In Russia, there are many insurance companies offering their services to the public.The article in question that the insured event - an event that is done, implying a guaranteed payment to the insured according to the law.
Species insurance
relationships that protect the rights of individuals and legal entities, regional and municipal organizations when certain unpleasant incidents contract due to money funds generated from contributions paid by insurers or other other means, called insurance.It is optional and voluntary.
Types:
- Private - medical (health, accidents) and pensions.On this basis it developed many different products.
- civil liability (damage to health or property of the third parties - companies or citizens).
- Property (cargo, any means of transport, financial risks).
- Reinsurance - a system of relations, which includes the transfer of some responsibilities from one person to another insurance company.
relationship between the insurer and the insured
Is the insurance case any negative incident?This statement is to be clarified by virtue of certain conditions of the contract, which must be clearly spelled out the obligations of the parties.
By law, an insured event - this is not any adverse circumstances that have occurred since the injured party and the event occurs, strictly fixed in the contract.
Insurers - funds, providing services to protect the rights of their wards and assume security for the payment of sums of money upon the occurrence of unforeseen circumstances, the stipulated in the concluded agreements between the parties.
Insured - a person (individual or company) who pay premiums and receive compensation upon the occurrence of various adverse effects, prescribed in the contract.
What is meant by uninsurable
Insurance event - a fact confirmed with damage to the insured person, as a result of which the insurer in accordance with the law and the agreement concluded, it is obliged to compensate.
insured event is:
- onset of the disease in health insurance.
- accident, which occurred in contact with the vehicle in an accident.
- fire and theft of property.
- bankruptcy.
- Natural disasters (floods, storms, hurricanes).
These species are only valid if they are specified in the agreement Fund, which stipulated that the insured event - the offensive adverse conditions that should be made to the insurer.He invited the evaluator and will make the payment of compensation for losses incurred.
Currently, there are many companies that consolidated their strong position in the insurance market.One of the biggest - "SOGAZ" Rosgosstrakh "," Ingosstrakh "," consent "," alliance "," RESO-Garantia "," Alfa Insurance "," SSC "," VTB Insurance "and" Insurance Group MSK".The funds have a positive reputation, robust reserves and are ready to offer its customers a variety of profitable products.
