• 무역상무연구
• /
• 제76권
• /
• pp.125-145
• /
• 2017

Where an insurer has unreasonably refused to pay a claim or paid it after unreasonably delay, the existing law in England does not provide a remedy for the insured. Accordingly, the insured is not entitled to damages for any loss suffered as a result of the insurer's unreasonable delay. This legal position differs from the law in Scotland and most major common law jurisdictions. LC thought that the legal position in England is anomalous and out of step with general contractual principles. LC considered that a policyholder should have a remedy where an insurer has acted unreasonably in delaying or refusing payment of claim, and, therefore, recommended a statutory implied term in every insurance that the insurer will pay sums due within a reasonable time and breach of that term should give rise to contractual remedies, including damages. More detailed recommendations of LC are as followings. First, it should be an implied term of every insurance contract that, where an insured makes a claim under the contract, the insurer must pay sums due within a reasonable time. Secondly, a reasonable time should always include a reasonable time for investigating and assessing a claim. Although a reasonable time will depend on all the relevant circumstances, for example, the following things may need to be taken into account, that is, (1) the type of insurance, (2) the size and complexity of the claim, (3) compliance with any relevant statutory rules or guidance, and (4) factors outside the insurer's control. Thirdly, if the insurer can show that it had reasonable grounds for disputing the claim(whether as to pay or not, or the amount payable), the insurer does not breach the obligation to pay within a reasonable time merely by failing to pay the claim while the dispute is continuing. In those circumstances, the conduct of the insurer in handling the dispute may be a relevant factor in deciding whether the obligation was breached and, if so, when. Fourthly, Normal contractual remedies for breach of contract should be available for breach of the implied term to pay sums due within a reasonable time. Finally, In non-consumer insurance contracts, the insurer should be permitted to exclude or limit its liability for breach of the obligation to pay sums due within a reasonable time, unless such breach was deliberate or reckless, and such an insurer's right to contract out will be subject to satisfying the transparency requirements.

• 무역상무연구
• /
• 제42권
• /
• pp.275-305
• /
• 2009

Marine insurance contracts, which intended to provide indemnity against marine risks upon the payment of price, known as a premium, originated in Northern Italy in the late 12th and early 13th centuries. The law and practice were later introduced into England through the Continent. It is, therefore, quite exact that English and European marine insurance law have common roots. Nevertheless, significant divergences between English and European insurance systems occurred since the late 17th century, mainly due to different approaches adopted by English courts. The rule of warranty in English marine insurance was developed and clarified in the second part of the 18th century by Lord Mansfield, who laid the foundations of the modern English law of marine insurance, and developed different approaches, especially in the field of warranty in marine insurance law. Since the age of Lord Mansfield, English marine insurance law has a unique rule on warranty. This article is, therefore, designed to analyse the overall rule of the rule of warranty in English marine insurance law. The result of analysis are as following. First, warranties are incorporated to serve a very significant function in the law of insurance, that is, confining or determining the scope of the cover agreed by the insurer. From the insurer's point of view, such the function of warranties is crucial, because his liability, agreed on the contract of insurance, largely depend on in, and the warranties, incorporated in the contract play an essential role in assessing the risk. If the warranty is breached, the risk initially agreed is altered and that serves the reason why the insurer is allowed to discharge automatically further liability from the date of breach. Secondly, the term 'warranty' is used to describe a term of the contract in general and insurance contract law, but the breach of which affords different remedies between general contract law and insurance contract law. Thirdly, a express warranty may be in any form of words from which the intention to warrant is to be inferred. An express warranty must be included in, or written upon, the policy, or must be contained in some document incorporated by reference into the policy. It does not matter how this is done. Fourthly, a warranty is a condition precedent to the insurer's liability on the contract, and, therefore, once broken, the insurer automatically ceases to be liable. If the breach pre-dates the attachment of risk, the insurer will never put on risk, whereas if the breach occurs after inception of risk, the insurer remains liable for any losses within the scope of the policy, but has no liability for any subsequent losses. Finally, the requirements on the warranty must be determined in according to the rule of strict construction. As results, it is irrelevant: the reason that a certain warranty is introduced into the contract, whether the warranty is material to the insurer's decision to accept the contract, whether or not the warranty is irrelevant to the risk or a loss, the extent of compliance, that is, whether the requirements on the warranty is complied exactly or substantially, the unreasonableness or hardship of the rule of strict construction, and whether a breach of warranty has been remedied, and the warranty complied with, before loss.

