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학제간연구 과학기술학 뇌인지과학 기술정책 기타 복합학

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논문 기본 정보

자료유형
학술저널
저자정보
저널정보
한국기업법학회 기업법연구 기업법연구 제18권 제1호
발행연도
2004.9
수록면
9 - 26 (18page)

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초록· 키워드

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In an insurance law, I consider the meaning of an insurance accident and the theory of insurance law about relation between the presentation duty of an insurer and an accident and a property damage of an insurance, explaining the meaning of the insurance accident related to nonlife insurance and life insurance, especially investigating a sense of nonlife insurance. There is a question if the significance of the insurance accident is sufficiently illustrated by the definition, though the insurance accident was usually defined a mishap based on the embodying and drafting the presentation duty of an insurer There is also a trouble that it is accounted in the case of not maternalizing or drawing up the presentation duty of an insurer regardless of an occurrence of an insurance accident. Therefore centering around a theory of Korea, Japan, and Germany about it, I look into a doctrine of the legal point of view - the purport of an insurance accident - connected with it. Generally speaking the pitch of the contents is as follows. That is 'what the insurer promises an insured person to allow an insured amount in the case of an accident', or 'an accident that a liability of an insurer is concreted in an insurance contract', or 'an indeterminate incident, a risk, that an obligation of an insurer is given shape'. Besides, there is 'a fixed accidental fact, a cause the insurer is responsible for a compensation' - a happening or an act of a person -, 'an accident the presentation duty of insurer is concretely broken out', 'a conditional accident that a claim for an insured amount is developed', 'an accident that the presentation duty of an insurer is taken shape in an insured contract', 'an accident that a responsibility for an insurer's making up the deficit is definitely occurred', and 'a fixed accidental fact that the liability for a payment is shaped up when an accident happens'. This serves as an example of a car accident, a plane accident, a fire, a craft collision, or a death, an injury and an existence of a person. It is interpreted 'a fact that an insurer charges for a provision, a fixed accident - commercial law, Article 629, or 'an accident that a compensation duty of an insurer is materialized'. A statement of reasons in Article 1 of draft bill of a German insurance contract law defines 'an accident that an insurance accident is made a draft of a presentation duty of an insurer by an outbreak'. So a German theory explains an insurance accident as 'an accident that a payment for a property is caused', 'an accident that a main presentation duty of an insurer is realized by that', 'an accident that causes a presentation in an estate of an insurance -"auszuIosen" lmstande ist', 'an accident that a presentation duty of an insurer itself - an und fir sich - is made a draft by that' ,and ran accident that a presentation duty of an insurer is draught'. I try to access to an original meaning, criticizing and investigating adequately because of a theoretical problem about it.
Specially there is open to question about defining the meaning of the insurance accident in reference to a presentation duty of an insurer. As a result it is necessary to clarify the case and the present state itself that causes an injury supposed a presentation duty of an insurer. In consequence of that, it is natural that an insurance accident is materialized a hazard an insurer charges under an insurance contract. On the other hand, it is reasonable that an insurance accident wouldn't happen unless a property damage occurs because an insurance accident must be in distinction from a property injury. For that reason it is enough that an insurance accident causes a property harm under a commercial case, which is suitable to birth such a damage, and which is associated with a property damage. All sorts of concrete problems related to an insurance accident must be solved coordinately, grasped the concepts certainly, though this opinion is that a meaning of an insurance accident is defined a presentation duty of an insurer separated from a presupposition, a property damage.

목차

Ⅰ. 문제의 소재

Ⅱ. 보험사고와 보험자의 급부의무

Ⅲ. 보험사고와 손해

Ⅳ. 결론

♣ 참고문헌

참고문헌 (27)

참고문헌 신청
[학술지(정기간행물)] - / 1996 / 제4전정 상법강의(하), google schola [학술지(정기간행물)] - / 2004 / 상법학신론(하), google schola [학술지(정기간행물)] - / 2002 / 상법(하), google schola [학술지(정기간행물)] - / 2004 / 상법강의(하), google schola [학술지(정기간행물)] - / 1996 / 상법학(하), google schola

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