beta
(영문) 광주지방법원 2019.11.15 2019가합56802

보험금

Text

1. All of the plaintiffs' claims are dismissed.

2. The costs of lawsuit are assessed against the plaintiffs.

Reasons

1. Basic facts

A. On July 9, 2010, Plaintiff A married with Nonparty F, and Plaintiff B (G birth), C, and D (child birth) are Plaintiff A and F’s children. 2) On December 24, 2014, Plaintiff A entered into an insurance contract with Defendant F with the insured (hereinafter “instant insurance contract”).

Of the instant insurance contracts, the amount of insurance coverage of the General Injury Death Clause is KRW 300,000,000, and there was no separate designation of beneficiary at the time of death.

3) Of the terms and conditions of the instant insurance contract, the contents relating to this case are as follows. Article 2 of the General Terms and Conditions (the definitions of terms used in this Agreement shall be defined as follows, unless otherwise defined in other provisions of this Agreement:

2. Terms related to the reasons for payment;

(a) Injury: He/she shall not inflict an injury on his/her body due to a sudden and incidental accident that happens during the insurance period;

Article 6 (Reasons for Not paying Insurance Money) The Company shall not pay Insurance Money when any of the following grounds arises:

1. The insured has intentionally impaired himself/herself: Provided, That I shall pay insurance proceeds when the insured has impaired himself/herself under the condition that he/she is unable to make a free decision due to mental disorder, etc.;

1-2. General Injury and Death Clause 1-2-1. General Injury and Death Clause 1-2-1. General Injury and Death [Renewal] Company 1 (Grounds for Payment of Insurance Money) shall pay the full amount of the insurance amount of this Special Clause to the beneficiary (the legal heir of the insured if the beneficiary is not designated as the beneficiary) if the insured dies as a direct result of the injury during the insurance period of this Special Clause.

Article 9 (Provisions Applicable Mutatis Mutandis) Any matter not stipulated in this Special Terms and Conditions shall be at the risk of complying with the General Terms and Conditions.

(Sicker omitted)

B. The occurrence of death accidents and the inheritance of the plaintiffs 1F around March 22, 2017, are Wanju-ro 73, Nam-gu, Gwangju around 21:10.