서울중앙지방법원 | 2015-01-15 | 2013가합39129
법원 판례 기준으로 판결요지와 원문 출처를 내부에서 확인하세요.
원문이 아닌 정리본이며, 저장된 요약의 끝부분이 잘려 있을 수 있습니다.
건설공사보험계약상 보험목적물 판단 및 보험금청구권 상실 여부
결과 요약
- 회사가 근로자에게 초과 지급받은 부당이득금 238,918,577원 및 이에 대한 지연손해금을 지급함.
- 근로자의 주위적 청구(보험금 전액 반환)는 기각하고, 예비적 청구(초과 지급 보험금 반환)는 일부 인용함.
사실관계
- 회사는 2007년경 주상복합건물 신도림 디큐브시티 신축·분양사업을 시행하며 직접 신축공사를 담당함.
- 회사는 2007. 7. 29. 원고와 이 사건 공사를 보험목적으로 하는 건설공사보험계약을 체결함.
- 2010. 9. 21. 집중호우로 이 사건 공사 현장 지하 8층에 위치한 집단에너지공급 시스템 열병합발전설비(이 사건 설비)가 침수되어 손상되는 사고가 발생함.
- 회사는 2010. 9. 29. 근로자에게 해당 사고를 접수하고 보험금 지급을 청구함.
- 근로자는 회사가 신고한 보험가액에 기초하여 이 사건 설비 손상으로 인한 보험금 1,234,983,288원을 산출, 2011. 3. 11. 6억 원, 2011. 5. 18. 634,983,288원 합계 1,234,983,288원을 지급함.
핵심 쟁점, 법리 및 법원의 판단
이 사건 설비가 보험목적물에 해당하는지 여부
- 법리: 건설공사보험은 공사기간 중 발생하는 다양한 손해를 포괄적으로 전보할 필요에서 인정되는 특수한 손해보험임. 공사물건보험의 보험목적은 원칙적으로 그 공사 목적물 자체의 설비 등 구성 부분에 포괄적으로 미침.
- 법원의 판단:
- 이 사건 설비는 열과 전기를 자체적으로 생산하여 디큐브시티 건물에 공급하는 설비로, 공사 목적물인 디큐브시티 건물의 구성 부분에 해당함.
- 회사는 이 사건 보험계약 체결 전부터 이 사건 설비 설치 계획을 세웠고, 계약 당시 냉난방설비가 열병합발전에 의함을 나타내는 '건축개요'와 열병합기계실이 기재된 '건물의 단면도'를 근로자에게 제출함.
- 이 사건 보험계약은 공사 진행 상황에 따라 보험가액이 변화할 수 있음을 예정하고, 공사의 대상이 되는 설비 등 구성 부분 자체도 공사의 목적에 부합하면 변경될 수 있다고 보는 것이 당사자 의사에 부합함.
- 건설기계와 달리 디큐브시티 건물 내 설치될 설비에는 별다른 제한을 두지 않음.
- 회사가 내부 자료에서 이 사건 설비 공사비를 'X. 기타비용'으로 분류했더라도, 그 성질상 순공사비에 해당하며, 내부 관리 편의를 위한 분류만으로 보험목적에서 제외할 의사였다고 단정할 수 없음.
- 결론: 이 사건 설비는 이 사건 보험계약의 보험목적물에 해당함.
확보한 수집 내용입니다. 전문 여부와 앞뒤 누락, 문단·표·공백의 원형 보존은 확인되지 않았습니다.
공식 원문 미확인
서울중앙지방법원 제29민사부 판결
사건: 2013가합39129 부당이득금 원고: 흥국화재해상보험 주식회사 피고: 대성산업 주식회사 변론종결: 2014. 12. 4. 판결선고: 2015. 1. 15.
1. 피고는 원고에게 238,918,577원 및 이에 대한 2013. 5. 22.부터 2015. 1. 15.까지는 연 6%, 그 다음날부터 다 갚는 날까지는 연 20%의 각 비율로 계산한 돈을 지급하라. 2. 원고의 주위적 청구 및 나머지 예비적 청구를 모두 기각한다. 3. 소송비용 중 4/5는 원고가, 나머지는 피고가 부담한다. 4. 제1항은 가집행할 수 있다.
