This study analyzed whether the current evaluating methods of future medical costs in automobile insurance contract provision as well as that of court decision had been estimated fairly. From using the unit root test we found that the medical net discount rates are stationary series. We used net discount rate model for calculating future medical costs. We analyzed unfairness of the current calculating methods comparing with the result of more reasonable calculating methods in the actual two cases. From the result of this study we found that the current calculating methods are underestimate the real world and the magnitude of underestimate is more great in the case of Liebniz method.

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