(영문) 광주지방법원순천지원 2014.09.24 2013가합1922

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(영문) 광주지방법원순천지원 2014.09.24 2013가합1922

보험금

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1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

Reasons

1. Basic facts

A. B entered into an insurance contract with the Defendant on July 18, 2006, with the following: (a) the Defendant: (b) the Love 0605 (hereinafter “instant insurance contract”).

Insured: Beneficiary of the insurance proceeds from the injury of the Plaintiff: the insured period: From July 18, 2006 to July 18, 2016: 10 million won of the residual disability.

B. The main contents of the instant general terms and conditions of insurance are as follows.

Section 13 (Compensation for Damages) of the General Terms and Conditions (Indemnification) refers to the defendant. In the event that the insured, as stated in the insurance policy, suffers bodily injury from a sudden and incidental accident during the insurance period, the insured is bound to compensate for the damage resulting from the injury in accordance with the Terms and Conditions.

Article 16 (Insurance Money for Injury after Injury) (2) In case the insured has suffered from injury due to an accident as prescribed in Article 13, and the injury has been cured, and the company has left as a direct result of the accident the rate of payment specified in the Disability Classification Table within two years from the date of the accident, the company shall pay to the beneficiary the amount calculated by multiplying the insurance amount of the ordinary terms by the rate of payment determined in the Disability Classification Table, as the insurance amount of the general terms and conditions, if there has been a disability the rate of payment of which is less than 80%.

Article 31 (Designation of Beneficiary) The contractor may designate the beneficiary, and if the beneficiary is not designated, he shall be the insured in the case of Article 16.

[Attachment I] Disability Classification Table

1.(1) Definition of Disability means a state of damage to a permanent mental or physical body remaining in the body after recovery of the injury or disease. (3) The term “after recovery” means a state in which the effects of treatment for the injury or disease cannot be expected and the symptoms of which are fixed;

6. Payment rate of disability in spine, etc. 4) vertebral (the bones, etc. 4).

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