1. 기초사실 피고는 2007. 무렵부터 서울 구로구 신도림동 360-51 외 8필지 지상에 주상복합건물인 신도림 디큐브시티의 신축·분양사업을 시행하면서 직접 그 신축공사(아래에서는'이 사건 공사'라고 한다)를 담당하였다. 피고는 2007. 7. 29. 원고와 이 사건 공사를 보험목적으로 하는 내용의 건설공사보험계약을 맺었다. 그 주요 내용은 다음과 같다(아래에서는 '이 사건 보험계약'이라 한다). <table_bc id="2_1" src="20210708/34d83ec8fa2aed1b_table_1.jpg" width="1323" height="774" x_position="164" y_position="1053" /
{"source_kind": "bigcase_html", "member_only": false, "extraction_method": "next_data", "ai_summary": "# \uac74\uc124\uacf5\uc0ac\ubcf4\ud5d8\uacc4\uc57d\uc0c1 \ubcf4\ud5d8\ubaa9\uc801\ubb3c \ud310\ub2e8 \ubc0f \ubcf4\ud5d8\uae08\uccad\uad6c\uad8c \uc0c1\uc2e4 \uc5ec\ubd80\n## \uacb0\uacfc \uc694\uc57d\n- \ud53c\uace0\uac00 \uc6d0\uace0\uc5d0\uac8c \ucd08\uacfc \uc9c0\uae09\ubc1b\uc740 \ubd80\ub2f9\uc774\ub4dd\uae08 238,918,577\uc6d0 \ubc0f \uc774\uc5d0 \ub300\ud55c \uc9c0\uc5f0\uc190\ud574\uae08\uc744 \uc9c0\uae09\ud568.\n- \uc6d0\uace0\uc758 \uc8fc\uc704\uc801 \uccad\uad6c(\ubcf4\ud5d8\uae08 \uc804\uc561 \ubc18\ud658)\ub294 \uae30\uac01\ud558\uace0, \uc608\ube44\uc801 \uccad\uad6c(\ucd08\uacfc \uc9c0\uae09 \ubcf4\ud5d8\uae08 \ubc18\ud658)\ub294 \uc77c\ubd80 \uc778\uc6a9\ud568.\n## \uc0ac\uc2e4\uad00\uacc4\n- \ud53c\uace0\ub294 2007\ub144\uacbd \uc8fc\uc0c1\ubcf5\ud569\uac74\ubb3c \uc2e0\ub3c4\ub9bc \ub514\ud050\ube0c\uc2dc\ud2f0 \uc2e0\ucd95\u00b7\ubd84\uc591\uc0ac\uc5c5\uc744 \uc2dc\ud589\ud558\uba70 \uc9c1\uc811 \uc2e0\ucd95\uacf5\uc0ac\ub97c \ub2f4\ub2f9\ud568.\n- \ud53c\uace0\ub294 2007. 7. 29. \uc6d0\uace0\uc640 \uc774 \uc0ac\uac74 \uacf5\uc0ac\ub97c \ubcf4\ud5d8\ubaa9\uc801\uc73c\ub85c \ud558\ub294 \uac74\uc124\uacf5\uc0ac\ubcf4\ud5d8\uacc4\uc57d\uc744 \uccb4\uacb0\ud568.\n- 2010. 9. 21. \uc9d1\uc911\ud638\uc6b0\ub85c \uc774 \uc0ac\uac74 \uacf5\uc0ac \ud604\uc7a5 \uc9c0\ud558 8\uce35\uc5d0 \uc704\uce58\ud55c \uc9d1\ub2e8\uc5d0\ub108\uc9c0\uacf5\uae09 \uc2dc\uc2a4\ud15c \uc5f4\ubcd1\ud569\ubc1c\uc804\uc124\ube44(\uc774 \uc0ac\uac74 \uc124\ube44)\uac00 \uce68\uc218\ub418\uc5b4 \uc190\uc0c1\ub418\ub294 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud568.\n- \ud53c\uace0\ub294 2010. 9. 29. \uc6d0\uace0\uc5d0\uac8c \uc774 \uc0ac\uac74 \uc0ac\uace0\ub97c \uc811\uc218\ud558\uace0 \ubcf4\ud5d8\uae08 \uc9c0\uae09\uc744 \uccad\uad6c\ud568.