Featuring insurance multiple characteristics of the contract, can be summarized in that: a consensual contract is by mutual consent of the contractors, and contract netting each receive a party on versus what gives him, he held a probabilistic in which each of the contractors or one of them does not know when concluded how much they take him or give him the contract, Vihdd the extent of its obligations or its utility in the future when there is not an investigator falling or unknown time winning; it is a binding contract for both sides, as both of them have committed to one another, and continues a decade playing time major the role so that the obligations arising him a frequent performances continue to fulfill the length of time, which is bonded a unique one of the contractors put the terms of the contract and determine its content so as not to be in front of the other contracting, if they wanted the contract, only to accept in advance the stomach conditions without having the right to be discussed; and also likely to be a contract of insurance contract commercial or civilians to stop the recipe limbs, a contract in good faith like that of all the legal contracts. [70]
A party to the contract [edit]
The insurance contract is a contract between the insurer and the insured, obliged under which the insurer has to pay compensation to the insured or beneficiary is the amount of money provided for in the contract of insurance, and the insurer shall abide in turn pay the premium all at once or at regular premiums, [71] and frequently Indeed, as evidenced by the insured person serves as the conclusion of the insurance contract, as well as the case of the insured. And mostly it is insured stock company, the insurer has taken another form, a cross or the Cooperative Insurance Society. It does not provoke the parties to determine the insurance contract in the case of mutual insurance cooperative or particularly difficult, as each member of the mutual insurance association or cooperative is a believer and a believer in him at the same time. As for the insurance companies, where the inseparable character insured for personal Insured, Valtaaked are originally from the insurance company as an insurer and among the clients who are insured. However, this contract is not usually directly between the insurance company and the customer, as it tends to mediate between them and intermediaries. [72] vary the power of a mediator depending on the image. The mediator may be authorized agents, which enjoys the broadest powers may enjoy insurance brokers, where it is to enter into the contract, and have to make any amendment to the contract to extend and terminate the contract, and has, if the contract was to be caught premiums and evens sums insured. Willie Commissioner agent in the delegate authority with a general power of attorney, and that the mediator to conclude an insurance contract with the insured according to the terms of the general insurance familiar without having modified both for the benefit of the insured or the insured. [73]
For an insurance company client practiced during his work.
It may be an insurance broker broker, which has a narrower authorities owned insurance brokers, which, and the extent to his authority varies depending on the circumstances, the authority to be the mediator is pointing the border, in this case does not have the authority to enter into an insurance contract with the insured, so its role is limited in this regard on the search for a client who contracted directly with the insurance company, and is this then hand over the insurance policy mechanism to deliver them in turn to the insured, for it is the broker in this case some limited powers in the field of implementation of the contract, Kqd premiums and compensation payable and the delivery of insurance policies and contract extension issued by the insurer, and deliver the data that the insured must be provided to the insured in the course of a decade. If the broker authority has identified clearly so that was limited to just searching for a believer to him, the mission determined that ends his role to perform this task, and the conclusion of the insurance contract between the insurer and the insured directly, but this is not binding in his personal capacity and not in his capacity as a guarantor for the payment of insurance amount , nor shall be responsible for the insurance company promised a Realtor from modifying general insurance conditions contained in the insurance policy or add these conditions. [74]
The other party to the insurance contract, which is insured, combines normally, particularly in the insurance of damages, the qualities of three things: First, it contracted with the insured party, and as such bear all the obligations arising from the insurance contract and the corresponding obligations of the insured, it is called as such « student insurance »some call« trustee ». Second, a person who threatened him insured risk, some call in relation to this trait Palmstomn, others call «insured», also called «insured» a label predominant in jurisprudence. A third person who caught the amount of insurance that the insurance company is committed to pay at the check danger, and as such called «the beneficiary». This party has been in the insurance contract - Insured - to contract with the other party - the insurer - directly as authentic. Has entered into the insurance contract a deputy of the insured, the MP may be an agent may also be curious (1) When the conditions Fadalah available. Terms Fadalah may not be available, however the person hold insurance on behalf of another without the agency, if approved third parties that take it from the insurance for him and his agent. [75]
As a Contracting recipes meeting and the insured and the beneficiary, as noted above, they may diverge on several people. It may be contracted or student insurance and insured one person and the beneficiary is someone else. This is very much in the case of life insurance when a person believes in his life for the sake of his children, for example, so that person is a student insurance because it is contracted with the insurance company, which is in the same insured time for him, because he believed his life was, and the beneficiary, which dates back to the amount of insurance understanding of his children. It may be contracted or student insurance and beneficiary of one person, and the insured someone else, and be, for example, in the event that the security of people's life City, where the contractor is the beneficiary of the insurance, and the debtor is the insured or the insured for his life. It also may be insured and beneficiary of one person, and be the contractor, any student insurance someone else. And it is so in the case of insurance for the account of proving him right in it, or in general insurance for the account of others. For example, a person who enters into insurance against liability for motor vehicle accidents account for any driver driving the owner of an SUV is the contractor, and the insured and the beneficiary is any driver driving the car. [76] Finally, it has dispersed the previous DETAILS three people as it is contracted, or student insurance, someone other than the insured and the beneficiary, and be insured contractor and the beneficiary is an independent person, and there is a beneficiary, who resigned from the insured and the contractor, for example, insurance concluded by a person on another life. [77]
