원고와 소외인은 2010. 2. 25. 피고를 피보험자 겸 보험수익자로 하는 원심판결 별지 제1항 기재 보험계약을 체결하였다가 2013. 6. 24. 보험계약자를 소외인에서 피고로 변경하였다.
The Plaintiff and the Nonparty entered into the insurance contract in paragraph 1 of the lower ruling on February 25, 2010, which states that the Defendant is the insured and the beneficiary of the insurance, and changed the policyholder from the Nonparty to the Defendant in June 24, 2013.