\n- \uc6d0\uace0\ub294 \ud53c\uace0\uac00 \uc2e0\uace0\ud55c \ubcf4\ud5d8\uac00\uc561\uc5d0 \uae30\ucd08\ud558\uc5ec \uc774 \uc0ac\uac74 \uc124\ube44 \uc190\uc0c1\uc73c\ub85c \uc778\ud55c \ubcf4\ud5d8\uae08 1,234,983,288\uc6d0\uc744 \uc0b0\ucd9c, 2011. 3. 11. 6\uc5b5 \uc6d0, 2011. 5. 18. 634,983,288\uc6d0 \ud569\uacc4 1,234,983,288\uc6d0\uc744 \uc9c0\uae09\ud568.\n## \ud575\uc2ec \uc7c1\uc810, \ubc95\ub9ac \ubc0f \ubc95\uc6d0\uc758 \ud310\ub2e8\n### \uc774 \uc0ac\uac74 \uc124\ube44\uac00 \ubcf4\ud5d8\ubaa9\uc801\ubb3c\uc5d0 \ud574\ub2f9\ud558\ub294\uc9c0 \uc5ec\ubd80\n- **\ubc95\ub9ac**: \uac74\uc124\uacf5\uc0ac\ubcf4\ud5d8\uc740 \uacf5\uc0ac\uae30\uac04 \uc911 \ubc1c\uc0dd\ud558\ub294 \ub2e4\uc591\ud55c \uc190\ud574\ub97c \ud3ec\uad04\uc801\uc73c\ub85c \uc804\ubcf4\ud560 \ud544\uc694\uc5d0\uc11c \uc778\uc815\ub418\ub294 \ud2b9\uc218\ud55c \uc190\ud574\ubcf4\ud5d8\uc784. \uacf5\uc0ac\ubb3c\uac74\ubcf4\ud5d8\uc758 \ubcf4\ud5d8\ubaa9\uc801\uc740 \uc6d0\uce59\uc801\uc73c\ub85c \uadf8 \uacf5\uc0ac \ubaa9\uc801\ubb3c \uc790\uccb4\uc758 \uc124\ube44 \ub4f1 \uad6c\uc131 \ubd80\ubd84\uc5d0 \ud3ec\uad04\uc801\uc73c\ub85c \ubbf8\uce68.\n- **\ubc95\uc6d0\uc758 \ud310\ub2e8**:\n- \uc774 \uc0ac\uac74 \uc124\ube44\ub294 \uc5f4\uacfc \uc804\uae30\ub97c \uc790\uccb4\uc801\uc73c\ub85c \uc0dd\uc0b0\ud558\uc5ec \ub514\ud050\ube0c\uc2dc\ud2f0 \uac74\ubb3c\uc5d0 \uacf5\uae09\ud558\ub294 \uc124\ube44\ub85c, \uacf5\uc0ac \ubaa9\uc801\ubb3c\uc778 \ub514\ud050\ube0c\uc2dc\ud2f0 \uac74\ubb3c\uc758 \uad6c\uc131 \ubd80\ubd84\uc5d0 \ud574\ub2f9\ud568.\n- \ud53c\uace0\ub294 \uc774 \uc0ac\uac74 \ubcf4\ud5d8\uacc4\uc57d \uccb4\uacb0 \uc804\ubd80\ud130 \uc774 \uc0ac\uac74 \uc124\ube44 \uc124\uce58 \uacc4\ud68d\uc744 \uc138\uc6e0\uace0, \uacc4\uc57d \ub2f9\uc2dc \ub0c9\ub09c\ubc29\uc124\ube44\uac00 \uc5f4\ubcd1\ud569\ubc1c\uc804\uc5d0 \uc758\ud568\uc744 \ub098\ud0c0\ub0b4\ub294 '\uac74\ucd95\uac1c\uc694'\uc640 \uc5f4\ubcd1\ud569\uae30\uacc4\uc2e4\uc774 \uae30\uc7ac\ub41c '\uac74\ubb3c\uc758 \ub2e8\uba74\ub3c4'\ub97c \uc6d0\uace0\uc5d0\uac8c \uc81c\ucd9c\ud568.