1. The plaintiff's appeal is dismissed.

2. The costs of appeal are assessed against the Plaintiff and the Intervenor.

Facts of recognition

The plaintiff is the insurer who entered into the automobile insurance contract with B as to the automobile with B, which is a fraud, and the said automobile insurance contract includes the non-life insurance guarantee agreement.

The Plaintiff Intervenor (hereinafter referred to as the “ Intervenor”) is an insurer who entered into an automobile insurance contract with E and F vehicles, which are the children of B, and the said automobile insurance contract includes an automobile accident insurance policy.

The defendant is the owner of a vehicle with G wheels (hereinafter referred to as "Defendant vehicle").

B driven a motor vehicle without a license for a motorcycle, a non-registered driver’s license (hereinafter referred to as “B motor vehicle”) on June 7, 2015, while driving the motor vehicle at the entrance of the village in Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-si, Hocheon-si, Hocheon-do, and turn to the left at the T (T)-do-ro 2-ri intersection at Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-si, Bocheon-do, and driving the motor vehicle at the front side of the motor vehicle B, who proceeded to go directly from Bocheon-do-si, Bocheon-si, Bocheon-si, Bocheon-do.

(2) On September 14, 2015, the perpetrator B and the perpetrator I, the agent of the Defendant, prepared a written agreement (H and I drafted two copies of the written agreement on the same day, and collectively referred to as the “instant agreement”) stating that the perpetrator B will not raise any civil or criminal objection to the instant accident by mutual agreement, and the perpetrator B and I, the agent of the Defendant, as the Defendant. On September 14, 2015, the perpetrator: (a) drafted a written agreement with the victim as the Defendant; (b) drafted two copies of the written agreement on the same day; and (c) drafted a written agreement referred to as the “instant agreement”; and (d) on the back of the said agreement, “1. The perpetrator paid all the hospital expenses to the victim; (b) the victim received insurance from the perpetrator

3. The perpetrator and the victim agreed smoothly, and in any future, they stated that they will not raise civil or criminal objections.