1. Facts of recognition;

A. The content of the terms and conditions on self-vehicle damage insurance contract of this case set forth as a comprehensive automobile insurance contract (hereinafter “instant insurance contract”) with respect to the insured Defendant, the insurance period from April 29, 2015 to April 29, 2016 with respect to the Dowon Industry Co., Ltd. and B ASEAN passenger car (hereinafter “the instant passenger car”). The amount of the insurance contract for self-vehicle damage is KRW 67,690,000 [minimum amount of damages: KRW 20,000 (minimum amount of damages, maximum amount of KRW 20,500)];

The insurer is the insurer which has entered into the insurance contract. The main contents of the terms and conditions on self-vehicle damage in the insurance contract are as follows. Under Article 21 (Compensation for Loss), the insurance company shall indemnify the insured for the damage directly caused to the insured automobile due to an accident that occurred while the insured owns, uses, or manages the insured automobile within the limit of the insurance coverage amount stated in the insurance policy, and at the risk of complying with the following criteria. The insured under Article 22 (Insurance) of the Self-vehicle Loss Act shall not be covered by the Insurance Policy. The following losses under Article 23 (Non-Compensation for Loss) shall not be covered by the "Self-vehicle Loss Act." 8. The defects, wear and tear, corrosion, melt, and other natural wear and tear caused by the insured automobile; 10. The amount of the insurance proceeds under Article 24 (Calculation of Payment Insurance Money) of the Self-Vehicle Loss Act, which are not directly related to the accident, shall be calculated in the aggregate of the amounts to be covered by the insurance proceeds and the insurance proceeds under Article 24 (Liability) of the Insurance Policy: