Even though automobile insurance has developed astonishingly with the improvement of automobile insurance systems and standard clauses for the victims of automobile accidents, the victims rarely get enough salvation because minimum compensation has been preferred to positive compensation in Korea where high automobile-accident rate has been reported. Besides, the status of clause is absolute in automobile insurance policies, and important standards for interpreting the contract and the amount of damages play a crucial role in compensating the loss of life and property. Actually the usefulness and the necessity of automobile insurance clauses have been proved to be indispensable in automobile insurance. However, the contractor cannot be protected by automobile insurance unless he or she accepts the whole clauses because a typical "Adhesion contract" is only made one-sidedly by insurance companies who are equipped with expertise and experience. Furthermore, insurance consumers have had a hard time understanding the clauses, and insurance companies have caused a lot of problems interpreting the clauses one-sidedly and arbitrarily. That's why consumers are dissatisfied with insurance money estimated by the clauses. Therefore, this research focuses on coordinating the interests of both parties and minimizing the problems related with the interpretation of clauses and, at the same time, protecting the rights of insurance consumers.