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한양대학교 법학연구소> 법학논총> 타보험계약의 존재와 고지의무

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타보험계약의 존재와 고지의무

Study on the Duty to Disclose Other Insurance Contract

최준규 ( Joon Kyu Choi )
  • : 한양대학교 법학연구소
  • : 법학논총 32권1호
  • : 연속간행물
  • : 2015년 03월
  • : 103-126(24pages)
피인용수 : 14건

(자료제공: 네이버학술정보)

DOI

http://dx.doi.org/10.18018/HYLR.2015.32.1.103


목차

Ⅰ. 들어가며
Ⅱ. 외국의 논의들
Ⅲ. 우리나라의 논의상황
Ⅳ. 검토
Ⅴ. 결론에 갈음하여

키워드 보기


초록 보기


						
In this article, I survey English, American, Australian, German, Japanese insurance law about the duty to disclose other insurance contract. On the basis of comparative legal research, I draw the following conclusion in Korean insurance law. The existence of other insurance contract is not the matter that should be disclosed to insurer per se, in Korean insurance law. But when insurance contracts are so accumulated that one have reason to doubt the insured``s moral hazard, then other insurance contract should be disclosed to insurer. When there is duty of disclosure about other insurance contract, it is desirable to admit generously the causation between non-disclosure and the occurrence of the insured event.

UCI(KEPA)

I410-ECN-0102-2015-300-002071132

간행물정보

  • : 사회과학분야  > 법학
  • : KCI등재
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  • : 계간
  • : 1225-228x
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  • : 학술지
  • : 연속간행물
  • : 1984-2019
  • : 1197


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발행기관 최신논문
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1외국 우수인력 유치를 위한 이민법제 개선방안 -외국 우수인력의 영주자격 및 국적 취득을 중심으로-

저자 : 김상태 ( Sang Tae Kim )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 1-22 (22 pages)

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Currently Korea is concerned about the shortage of labor owing to aging and low childbirth. In view of the current life expectancy and the development trend of medical technology, the possibility of the mitigation of graying trend seems to be very slim. The probability of the easement of low childbirth exists more or less depending upon the will and policy of the government, but in consideration of the practicality of the policy, it doesn`t seem easy that the trend of low childbirth changes itself. In these situations, in order to fill the shortage part of lacking elite manpower and maintain a continuous economic development, the introduction of elite manpower through immigration is suggested as an alternative. Advanced countries has been already developing the policy to provide for aging ; low childbirth and accept immigrants from foreign countries positively to maintain a dynamic economy. Out country has improved varied immigration system to attract elite manpower of foreign countries in the meantime. A typical example was the mitigation of the requirement of permanent residence and the acquisition requirement of nationality. However, the result of the attraction of foreign excellent manpower was insufficient compared with advanced countries. It is thought that the causes contain the lack in connection and system between immigration related laws, absence of overall policy establishment and executive institutions, the problem of validity of plural nationality and points immigration system, the matter of statutory reservation of permanent residence requirement and special naturalization, the matter of requirement of special naturalization, the treatment of the qualified person of permanent residence etc., From now on, we shall have to approach the immigration policy requiring opinion adjustment, cooperation or agreement of diverse interested persons in the general frame, and based on it, we shall have to improve the immigration system hampering the domestic stay of foreign elite manpower. For this purpose, This research suggested the improvement plan such as the enactment of 『Immigration Act』integrating immigration-related laws, establishment of overall body to manage systematic immigration policy, materialization of the requirement of special naturalization, preparation for legal foundation of permanent residence and special naturalization, and the activation of permanent qualification system etc.

2언론보도에 따른 범죄피해자의 2차 피해방지를 위한 법제 등의 검토와 그 개선방안

저자 : 강동욱 ( Dong Wook Kang )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 23-54 (32 pages)

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Nowadays, the commercialism of media being intensified, media``s crime reports are getting more incendiary and lewder. When crime, especially in cases of violence to target woman and child such as a sexual assault or a child abuse occur, the media reports on the identity of victims and due to this, victims go through secondary damages besides the direct damages caused by crimes. In the light of these cases, according to the acts on the woman and child assault cases, it is banned to disclose identity of victims in media reports and when this is violated, a criminal punishment can be given. Moreover, media organizations including National Human Rights Commission of Korea prepare regulations and guidelines for crime reports and put a restrict on disclosure of identity of victims. In reality, however, it is not easy for victims to bring criminal accuse, to bring a civil action or to receive subsequent remedial measures through legal proceedings on 『Act on Arbitration and Remedies, etc. for Damage Caused by Press Reports』. Due to a scoop on excessive competition, media workers often do not follow according acts or guidelines properly. Upon occasion, the workers do not recognize the seriousness of secondary damages of victims caused by media reports. Therefore, to prevent secondary damages of victims effectively, the problems of according the upper acts and guidelines should be complemented. For this, above all, in 『Act on Arbitration and Remedies, etc. for Damages Caused by Press Reports』and 『Crimes Victim Protection Act』, unified and concrete regulations to prevent secondary damages of victims should be prepared and the range of its applications should be enlarged. Also, the act which impose the civil-criminal responsibility on news-person and media organizations who violate the upper acts should be legislated. Furthermore, media organizations should strengthen the regulations by themselves autonomic ally, and in the case of violating the ban on identity disclosure of victim, it is required for them to strengthen the regulations by strict enforcement of their internal sanctions.

