The concept of "property insurance" is a legal definition of security interests of businesses and individuals.Insurers form certain cash account, which goes to the payment of certain insurance claims.Today, insurers circle widened, changed the concept of "property insurance".What it now means?
The new edition of the Law of Insurance provides property insurance of individuals related to their interests in the use, enjoyment and disposition of property.
When an insurance company enters into an insurance contract with the citizens, it is obliged to compensate the damage caused to them this property.In civil liability has several characteristic hell:
- property right;
- civil law, including the responsibility of the two parties entered into civil law relations with each other;
- the amount of liability, depending on the size of the loss or injury caused to.
Property insurance can be two forms: mandatory or voluntary.
case of voluntary insurance of property between the insurer and the insured is made treaties or rules of insurance on the basis of existing legislation.All conditions required to stipulate in those documents.
If a mandatory property insurance, it should be determined by the law of civil liability.Therefore, this type of insurance you need to be notarized.
Property insurance - is one of the branches.In her property and property interests of the act in the form of insurance relations.From an economic perspective, property insurance is compensation for damage that occurs as a result of an insured event.
policyholder can insure their own property as well as property in his possession, disposal and use.Taov can be ground and air transportation, the cargo, buildings, animals, equipment, harvest, farm, and more.
Insurance objects are divided into household furnishings, buildings, vehicles and animals.When the fear of animals cases deaths, forced the slaughter of the disaster, infectious disease, or fire, they insure, based on the book value of 70%.It is assumed that small livestock were insured voluntarily.They insure the full value along with the structure and household goods.This is done by a separate property insurance on the courtyard.
If property insurance As for houses, garages or outbuildings, the compulsory insurance provides 40% of their value according to the state assessment and voluntary - 60%.
should be noted that insurance is not subject to banknotes, documents, manuscripts, securities, precious metals products and antiques.
