Among the insurance systems, the accident insurance system plays an important role in meeting the economic demand from various accidents and disasters of the people. On the other hand, as the society develops, the means of transportation are diversified. In particular, the rapid development of personal mobility technologies and the government s regulatory reimbursement policies have enabled the use of personal mobility due to the
Kickboard s use of parks. However, due to the increased use of these, the risk of accidents is increasing. Particularly, in the case of an electric kickboard, whether it can be seen as a car or a motor bike in the automobile management law or the Road Traffic Act is a problem. The personal mobility market is growing rapidly not only internationally but also domestic. However, personal mobility is a very dangerous transportation tool.
Therefore, there are many accidents. In this case, it is a question whether the damage can be covered by insurance. The personal mobility operator may be the victim, but it may be the victim. In case of accident insurance, it is a matter of whether the electric kickboard can be seen as an automobile in order to compensate the accident while driving. It should be considered that it corresponds to an accident while driving a car. However, motorcycle
driving is subject to obligation to inform before contract and after notice of contract. However, as the premise, it should give the opportunity of the duty of disclosure obligation. Therefore, it is practically desirable to ask questions explicitly asking whether or not to operate a two-wheeler while specifying that it also includes an electric kickboard. It is also presupposed that the obligation to inform before the contract and the obligation to notify after the contract must be given. If the policyholder is already aware of the significance and significance of driving a motorcycle, it is possible to impose a breach of the obligation of noticing obligation or breaching the obligation of notification without explanation. In the case of this paper, it is not mentioned in detail about this point, so it should judge factual relationship and evaluate the duty of breach of disclosure obligation, breach of notification duty and duty of explanation of important matters.
However, the Seoul High Court ruled that if the insured should continue to use bicycles or motorcycle bicycles, the company should inform the company promptly. Otherwise, the insurance payment may be restricted even if an accident occurs. It is the insurer s view that the insurer should be deemed to have fulfilled the obligation of disclosure if the insured states that the insured has explained and understood the rights and obligations of the insured, I think it is appropriate for practical operation. In the future, it is necessary to prevent the possibility of disputes in the insurance industry by reflecting the electric kickboard in relation to the disclosure obligation, notification obligation, and explanation obligation.