1. On January 25, 201, the Defendant (Counterclaim Plaintiff) caused by a traffic accident that conflicts with other vehicles among the left-hand turn turn turn.

1. Basic facts

A. The Plaintiff and the Defendant are insurance companies running non-life insurance business. On September 8, 2008, the Plaintiff concluded an insurance contract with the Defendant with the following content that allows the Defendant, the insured, to claim the payment of the insurance proceeds when the Defendant suffered bodily injury due to a sudden and incidental accident during the insurance period, lost its body as a direct result after recovering the injury, or its function has been permanently lost or its function has been permanently lost (hereinafter “instant insurance contract”).

The insurance type was concluded. The insurance contract number of the non-dividendized call insurance contract number: B insurance period from September 8, 2008 to September 8, 2049: the defendant's claim security contract: 10,000,000 won (the payment of subscription amount in the event of death or disability due to an injury, the subscription amount in the event of disability with less than 80% due to an injury x the payment rate of disability x the payment rate of subsequent disability) of the insurance contract of this case are as follows.

Article 14 (Compensation for Loss) (1) If the insured has suffered bodily injury (excluding physical assistance equipment, such as acceptance, clothing, bill, and chair), due to an accident which has occurred rapidly and well-known during the insurance period, the company shall compensate for the loss in accordance with the terms and conditions of this Agreement.

Article 17 (Insurance Money for Old Disability): (1) In case the insured was injured by an accident as prescribed in Article 14 (Compensation for Damages), and the company has, as a direct result, lost part of the body within two years from the date of the accident, or has lost its function permanently (hereinafter referred to as "after the accident"), and the payment rate prescribed in the Disability Classification Table (Annex I) exceeds 80%, and the latter disability (hereinafter referred to as "higher disability") as prescribed in the Disability Classification (Annex I) remains, the insurance amount stated in the insurance policy certificate (Insurance Policy) shall be paid to the beneficiary as the insurance money for old disability.

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