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- W2202553721 abstract "According to the Supreme Court, an insurance solicitor does not have the right to act as a proxy for an insurer and enter into a contract, and the solicitor does not even have the right to receive notices, because an insurance solicitor is merely a person who mediates contracts for a particular insurer. When the insurance solicitor receives a notice and does not deliver it to the insurer, or when the solicitor does not explain that insured’s consent is required, the insurance contract becomes void, and the insurance company is liable for damages. However, according to the Supreme Court, when a contract is signed after an insurance agency or an insurance salesman explains in a different matter than the insurance terms, the contract is valid, and the insurance company therefore is responsible for payment in case of an insurance event. In this case, there is no negligence set-off and the policyholder can be heavily protected. However, when the insurance planner does not explain that insured’s consent is required, a negligence set-off occurs, and the policyholder cannot be heavily protected. The question arises as to whether there exists a reasonable cause to set off mistakes when the insurance planner does not explain, but to not set off mistakes when he explains in a different manner. The validity of insurance contract should be determined by applying the legal principle of fair trade protection and considering if the policyholder meets the requirement for protection. However, the protection requirement of the third party and whether the mistakes are set off differ by which specific legal principle of fair trade protection is applied. In this paper, we review the statutes of the insurance section of the Commercial Law and examine which requirements should be applied. The regulations in the insurance section of the Commercial Law on claim for insurance premium refund due to a void contract (Commercial Law Article 648), on contract termination due to breach of duty of disclosure (Commercial Law Article 651), and on cause of exemption for insurer (Commercial Law Article 659) stipulate that the policyholder “be in good faith and have no gross negligence” as a requirement for protection, and that “willful or gross negligence of the policyholder” is a cause of exemption for the insurer. Since the prohibition of reformatio in peius applies in such regulations of the insurance section (Commercial Law Article 663), the contents of insurance policies cannot be in principle more disadvantageous to the insurer than the protection requirement of the policyholder or the cause of exemption. Thus, the policyholder should be protected when there is no gross negligence." @default.
- W2202553721 created "2016-06-24" @default.
- W2202553721 creator A5048147217 @default.
- W2202553721 date "2015-08-01" @default.
- W2202553721 modified "2023-09-28" @default.
- W2202553721 title "보험설계사의 고지수령권과 계약체결권에 관한 연구" @default.
- W2202553721 hasPublicationYear "2015" @default.
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