• 시큐리티연구
• /
• 제34호
• /
• pp.139-160
• /
• 2013

성장기의 미성년자들이 학습하는 공간인 학교는 많은 학생들이 생활하는 장소이다. 하지만 이러한 미성년자들의 생활공간에서 학생들은 일반적으로 발생되는 학교안전사고 이외에 가치관의 변화와 혼란으로 발생하는 많은 우발적인 사건 사고들이 잠재하고 있다. 이러한 잠재적인 사건 사고는 학교와 교사들의 안전에 관한 무관심과 더불어 학생들의 안전의식의 희박으로 인하여 더 많이 발생되고 있다. 이러한 사건 사고가 발생됨으로 인하여 신체와 생명, 재산에 피해를 입기도 하고 때로는 책임과 배상문제를 둘러싸고 학교와 교사의 이미지 실추와 더불어 학부모가 학교에 대한 기대 심리가 저하되는 등 좋지 못한 영향을 초래하기도 한다. 현재 우리나라는 해마다 사고가 발생하고, 이렇게 발생한 사고를 수습하는데 많은 시간을 투자하고 있다. 하지만 이점은 이미 사고가 발생하고 난 뒤여서 사태를 수습한다고 해도 많은 상처와 문제점이 많이 나타나고 있다. 이처럼 사고 후에 사태를 수습하는 방법보다는 학교 내 곳곳에 숨어 있는 안전사고를 미리 예견하여 이를 미연에 방지 할 수 있는 예방사업은 큰 사고를 막는 초석이 될 것이며, 또한 학생과 부모 그리고 교사들의 안심할 수 있는 환경 속에서 교육에 대한 질의 향상과 더불어 안전한 테두리 안에서 수업에만 전념하는 학생들 개개인의 발전이 있을 것으로 생각되어 진다. 이에 본 논문에서는 학교내에서 발생하는 사고에 대하여 파악하고, 분석하여 다시 발생될 수 있거나 발생 가능한 사건 사고를 미연에 방지할 수 있는 대책방안을 제시했다.이에 본 논문에서는 학교내에서 발생하는 사고에 대하여 파악하고, 분석하여 다시 발생될 수 있거나 발생 가능한 사건 사고를 미연에 방지할 수 있는 대책방안을 제시했다.

• 해양환경안전학회지
• /
• 제25권6호
• /
• pp.698-707
• /
• 2019

우리나라 영해 밖 EEZ내 침몰한 외국선박의 잔존유 제거작업이 국내 최초로 2019년 5월 이행되었다. 우리 관할수역이지만 기름 제거작업은 홍콩 선주 측 P&I 보험사와 계약을 맺은 일본업체가 수행하고 국내 업무 대행은 S법무법인과 J해운이 맡았다. 해당 선박은 총톤수 4,433톤의 일반화물선으로 2015년 4월 제주도 남동방 약 48마일 해상에서 침몰하였다. 침몰 후 기름 제거 작업 개시까지 만 4년이 넘는 기간이 소요되었지만 잔존유 제거작업은 단 22일 만에 끝났다. 대형선박이고 잔존유량이 많았던 Erika호나 Prestige호 등 외국사례 등과 비교하면 기름 제거 결정까지 긴 시간이 걸렸다. 그 원인을 파악하고자 해당선박 침몰 시부터 잔존유 제거까지 생산된 모든 문서 93건을 확보하여 분석하였다. 그 결과, 가장 우선적으로 이루어져야 할 행정적 절차 즉, 잔존유 제거에 대한 관할 행정기관의 의사결정이 지연되었음이 확인되었다. 관할청에서 긴 시간 동안 많은 검토를 하였지만 최종 결과는 초기방안과 별로 달라지지 않았다. 4년의 시간이 흐르는 동안 선내 잔존유 상당량이 유출되고 화물 전체가 유실되었다. 의사결정 지연에 영향을 미친 원인으로 관할청의 사고 관련 기본 사실이나 자료 확인 소홀부터 법률적, 기술적, 환경적 그리고 인적 측면 등 여러 문제점이 식별되었다. 연구 마지막에 식별된 문제점에 대한 개선안, 즉 의사결정 효율화 방안을 제시한다. 이 연구는 국내 최초 EEZ내 외국 침몰선박 잔존유 제거 사례를 고찰하여 향후 유사한 작업계획이나 정책수립 등에 도움이 될 것으로 기대한다.

