Many relate to insurance with irony.And in vain.Insurance services offered to citizens, make life much easier, ensuring compensation in case of unforeseen incidents occurred and unhappiness.The question: "From what you insure?"Agents respond with a smile: "From everything".And indeed, you can insure absolutely everything, starting with his own life and business, ending his beloved dog.
forms of insurance are divided into two main law: voluntary and compulsory insurance.
begin with compulsory.From this form of insurance is impossible to refuse.The initiator here is the state, requiring both legal and physical persons pay a certain amount going on public interests.As an example - a ticket for the bus or train: its cost is already included insurance.If, God forbid, with you something happens on the road, you can make a complaint to the carrier, and it will be obliged, after consideration of the case, to pay damages.Well, the whole amount, "filmed" with you when buying a ticket, go to the above public interest.With the mandatory forms of insurance as the state protects the individual policyholder and the whole society.Here work legislation providing for the objects to be precisely this type of insurance;the amount of liability;standards support (with a list of the duties and rights of the parties);tariff rates and other charges. The law determines and insurance organizations engaged in compulsory insurance.
Besides this form of insurance there is another, voluntary, is a closed layout of damage between the members of the community with established legal norms.Initiators here - natural and legal persons, business entities.The main feature of this form of social insurance is voluntary, confirmed the agreement between the insurer and fear.Typically, between a dealer (broker or agent).All the nuances are reflected in the insurance policy.The regulatory framework established insurance legislation.Conditions and rules developed by the insurer must be licensed by the state supervision.
Voluntary insurance, as opposed to mandatory, is, first of all, certain terms that should definitely be reflected in the concluded agreement (responsibility lies with the insurer only for a specified period).The contract only in writing and shall become effective after the payment of a certain amount (insurance premium).Note: long-term insurance linked with regular cash contributions (quarterly, monthly) and does not apply if contributions are not paid.Personal insurance, as well as property insurance, is part of the legal (civil) and enters into a contractual obligation.According to the contract, one party pays a certain amount of contributions, and the other - is obliged, if necessary, to provide insurance services (to compensate the consequences of insurance claims).
Insurance can be mutual, joint-stock, cooperative and state.
refers to a special form of health insurance, which is intended to guarantee receipt of care (according, again, the insured event).Assistance is provided through the storage means municipal and state health systems.Subjects of insurance - the insured, the insurer, and medical facilities (clinics, hospitals, etc.).
Another independent sector - insurance fire, carried out in two basic forms (voluntary and mandatory, ongoing enterprises and foreign legal entities engaged in entrepreneurial activities).The terms and procedure established by law Insurance Federation.