\n- \uc774 \uc0ac\uac74 \ubcf4\ud5d8\uacc4\uc57d\uc740 \uacf5\uc0ac 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\uc120\uace0 2009\ub2e456603 \ud310\uacb0\n- **\ubc95\uc6d0\uc758 \ud310\ub2e8**:\n- \ud53c\uace0\uac00 \ub0b4\ubd80 \uc790\ub8cc\ub97c \uc218\uc815\ud558\uc5ec \uc774 \uc0ac\uac74 \uc124\ube44 \uacf5\uc0ac\ube44\ub97c \uc21c\uacf5\uc0ac\ube44\uc5d0 \ud3ec\ud568\ud55c \uac83\uc740, \uc774 \uc0ac\uac74 \uc124\ube44\uac00 \ubcf4\ud5d8\ubaa9\uc801\ubb3c\uc5d0 \ud574\ub2f9\ud558\ubbc0\ub85c \uc815\ub2f9\ud55c \uc870\uce58\uc784.\n- \ud53c\uace0\uac00 \ubcf4\ud5d8\uac00\uc561\uc744 \ucd95\uc18c \uc2e0\uace0\ud558\uba70 2009. 8. 7.\uc790 \uc2e4\ud589\uc608\uc0b0\uc11c\ub97c \uc81c\ucd9c\ud588\uc73c\ub098, \uadfc\uac70 \uc11c\ub958\ub97c \uc870\uc791\ud558\uac70\ub098 \uc190\ud574\ub0b4\uc5ed\uc744 \uacfc\uc7a5\ud558\uc9c0\ub294 \uc54a\uc74c.\n- \uc6d0\uace0\ub294 \ud53c\uace0\uc758 \ubcf4\ud5d8\uae08 \uccad\uad6c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ubcf4\ud5d8\uac00\uc561\uc758 \uc801\uc815\uc131\uc744 \uc2ec\uc0ac\ud560 \uc218 \uc788\uc5c8\uc74c\uc5d0\ub3c4, \uc774 \uc0ac\uac74 \uc0ac\uace0 \ub2f9\uc2dc\uc758 \ubcf4\ud5d8\uac00\uc561\uc744 \ud655\uc815\ud558\uae30 \uc704\ud55c \uc801\uadf9\uc801\uc778 \uc870\uce58\ub97c \ucde8\ud558\uc9c0 \uc54a\uc74c.\n- **\uacb0\ub860**: \ud53c\uace0\uac00 \ubcf4\ud5d8\uac00\uc561\uc744 \ub2e4\uc18c \ucd95\uc18c \uc2e0\uace0\ud558\uc5ec \uacfc\ub2e4\ud55c \ubcf4\ud5d8\uae08\uc744 \ubc1b\uc558\ub354\ub77c\ub3c4, \uc774\ub85c \uc778\ud574 \ud53c\uace0\uc758 \ubcf4\ud5d8\uae08 \uccad\uad6c\uad8c \uc804\uccb4\uac00 \uc0c1\uc2e4\ub41c\ub2e4\uace0 \ubcf4\uae30\ub294 \uc5b4\ub824\uc6c0.\n### \ucd08\uacfc \uc9c0\uae09\ub41c \ubcf4\ud5d8\uae08\uc758 \ubd80\ub2f9\uc774\ub4dd \ubc18\ud658 \uc758\ubb34\n- **\ubc95\uc6d0\uc758 \ud310\ub2e8**:\n- \ud53c\uace0\uac00 \uc774 \uc0ac\uac74 \uc124\ube44 \uc190\uc0c1\uc73c\ub85c \ubc1b\uc744 \uc218 \uc788\ub294 \uc815\ub2f9\ud55c \ubcf4\ud5d8\uae08\uc740 996,064,711\uc6d0\uc784.\n- \ud53c\uace0\uac00 \uc774\ubbf8 \uc218\ub839\ud55c \ubcf4\ud5d8\uae08 1,234,983,288\uc6d0\uc5d0\uc11c \uc815\ub2f9\ud55c \ubcf4\ud5d8\uae08\uc744 \uc81c\uc678\ud55c 238,918,577\uc6d0\uc740 \ucd08\uacfc \uc9c0\uae09\ub41c \ubd80\ub2f9\uc774\ub4dd\uae08\uc784.\n- \ud53c\uace0\ub294 \uc6d0\uace0\uc5d0\uac8c \ucd08\uacfc \uc9c0\uae09\ubc1b\uc740 \ubd80\ub2f9\uc774\ub4dd\uae08 238,918,577\uc6d0 \ubc0f \uc774\uc5d0 \ub300\ud55c \uc774 \uc0ac\uac74 \uc18c\uc81c\uae30\uc77c\uc778 2013. 