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(영문) 서울중앙지방법원 2020.06.24 2018가단5012257
보험금
Text

1. The defendant shall pay to the plaintiff KRW 94,278,332 as well as 5% per annum from May 9, 2019 to June 24, 2020 and from the next day.

Reasons

1. Temporary suspension of business: 7,894,494 won (no dispute exists);

2. 장애 일실수입 - C생, 사고일 2017. 3. 23., 사고 당시 32세 2개월 남짓 - 기대여명 : 52.61년, 가동연한 : 60년, 가동종료일 : 2046. 1. 2. - 월 평균 소득 3,889,721원 = [7,995,000÷3 (11,970,000 3,078,920-352,260)÷12] 원고 2020. 6. 3. 참고서면 2면. - 장애율 사고일로부터 휴업 일실수입을 받은 이후 2년간 29.16%, 이후 정년까지 8% 피고 2020. 5. 15. 참고서면 4면. ㈎ 2017. 5. 23.부터 2019. 3. 22.까지 22개월 3,889,721원×29.16%×20.8415(22.8290-1.9875)=23,639,304원 ㈏ 2019. 3. 23.부터 2046. 1. 2.까지 321개월 3,889,721원×8%×190.7099(= 213.5389-22.8290)=59,344,534원 ㈐ 합계 : 82,983,838원

3. Medical expenses of KRW 5,00,000 in the future (the defendant claimed the deduction of intermediate interest, but the period of payment has arrived since it was anticipated to be six months to one year at the time of appraisal).

4. Article 20 subparag. 3 of the Mutual Aid Agreement provides for the deduction of personal compensation I for government-guaranteed businesses. Meanwhile, Article 30 of the Guarantee of Automobile Accident Compensation Act and Article 20 of the Enforcement Decree of the Mutual Aid Agreement provided that the victim may directly claim the insurance company entrusted with the government-guaranteed business.

As a result, the Plaintiff received KRW 2,400,00,00 directly to the Defendant, the Plaintiff’s reference documents should be deducted from 1-1.

We do not accept the additional defendant's assertion.

Furthermore, the defendant is entitled to deduction of the insurance proceeds already paid (the amount of KRW 47 million was increased to KRW 6,916,940 (the data attached to the plaintiff's reference document 1-2)) according to the terms and conditions, and thus, it is not subject to deduction.

5. Calculation of loss of property = 93,478,32 won = 7,894,494 + 82,983,838 + 5,000,000- 2,400,000.

6. Condolence money: 800,000 won.

7. Conclusion 94,278,332

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