자동차손해배상보장법상 압류․양도 금지 조항에 관한 소고 (A Study on the Prohibitive Provisions of Seize or Assignment in Act on Guarantee of Compensation for Loss Caused by Automobile)

서지정보

· 발행기관 : 보험연구원
· 수록지 정보 : 보험금융연구 / 27권 / 3호 / 45 ~ 80페이지
· 저자명 : 김성완

초록

자동차손해배상보장법에서는 직접청구권, 가불금청구권 및 보장사업청구권에 대하여압류 또는 양도할 수 없음을 규정하여 피해자의 청구권을 제도적으로 보장하고 있다.
하지만 위 청구권의 압류 또는 양도금지 조항이 책임보험에 한정하여 적용되어야하는지, 피해자에게 지급된 보험금도 포함하는지 및 피해자의 적정치료를 위하여사고당시 보험자가 의료기관에 지불보증을 하여 의료기관에 직접 보험금을 지급하는행위가 양도에 해당하는지 등 금지조항과 관련한 여러 분쟁이 있다.
따라서 이글에서는 자동차손해배상보장법에서 규정한 압류 및 양도금지 조항과 관련한쟁점에 대하여 필자의 의견을 개진하고 개선안을 제시하였다. 자동차손해배상보장법제40조에서 규정하는 위 청구권에 대하여 압류 및 양도를 금지한 조항은 피해자보호를위하여 자동차손해배상보장법에서 특별히 규정하고 있는 것으로써 이 조항을 적용함에있어서 피해자의 권익을 우선하여 적용되어야 할 것이며 그 적용에 있어 피해자의형평에 치우침 또한 없어야 할 것이다.

영어초록

To protect victims of automobile accident, there are several rights of claim in Act on Guarantee of Compensation for Loss Caused by Automobile. First of all, the direct right of action in liability insurance was established by Commercial Law(Article 724) and Act on Guarantee of Compensation for Loss Caused by Automobile(Article 10). Second, the temporary payments right of action was established by Act on Guarantee of Compensation for Loss Caused by Automobile(Article 11).
Finally, government compensation right of action to make compensation for victims from car accident by hit-and-run or uninsured driver was established under the Article 30 in the Act on Guarantee of Compensation for Loss Caused by Automobile.
Furthermore, the Act on Guarantee of Compensation for Loss Caused by Automobile guarantees the claims of the victims in the institutional regulations cannot be seized or assigned with respect to the above three rights. However, there are several disputes related with prohibitive provisions of seize or assignment; for example, it needs to be applied to limited liability insurance, be included the insurance payments to victims and be applied the assignment of the deed of the insurer guarantee to pay directly to the medical institutions for the proper care of the victims.
Therefore, this article looked through the direct right of action, the temporary payments right of action and the government compensation right of action, and then this paper put forward my opinions and suggested improvements about the point in dispute related with prohibitive provisions of seize or assignment regulated in the Act on Guarantee of Compensation for Loss Caused by Automobile. The Act provisions prohibiting the seizure and assignment with respect to the above rights prescribed in Article 40 will have to be applied by the interests of victims and in applying these provisions will also be no bias in the equity of the victims.

참고자료

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