5. 22.\ubd80\ud130 \uc0c1\ubc95\uc0c1 \uc5f0 6%, \uc18c\uc1a1\ucd09\uc9c4 \ub4f1\uc5d0 \uad00\ud55c \ud2b9\ub840\ubc95\uc0c1 \uc5f0 20%\uc758 \uc9c0\uc5f0\uc190\ud574\uae08\uc744 \uc9c0\uae09\ud560 \uc758\ubb34\uac00 \uc788\uc74c.\n- \ud53c\uace0\uac00 \uc545\uc758\uc758 \uc218\uc775\uc790\uc784\uc744 \uc778\uc815\ud558\uae30\uc5d0\ub294 \uc99d\uac70\uac00 \ubd80\uc871\ud558\ub098, \uc774 \uc0ac\uac74 \uc18c\uc81c\uae30\uc77c\uc778 2013. 5. 22.\ubd80\ud130\ub294 \uc545\uc758\uc758 \uc218\uc775\uc790\ub85c \uc778\uc815\ub428.\n#### \uad00\ub828 \ud310\ub840 \ubc0f \ubc95\ub839\n- \ubbfc\ubc95 \uc81c749\uc870 \uc81c2\ud56d: \uc120\uc758\uc758 \uc218\uc775\uc790\uac00 \ud328\uc18c\ud55c \ub54c\uc5d0\ub294 \uadf8 \uc18c\ub97c \uc81c\uae30\ud55c \ub54c\ubd80\ud130 \uc545\uc758\uc758 \uc218\uc775\uc790\ub85c \ubcf8\ub2e4.\n- \uc0c1\ubc95 \uc81c660\uc870: \ubcf4\ud5d8\uae08\uccad\uad6c\uad8c\uc758 \uc18c\uba78\uc2dc\ud6a8\ub294 2\ub144\uc73c\ub85c \ud55c\ub2e4. (\ud310\uacb0\ubb38\uc5d0\ub294 \uc9c1\uc811 \uc778\uc6a9\ub418\uc9c0 \uc54a\uc558\uc73c\ub098, \uc9c0\uc5f0\uc190\ud574\uae08 \uc774\uc728 \uad00\ub828\ud558\uc5ec \uc0c1\ubc95\uc774 \uc5b8\uae09\ub428)\n- \uc18c\uc1a1\ucd09\uc9c4 \ub4f1\uc5d0 \uad00\ud55c \ud2b9\ub840\ubc95 \uc81c3\uc870: \uae08\uc804\ucc44\ubb34\uc758 \uc774\ud589\uc744 \uba85\ud558\ub294 \ud310\uacb0\uc744 \uc120\uace0\ud560 \uacbd\uc6b0\uc5d0 \uae08\uc804\ucc44\ubb34\ubd88\uc774\ud589\uc73c\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1\uc561 \uc0b0\uc815\uc758 \uae30\uc900\uc774 \ub418\ub294 \ubc95\uc815\uc774\uc728\uc740 \uc5f0 20%\ub85c \ud55c\ub2e4.\n## \uac80\ud1a0\n- \ubcf8 \ud310\uacb0\uc740 \uac74\uc124\uacf5\uc0ac\ubcf4\ud5d8\uc758 \ud3ec\uad04\uc801\uc778 \uc131\uaca9\uc744 \uc778\uc815\ud558\uc5ec, \uacc4\uc57d \ub2f9\uc2dc \uba85\uc2dc\uc801\uc73c\ub85c \ud3ec\ud568\ub418\uc9c0 \uc54a\uc558\ub354\ub77c\ub3c4 \uacf5\uc0ac \ubaa9\uc801\ubb3c\uc758 \ud544\uc218 \uad6c\uc131 \uc694\uc18c\uc778 \uc124\ube44\ub294 \ubcf4\ud5d8\ubaa9\uc801\ubb3c\uc5d0 \ud574\ub2f9\ud55c\ub2e4\uace0 \ud310\ub2e8\ud568. \uc774\ub294 \uac74\uc124\uacf5\uc0ac\ubcf4\ud5d8\uc758 \ucde8\uc9c0\uc778 \ud3ec\uad04\uc801 \uc704\ud5d8 \ubcf4\uc7a5\uc744 \uac15\uc870\ud558\ub294 \uac83\uc73c\ub85c \ubcf4\uc784.