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(영문) 서울중앙지방법원 2017.03.08 2014가단5354441
보험금
Text

1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

Reasons

Basic Facts

On June 21, 2012, the Plaintiff entered into an automobile insurance contract with the Defendant, an insurance company, by making the contractor and the insured as the contractor and the insured with respect to the re-concepted XF3.0D Luxury Motor Vehicles (hereinafter “Plaintiffs Motor Vehicles”) on its own.

(B) From the following day, the part related to the instant insurance among the coverage of the instant insurance is divided into death, injury, and disability. Of them, the amount of insurance coverage is KRW 15 million, and the amount of insurance coverage for self-motor vehicle damage is KRW 74.9 million.

In the case of the insurance of this case, a pledge is established in the new card for the insurance claim for the part of self-vehicle damage.

In the insurance policy of this case, the vehicle value of the Plaintiff vehicle is KRW 74.9 million.

The terms and conditions of the instant insurance are as follows.

Ⅱ. Personal and physical accidents caused by each type of security;

1. (i) The insurance company shall compensate for any loss caused by an insured motor vehicle accident which occurred while the insured owns, uses, or manages the insured motor vehicle;

The limits of insurance proceeds that the insurance company pays to its own physical accidents are as follows:

① Death ② In the event the insured requires the treatment of the doctor as a direct result of the injury, the injury seems to be erroneous. The insurance amount under the “Standards for Payment of one Injury Classification” of the “Standards for Payment of one Injury and the Amount of the insurance coverage by grade” is limited to the insurance amount under the “The Table of Amount of Insurance Coverage”. ③ The insurance amount for the death, injury, and the remaining disability will be calculated in the following methods:

Insurance money to be paid = Actual amount of damage - deducted amount.

(a)the actual amount of damage is set off by negligence with the amount calculated in accordance with the criteria for payment of injury by a substitute, an injury by an automobile, or an insured automobile; and

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