# M. A, who had several insurance policies, crashed on the road by driving an electric scooter. At that time, was shocked by its head and carried out surgery and treatment for patients hospitalized at the same time. However, he died after receiving a diagnosis of acute subdural hemorrhage and clever brain edema due to brain damage.
In response, the bereaved families asked for insurance payments. At the time, the main problem of this dispute was to inform insurance companies of the use of traditional scooters in advance. The bereaved families said that traditional scooters did not correspond to “two -wheeled vehicles or motorized bikes”, but that unique accidents occurred by driving.
On the other hand, since the insurance company directly bought an electric scooter and died by driving, it was not a unique use but continuous use. Consequently, he is obliged to inform after the insurance contract, but he said he had violated him.
According to the main disputes recently disclosed by the Korea Consumer Agency, disputes continue between insurance companies and entrepreneurs concerning the interpretation of the obligation to inform them to maintain the contract. The obligation to inform refers to the content that the subscriber must inform the insurance company when the situation of his job and his health changes. Indeed, the payment conditions of the insurance may vary depending on the changes in the subscriber’s situation.
The mediation committee considered electric scooters as cars with a structure similar to two -wheeled cars. He was considered to be the subject of the obligation of notification under the terms and conditions.
However, the mediation committee confirmed that A had never owned or led a motorized bike before the accident. In the end, it is difficult to assert that he was led with the intention of continuing to use traditional scooters. In addition, another insurance company contracted by one also confirmed that the operation caused by the electric scooter was a unique operation.
In addition, two days after buying an electric scooter, it was difficult to say that it had time to inform the insurance company if it had to be used or not, because it experienced an accident during its first driving.
In response, the mediation committee estimated that the insurance company was responsible for the payment of 120 million won to bereaved families. It was decided to pay around 50 million won to the wife of A and 35 million people won each of his children.
However, such mediation will only take effect legally if the two parties accept it. If one side rejects and continues with the trial, it can be used as a reference because it has already been legally examined.
In response, an insurance manager said: “Depending on the case, the judgment of each insurance company and person in charge may vary”, adding “, it is necessary to actively deal with the disadvantages through experts in traffic accidents or damage assessors at the start of the accident”.