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> 한국금융법학회 > 금융법연구 > 6권 2호

최대선의와 보험자의 보험금지급의무

A Study on Utmost Good Faith and Insurer`s Duty to Pay

이진수 ( Jin Soo Lee )

- 발행기관 : 한국금융법학회

- 발행년도 : 2009

- 간행물 : 금융법연구, 6권 2호

- 페이지 : pp.320-348 ( 총 29 페이지 )


학술발표대회집, 워크숍 자료집 중 1,2 페이지 논문은 ‘요약’만 제공되는 경우가 있으니,

구매 전에 간행물명, 페이지 수 확인 부탁 드립니다.

6,900
논문제목
초록(외국어)
A contract of insurance is a contract based upon the utmost good faith, and, if the utmost good faith be not observed by either party, the contract may be avoided by the other party. The duty of good faith in insurance law, first enunciated by Lord Mansfield in 1766 in Carter v. Boehm, predates the coming into existence of the United States. However, the most important and significant aspect of the duty of the utmost good faith, is the duty imposed upon the insured rather than the insurer, particularly prior to the conclusion of the contract. The duty to indemnify is, of course, the essence of an insurer`s obligation under an insurance contract. In English law, a claim under an insurance policy is, in current law, a claim for damages. There is no right to damages for late payment of damages. Often an award of interest will not reflect the policyholder`s true loss. In Untied States law, contracts usually include an implied covenant of good faith and fair dealing. A failure by a party to act in good faith may thus lead to a breach of contract action regardless of the express terms of the contract. A failure to act in good faith may also constitute a tort. Depending on the jurisdiction, the type of insurance and the alleged failing of the insurer, an insurer who acts in bad faith may incur liability not only for damages owing under the policy but also for uncovered economic losses of the insured, the insured`s emotional distress damages and attorney`s fees, substantial punitive damages, and various statutory penalties. In Korea, the insurer`s duty to pay is provided for by the Commercial code. But, where the insurer doesn`t pay insurance money to insured unjustifiably, the insured`s right is not provided for. Article 393 of the Korean Civil Code specifies general damage and foreseeable special damage as the remoteness of damages. Thus. whether or not the insured has a right to damages for late payment as special damages is based on the Article 393 of the Korean Civil Code. Also a failure to pay may constitute a tort according to circumstances. However, There is little hope of the interpretation of law on the korean precedent cases. Therefore, at this time there is a need to make provisions for protecting the insured.

논문정보
  • - 주제 : 사회과학분야 > 법학
  • - 발행기관 : 한국금융법학회
  • - 간행물 : 금융법연구, 6권 2호
  • - 발행년도 : 2009
  • - 페이지 : pp.320-348 ( 총 29 페이지 )
  • - UCI(KEPA) : I410-ECN-0102-2012-320-001834864
저널정보
  • - 주제 : 사회과학분야 > 법학
  • - 성격 : 학술지
  • - 간기 : 연3회
  • - 국내 등재 : KCI 등재
  • - 해외 등재 : -
  • - ISSN : 1738-3706
  • - 수록범위 : 2004–2020
  • - 수록 논문수 : 355