Conclusion of the contract [edit]
The conclusion of the insurance contract in practice several stages characterized by the passing of this decade for other contracts. It is submitting a request from a student insurance to the insured. May need to decide on the application by the insured to the period has been lengthened until the latter decided and ordered him to accept the coverage of insurance risk to be him. This may be agreed to cover this risk a temporary cover over the period until the signing of the final document of insurance. And mostly that the insurance applicant does not seek himself a believer in his headquarters, but an insurance broker in his native sought to urge him to conclude the contract and the statement of the benefits of insurance and the type of insurance that suits him, if persuaded gave him a mediator model is printed to the request of the insurance by the insured before. Such a request typically includes a set of questions related to key elements of the contract to be concluded and private insurance required him to the danger and the circumstances surrounding this risk and the amount of insurance that the insurer undertakes to pay when you check this danger and the amount of the premiums payable and the dates of payment. The insurance demanded answers to those questions and sign the application and submit it to the mediator sends it to the insurer. No longer just answer the questions contained in the insurance application and sign this request and delivered as the previous one hand positively student insurance contract for his part. Also, the insurance company or its representative to deliver the request to the student insurance is not a positive one hand insured. Therefore, this request does not need to be any of the parties. On the one hand the insured can not say that just handed over the printed application to the student insurance means that it has issued a positive binding, it is this work but aims to obtain the necessary data through which stand on the danger to be insurance him and his circumstances and self-acceptance contract are aware of it, as as well as it can determine the straight-duty performance. Therefore, the insurer retains its ability to accept the request and rejected. If rejected the contract was not binding something about student insurance does not call for a statement on the reasons for this rejection. [78]
A life insurance policy for US President James twentieth گarfield.
In terms of student insurance, simply apply the insurance site it does not have to as well, whether it takes the image of the answers to the questions in printed form in knowing the insurer, or an image request edited by student insurance his knowledge on ordinary paper, so that the submission of such a request but is intended to, in terms of student insurance, know the terms of the contract, especially the premium that must be paid in exchange for insurance. Therefore, if the insurer's response to the request arrived not be binding on student insurance contract. [79] [80] However, the insurance request from the student insurance is positively For his part, if all the necessary guarantees for the basic elements of the insurance contract. If appointed to this demand set a time to accept the insured, the insurance applicant is committed to retain his proposal is not reversed in the deadline can be expressed by the insured of his control during this period. If he returned for his proposal during this period it does not affect the conclusion of the contract. And it achieved the same effect if you set a time not specified in the request whenever possible deduced from the circumstances of the case or of the nature of the transaction. If the request did not include set a time of admission could not be drawn this period of circumstances, is permissible for a student insurance back for his proposal as long as it is not accompanied by the acceptance insured. [81] may take to consider accepting the request of insurance and respond to it a long time, and that in the case of accepting the request insurance by the insured, the liberalization of the insurance policy and signed by the student insurance may take a long time, no doubt that student insurance is exposed during this period, or those at risk who wants to believe in himself of it leading to bear its consequences alone if during this period. Therefore, and for the desire to cover direct danger during the period prior to the contract permanently and arranged for its effects, student insurance is consistent with the insurer to cover temporary risk during that period. This is done through a temporary memorandum under which the insurer is committed to bear the risk when it occurs on terms to be agreed upon between the parties. [82]
Contract replaces [edit]
There are multiple elements to replace the insurance contract and all obligations arising out of it, and these elements are the risk premium and the insurer's performance and interest. [83]
DANGER: is a key element in the insurance contract, are intended insurance is to ensure that the insured from the results that may result if the risk target. [80] The danger is the basis of all insured accounts. [84] could risk defined as a possible accident to fall does not stop achieved by the sheer will of one of the contractors, and in particular the will of the insured.
Installment: it can be defined as a straight cash amount paid by the insured for the insured versus last held liable for insured him the danger. A premium is the price of safety, which gets it insured, [85] it as the price in the contract of sale and Kalojrh in the lease.
The performance of the believer is a place of commitment, a work that he has to do when you check the risk insured against. And place of this performance, which is usually in the amount of insurance, the premium corresponds to a performance that is committed to doing the insured replaced. [86]
Interest: interest in the intended benefit to the insured if the risk of non-insured him insurance.
ليست هناك تعليقات