Type 'rear-ended while waiting at intersection' and get your fault ratio instantly

The Korea Non-Life Insurance Association on Thursday announced a full overhaul of its auto accident fault-ratio information portal, aimed at making the service easier to access and navigate.

The redesign centers on four changes: a revamped main screen, an upgraded fault-diagram search function, readability-focused design improvements and optimized mobile web service. The association said the goal was to help users find the information they need more quickly and easily.

The main screen has been reorganized around the most frequently used menus — fault-diagram lookup, accident review status inquiry and fault-ratio search rankings — reducing the number of steps needed to reach each service. A new "Sonbomi" chatbot has been added to the lower right corner of every page, allowing users to search for fault ratios instantly from anywhere on the site.

The fault-diagram search function has also been significantly upgraded. Users can now describe an accident in plain, everyday language — for example, "I was rear-ended while waiting at a red light at an intersection" — and the system will recommend the most relevant fault diagram. The previous method required users to select multiple accident characteristics simultaneously. The new keyword-click system lets users search step by step instead.

Readability has been improved through adjustments to typeface, text size, line spacing, color contrast, alignment and button size. The portal now delivers the same user experience on mobile as on desktop, allowing people to access the service regardless of where they are.

The association's "Auto Accident Fault Ratio Recognition Standards" is the only official reference of its kind in South Korea, compiled on the basis of court rulings, statutes and dispute-mediation cases. It is grounded in Annex 15 of the Financial Supervisory Service's insurance business supervision rules — Annex 3 of the standard auto insurance policy terms — and draws on court precedents, laws and dispute-resolution cases.

"We will continue working to improve the convenience of insurance consumers' access to information and to provide timely updates," an association official said. "We also plan to refine fault-ratio standards in response to the changing traffic environment and to pursue ongoing system improvements by incorporating consumer feedback."