As insurance is an element of financial activity, enough considerable quantity of subjects takes part in it. It is the objective fact as it is possible to name insurance the main social and economic institute which protects people from influence of almost any emergency and dangerous situations. The insurance doctrine is the field of knowledge […]
As insurance is an element of financial activity, enough considerable quantity of subjects takes part in it. It is the objective fact as it is possible to name insurance the main social and economic institute which protects people from influence of almost any emergency and dangerous situations.
The insurance doctrine is the field of knowledge devoted to questions of insurance. In it there are opinions of representatives of various schools, and accordingly, it is possible to allocate some different definitions of a word “insurance”. According to one group of experts, by means of insurance people cope with troubles trapping them, but accumulation of means thus doesn’t occur. According to others, insurance serves as means of struggle with property and money as fills some losses. One more approach to insurance is an accumulation of means which can be spent for prevention of consequences of unpleasant situations in the future. Such approach names the theory of eventual requirements. It is necessary to notice that eventual requirements for the sake of which satisfaction insurance means collect are casual and unpredictable.
The different lines of thought and theories have been shown together to generate the general insurance doctrine from which the basic definitions of insurance proceed. At creation of such doctrine the various parties of insurance were considered: public, legal, financial and other.
The most important signs of insurance from financial side is a reciprocity with which help all means of participants of insurance are reduced in uniform insurance fund, and redistribution of this fund. Thanking these principles it is possible to satisfy eventual requirements of people.
If to approach to insurance from the legal point of view brave characters of the purpose of insurance and the insurance will be its most main signs. Besides, among legal signs of insurance it is necessary to note legal relationship, insurance accident, promptness of responsibility of the insurance organization and limitation of its responsibility.
To generate the basic signs of insurance, certain time which would specify in their importance and an invariance was necessary. The basic functions, the purposes and insurance problems, in turn, result from these principles.
Insurance presence can create sensation of safety: any trouble doesn’t look already such shocking as you will be provided by money. But during the most necessary moment can happen so what phone to the representative of the company you can’t, and their office is closed.
Swindle among the insurance companies is an unusual occurrence, successors already have practically died out, and here you can easily to face insurers who couldn’t calculate correctly the forces. Too low prices for clients can become direct road to bankruptcy.
One of the companies, for example, was ruined because the most part of payments has given to the swindlers who have successfully forged documents. When in office the present victims in failures have addressed, the company didn’t have any more a necessary volume of money.
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