1. The defendant's appeal is dismissed.

2. The costs of appeal shall be borne by the Defendant.

Purport of claim and appeal

1..

1. Basic facts

A. Hyundai Liber Damage Insurance Co., Ltd. (hereinafter referred to as the “Modern Cargo Insurance Co., Ltd”) concluded a car insurance contract (hereinafter referred to as the “instant insurance contract”) with the insured and B B B (hereinafter referred to as the “Plaintiff”) as an insured automobile with the following contents:

Article 2 (Composition of the Insurance Contract of this case) ① The Insurance Contract of this case consists of six categories of guarantee items and special terms and conditions of the Insurance Contract of this case, which are sold by the Insurance Company. The Insurance of the HA car to be sold by the Insurance Company is composed of Section I of the Personal Compensation I, the Personal Compensation II, the Personal Compensation Act, the Personal Compensation Act, the Personal Body Accident Act, the Injury by Non-Insurance Vehicles, and the Personal Vehicle Loss Act.

Article 12 (Compensation for Loss) In the Act on Self-Physical Accidents, an insurance company shall be bound to compensate for any loss incurred while the insured owns, uses, and manages an insured motor vehicle due to any of the following accidents:

1. The types and limits of insurance proceeds that an insurance company pays under Article 15 (Types and Limits of Insurance Money) of the Accident Caused by Operation of Insured Motor Vehicles shall be as follows:

2. Injury: He shall be limited to the amount of insurance coverage stated in the table of amounts of injury classification and of amounts of insurance coverage in the attached Table 3, in a case where the insured requires medical treatment as a direct result of the insured's injury.

However, if an insurance company compensates for a part of the insured's loss, it shall acquire its rights to the extent that it does not infringe on the rights of the insured.

(2)