3영국의 공공조달계약과 노동조건 연계정책

저자 : 김근주 ( Keun Ju Kim )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 55-80 (26 pages)

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This article aims to find various practical possibilities for legal changes for labour standards within public procurement in Republic of Korea. In order to this, It examines the labour standards in procurement system in UK. In many countries, there are significant gaps in enforcement of national labour law. In this respect, many standard terms of public procurement will already provide a significant benchmark with regard to labour standards. A key issue here would not then be the legitimacy of incorporating new social commitments into public procurement contracts, under the guise of core labour standards, recognising and effectively implementing those commitments to sound labour practices which are already contained in the requirement to comply with national law. The procurement processes are Identifying need, Specification, Selection, Tender Evaluation and Contract Management Conditions. Each process has unique characteristic and it should be access in different ways. The most common way to apply labour standards in UK is to use living wage in public procurement. Living wage is the minimum income necessary for a worker to meet their needs that are considered to be basic, be measured by GLA. It is used in all processes in procurement and it is established by the basis act in Scotland by 2014. Other ways to be applicable in public procurement are “Reserved Contract” or similar ways to promote Equality Act 2010. In Selection and Tender Evaluation process, more technical methods are preferred in order to facilitate labour standards in the contract. The plans for employment promotion or detailed man-power scheduling can be used in the process. Regardless of the practical ways, the high spot is to avoid a lack of objectivity and fairness in the whole assessment.

4법원 판결을 통해 살펴 본 국제인권조약의 국내 이행 -국제인권조약의 적용 여부가 문제된 사례를 중심으로-

저자 : 홍관표 ( Kwan Pyo Hong )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 81-102 (22 pages)

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As for internal implementation of international human rights treaties, it has a significant meaning whether the treaties concerned can be invoked before the courts in actual cases as much as whether they are incorporated into the domestic legal system. Many guidelines for preparing a country report in accordance with international human rights treaties stress the need of including cases where the courts have quoted the concerned treaties as a trial norm. It is also considered quite seriously in the process of reviewing such reports. Article 6 of the Korean Constitution prescribes that “treaties duly concluded and promulgated under the Constitution and the generally recognized rules of international law have the same effect as the domestic laws of the Republic of Korea.” Accordingly, any international treaties that Korea has signed and ratified can be applied to a domestic court case without legislation. However, apart from such legal ground, international human rights treaties have been invoked only in a limited number of cases, and therefore researches analyzing those cases have never been enough so far. For the purpose of analyzing the current state of internal implementation of international human rights treaties in court rulings, this study finds relevant cases through a keyword search based on seven international human rights treaties that Korea has signed and ratified among the Core International Human Rights Instruments mentioned on the website of the UN Office of High Commissioner for Human Rights (OHCHR) and tries to categorize the said cases by issue and type of application. With this approach, this article verifies a series of issues in applying the international human rights treaties by the courts and makes suggestions to consider for better implementation of such treaties in domestic cases. By doing so, it could contribute to inducing a progressive change of the courts in Korea to secure the legal effectiveness of international human rights treaties in the future.

5타보험계약의 존재와 고지의무

저자 : 최준규 ( Joon Kyu Choi )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 103-126 (24 pages)

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초록보기

In this article, I survey English, American, Australian, German, Japanese insurance law about the duty to disclose other insurance contract. On the basis of comparative legal research, I draw the following conclusion in Korean insurance law. The existence of other insurance contract is not the matter that should be disclosed to insurer per se, in Korean insurance law. But when insurance contracts are so accumulated that one have reason to doubt the insured``s moral hazard, then other insurance contract should be disclosed to insurer. When there is duty of disclosure about other insurance contract, it is desirable to admit generously the causation between non-disclosure and the occurrence of the insured event.

6영국 해상보험법상 고지의무와 워런티 위반에 관한 최근 판례 동향 -SEA GLORY 사건의 보험금을 중심으로-

저자 : 정해석 ( Hae Seok Jeong ) , 정영석 ( Yeong Seok Cheong )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 127-147 (21 pages)

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Marine companies insure marine insurances to alleviate risks which may arise to a vessel or shipment. Upon the Marine Insurance Act(“MIA”), an insurer requires the insured to disclose important matters to the insurer in order to assess the risk accurately when the insurer underwrites insurance. However, if any circumstance which is known to the insurer and any circumstance which diminishes the risk, the duty of disclosure can be waived. Further, when the insurance contract is made between the insured and the insurer, the parties encompass implied or explicit warranty(International Safety Management Code) in the contract. Since this is not found in Korean law, if any dispute related to warranty occurs in Korea, the judgment of the British Court should be reviewed and find out whether the legal principle of MIA can be used as is.

