수면유도제 복용 사망과 고의사고 여부

Abstract

Today, the private insurance system complements the social insurance system operated by the state, and functions to mitigate the economic burden when accidents occur to the people. Especially in the modern age, various kinds of accidents are constantly occurring due to the development of science and technology. In particular, the import- ance of private insurance, especially the accident insurance, which plays a role of supplementing the social insurance system operated by the nation and providing the safety and economic safety plate to the people, is emphasized. It is not easy to judge whether this is an accidental accident when an unexpected accident occurs at all. At this time, the matter should be resolved by taking into consideration the attitude of the judicial precedent and opinion of scholars to the purpose of the accident insurance, suddenness, contingency, extro- version. At this time, it is also necessary to examine the cases of foreign countries comparatively and prepare them. In particular, intentional suicide is an excuse for injury insurance. The accident claim requirement and causal relationship should be verified by the claims holder. However, the burden of proof for suicide is borne by the insurer. The degree of proof is problematic. In relation to the degree of proof in insurance, it is not to say absolute accuracy, such as the proof of natural science or mathematics, that there is no possibility of objection, but it is recognized as saying that it is highly probable to believe that it is true in everyday life of ordinary people. In the case of the problem, the insured teacher was at school on the day of the accident, and was not seen from the second period. He called his colleague at about 11:35 and asked to enter the fifth class instead of telling others. The black box confirmed that there was a driving record from 12:17 to 13:25 on the day and entered the death point. When the insured did not return home until the next day, the claimant filed a report of disappearance with the police. The insured person was found dead on April 26, 2018 in his driver's seat, and the autopsy results suggest that the cause of death is a drug addict due to the induction of sleep inducing agents. It is confirmed that there is a lot of debt in the state where there is no chronic disease. However, our courts are asking for a suicide certificate so that there is no reason to doubt the possibility of suicide. Therefore, according to the criteria, it is hard to see that the insurer has done the proof of suicide in the end. Therefore, in this case, injury death benefit insurance should be paid. In the future, there will be a constant need to type the cases to give predictability of whether or not the accident incidence require- ments are met.