1. With respect to the accident described in the separate sheet, the obligation to pay the insurance money to the Defendant of the Plaintiff’s succeeding intervenor.

1. Basic facts

A. The Plaintiff concluded a comprehensive automobile insurance contract (hereinafter “instant insurance contract”) between April 23, 2014 and April 23, 2015 with respect to the instant vehicle for the passenger car B and Ireland (hereinafter “instant vehicle”).

B. The term “ordinary Terms and Conditions” in the instant insurance contract provides that, with regard to the payment of the insurance money referred to in Section II, the term “the insured shall not compensate for any damage caused by an accident that occurred when the insured person himself/herself has driven without a license or when the driver of an insured motor vehicle has driven without a license under the explicit and implied approval of the named insured (hereinafter “instant non-exclusive terms and conditions”). The term “the instant non-exclusive terms and conditions of driving limited to the age limit” in the instant insurance contract (hereinafter “instant special terms and conditions”) provides that “the Company shall not pay the insurance money for any accident that occurred while a person under 26 years of age is driving the insured motor vehicle according to this special terms and conditions.” This special terms and conditions do not apply to the personal compensation I.

C. D (E) around 08:22 on September 3, 2014, without a driver’s license, under the influence of alcohol of 0.090%, D (E) caused the instant vehicle’s shocking of street trees on the right side of the instant vehicle (hereinafter “instant accident”), while driving the instant vehicle at a 0.090% alcohol level, and driving the instant vehicle on the front side of G farm located in F (F), due to the negligence of neglecting the duty of front-round watching care, etc., while leaving the road, and leaving the road, caused the instant vehicle’s shocking of street trees on the right side of the instant vehicle (hereinafter “instant accident”). Accordingly, the Defendant, who was on the front side of the instant vehicle, suffered injury, such as damage of breast-ray trees (hereinafter referred to as “the front half part”).

The Defendant claimed insurance money from the Plaintiff due to the instant accident, and the Plaintiff is the Plaintiff.