mutual aid associations, traffic police, and repairers.Its programs cover the following areas; new automobile technology, structural information of new automobiles, claim processing practice,repair practice, repair cost estimation, claim management techniques, accident analysis, etc. KART has trained 1,000 claim adjusters in the fiscal year of 2016.
Accreditation of Non-OEM Auto Parts
KART promotes the use of not only the accredited non-OEM auto parts but also the recycled parts by building a supply infrastructure.Through this new initiative, KART is playing its part in keeping vehicle maintenance costs down while giving more options to the consumer.
Accident Investigation & Consultation
Consultation services offered by KART include the investigation of accident causes and examination of the appropriateness of claim adjustment for insurance companies. It also provides objective evidence through mechanical failure analyses for accidents involving vehicle defects or recalls.It also offers consultation on issues such as over-repairing, cause of vehicle fires, and accident reconstruction through crash tests.In the fiscal year of 2011, KART has monitored the repair cost estimations for twenty claim centers.
Information & Publication
KART provides the latest information to insurers and the industry on new vehicles; appropriateness of spare part costs, statistic alanalyses and forecasts of vehicle repair costs, advanced claim processing and systems improvement, and the latest case studies from around the world. KART also cooperates with many overseas organizations and acquires new information by participating in various international events,such as the annual seminars hosted by RCAR, RCAR working groups (P-safe, Repairability, Damageability), and Technical Seminars with Japan’s JKC and China’s CIRI.