Lamulo inshuwalansi

lamulo Insurance - wina wa nthambi ya malamulo omwe zayamba mogwirizana ndi kufunika kulimbitsa ubwenzi malamulo pakati pa inshuwaransi ndi insurer. Musanayambe kuika nkhani ndi njira lamulo la makampani, m'pofunika kufotokoza mfundo "inshuwalansi."

ubwenzi lakonzedwa kuteteza zofuna za anthu ndi mabungwe alamulo la Chitaganya cha Russian kapena nzika za Russian Federation, mizinda yambiri ake, akuwuka kwa chochitika inshuwaransi kumachitika chifukwa ndalama ndalama opangidwa kuchokera premiums inshuwalansi ndi inshuwalansi akuda ndi njira zina.

Kulunjika ubale inshuwalansi kwagona kuti zidzachitika pa maziko a lamulo la Mwina, kuyambira kampani ya inshuwalansi kunyamula inshuwalansi Kuphunzira za zochitika, zomwe, ngakhale kuti angagwe, koma ndi kumene iwo kuchitika, kodi zinawonongedwa silidziŵika.

maganizo

Insurance lamulo - dongosolo la malamulo lakonzedwa kuti zonse unagona ndalama mapangidwe ndi ntchito thumba inshuwalansi kuteteza zofuna chuma cha anthu ndi mabungwe alamulo kudzera malipilo kuwonongeka akuwuka kwa pakutchulidwa pomwepo inshuwaransi kapena ena kumatanthauza zapatsogolo zochitika nazo zoyipa zathu ndi katundu dera insurer.

Phunziro la malamulo inshuwalansi ndi njira

Awa ndi asapita chikhalidwe amene anatuluka pakati pa inshuwaransi ndi insurer mogwirizana ndi kukhazikitsa chitetezo ndi chitetezo chake.

Lamulo inshuwalansi Chili njira kuyesetsa ndi dispositive. Mwachitsanzo, kuvomerezedwa njira (amafuna kuvomerezedwa ntchito) ntchito Part 1 st.390 Civil Code, muli ndichisangalalo kuti mgwirizanowo inshuwalansi ayenera kukhala mu kulemba. Dispositive njira (pali mwayi wosankha) ntchito Mwachitsanzo, gawo 3 st.943 Civil Code, limanena kuti maphwando ndi mgwirizano angathe kugwirizana kuti kukonzanso makonzedwe ena mu malamulo a inshuwalansi.

dongosolo

dongosolo malamulo Insurance idzafotokoza 2: onse ndi wapadera. Woyamba lili malamulo anaika zonse mabungwe onse a chilamulo inshuwalansi: mawu, malamulo, pulogalamuyo inshuwalansi, uliri lamulo. The chachiwiri zikuphatikizapo malangizo a mitundu ina ya inshuwalansi:

• kuopsa malonda ;
• chuma;
• paokha;
• madipoziti banki;
• thanzi
• neri Al.

Chilamulo Insurance ndi mfundo zake

Njirazi ndi monga:

• pamaso chidwi insurable. Iye ayenera kukhala mu mgwirizano kapena pa nthawi ya mwambowu inshuwaransi. Zingakhale zinthu inshuwalansi chiopsezo udindo ndi imfa ya chuma. Mndandanda wa zinthu, imene inshuwalansi kapena ayi nkosaloledwa kutchulidwa st.928 Civil Code;
• inshuwalansi chiopsezo. Malipiro anapangidwa mwambowu inshuwaransi zinachitika, zomwe mwina kapena zisadzachitike;
• pazikhala kufanana. Kwa nthawi zina nthawi ayenera kukwaniritsa kufanana chuma kuchuluka kwa premiums inshuwalansi ndi malipiro a ndalama analipira zitachitika inshuwaransi;
• kukhulupirira apamwamba a zipani. Zikutanthauza kuti pa mapeto a mgwirizano, iwo ayenera kuulula zinthu zonse zimene zingakhale zogwirizana;
• malipiro a inshuwalansi chipukuta misozi. Izi zikutanthauza kuti insurer ayenera kulipira kumawononga kuchuluka kwa imfa leni zowawa, mwachitsanzo kubwerera ku wosakondwela malo policyholder koyamba ndalama;
• ubale causal wachititsa imfa ndi zochitika zake. Kodi zofunika kwambiri kumawononga. Zotsatira lizisunga chifukwa ndi chochitika inshuwaransi.

magwero

lamulo Insurance zachokera zochita malamulo a misinkhu yosiyanasiyana. Sources: Constituion, ndi Civil Code, Chilamulo "Pa bungwe la Insurance Business latsopano la Russia", malamulo aboma, malamulo Pulezidenti ndi ena.