운전자보험 약관 해석에 관한 타당성 검토 - 방어비용 담보 특별약관을 중심으로 -

Abstract

Latest drivers for insurance in the case of some insurance companies toescape, drinking, driving without a license as a result of appeals filed, regardless of when the defense costs (cost of a lawyer) to refuse to pay for the insurance and there are often problems. That the driver's insurance indemnity insurance policy "to escape out the insured accident, drinking, driving without a license when" he enumerates the criminal and the criminal activity or criminal offenses that the final judgment on whether the court's ruling should be interpreted jindago appointed by the insurance company, even though one of the causes of traffic accidents, if applicable disclaimer acquitted by the court even if the final judgment, regardless of the result of appeals filed in this cause damage worth of defense costs caused by the need not to pay claims that a disclaimer be arbitrarily stretch. But here's "escape, etc." prosecuted and found not guilty by reason of indemnity received, even if the actual terms and conditions that would pay defense costs, so that it goes against the original purpose of insurance, in fact, notthe contents of these reasons is rejected if the insurance payments policyholder and you have to interpret and apply the terms and conditions too unfavorable terms as the violation of Article 5 of Regulation invalidity insurance payments that he should be seen. Terms of defense costs as well as a special prize mortgage indemnitycompensation for the damages and interpreted differently by non-life insurers in terms of a unified standard for the interpretation that the driver of the insured insurance defense costs (cost of a lawyer) if you received it by being charged protect the interests of policyholders than the need to thicken itgetda. This indemnity agreement in the future, even the rights of the insured to the insurer unreasonably limit the financial authority to interpret the terms of these issues will need to be constantly checking and improving.