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(영문) 대전지방법원서산지원 2020.10.22 2020가합50500
채무부존재확인
Text

1. As to an accident described in the attached list (1), the plaintiff against the defendant according to the insurance contract stated in the attached list (2).

Reasons

A. The content of the security includes personal injury I, personal injury II, personal injury II, personal injury, personal bodily accident, injury caused by an non-insurance motor vehicle, personal injury, and personal vehicle injury. Among them, the insurance policy amounting to KRW 116,210,00, and the vehicle value amounting to KRW 111,830,000.

B. The terms and conditions of the instant insurance contract pertaining to the instant case are as follows.

In the context of the comprehensive terms and conditions for self-motor vehicle damage (hereinafter referred to as the "Special Terms and Conditions for Self-motor Vehicle Damage") Article 2 (Compensation for Loss), the insurance company shall compensate the insured for the damage directly incurred to the insured motor vehicle due to the following accidents that occur while the insured owns, uses, and manages the insured motor vehicle within the limit of the insurance amount stated in the insurance policy, and shall be in accordance with the standards of paragraphs

1. He shall compensate up to the insurable value, if the amount of damage insurance coverage caused by collision, contact, fall, destruction of vehicles, or flooding of vehicles exceeds the insurable value (*1);

Article 4 (Compensation for Non-Compensation) Any of the following damages shall not be compensated for its own vehicle loss:

The insurable value of the policyholder or the insured (*1) The insurable value shall not be the recent automobile standard value as determined by D at the time of the occurrence of the accident when the insurance contract was concluded in accordance with the automobile standard value table as determined by D.

However, if there is no standard value of the above vehicle, or if the value entered in the insurance policy has considerably exceeded the value as at the time of the occurrence of the damage, the value at the time of the occurrence of the damage shall be the insurable value.

C. On January 1, 2019, around 18:04, the instant vehicle: (a) an accident listed in the separate sheet (1) that fell down on the right side of the road in front of the Chungcheongnam-gun, Chungcheongnam-do (hereinafter “instant accident”); and (b) the instant vehicle was the instant accident.

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