A. (1) The Plaintiff concluded an automobile insurance contract with B by setting the insured period as from January 6, 2015 to April 14, 2015 with respect to the vehicle C (hereinafter “Plaintiff”) between B and B.

(2) Around 12:40 on March 28, 2015, D driving the Plaintiff’s vehicle and driving the Plaintiff’s vehicle in front of the front door of the Nowon-gu New Port and Port Logistics Center, Changwon-gu, Changwon-gu, Changwon-gu, Seoul Special Metropolitan City (hereinafter “instant insurance contract”). Around 12:40 on March 28, 2015, the Defendant’s vehicle was damaged thereby.

(3) According to the terms and conditions of the instant insurance contract, the payment criteria for the insurance proceeds for the substitute damages are as follows.

Items Payment Criteria Expenses and Repair Expenses

(a) Persons eligible for payment: Where they are repaired as possible;

(b)Limit (iii) limit: the sum of the cost of repairs and heat treatment painting shall be paid up to 120 per cent of the immediately preceding value of the damaged material;

(a) Object of payment: (a) Where the damaged material falls under any of the following items (i) where the cost of repair is scrapped without repairing it in excess of the value immediately preceding the accident amount of the damaged material:

(b) Standard amount (1) equivalent to the value of the product immediately preceding the accident (2) reasonable costs and loans for actual use of the same kind of substitute product equivalent to the value of the product immediately preceding the accident;

(a) Object: Where it is necessary to use on behalf of another motor vehicle in the same infant for the period of non-business motor vehicle (including construction machinery) damaged or spoiled;

(b) In cases of borrowing and lending a motor vehicle: Ordinary fees required to borrow the same type of motor vehicle on the basis of the time of borrowing only the motor vehicle, in cases of a motor vehicle which can be used as a substitute for a rental motor vehicle;

(c)the recognition period (1) if acceptable: the repairs will be completed;