B

Traffic Accident Insurance Claim Self-Assessment Tool

3.35

Derivation Chain

Step 1 Expansion of public traffic accident big data
→
Step 2 Increase in insurance claim disputes among traffic accident victims
→
Step 3 Pre-verification tool for insurance claim adequacy

Problem

Among approximately 300,000 traffic accident victims annually, the majority do not know whether the settlement amount offered by insurance companies is fair. Relying on insurance agents creates conflicts of interest, and lawyer consultations cost 100,000-300,000 KRW per case (approx. $75-$225). Due to lack of knowledge about appropriate compensation, victims frequently settle for amounts 15-30% lower than average.

Solution

By entering accident type (rear-end/side/pedestrian), injury area, treatment duration, and fault ratio, it calculates a fair settlement range based on past case law DB and insurance company payment cases. Differentiation: specialized in Korean traffic accident precedents, comparison of settlement patterns by insurer, and guidance on missing documents.

Target: Traffic accident minor injury victims (treatment 2 weeks to 6 months), drivers in their 30s-60s, and general citizens lacking insurance knowledge.
Revenue Model: Basic diagnosis free, detailed analysis report 19,000 KRW per case (approx. $14.25), monthly family plan 39,000 KRW per month (approx. $29.25).
Ecosystem Role: Consumer
MVP Estimate: 2_weeks

NUMR-V Scores

N Novelty
3.0/5
U Urgency
4.0/5
M Market
4.0/5
R Realizability
3.0/5
V Validation
3.0/5
NUMR-V Scoring System
N Novelty1-5How uncommon the service is in market context.
U Urgency1-5How urgently users need this problem solved now.
M Market1-5Market size and growth potential from proxy indicators.
R Realizability1-5Buildability for a small team with realistic constraints.
V Validation1-5Validation signal quality from competition and demand data.
Each dimension is scored 1-5 and weighted into grade S/A/B/C/D.
N=.15 U=.20 M=.15 R=.30 V=.20

Feasibility (70%)

Tech Complexity
29.3/40
Data Availability
20.8/25
MVP Timeline
20.0/20
API Bonus
0.0/15
Feasibility Breakdown
Tech Complexity/ 40Difficulty of core implementation stack.
Data Availability/ 25Practical availability and cost of required data.
MVP Timeline/ 20Expected time to ship a usable MVP.
API Bonus/ 15Bonus for viable public API leverage.
Total 100 points; below 50% is filtered out.

Market Validation (55/100)

Competition
8.0/20
Market Demand
9.4/20
Timing
10.0/20
Revenue Signals
10.5/15
Pick-Axe Fit
10.5/15
Solo Buildability
7.0/10
Validation Breakdown
Competition/ 20Signal quality from competitor landscape.
Market Demand/ 20Demand proxies from search and mention patterns.
Timing/ 20Fit with current shifts in tech, behavior, and regulation.
Revenue Signals/ 15Reference evidence for monetization viability.
Pick-Axe Fit/ 15How well the concept serves participants in a trend.
Solo Buildability/ 10Practicality for lean-team implementation.
Total 100 points; below 50 is filtered out.

Technical Requirements

Backend [medium] Frontend [low] Data Pipeline [medium]
Dashboard