2020년도 주요 보험판례에 대한 연구

다국어 초록 (Multilingual Abstract)

In the field of insurance law, there are many real cases and there are always many cases that are contested in courts because there is always room for dispute. It is also an area where new issues continue to emerge. In this paper, the main contents of the rulings sentenced in 2020 were reviewed. The weighted or expanded content of the duty to disclose should be explained. With regard to the interpretation of Article 479 (1) of the Civil Code on the order of provision for reimbursement, it is a position that it cannot be unilaterally determined differently from the same article, and Article 479 applies unless there is an express or implied agreement. When the heir becomes an insurance beneficiary, the heir s right to claim insurance money naturally arises from the effect of the insurance contract, and is not the inherited property, but the inheritor s own property. In accordance with this, the declaration of intention to renounce inheritance shall be distinguished from the waiver of claim rights. As long as the old beneficiary is legally changed to the new beneficiary, there is no legal benefit for the new beneficiary to seek the transfer of insurance claims to the old beneficiary because the new beneficiary becomes the claimant. In a performance guarantee insurance contract, the occurrence of an insurance accident should not be judged on the basis of formal events. Considering the purpose of the insurance contract, it is necessary to determine whether it is an insurance accident by judging whether the original contract debt default is applicable. It is not possible to apply a uniform standard as to whether the contract is invalid because the conclusion of multiple insurance contracts is an abuse of the insurance system, and whether the insurance amount is remarkably excessive, whether insurance premiums are excessive in the light of economic circumstances, or in a short period of time without reasonable reasons. It should be judged by comprehensively considering whether it is insured or not. Since the 3 major Data Acts have been passed, it is necessary to devise a plan to block multiple insurance subscriptions for fraudulent purposes in advance using AI and big data. If the company is a named insured, the company is liable as the car owner. Therefore, the pre-processor pays compensation for damages due to the negligence of the insured, the relationship between the insured s direct existence, etc. It should be seen that it is difficult to say that it cannot be conceived by the post-processor just because the procedure according to the provisions was not followed. In the event of an automobile accident, if the insured predicts an injury, but does not predict whether it will lead to serious consequences, such as death or plant humans, the intention must be denied. It is correct to strictly engrave the intentional meaning of being exempted from insurers. Originally, disability benefits must be received from the Labor Welfare Corporation under the Industrial Accident Compensation Insurance Act. However, if the insured does not apply for disability benefits and first claims total damages to the private insurance company and received it, the private insurance company should consider that the Corporation can conceive of the disability benefits that could have been paid from the Corporation. The contents different from Article 657 of the Commercial Act concerning the obligation to notify the occurrence of insurance accidents are subject to the insurer s duty to explain because they correspond to important terms and conditions. If it is not explained, the contents of the agreement cannot be claimed as the contents of the contract, and the part must be filled in accordance with discretionary laws and reasonable expectations. In the case of general cancer, if the diagnosis is confirmed by a person with a certificate of a specialist in pathology or diagnostic laboratory medicine, it should be considered that such diagnosis is required for

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