생명보험약관상의 자살면책조항에 관한 소고

송달섭 한국기업법학회 2007 企業法硏究 Vol.21 No.2

Korean Commercial Code(KCC) Art.659(1), it is regulated that the insurer shall not be liable for any intention insured risk of insured. The reason of it is that the deliberate insured risk of the insured is against the contingency of the insured risk as well as against good faith principle under the insurance contract. And also, even in this case, if claim paid is paid, there is the possibility that the insurance contract shall be used for the unjust purpose, such as the acquisition of claim paid. By the way, in life insurance policy, it is regulated that when the insured suicide after 2 years from the date the policy is issued, claim paid shall be paid. On this study, the relationship between (KCC) Art.659(1), Intention, and Item 2 of Paragraph 1 of Article 16 of life insurance policy, Suicide, was reviewed. And also, both the basis of a regulation that when the insured suicide after 2 years from the date the policy is issued, insurance money shall be paid, and the issue that the insurer shall pay insurance money even when the insured risk turns out a suicide case which is intended only for insurance money were reviewed, which is actively being discussed now.

한국선주상호보험조합에서의 인적담보에 관한 연구

宋達燮 한국기업법학회 2002 企業法硏究 Vol.9 No.-

The existing ship and cargo insurances indemnified only material damages on one's own ship or cargo. Therefore, under the existing ship or cargo insurance there was no way to indemnify a third party for a compensation for damages occurred at sea. Consequently, the organization established for this indemnification is Protection and Indemnity Association (called P&I Club). P&I Club is a nonprofit organization, which is characterized by joint sharing of responsibilities upon occurrence of an accident at sea. Particularly, unlike the existing marine insurances which represent ship and cargo insurances, P&I Club shows its important roles and characteristics in the cover against loss of life, personal injury illness on board. In this study, investigation was made of the cover for the loss of manpower(loss of life, personal injury, illness, stowaways and persons save) occurred due to ship's operation, laying stress on Rules of The Korea Shipowner's Mutual Protection and Indemnity Association established in accordance with Shipowner Mutual Protection and Indemnity Insurance Act.

통상임금의 범주에 대한 소고 : 판례를 중심으로

송달섭 大田大學校 社會科學硏究所 2020 社會科學論文集 Vol.- No.-

In addition to being used as a basis for calculating the additional wages for holiday work, overtime work, and night work, ordinary wages are used to calculate dismissal notice allowance, annual paid leave allowance, maternity leave allowance, parental leave allowance, and the minimum average wage. It is used as the base wage. Despite these important functions of ordinary wages, the Labor Standards Act does not provide a specific definition of ordinary wages, and there have been many difficulties in interpretation. On the one hand, however, considering the diversity of wages paid, it is not easy to provide a concrete definition of ordinary wages in legal regulations. In this thesis, we tried to present the criteria by analyzing papers and precedents on prescribed work, uniformity, regularity, and fixedness, which are the criteria for determining ordinary wages. In addition, by evaluating regular bonuses, bonuses for working conditions, and work performance, we analyzed normal wages such as wages, welfare points, etc. for which payments are made or not.

海上保險契約에 있어서 告知義務의 範圍에 관한 硏究 : 保險契約者 또는 被保險者의 告知義務를 중심으로

송달섭 대전대학교 법문화연구소 2002 새울法學 Vol.5 No.2

책임보험의 본질과 특수성에 관한 이론적 검토

송달섭 대전대학교 법학연구소 2004 새울法學 Vol.7 No.2

보험계약의 당사자는 보험자와 보험계약이다. 그리고 손해보험에서의 보험수익의 주체는 피보험자이다. 이러한 이론대로라면 책임보험에서의 피해 제 3자는 보험금 청구권을 행사할 수 없는 것이 당연하다. 그러나 책임보험의 사회공공적 성격을 생각하면 피해 제 3자가 보험금 청구권을 행사할 수 있는 것이 이치에 맞다고 볼 수 있다. 이러한 선상에서 과연 피해 3자가 어떻게 보험금 청구권을 행사할 수 있는가에 대한 이론적 근거가 무엇인지에 대하여 살펴보았다. 또한 책임보험을 통한 피해 3자의 보호라는 사회적 요청은 ① 보험금에 대한 법률상의 處分禁止,② 보험자의 피해 3자에게 보험금 직접지급의무의 부여 ③ 피해자에 대한 직접청구권의 부여 등을 통하여 이루어지고 있으며, 이밖에도 책임보험에서는 제도적으로 더 강력하게 피해 3자를 보호하기 위하여 가해자의 지위에설 가능성이 있는 자로 하여금 책임보험에 가입토록 강제하고 있는 것이다.

