1. All of the plaintiffs' claims are dismissed.

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

1. Basic facts

A. C entered into an individual automobile comprehensive insurance contract (hereinafter “instant insurance contract”) with the Defendant, the insurer, by setting as “E” and “from March 11, 2013 to March 11, 2014, the insurance period as “E” with respect to the instant passenger car (hereinafter “insured automobile”).

The relevant provisions of the general terms and conditions of the instant insurance contract are as follows.

The scope of the insured shall be a person entitled to claim compensation from an insurance company and shall be as follows:

(1) The insured insured under this Clause is called "prestigious Insured".

(2) A person who uses or manages the insured motor vehicle as a relative to (2) live or live together as the named insured (the person who uses or manages the insured motor vehicle with the consent of the third insured).

(i) Provided, That in the case of personal compensation II or alternative compensation, if a person who runs the business of dealing with automobiles, such as automobile maintenance business, parking lot business, oil supply business, detailed car sales business, automobile sales business, automobile consignment business, etc. (if his employee and his director and auditor are juristic persons, including directors and auditors) uses or manages the entrusted insured automobile, he shall not be deemed as the insured.

(4) obtain the status corresponding to the employer of the named insured or the employer of the named insured under the contract.

(i) Provided, That the insured shall be limited to the time he/she is using the insured motor vehicle for his/her business.

(5) A person who is operating an insured automobile (including an assistant to a driver) for the insured as referred to in the above "(1) through (4) (including an assistant to a driver): Provided, That in the case of personal compensation I, it refers to the case where the liability of a motor vehicle owner is incurred under the Guarantee of Automobile Accident Compensation Act, and in the case of personal compensation II or other property compensation, the motor vehicle maintenance business, parking lot business, oil supply business, and rent business;