In South Korea, disputes over insurance payouts after converting vehicles into campers are increasing when owners notify only their insurance agent, not the insurance company itself. According to the insurance industry, notifying an agent does not fulfill the policyholder's duty to inform the insurer, as agents are not authorized to receive such notices on behalf of the company. The Supreme Court ruled in June 2006 that even if an agent knew about a significant change in risk, the insurer cannot be considered informed. If a vehicle's structure or purpose is significantly changed, such as converting a minivan into a camper, the insurer may terminate the contract within one month of learning of the change or deny a claim if the accident is related to the change. Owners are advised to confirm that the notification was actually registered with the company and to keep the reference number and processing result.
