Umthetho inshorensi

Umthetho-inshorensi - enye amasebe omyalelo, inzondo ngokunxulumene nemfuneko ukubethelela ubudlelwane esemthethweni phakathi zeinshorensi kunye insurer. Phambi kokuba ufake isifundo kunye nendlela lokulawula ishishini, kuyimfuneko ukuchaza ingqikelelo "inshorensi."

Le budlelwane wenzelwe ukukhusela umdla abantu kunye amaqumrhu asemthethweni ye-Russian Federation okanye izifundo ze Russian Federation, oomasipala zayo, evela isiganeko benefits oku kwenzeka ngenxa yenkxaso-mali mali eyenziwe kwi-inshorensi yi-inshorensi kunye nezinye iindlela.

Okukodwa kobudlelwane inshorensi kuxhomekeke kwinto yokuba kwenzeka ngenxa yomthetho lilonke, ekubeni iinkampani ze-inshorensi athwale inshorensi coverage kweziganeko, leyo, nangona Inokwenzeka, kodwa xa nalapho kwenzeka, kuya kuba umonakalo obangelwe ayaziwa.

ukuba nombono

umthetho Insurance - inkqubo imithetho eyenzelwe ukulawula ubudlelane kweemali ukubunjwa nokusetyenziswa kwe fund-inshorensi ukukhusela umdla impahla kwabantu kunye amaqumrhu asemthethweni ngokusebenzisa imbuyekezo umonakalo evela kokuvela isiganeko inshorensi okanye ezinye ezichazwe kwangaphambili iziganeko ziye zaba nefuthe elibi lobuqu impahla sphere inshorensi.

Lo mbandela komthetho inshorensi kunye neendlela

Zizo ezi nobudlelwane kwezentlalo eziye zavela phakathi zeinshorensi kunye insurer ngokunxulumene ukuphunyezwa ukhuseleko nokubakhusela.

Umthetho-inshorensi idibanisa iindlela kunyanzelekile kwaye dispositive. Ngoko ke, umzekelo, indlela mandatory (ngokweemfuno zokusebenza zomthetho) isetyenziswa Part 1 st.390 Civil Code, equlethe ummiselo isivumelwano inshorensi kufuneka nakanjani kwenziwe ngembalelwano. indlela Dispositive (kukhona choice) iyasetyenziswa, umzekelo, inxenye 3 st.943 Civil Code, ocacisa ukuba amaqela kwisivumelwano angavuma kuhlonyelwe izibonelelo ezithile kule migaqo-inshorensi.

inkqubo

inkqubo yomthetho Insurance siquka iindawo 2: jikelele kunye ezizodwa. Eyokuqala iqulathe ngokwemimiselo kumisa ukulawula onke amaziko komthetho inshorensi: imigaqo, imigaqo-nkqubo, mvume ye-inshorensi, ummiselo walo karhulumente. Eyesibini uquka imigaqo kweentlobo ezithile ze-inshorensi;

• ubungozi zoshishino ;
• impahla;
• abucala;
• ifakwa;
• zempilo
• et al.

Law and Insurance imigaqo yalo

Ezi ziquka:

• ubukho umdla insurable. Yena kufuneka kule mvumelwano okanye ngexesha lomsitho inshorensi. Kusenokuba kuba izinto inshorensi umngcipheko uxanduva kunye nelahleko nempahla. Uluhlu umdla, apho inshorensi akuvumelekanga, kuluhlu st.928 Code Civil;
• inshorensi yomngcipheko. Iintlawulo zenziwa ukuba isiganeko inshorensi kwenzeka, enokwazi okanye engeno kungenzeki;
• into elinganayo. Kangangexesha elithile kufuneka sifezekise umakulinganwe kwezoqoqosho isixa-inshorensi kunye nembuyiselo imali ehlawulwe emva kokuba isiganeko inshorensi;
• intembeko eliphezulu amaqela. Oku kuthetha ukuba kokugqitywa mvumelwano, kufuneka bakuxele zonke iimeko olunokubaluleka;
• kwintlawulo yembuyekezo inshorensi. Oku kuthetha ukuba i-inshorensi kufuneka ahlawule umonakalo kwi-mali ngelahleko ubunzima, okt ukuba abuyele imeko yemali uxhatshaziweyo polisi wokuqala;
• ubudlelwane kobude iye yabangela ilahleko kunye neziganeko yayo. Ingaba eyona nto ibalulekileyo umonakalo. Effects kufuneka kwenzeke ngenxa kuba sisiganeko inshorensi.

imithombo

umthetho Insurance isekelwe phezu ngezenzo zomthetho kumanqanaba ahlukeneyo. Intsusa:-siseko, i-Code Civil, uMthetho "Kwi Umbutho of Insurance zoShishino kwi-Russian Federation", imimiselo urhulumente, nemimiselo kamongameli kunye nabanye.