Starting Sept. 10, patients with minor auto-accident injuries classified as grades 12–14, including sprains and simple contusions, must undergo a medical review to continue treatment beyond 8 weeks. They must submit a medical certificate, treatment records and a personal-information consent form to their insurer within 7 weeks of the accident; imaging CDs are required when such tests were conducted, but new scans are not. The insurer forwards the materials to the Korea Insurance Development Institute, which communicates the result within 7 days. Infants, young children and pregnant women are generally exempt, while patients with grades 1–11 injuries are outside the review requirement. Future medical expenses will be paid only to moderate-to-severe injury patients when future treatment needs and costs are objectively supported. Minor-injury patients will instead receive coverage for actual treatment costs until care ends. The Financial Supervisory Service said the changes aim to reduce payout leakage and limit premium pressures as auto-insurance losses widen and minor-injury treatment costs rise.