자동차할부판매보증보험계약에서 주계약과 피보험자에 관한 연구 -서울고등법원 2011.7.12, 2010나67656 판결에 대한 비판-

As regarding interpretation of the contents in the insurance policy, the motivation and background of the agreement, the final purpose of the agreement and the contract parties' true intention should be considered together. The main contract in a guarantee insurance is a legal relation- ship in which the policyholder of the guarantee insurance is liable to the insured for debts. A creditor in the main contract becomes the insured of the guarantee insurance and a debtor becomes the policyholder of the guarantee insurance contract. In this case, the main contract of the guarantee insurance is the contract for loan(consumer cash loan) between purchaser of the car and installment financing company(00 Life Insurance Company). At the same time, the insured of the guarantee insurance contract is the installment financing company who is in the position to shall suffer damage when a debtor fails to pay his debt. The conclusion of the Court in this case is wrong, considering the principles of general insurance and guarantee insurance contract.