법률서비스 보험제도 연구 = Research on the Legal Services Insurance
저자
발행기관
학술지명
권호사항
발행연도
2020
작성언어
-주제어
자료형태
학술저널
수록면
1-278(278쪽)
제공처
When legal conflicts arise, we ask a legal expert to weigh in, or resort to a civil suit. As a result, legal expenses such as litigation costs and attorney’s fees incur. Legal services insurance is a system that guarantees coverage of the cost of legal services, such as litigation costs, attorney’s fees, etc. that arise to resolve legal conflicts. It is similar to the health insurance that guarantees medical expenses when diseases and injuries occur. People protect and realize their own rights through legal services. As protection and realization of rights are requirements to live with human dignity, those who are unable to afford to pay for legal services shall be provided with them. The state provides litigation aid and legal aid system as part of the social security system to ensure that the underprivileged receive legal services. When a legal conflict occurs to the middle-income households, they may not benefit from litigation aid or legal aid programs, but must pay litigation costs or attorney’s fees at their own expense. In the capitalist economy, legal services insurance is a way to reduce costs and efficiently obtain legal expenses against this risk. Legal services insurance is an indemnity insurance and a cost insurance (passive insurance). Legal services are usually characterized as credence goods. Since legal services users do not have adequate expert knowledge or information about legal services, there is an asymmetry of information between them and legal services providers. From the standpoint of law and economics, it is deemed similar to the cause of principal and agent prob lem, resulting in moral hazard and adverse selection. These problems are almost the same as those that arise with health insurance, hence the solutions discussed in health insurance issues may have great implications in solving the problems of legal services insurance. Legal services insurance is mainly active in Germany, the United States, and Japan, and its characteristics have to do with each of the country’s civil lawsuit system. In Germany, litigation costs and attorney’s fees are enacted as rules in civil procedures, which activates insurances protecting rights that pays out insurance benefits against insurance risks incurring legal expenses. Meanwhile, in the U.S. civil procedures, litigation costs are low and attorneys provide services on a contingency fee basis. Accordingly, insurances are not designed to cover litigation costs nor attorney’s fees, but structured to provide legal services in the ordinary and comprehensive scheme. Furthermore, as welfare system for workers developed, legal services insurance for mutual benefit, adopted by organizations, such as labor unions, has evolved. In Japan, attorney’s fees insurance has become widely popular recently. Japanese legal services insurance distinguishes the contingency liability from the general liability. The Japan Lawyers Association actively responds to attorney’s fees insurance, and introduces attorneys through the Legal Access Center. In this way, legal services insurance in Germany, the U.S., and Japan is protecting rights and enhancing access to justice. Domestic insurance companies in Korea have sold legal services insurance as a stand-alone product since 2009, but it is currently unavailable due to the decline in sales. There are several reasons for poor sales results: a lack of product and legal awareness; low insurance premiums that make it difficult to sell legal services insurance as a stand-alone product; and the fact that there exist many insurance products that cover legal conflicts, considering them as an insurance risk, etc. Considering that there has been a considerable increase in the number of Korean lawyers and civil cases on the merits, the preconditions for legal services insurance have been satisfied, and the national concern and need for drivers insurance, which is a criminal defense expenses insurance against traffic accidents, is on the rise, it is time to discuss the problems and improvements in implementing legal services insurance. abuse of legal services, thereby warding off moral hazard; and as regards the coverage, guarantee the legal costs to resolve common legal issues, providing insurance products to protect especially the rights of the aggrieved party. To disseminate legal services insurance, it is necessary to adopt it as part of the terms or as a special agreement of an auto insurance or a liability insurance that are commonly accepted already.
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