2018년 상법 보험편 판례의 동향과 그 연구 (Study on the Insurance Law Cases of 2018)

서지정보

· 발행기관 : 한국금융법학회
· 수록지 정보 : 금융법연구 / 16권 / 1호 / 201 ~ 238페이지
· 저자명 : 장덕조

초록

이 글은 2018년도 상법 보험편 관련의 중요한 판결들을 엄선하여 연구한 것이다. 이러한 연구는, 실무에서 발생하는 최신의 보험법 판결들을 검토하며 의문이 가는 판례의 논리를 비판함으로써, 관련 법리를 정치하게 하는 계기도 될 수 있어 우리나라 보험의 법리를 진일보하게 하는 초석이 될 수도 있다. 2018년도 판결들 중 전원합의체에 의하여 과거 입장을 변경한 것은 없으나, 보험법의 다양한 주제들을 다루고 있으며, 논쟁의 여지가 되는 것들도 있다. 이 글은 고객보호의무로서의 설명의무, 타인을 위한 보험계약과 민법상 제3자를 위한 계약, 생명보험계약에서 보험계약자의 지위의 변경, 방어비용, 책임보험의 보험금청구권의 행사시기와 소멸시효의 기산점, 보장성 보험의 정의, 자동차보험약관에서 ‘정차’ 개념에 관한 해석 등의 판결들을 소개하고 연구하여 비판적 관점에서 평석하였다.

영어초록

It is a meaningful task to review and analyze the implications of the insurance-related decisions in 2018. This is the conclusion of this article.
First, it is confirmed that the insurer has a 'protection obligation' in the insurance transaction. In case of breach of the insurance contract, it is recognized that the liability of illegal act is established. It is significant that the insurer should explain through such means as using appropriate additional materials such as product manuals if it is not within insurance policy.
Second, if the insurance contract is nullified or canceled in an insurance contract for a third party, the ruling is that the insurer can exercise the right to claim for unfair advantage against the insurance money paid to the beneficiary. However, it is not reasonable to regard the legal nature as a type of contract for a third party under the civil law.
Third, changes in the status of policyholders in life insurance contracts may affect the interests of insured persons, insurance beneficiaries, or the maintenance of insurance contracts. Therefore, the conditions requiring the acceptance of insurer is considered valid.
Fourth, if the value added tax on the attorney fee paid by the insured person can be deducted from the sales tax or refunded, the holding that it can not be included in the defensive cost is reasonable and justified as precedent.
Fifth, it is the time when the insured person can exercise the right to claim the insured money in the liability insurance, and at that point, the holding that the liability of the insured person for damages is finalized is a judgment verifying the past position. In addition, the court ruled that the definition of protection-type insurance and the interpretation of the concept of "stop" in the automobile insurance policy are justified, and both decisions are meaningful.

참고자료

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