\n- \ubcf4\ud5d8\uae08 \uccad\uad6c\uad8c \uc0c1\uc2e4 \uc5ec\ubd80 \ud310\ub2e8 \uc2dc, \ub2e8\uc21c\ud788 \uacfc\ub2e4 \uccad\uad6c \uc0ac\uc2e4\ub9cc\uc73c\ub85c \ubcf4\ud5d8\uae08 \uccad\uad6c\uad8c \uc804\uccb4\ub97c \uc0c1\uc2e4\uc2dc\ud0a4\uae30\ubcf4\ub2e4\ub294, \ubd80\ub2f9\ud589\uc704\uc758 \uc815\ub3c4, \uc870\uc791 \uc5ec\ubd80, \ubcf4\ud5d8\uc0ac\uc758 \uc2ec\uc0ac \ucc45\uc784 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec \ud310\ub2e8\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uacc4\uc57d\uc758 \uc0ac\ud68c\uc801 \ud6a8\uc6a9\uc744 \ubcf4\ud638\ud558\ub824\ub294 \ud0dc\ub3c4\ub97c \ubcf4\uc784.\n- \ubcf4\ud5d8\uac00\uc561 \uc0b0\uc815\uc758 \ucc45\uc784\uc774 \ubcf4\ud5d8\uc0ac\uc5d0\ub3c4 \uc77c\ubd80 \uc788\uc74c\uc744 \uc778\uc815\ud558\uc5ec, \ubcf4\ud5d8\uc0ac\uac00 \uc801\uadf9\uc801\uc778 \uc2ec\uc0ac \uc758\ubb34\ub97c \ub2e4\ud558\uc9c0 \uc54a\uc740 \uc810\uc744 \uace0\ub824\ud55c \uac83\uc73c\ub85c \ud574\uc11d\ub428.\n- \ucd08\uacfc \uc9c0\uae09\ub41c \ubcf4\ud5d8\uae08\uc5d0 \ub300\ud55c \ubd80\ub2f9\uc774\ub4dd \ubc18\ud658\uc744 \uc778\uc815\ud558\uba74\uc11c\ub3c4, \uc545\uc758\uc758 \uc218\uc775\uc790 \ud310\ub2e8 \uc2dc\uc810\uc744 \uc18c\uc81c\uae30\uc77c\ub85c \ubcf4\uc544 \ud53c\uace0\uc758 \uacfc\uc2e4 \uc815\ub3c4\ub97c \uc2e0\uc911\ud558\uac8c \ud310\ub2e8\ud55c \uac83\uc73c\ub85c \ubcf4\uc784. \uc774\ub294 \ubcf4\ud5d8\uae08 \uccad\uad6c \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \ucc29\uc624\ub098 \uacfc\uc2e4\uc5d0 \ub300\ud55c \ubc95\uc6d0\uc758 \uc720\uc5f0\ud55c \ud0dc\ub3c4\ub97c \ubcf4\uc5ec\uc90c."}
회사의 보험금청구권 상실 여부
- 법리: 약관조항에 의한 보험금청구권의 상실 여부는 그 취지를 감안하여 보험금청구권자의 청구와 관련된 부당행위의 정도 등과 보험의 사회적 효용 내지 경제적 기능을 종합적으로 비교, 교량하여 결정해야 함.
- 대법원 2009. 12. 10. 선고 2009다56603 판결
- 법원의 판단:
- 회사가 내부 자료를 수정하여 이 사건 설비 공사비를 순공사비에 포함한 것은, 이 사건 설비가 보험목적물에 해당하므로 정당한 조치임.
- 회사가 보험가액을 축소 신고하며 2009. 8. 7.자 실행예산서를 제출했으나, 근거 서류를 조작하거나 손해내역을 과장하지는 않음.
- 근로자는 회사의 보험금 청구에도 불구하고 보험가액의 적정성을 심사할 수 있었음에도, 해당 사고 당시의 보험가액을 확정하기 위한 적극적인 조치를 취하지 않음.
- 결론: 회사가 보험가액을 다소 축소 신고하여 과다한 보험금을 받았더라도, 이로 인해 회사의 보험금 청구권 전체가 상실된다고 보기는 어려움.
초과 지급된 보험금의 부당이득 반환 의무
- 법원의 판단:
- 회사가 이 사건 설비 손상으로 받을 수 있는 정당한 보험금은 996,064,711원임.
- 회사가 이미 수령한 보험금 1,234,983,288원에서 정당한 보험금을 제외한 238,918,577원은 초과 지급된 부당이득금임.