7고령자의 판단능력 쇠퇴를 대비한 미래설계와 새로운 성년후견제도

저자 : 제철웅 ( Cheol Ung Je )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 149-175 (27 pages)

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Traditional adult guardianship, even in western countries such as Germany and England, had targeted at either preventing persons with mental disabilities engaging in legal transactions for their protection or protecting the property of persons with spendthrift habits, regardless of any reasons, for their family members before reformation of guardianship system began from 1990s. The situation in Korea was not different; namely, family members of persons with dementia and brain injury have applied for the opening of guardianship to protect their relatives`` property for applicants`` own interest. However the use of guardianship has been strikingly rare in comparison of other countries, where more or less 100 persons per 100,000 inhabitants are under guardianship, because less than 10 per 100,000 inhabitants have been estimated to be under guardianship in Korea. It seems because most persons with severe mental or intellectual disabilities have been accommodated in closed facilities remote from local communities, which means that there is little needs to prevent them engaging in legal transactions. Such situations can result in few persons having resorted to the application of guardianship, even though adult guardianship was reformed as of 1st July 2013. Traditional guardianship does not fit the needs of elderly and persons with dementia, because they used to have no problems at decision making before the triggering events of dementia and used to express their antipathy to guardianship because of its targeted purposes. As aging societies in western countries progress, future planning schemes for the time of deterioration of capacity have been popular among elderly and persons with dementia and their families, which resulted in the use of enduring power of attorney, lasting power of attorney and advanced directives to medical treatments. This paper suggests that contractual guardianship and alternatives to guardianship have to be provided for elderly and persons with dementia as future planning schemes, and proposes concrete schemes relevant to them.

8보험사기방지에 관한 연구 -설문,면담조사를 통하여 검토한 사기방지 방안의 보완을 중심으로-

저자 : 전우현 ( Woo Hyun Chun )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 177-211 (35 pages)

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All human existences are competing with others in order to meet their desires regardless that they may be good or evil. However, the way to satisfy the desires should be justifiable. Both the insured and the insurer are obliged to inform the other party of the real facts he knows himself. Therefore, the issue on insurance crime, insurance fraud is not advantageous at all to any one side in insurance contracts. No matter how noble concerning wealth and resources based on theology or morality, fraud or deception cannot be justified generally. The receipt of commercial insurance money or public health insurance money through fraudulent acts can never be justified. Strong social sanctions are needed in this case. Though there are some discussions about the issue if the Statute of Fraud applies to insurance(life insurance) in the United States, seriousness of insurance fraud(insurance crime) is widely well recognized. So Insurance fraud is dealt with severely(sometimes as felony). The developed countries such as Germany, France have severe civil or criminal punishments toward insurance fraud. In actual, insurance has had a major impact on the law of the society. Effects of liability insurance is significant on tort law as well as on contracts, negligence, and other indemnity system. The opposition to piddling tort immunity is because of the possible insurance fraud of the insureds or the insurer abusing the immunity. In the US, insurance is closely related with the rental of the house, car and other things. Korea is no longer different. Thus, righteous operation of the insurance scheme is closely related with the task of developing soundly our whole legal system. In my opinion, Korea still falls short in controlling fraud in insurance contract law, insurance business law and private investigation business law as well as criminal law. Often in the global insurance exchanges, emerges the difference between the national laws with the issue of jurisdiction. Therefore, in particular international insurance contract's conclusion (including reinsurance), the default of controlling insurance fraud in Korea would be regarded as the mark of legal system's flaw. Thus, the Commercial Act(Insurance contract), the Insurance Business Act, the Criminal Act and the Private investigation business law regulating the fraud should be strengthened. In addition, social ethics should be restored to suppress the fraud.

9일본과 중국의 구분소유법제

저자 : 장석천 ( Seok Cheon Jang )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 213-232 (20 pages)

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By promoting the development of the economy, urbanization and represents many problems. City concentration of many workers and triggered the housing shortage, the country of the city be searched for a package of measures to resolve them. The problem it is shown as a solution for complex building. And it regulates partitioned ownership to the Act are to be made. Japan was partitioned ownership law was revised to 2002. Partitioned ownership law was to complement the problems that had been widely debated during there visions. March 2007, China established 'the Law of Realty' which was provided protection of equity between state-owned property and private property rights. This Low is composed of 5 parts, 19 chapters, 247 atticles and supplementary provision. Among the rest, 'Divided Ownership of building' is prescribed in second part(ownership), 6th chapter. To this dissertation, povisions about Divided Ownership of building which was prescribed in the Law of Realty of China and Partitioned Ownership law of Japan were compared and analyzed.