• 한국사회복지학
• /
• 제59권3호
• /
• pp.59-73
• /
• 2007

본 연구는 산재보험의 재해보상이 산재 여부에 따라 급여 수급을 전액받거나 혹은 전액 받지 못하는 체계로 인해 산재여부에 대한 판정의 복잡성과 갈등의 요소가 내재되어 있는 문제점의 개선에 초점을 두고 있다. 재해보상형태는 초기 원인주의에 입각한 사용자의 배상책임에 따라 배상 정도가 결정되었으나, 이후 무과실책임주의로의 전환과 재해인정범위의 확대 과정을 거치게 되었다. 이러한 발전은 재해인정에 있어서 All or Nothing 원칙 강화로 이어지게 된다. All or Nothing 원칙이 상당한 논란의 소지가 있음에도 부분인정제도를 도입하기 어려운 이유는 행정적 복잡성을 더욱 심화시키는 점에 있다. 따라서 선진국에서는 사회보장의 종합적 차원에서 보편적 보장을 통해 전체인정제도의 한계를 극복하고 있다. 하지만 한국의 경우 재해로 인한 비용발생이나 소득손실에 대해 종합적 보장체제가 이뤄져 있지 않아 산재인정과 관련된 논란이 심해질 우려가 있다. 따라서 보상차등화의 취지와 논리 수용을 통한 제도개선과 더불어 장기적으로는 종합적인 재해보상 체제 구축이 요구된다.

• 보건행정학회지
• /
• 제17권2호
• /
• pp.1-17
• /
• 2007

Limited coverage for health care services of National Health Insurance(NHI) in Korea has been ongoing policy issue but additional NHI financing through raising contribution or taxes in order to improve coverage faces substantial obstacles. Private health insurance(PHI) is often considered as an alternative financing source to improve coverage. Recent reform that attempted to stretch the role of PHI allowed life insurance companies to provide complementary PHI, indemnity plan which will pay for uncovered services by NHI and out-of-pocket spending for covered services. Although complementary PHI may relieve financial burden of patients, it may significantly raise NHI spending as well as total health expenditure since little out-of-pocket spending may increase utilization of health care. So far, there has not been enough discussion about concerns of potential adverse effect resulting from extended role of PHI. This study investigated potential increase of NHI spending followed by extension of complementary PHI through sensitivity analysis. The amount of NHI spending for services that would be covered by complementary PHI was calculated using 2005 NHI statistics and expected complementary PHI enrollment rate by age and sex. Expected utilization increases were obtained based on price elasticities$(-0.2{\sim}-0.5)$ from previous studies and expected coverage rate$(50{\sim}80%)$ of complementary PHI and then converted to monetary figures. Because coverage rate of complementary PHI has not been determined yet, we employed the sensitivity analysis using coverage rate of $50{\sim}80%$. Findings demonstrate that additional spending for health care services is expected to be $426{\sim}1,702$ billion won, corresponding amount payed by NHI $298{\sim}1,192$ billion won. In conclusion, since complementary PHI may raise NHI spending significantly, there should be an agreement whether this additional cost would be accountable and acceptable in our society. Potential inefficiency resulting from extended role of complementary PHI should be considered since public and private financing do not operate in isolation and there should be more discussion on proper role of PHI in Korea.

