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(영문) 수원지방법원 2016.05.13 2015가단46276
손해배상(자)
Text

1. The Defendant: (a) 5% per annum from January 29, 2014 to May 13, 2016 to Plaintiff B, and the following:

Reasons

1. Facts of recognition;

A. The Plaintiff B is the owner of C 200-type Baging Baging Vehicle (hereinafter “Plaintiff”) and Plaintiff A is the husband of Plaintiff B.

B. On December 2012, Plaintiff B entered into a comprehensive automobile insurance contract with the Defendant via an insurance solicitor D (hereinafter “instant insurance contract”) with the Defendant with the following major contents, and paid all the Defendant KRW 3,305,000, including the insurance premium (based on the subscription form) related to the security for self-vehicle damage.

Insurance coverage period: From December 28, 2012 to December 28, 2013, the insured: The insured’s matters covered by the Plaintiff: Guarantee for self-vehicle damage (hereinafter referred to as “insurance proceeds for self-vehicle damage”) for the Plaintiff’s vehicle: 14,200,000 won (the value of the vehicle, the amount of KRW 7,100,000, the attached value of KRW 7,100,000) for the insured vehicle - The insurance company shall compensate the insured for the damage caused by the theft of the whole insured vehicle within the insurance coverage amount set forth in the insurance policy while the insured owns, uses, and manages the insured vehicle.

Provided, That if the amount of insurance coverage exceeds the insurable value, it shall be compensated within the insurable value.

In such cases, parts and accessories ordinarily attached to or stored in an insured automobile shall be deemed part of the insured automobile.

- The term “insurance value” means the latest automobile standard value determined by the Insurance Development Institute at the time of the occurrence of an accident when an insurance contract was concluded in accordance with the vehicle value standard table set by the Insurance Development Institute.

However, in the event that the above vehicle standard value does not exist or an insurance contract was concluded with any other value, if the value entered in the insurance policy significantly exceeds the value at the time when the damage was incurred, it is the value at the time when the damage was incurred.

-Calculation of Insurance Money: The cost of loss incurred by the insured motor vehicle in this case shall not be the corresponding cost. - The self-payment stated in the insurance policy shall be the case.

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