보험자의 보험약관설명의무 규정의 개정 필요성에 대한 소고

송달섭 大田大學校 社會科學硏究所 2017 社會科學論文集 Vol.36 No.1

The insurance clauses which an insurer draws up restrain the insurer and insurance contractor who are the parties of an insurance contract from the moment when the insurance contractor agrees to them. Like this, as the insurance clauses which take an important position in an insurance contract are drawn up by an insurer and have many, complicated contents, it is not easy for the insurance contractor to be well-informed of all the contents. As a measure to solve those problems, the insurance contractor is protected by the stipulation of Article 638 (1) of the Commercial Act, “When an insurer concludes the insurance contract, he or she must deliver insurance clauses to an insurance contractor and explain the important contents of the clauses.” - the insurer should explain the important contents of the insurance contract to the insurance contractor. In general, when a businessman concludes the contract with a customer using the clauses, by specifying the contents of the clauses to the customer in a generally expected way, he or she must provide an opportunity that the customer can know the contents of the clauses and explain the importantcontents which are set out in the clauses to the customer so that he or she can understand them Here, the ‘important contents’ which become the subject of explanation duty in light of social norms refer to the matters which may have a direct effect on whether or not the customer will conclude a contract or what kind of actions he or she should take after he or she decides the price Of the clauses and conditions, what amounts to on the important contents can't be said uniformly, and considering the individual circumstances in the concrete events, it must be judged. From this perspective, the insurer must judge and explain the importance of clauses. For the judgement of the insurer, the insurance contractor may make a different judgement on the important contents, which can cause the conflicts. Especially, there are many cases that the insurance contractor who is not an insurance expert doesn't perceive that an insurer has a duty to explain, and at this case, the insurance contractor comes to take damage due to his or her own ignorance. It can be said that the duty that the insurer has to deliver and explain the clauses to the insurance contractor is the one given from the haracteristics of the insurance system which is based on the utmost good faith like the one that the insurance contractor must inform the insurer of the important contents which could affect the insurance contract. In this study, it is to discuss the necessity of the legislative resolution so that the insurance contractor doesn't suffer from the damage due to the ambiguity of the judgement criteria of the important contents. As an approach, examining the current regulations on the insurance clauses explanation duty of the insurer, and analyzing the judgment of the supreme court which is interpreting them, the necessity of the institutional improvement is to be suggested.

보험소비자 보호를 위한 손해사정제도 개선의 필요성에 관한 연구

송달섭 大田大學校 社會科學硏究所 2019 社會科學論文集 Vol.38 No.1

1978년 보험사고발생시 공정한 보험금산정을 확보하기 위하여 도입된 손해사 정사제도는 도입취지에 맞게 운영되고 있는지에 대하여는 아직도 논란이 많으 나 40여년이 흐르면서 현재 정착단계에 들어서고 있다. 다만 본 논문은 보험금 산정의 공정성 확보와 보험소비자의 보호의 관점에서 그 개선의 필요성이 있다 고 판단되는 보험회사의 자기손해사정의 허용금지와 손해사정사의 업무처리에 있어 변호사법 위반의 해소 필요성을 가지고 중점적으로 논하였다. 첫째는 보험 회사에 스스로에 의한 손해사정 허용의 문제이다. 이러한 자기손해사정을 허용 할 경우 손해사정의 결과의 공정성 확보가 어렵다는 점이다. 이를 위하여 손해 사정사제도 도입시에 염두해 두었던 자기손해사정을 금지하는 방향으로 입법적 개선이 이루어져야 한다고 본다. 둘째는 손해사정사의 업무처리에서의 변호사법 위반에 따른 업무의 효율적 처리가 어려운 부분이다. 법률적 지식이 풍부한 변 호사로 하여금 일정한 영역에서는 그 업무의 독점권을 부여하는 것은 옳은 일 이다. 그러나 그러한 독점권의 부여는 비전문가가 업무 처리를 함으로써 국민에 게 입힐 수 있는 피해를 사전에 방지하기 위함이지 변호사들의 이익을 보호하 기 위한 것은 아니라 판단된다. 이러한 관점에서 접근할 때 보험전문가인 손해 사정사가 손해사정업무 수행 후 그 결과를 가지고 보험소비자를 위하여 보험회 사와 협상에 있어 어떤 조언이나 결과를 이끌어내는 것은 손해사정사의 본연의 업무에 해당한다고 판단된다. 이러한 관점에서 손해사정사의 업무범위에 보험소 비자를 위한 협상이나 중재의 업무는 허용되는 방향으로 개선되어야 한다.

WTO내에서의 FTA의 법적 의미와 한·일 FTA체결의 필요성

송달섭 大田大學校 社會科學硏究所 2015 社會科學論文集 Vol.33 No.2

The Legal Meaning of FTA in WTO and Necessity of FTA Conciusion Between Korea and Japan

오프라인 프로그램을 이용한 로봇 비전시스템

송달섭,김문수 동의공업대학 2000 論文集 Vol.26 No.1

In this paper a manufacturing robot system is developed for the purpose of increasing the flexibility against changing product model. This system performs the soldering task. The module to solder the circuit is composed of robots(AC-L5) and automatic solder machine (SOLDER KING Ⅲ), is programmed 0LP(off-line programming) technique. The general kinematic and dynamic features of robot are analyzed to apply the error calibration of the AC-1.5 and the real assembly line. Robot teaching by using vision image at eye-on-hand reduces the setup time to cope with changing product model. The developed cells from the above results were installed and operated in the real camera back-cover assembly line where the work time and the soldering quality were improved compared to an ordinary cell using SCARA robot and the rate of the bad product is reduced in the process. Also, the task teaching in off-line program is 50 times faster than an ordinary on-line teaching method after the completion of one setting, contribution to the increase and efficiency of production and tasks.

고지의무에 대한 입법론적 고찰 : 보험소비자 보호의 관점에서

송달섭 ( Dal Seod Song ) 한국법정책학회 2008 법과 정책연구 Vol.8 No.1