10벨기에 법에서의 질병과 삶의 종말

저자 : 이브앙리르뢰 ( Yves Henri Leleu )

발행기관 : 한양대학교 법학연구소 간행물 : 법학논총 32권 1호 발행 연도 : 2015 페이지 : pp. 233-254 (22 pages)

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벨기에 법에서는 다양한 개별입법을 통하여 개인의 자기결정권을 보장하고 있는 것으로평가할 수 있다. 특히, 오늘날 대부분의 국가에서 문제가 제기되고 있는 생명윤리 분야에 관한 - 구체적으로는 조력출산, 배아에 대한 연구, 성전환, 안락사 등의 분야에 관한 -특별입법들에서 이와 같은 문제들을 규율하고 있다. 그리고 이들 개별입법들에서는 신체에 대한 결정을 '독자적 결단'(colloque singulier)의 차원에서 이루어질 수 있도록 하고 있는데, 그 표현에서 알 수 있듯이 각 개인이 단독으로 醫師와 함께 행동을 한다는 것을 의미한다. 다만, 의사의 개입은 반드시 필요하며, 이는 독자적 결단이 성립하기 위한 필요조건이다. 국가기관은 의료적 처치, 즉 여기서는 안락사가 이루어진 이후에 개입하게 되는데, 이 또한 안락사에 관한 결단을 사후적으로 허가하기 위한 것이 아니라 의사와 개인이 내린 결정이법에서 정한 조건을 충족하였는지를 단지 사후적으로 검증하기 위한 것이다. 본고에서는 특히 안락사에 대한 형사처벌을 면하게 한 2002년 5월 28일 법을 중점적으로 소개하였다. 즉, 안락사는 출구가 없는 환자가 이를 신청할 수 있으며, 심각하고 치유불가능한 병리적 증상 또는 우발적 증상에서 기인하는 완화되기 어려운 고통을 겪는 환자이면 족하고 그가 생의 말기에 놓여 있는지의 여부는 중요하지 않다. 한편, 의사는 환자의 이러한 신청이 있더라도 개인적인 사정을 들어 안락사의 실행을 거부할 수 있다. 그리고 의사는 환자의 상태가 사망에 어느 정도 가까운 상태에 놓여 있는지에 따라 차이가 있기는 하나, 한 명 또는 두 명의 다른 의사들의 의견을 청취한 후, 안락사에 관한 법정 요건이 충족되었는지의 여부를 심사한다. 안락사를 실행한 의사는 이후 검증위원회에 보고서를 제출하여야하며, 동 위원회 또한 법정요건이 충족되었는지의 여부를 심사한다. 다른 한편, 미성년자에 대한 안락사도 2014년 2월 24일 법에 의해 보다 엄격한 요건과 부모의 동의를 전제로 하여 인정되기에 이르렀다. 그럼에도 불구하고 법에서는 안락사에 대한 자발적이고 숙고된 신청을 할 수 있는 능력이 없는 자에 대해서는 안락사를 허용하고 있지 않다. 다만, 무의식 상태에 놓인 자가 사전에 안락사 신청서를 작성해 둔 경우에는 예외가 인정되기도 한다. 아무튼, 안락사에 관한 현행법의 한계를 묘사하기 위하여 특히 세 가지의 특별한 유형을 살펴보았는데, 구체적으로는 초고령자에 대한 안락사, 신경정신과 환자에 대한 안락사 그리고 교정시설에 수감된 자들에 대한 안락사의 문제가 그것이다.

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한국의료법학회지
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한국의료법학회지
23권 1호 ~ 25권 2호

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경찰법연구
17권 3호 ~ 17권 3호

KCI등재

한국의료법학회지
12권 1호 ~ 27권 1호

교회와 법
6권 1호 ~ 6권 1호

KCI등재

법조
68권 5호 ~ 68권 5호

KCI등재

법과 사회
61권 0호 ~ 61권 0호

KCI등재

법학연구
29권 3호 ~ 29권 3호

BFL
90권 0호 ~ 91권 0호

KCI등재

홍익법학
20권 3호 ~ 20권 3호

KCI등재

법학논총
36권 3호 ~ 36권 3호

KCI등재

법학연구
75권 0호 ~ 75권 0호

KCI등재

법학논집
24권 1호 ~ 24권 1호

KCI등재

피해자학연구
27권 2호 ~ 27권 2호

KCI등재

서울대학교 법학
60권 3호 ~ 60권 3호
발행기관 최신논문
자료제공: 네이버학술정보
발행기관 최신논문
자료제공: 네이버학술정보

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