• 시큐리티연구
• /
• 제32호
• /
• pp.151-176
• /
• 2012

현재 보험범죄는 해마다 증가하고 있으나 정부차원에서 보험범죄를 적발하거나 방지하기 위한 전문조직은 미비한 실정이다. 이러한 보험범죄로 인한 피해는 인명과 국민경제 측면에서 매우 심각한 실정이다. 보험범죄는 보험회사의 경영수지를 악화시키는 것은 물론이고, 보험금의 부정유출로 인해 보험사의 손해율을 악화시킴으로써 보험사 부실의 원인이 될 수 있다. 이는 결국 보험사의 보험료 인상으로 이어져 결국, 보험가입자의 보험료 인상이라는 문제를 야기시킨다. 이러한 이유로 1996년부터 보험회사들은 보상조직 내에 보험사기를 전문적으로 조사하기 위한 보험범죄특별조사팀(Special Investigation Unit, SIU)을 구성하기 시작하였다. 하지만 현재의 SIU는 보험범죄의 예방을 위한 다양한 업무를 효율적으로 수행하기에는 아직 그 인력과 재원이 부족한 수준이다. 따라서 본 연구는 갈수록 심각한 사회문제로 주목받고 있는 보험범죄를 실제 현장에서 담당하고 있는 SIU 구성원을 대상으로 현재의 근무환경과 보험범죄에 대한 일반적 인식이 그들의 직무만족에 미치는 영향에 대하여 알아보았다. 본 연구는 이러한 현장조사 분석을 바탕으로 현재 SIU 구성원들의 보험범죄 인식 및 근무 환경을 분석하고, 직무만족 향상을 통하여 구축할 수 있는 효과적인 보험범죄 대응 방안을 마련하는 데에 목적이 있다.

• 의료법학
• /
• 제12권1호
• /
• pp.177-225
• /
• 2011

Verdicts related to major medical litigation given by the Seoul Central District Court, the Seoul High Court and the Supreme Court in 2010 were analyzed. It's shown that in cases of the medical negligence regarding the occurrence of neonatal cerebral palsy, the plaintiff claims were dismissed using criteria proposed by associations of Obstetrics and Gynecology and Pediatrics in US, and thereof the burden of plaintiffs to prove the medical negligence has increased. In addition, in case of that the expected survival period of infants gets longer, payments for treatment and nursing after survival period determined by judges are made and it was judged to compensate it as a periodical indemnity. In case for the explanation obligation the most frequently mentioned in the medical litigation, in addition to cases of invoking the existing theory of explanation obligation, verdicts to mention the instructions of theory regarding instruction explanation obligation and the possibility of compensation for damages on property are given. Particularly, in cases for a liability of reparation by exaggerating the effects and not disclosing the risks related to treatment with stem cells, even if the treatment not approved by Food and Drug Administration is in violation of the Pharmaceutical Affairs Law, it's not illegal as violation in Pharmaceutical Affairs Law itself. But there is a certain verdict to present the possibility of an extension of the theory of explanation obligation by acknowledging the liability of reparation caused by illegal acts with no explanations of effects and risks of treatment with stem cell by doctors and pharmaceutical companies. In an incident in which a mental patient fell and died through the opened door of the roof at the hospital, a liability of reparation was acknowledged due to defects in structure installation management and this verdict drew an attention since the overall management responsibility about patients including structures was acknowledged to the hospital besides the obligations on medical practice. In case of the verdict without giving the opportunity to state the opinion with respect to the main legal issues, the responsibility of the court was emphasized since the court did not fulfill the explanation obligations. There were some cases in which payments for nursing and caring to a patient in vegetative state during the plastic surgery was admitted. However, in dental-related incidents, the proportion of cases in which plaintiff won was low since the difficulty of proving may be reflected. In the area of administrative litigation, unlike the existing position regarding arbitrary medical charge cover collected from patients in hospital, the verdict to admit the legitimacy of collection of medical treatment was given and attracted the attention of people. Verdict in which the expression related to medical advertisement was not exaggerated disposed the original verdict and pointed out the problem of excessive regulations on medical advertisement. The effort to analyze the trend of verdicts of court through reviewing the decisions and to organize should be continued, but the full decision should be disclosed as a base, and people and systems to enable the all time monitoring should be prepared.

