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(영문) 서울중앙지방법원 2019.09.05 2018가합582345
채무부존재확인
Text

1. Regarding each accident listed in the separate sheet, 4,700,000 won are the Plaintiff’s obligation to pay insurance money to the Defendant.

Reasons

Basic Facts

The plaintiff is a company established for the purpose of non-life insurance business, etc., and the defendant is the owner of Jongno-gu Seoul Metropolitan Government Carryover D (hereinafter referred to as the "instant house").

The Plaintiff and the Defendant concluded an insurance contract on March 3, 2017 with the term of contract from March 3, 2017 to March 3, 2022, and from March 3, 2022, the Plaintiff and the Defendant concluded an insurance contract (name of goods: F; hereinafter “instant insurance contract”) with the insured as the Defendant, and entered into a special agreement for liability for compensation during the family life of KRW 100,000,000 for the insured as the insured’s housing used for residential purpose.

The main contents of the instant special insurance contract terms are as follows.

2-5. A company (Plaintiff) of the special terms and conditions of liability for damages in its daily life shall compensate for the damages sustained by the insured under the legal liability for damages sustained by the insured due to an accident listed below during the insurance period of this special terms and conditions set forth in the insurance policy, or by bearing legal liability for damages to other persons' property, in accordance with this special terms and conditions:

1. Accidents caused by the ownership, use, or management of a house listed in the insurance policy used by the insured for residential purposes.

1. Statutory damage compensation liable for the insured to be paid to the victim;

2. The following expenses disbursed by the contractor or the insured:

(a) In respect of the loss under Article 4 (Limits to Payment of Insurance Money, etc.)(2), I will compensate for the necessary or beneficial expenses disbursed by the insured to prevent or reduce the loss under Article 5(Duty to Prevent Loss)(1)1, as follows:

2.Paragraph 2(a) of Article 1.

Sub-paragraphs b)

or e.

Expenses under the following items: To compensate for the full amount of expenses.

Article 5 (Duty to Prevent Loss) (1) Insurance trouble.

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