중복보험의 개별보험종목 적용에 관한 법적고찰 —책임보험과 법무보험의 중복보험 문제를 중심으로—

The possibility of double insurance between legal affairs insurance and liability insurance is very in controversy subject. Legal affairs insurance is a type of insurance policy which covers policyholders against the potential costs of legal action. Liability insurance is a part of the general insurance system of risk financing to protect the insured from the risks of liabilities imposed by lawsuits and similar claims. It is possible that there is double insurance between legal affairs insurance and liability insurance because of the same coverage of those insurances. The insured cannot be protected from the insurers in that case. As a result, considering of double insurance case, therefore, if the insured didn't compensated by legal affairs insurance and by liability insurance because of the double insurance clause in view of the Korean Commercial Code. In these reasons, we should bring in a bill to improve the circumstance of double insurance case. Finally, it is necessary to codify some requirements of the double insurance clause in view of the Korean Commercial Code.