1. The plaintiff's appeal is dismissed.

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

The purport of the claim and appeal is the purport of the appeal.

1. Basic facts

A. The Plaintiff and the Defendant engaged in non-life insurance business, etc., and the Plaintiff entered into an automobile insurance contract with respect to B vehicles from November 23, 2015 to November 23, 2016, to which the insurance period for B vehicles with A is from November 23, 2015, and to which the special agreement for coverage by non-insurance vehicles (200 million won) applies.

With respect to C vehicles, the Defendant entered into an automobile insurance contract with the Defendant from August 11, 2015 to August 11, 2016, to which the coverage period is from August 201, 2016, and which is subject to a special contract for injury security (influence amount to KRW 200 million) by non-insurance vehicles.

B. According to each automobile insurance contract entered into between A and the Plaintiff and the Defendant, each of the special terms and conditions for driving security of another automobile automatically applies to the case of concluding an accident-free automobile agreement. The special terms and conditions for driving security of another automobile shall be deemed to be an insured automobile under the ordinary terms and conditions for the other automobile driven by the insured, and shall be deemed to be the insured automobile under the conditions stipulated in the ordinary terms and conditions, if the insured is legally liable for damages due to a large-scale accident or a physical accident that occurred while driving another automobile.

C. On November 30, 2015, around 02:00, A driving a D vehicle at the upstream-dong of Daegu Suwon-gu (hereinafter “instant D vehicle”) and caused an accident to shock the E vehicle operating along the lane adjacent to the care of the father (hereinafter “instant damaged vehicle”) (hereinafter “instant accident”), thereby, the instant damaged vehicle was destroyed.

The Plaintiff: (a) caused the instant accident while driving the instant sea vehicle, which is not the foregoing insured vehicle; and (b) in view of the fact that the Plaintiff was obligated to pay insurance money in accordance with the special terms and conditions of the automobile driving security, the Plaintiff paid KRW 28,833,00 as insurance money.

[Ground of recognition] dispute.