Diversified insurance images at the present time until it became not fall under the limit, especially with the rapid developments in the modern era, where insurance became extends to areas did not have it any role in the past. [42] have settled jurisprudence division of the types of insurance to the two basic types namely insurance in terms of shape and insurance in terms of the subject.
Insurance in terms of shape [edit]
The division of insurance in terms of form is intended to be divided according to the authority or body which holds the insurance process. It is in this respect is divided into two types: secured a cooperative or interactively, and to secure a fixed premium.
Cooperative insurance or interactive: In this type with insurance are a group of people, linked to link interest and being at particular risk, the role of the insurer and the insured, in the framework of a cooperative grouping them, to compensate the damage to one of them, as a result if the risk insured it. And the amount of compensation to be paid from the total contributions that each member is committed to pay. Cooperative insurance is characterized by certain characteristics:
Meeting recipe insured and insured in every member of the Assembly at the same time. The sense that it does not exist in this type of insurance the insured pays a certain portion of the insured, but the same person serves as the insured and the insurer together and each of them pays a subscription, the total contributions to pay compensation to those who fall by the disaster, including.
The ability to participate paid by the insured to change, and not being a constant. So that the amount is paid by the user depending on the number of accidents that have already occurred during the year and how dangerous. [43] and the ability to participate may be absolute or relative. Change is be entertained at the start of cooperative insurance operations where the subscription value paid by all insured non-specific and depends on the number of accidents that befall the insured later and the extent of seriousness, may lead to increased participation times its original value in order to cover these incidents. However, the change in the amount of the contribution may be relatively so when you set a maximum limit for participation so that no more than the amount paid by the insurer to him after that for this maximum whatever the degree of damage. [44]
Solidarity among members, as members were cooperating mutual insurance association or cooperative in risk infecting someone or some coverage. That the extent of this solidarity depends on whether the difference in the value of participation at all, which is specified for a certain amount, or relatively speaking, no specific maximum common user does not prompt with more of it. [45]
Fixed annuity insurance: In this type of insurance is committed believer, an insurance company, to pay the insurance amount when the insured if the risk of it, compared to the fixed premiums paid by the insured. This makes it clear that the insured is not one person, and that the premium or performance that needs to be insured fixed, and the insurer is committed solely by the insured. Therefore, this type of insurance offers the following features: [46]
The separation of the insured for the insured, the insurance company, a believer, the role of mediator between the insured and combines them for use in premiums offset the damage that beset them.
Be a premium paid by the insured constant, meaning that it is determined by a certain amount since the conclusion of the contract. This is achieved by resorting to the insured statistics and technical studies to determine the rates and the type of disaster and the percentage achieved, and remains straight as well as for the duration of the contract. Insured shall be aware of what is committed to its performance since the conclusion of the contract.
The lack of solidarity between the insurer and the insured. The believer is obliged to pay him a straight-set from the start, and is committed believer alone to pay the insurance amount when the check danger. It does not depend only on himself in the performance of its obligations, and can not take any burden in this regard rests with the insured, whatever the size of the performances that stick out in the face of others, even if these performances exceeded the total premiums. And insured, any insurance company, in contrast, accounted for the gain derived from the devaluation of the total compensation for the premiums, so some people call this kind of indefinite commercial insurance. [47] [48]
Insurance in terms of subject [edit]
Insurance is divided on the merits, which is set to be several types, it is divided into marine insurance and the rivers and the air and ground, and to secure social insurance and insurance of persons and damage. [49]
Plane us airways flight 1549 after it landed in the Hudson River after colliding with a flock of Canadian geese. An example of weather risk that may be exposed to commercial aircraft and lead to cargo damage.
Maritime, river and air, land insurance: This division of the types of insurance on the basis of the nature of the risks insured ones. On this basis, the maritime insurance meant that type of insurance, which aims to cover the risk of maritime transport, both the risks that may cause the ship, such as drowning or fire, or the risks that threaten goods, such as damaged or sank. But marine insurance does not extend to the risks that may occur to persons who are on the ship, where the insurance on those entering the land insurance coverage. It follows marine insurance another image to secure a river insurance, covering this image transport risks in the water canals and rivers, this insurance is subject according to the majority opinion in the doctrine of the relevant provisions of the marine insurance. [50] [51] Air and insurance is insurance that covers air transport risk exposure her plane or its cargo of goods only, and is subject to this insurance as likely to land the provisions of insurance except as regulated by international treaties on it. The Wild insurance covers risks that do not fall under the previous species. [52]
Private insurance, social insurance: insurance means private insurance being done by the person to guard against the results of a given risk, an accident or threat thereof in the future. A person who does this insurance but seeks to achieve its own interest, the interest of any individual, [53] is to get the company to the safety of the insurance companies. In exchange for the interest of the individual solely insurance premiums. In this insurance that insurance companies are doing the latter goal will be to make a profit, this insurance is based on the technical and statistical foundations in order to achieve the goal of it. [53] It is characterized as an optional insurance, according to the original, although there have been cases where mandatory. The social insurance system is based on the achievement of general interest is the social risks to members of the working class and that may prevent them from direct their work, such as illness, disability, old age and unemployment coverage. This insurance responds to social considerations are based, in essence, the idea of solidarity or social solidarity. [54] Therefore, the state contributes with business owners and workers to bear the burden of this insurance, any contributions. [53] social insurance compulsory insurance, is not optional for the worker or the employer, when conditions available. Then entering in this insurance comes from the law that determines the conditions of the conditions and effects of commitment and does not have any of the parties relationship amendment in it. [55] Thus, the legal regulation of the insurance differs from that subject has its own insurance. Private insurance is subject to the rule pacta sunt servanda and the principle of authority will, as part of jus cogens, while social insurance whatsoever, the legislator organized in all its aspects both in terms of the terms and conditions, or the beneficiaries, as the state holds control organization handles its affairs. [56]
Insurance damage: in this type of insurance is risk insured of it focused on money and not the insured person. This insurance is designed to compensate the insured for what might be incurred from the damage caused by the occurrence of the risk insured him, that is his recipe compensatory, and it is not permissible for compensation that exceeds the amount of damage that has already occurred, and provided that it is within the roof top of the limits of the agreed insurance upon between the insurer and the insured . In this type of insurance is the right of the insured to return to the state it was in before it insured risk occurs. [57] It is not permissible that this insurance is a source of enrichment of the insured. Divided this type of insurance turn into two main categories: insurance of things and liability insurance.
Destroyed houses by the hurricane in Illinois America. Homeowners insurance is against nature a kind of insurance on things factors.
Car damaged by a collision in Koپnhaگn accident. Car insurance against accidents is considered a form of liability insurance.
Insurance things: This type of insurance damages intended to compensate the insured for the loss suffered by one of his funds when the check insured him the danger. It is in this picture does not have the only two parties: the insurer and the insured, which is at the same time, the beneficiary of the insurance. And securing things encompasses a wide range of types of insurance, including: securing homes from fire risk and secure livestock from the risk of death and to secure money from the robbery and secure crop damage from frost or natural factors. And falls under this insurance also credit insurance, then the insurance even though it is closer to banking operations than to the insurance but it is insurance on things as well. [58] also included in the insurance objects investment insurance and who believes whereby the owner of investment capital against risk is held commercial that may follow. [59] and the thing insured may be certain precisely the time of contract, such as insurance on the equipment or goods are found in a particular store, and may be in situations other than a specific contract time, but it Negotiable set when you check the disaster. [60]
ليست هناك تعليقات