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🚖 Dalbam Taxi | Insurance Fraud: That Ambiguous Boundary Where It Might Not Be Fraud or It Might Be Fraud Hello, this is Dalbam Taxi. Today, I would like to talk about a story that suddenly came to mind while I was driving silently alone during the early morning hours: **"Insurance Fraud," which taxi drivers fear the most**. An accident is an accident, but determining whether it was truly an accident or a situation intentionally created by someone is incredibly difficult for us drivers. Fighting it legally takes time and money, and prevents us from working during that time. So, in the end, we often end up swallowing our bitterness and settling it in cash, or processing it through insurance and accepting the premium surcharge. 📍 A real-life case involving a younger acquaintance of mine (a private taxi driver) that occurred near Manjjit-gil in Seomyeon, Busan. While driving on a narrow street, the moment he stepped aside to let an oncoming car pass, the arm of a pedestrian walking beside him brushed against the side mirror. My friend didn't even realize it, but a few days later, he received a call from the police station. "A report has been filed regarding a hit-and-run." If you look at the video, I passed by at a speed of less than 10 km/h, similar to a person's walking pace. However, the other party demanded a detailed medical examination, and in the end, the settlement was settled at a total of 1.2 million won: 400,000 won for hospital bills plus 800,000 won in compensation. On top of that, there was a 50,000 won fine for violating the duty of safe driving. Although the hit-and-run charge was ultimately not recognized, the accident remains an accident. I even posted about it on Han Moon-chul TV, but the lawyer's response was, "It wasn't a hit-and-run, but an accident is an accident." 📍 Let me share my own experience. In a one-way alley in Seomyeon, a pedestrian walking in the same direction bumped my side mirror with their arm as they passed. The other person had clearly moved out of the way toward the car. Yet, right there and then, they said, "It hurts, I need to go to the hospital, please handle this through insurance." In the end, I transferred 200,000 won in compensation on the spot. Because processing it through insurance would only make things more complicated. ⚠️ Suspicious Insurance Fraud Patterns Taxi Drivers Must Know First, minor collisions on pedestrian-priority roads, narrow alleys without center lines, or in entertainment districts. Second, passengers demanding insurance coverage claiming "back pain" after a bump over a speed bump. Third, claims that a passenger was injured after being thrown forward during a sudden stop. Fourth, cases of immediate hospitalization following a minor collision with an elderly person collecting discarded paper. The reason individual taxi drivers are particularly targeted is that fraudsters know they are highly likely to choose cash settlements to avoid insurance premium surcharges. They are truly malicious. ✅ Advice from Dalbam Taxi: Stop your vehicle unconditionally in ambiguous situations. Legally, a stationary vehicle is completely different from a moving vehicle. Also, your dashcam is your only witness. Always inspect it and check the camera angle. When carrying a passenger, be sure to slow down before speed bumps and avoid sudden braking as much as possible. People who create accidents while pretending they aren't, and our taxi drivers who are unfairly victimized in that ambiguous boundary. I hope this video is of at least some help to you. 🎙️ Dalbam Taxi delivers vivid stories from the field as we drive through the night streets of Busan. Whether you are a novice or a veteran driver, please always drive safely and have an accident-free day. 👍 If you found this video helpful, please like and subscribe. 💬 If you have had similar experiences, please share them in the comments. We might feature them in the next video. Private taxi, Corporate taxi, Busan taxi, Lee Young-min's Private Taxi, Preparing for a private taxi, Starting a taxi, Busan private taxi, Busan corporate taxi, Cooperative taxi, Association taxi, Private taxi license, Makgapa TV, Boong Boong Taxi, Evans Taxi, YCC, YCC Taxi, Tasman, Tasman Theater, Second half of life, Songdo Dong Weasel, Taxi Man Driving Log, Taxi Man, Hoho Ajae TV, Beginner taxi, Taxi driving, Acquiring a private taxi license, Taxi side job, Concurrent private taxi business, Taxi suspension, Permit for private taxi suspension, Taxi license revocation, Transfer of private taxi license, Taxi Transport Business Act, Private taxi income, Busan taxi driver, Life as a taxi driver, How to prepare for a private taxi, Preparing for a taxi license, Private taxi challenge, Taxi investment, Busan taxi information, Seoul taxi, Gyeonggi-do Taxi, Ulsan Taxi, Daejeon Taxi, Gwangju Taxi, Daegu Taxi, Daejeon Taxi, Yangsan Taxi, Changwon Taxi, Gimhae Taxi, Taxi YouTuber, Taxi Tube, Taxi Monthly Earnings, Beginner Taxi Driver, Tax...