• 통상정보연구
• /
• 제14권2호
• /
• pp.389-409
• /
• 2012

중개무역의 활성화와 기업의 해외현지법인의 증가로 인한 스위치선하증권의 사용이 빈번해지고 있으며 이와 더불어 이것의 불법적인 발행으로 인한 분쟁도 종종 발생하고 있다. 이러한 분쟁에 대해서는 몇 가지 중요한 판례가 있지만 이에 대한 연구는 전무하다. 따라서 본 연구에서는 스위치선하증권의 불법적 발행관행을 관련 판례를 통하여 조사하고 관련 당사자의 대책을 모색하고자 한다. 스위치선하증권에서는 원선하증권의 선적인, 수하인, 선적항. 하역항, 선적일 등이 변경 또는, 선적인에게 불리한 부기가 제거되거나 선하증권이 분할 또는 통합 발행된다. 여기서 운송인이 원선하증권을 회수하지 않은 상태에서 스위치선하증권을 발행하거나 선적일자, 선적항 또는 하역항을 허위로 기재하거나 불리한 부기가 삭제된 스위치선하증권을 발행하는 것은 불법적인 것으로 볼 수 있다. 스위치선하증권의 불법적 발행은 선적인과 은행 등 무역거래 당사자에게 위험 요인이 된다. 즉 선적인은 대금을 회수하지 못하였음에도 불구하고, 스위치선하증권에 의해서 화물이 제3자에게 인도되면 대금을 회수하지 못하여 손실이 발생한다. 화물의 담보권을 가지고 있는 신용장 개설은행 또는 매입은 행도 스위치선하증권의 불법적인 발행에 따라 그들의 담보권이 침해된다. 대부분의 경우 운송인은 중개무역상과 거래관계에 따라 어쩔 수 없이 원선하증권을 회수하지 않은 상태에서 스위치선하증권을 발행하고 있다. 하나의 화물에 대하여 두 세트 이상의 선하증권이 존재하는 것은 운송인에게 대단히 위험한 것이다.

• 한국항만학회지
• /
• 제7권1호
• /
• pp.43-58
• /
• 1993

There has been fast progress in economy in Korea derived by a consecutive five-year plan program for economic development started in the early 1960's. In the field of transportation, rapid changes in the technological environment of transportation and communication have brought a revolution of the transport system, of which inter-modal transportation through containerisation is typical. Because of the rapidly growing traffic volumes of cargo, especially container traffic, and lack of investment into transport infrastructure in the past, both road and railway are beyond their capacity. As a result, the public-road network has suffered a serious congestion problem. For instance, in relation to the corridor between Seoul and Pusan, today, it takes about 14 hours for the journey of container trailer through Kyongbu Expressway, for which it used to take only 7 hours in 1986. For the railway, though the congestion problem is not very serious compared with the road sector, a shortage of capacity on certain main lines has emerged as a problem as railway traffic has increased. Furthermore, the further expansion of the system in near future is difficult due to burden of higher construction the cost. Unlike these two modes, coastal shipping, which has been paid relatively less attention for commodity transport in Korea, shows no constraint in this respect. In addition, it is the most cost efficient mode of transport. This work therefore aims to make a proposal for the alternative inland transportation mode, which is to promote the coastal transport of container. Three obstructing factors for the promotion of the coastal transport are investigated and some solutions for those are suggested as follows : First, it appears to be essential to provide exclusive ports for the coastal shipping, that comply with simplification, specialization and rationalization. The optimum size of berths on the exclusive ports in Pusan port is estimated as 16-20. We found that it needs periodical study and publicity on the advantages from the adoption of the coastal mode. Inducing competition in the coastal shipping market is also necessary. For the supply of the fleet in the coastal shipping, chartering of the surplus ships in the oversea shipping is found to be more desirable than new shipbuilding. Second, to solve the fragmentation of the companies which wish to participate in the coastal transport, government has to implement the subsidy policy. The encouragement of participation of the shipping lines engaging in Korea-Japan run and Korea-East South Asia run, into coastal shipping also needs to be considered cautiously. Third, simplification of the document for entry in ports is needed for rational coastal shipping management. We can use B/L (Bill of Lading) for coastal shipping as a prerequisite to get the indemnity by P & I Club. The reduction of the government controls on entering and leaving the ports also needs.