Wednesday, May 25, 2011
The Insurance
For "insurance" refers to a contract that transfers the risk of damage from a subject (insured) to another (insurer). This type of contract (insurance) is defined as "insurance policy", it assured that the applicant wants to pay a certain sum of money (premium), to set deadlines on the contract itself, all while 'compensation insurer responsible for any damage to property owned the insured ', as a consequence of a specific event (left).
The contractor may well restrict or cancel the negative effects, and their dependents, arising from the risk event. To take out insurance (insurance policy) must be present for this condition: the existence of risk and that both parties should not have control over the hazard and the possibility that it occurs (hazard risk). Civil Code [Articles. 1882-1932]
Insurance companies have contracts with which the 'insurer to pay a premium, is bound to retaliate' s insured, within the agreed limits, for damage to it from an accident, or to pay a lump sum or an income if an event related to human life.
The purpose of insurance is to convert the risk in spending, through the payment of the premium the insurance company assumes the obligation to pay all 'secured the capital agreed upon the occurrence of the accident. The award is the insurance cost, estimated on the basis of probabilities that the incident from occurring, whereas a number of elements.
Some forms of insurance are mandatory, as the "civil liability for the use of vehicles" (RC car) and to subscribe to INAIL for a large section of the workforce. The insurance contract can be terminated only by mutual consent or for reasons allowed by law. In case of inability of the parties or by an error of vice, violence and deceit, it is possible to annulabilità of the contract. Tend, there are two categories of insurance:
The contractor may well restrict or cancel the negative effects, and their dependents, arising from the risk event. To take out insurance (insurance policy) must be present for this condition: the existence of risk and that both parties should not have control over the hazard and the possibility that it occurs (hazard risk). Civil Code [Articles. 1882-1932]
Insurance companies have contracts with which the 'insurer to pay a premium, is bound to retaliate' s insured, within the agreed limits, for damage to it from an accident, or to pay a lump sum or an income if an event related to human life.
The purpose of insurance is to convert the risk in spending, through the payment of the premium the insurance company assumes the obligation to pay all 'secured the capital agreed upon the occurrence of the accident. The award is the insurance cost, estimated on the basis of probabilities that the incident from occurring, whereas a number of elements.
Some forms of insurance are mandatory, as the "civil liability for the use of vehicles" (RC car) and to subscribe to INAIL for a large section of the workforce. The insurance contract can be terminated only by mutual consent or for reasons allowed by law. In case of inability of the parties or by an error of vice, violence and deceit, it is possible to annulabilità of the contract. Tend, there are two categories of insurance:
- Insurance against damage
- Life Insurance
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| Insurance - contracts for the transfer of the damage |
Insurance against damage :
Insurance against injury to consider the deterioration, destruction and loss of property, the form for personal injury refers to the total or partial loss of ability to produce income, while liability insurance covers damages caused to third parties .
Life insurance:
Life insurance:
Life insurance protection when death occurs the insured '(accidental death), the attainment of a certain age (life event) and shall pay a lump sum after a specified date or in case of death of the recipient (mixed) .
Present categories, we can now define the two types of pension insurance:
Present categories, we can now define the two types of pension insurance:
- immediate annuity when it is required to be paid a single premium and the insurance company agrees to pay the rent on time in the contract 's insurance.
- deferred annuity, where the insurer undertakes to pay the rent or the capital after a number of years.
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