Strahuvannya - Osadets SS

6.2. The right of that obovyazyka sub'ektiv insurance goats'jana

Insurance zobov'jannya - tse pravovіdosnini, zgіdno z yakimi one side (inshykalnik) zobov'azuyutsya osplatiti vestanovleniya law abo contract of insurance vnesok (insurance premiu), and the other party (insured) zobov'azuyetsya in razi nastannya perebachuvannoi contract insurance insurance (insurance vidpaku ) In the case of insured insurances and insurances in the course of insurance, insurances, accidents, insurance, sums of money in insurance, insurance, and in special insurance - in addition to pennies (insurance) sum.

Zobov'yanya is the most popular form of civil law. Z Urauuvannami ekonomichnih i jurichnyh znak syzobov'azannya podilyayutsya na pevnyi grupi (zobov'yaznya z pokazannya maya u vlasnist ya koristustvannya, z vikonannya robit, nadannya ig.et., Etc.).

In accordance with the law of Ukraine, the insurer of zobovaniyaniy:

  1. To understand the insurer with the rules of insurance;
  2. The extension of two robotic dniv, tilki-but the camp is about the order of insurance vipadku, vzhiti zhodod shchodo zakonodlennya vseh neobhіdnih dokumentov for svoechasnogo zdіysnennya vyplavoi vyplaty abo insurance vіdshduvannya strakhuvalnikov;
  3. At the time of the insurance vipadku zdіsniti insurance of payment for the payment of the insurance vidkushduvannya in peredbracheni agreement term. Insurant neya mayovu vidpodalnist for nesvoechestne zdіysnennya vyplati insurance syumi (insurance vidshkoduvannya) with the help of insurance tolls (penalties, penalties), rozmіr yavії vіznachaetsya umovami contract insurance;
  4. Vidshkoduvati vitrati, scho їх у разі настаня insurance vipadku having taken on himself an insurance, abi zabytti zbitkam abo zmenshiti їх, якщо це перебачено умовши договору;
  5. At razi zlіlshenn'a vartostі lane for the application of an insurance company, cotrii living in zahodіv, спрямованих на зменшення insurance ризику, переукласти з ним договір страхування;
  6. Triathi in tajmnitsi vidomosti about the insurer that yogo maynovy stan, for vinyatkom vipadkіv, peredbacheni by the legislation of Ukraine.

With the insurances of the contract, insurance can not be imposed on the insurant of insurance.

Obovjazyki inshyvalnika polagayut axis in chomu:

  1. To carry out the insurance in a timely manner;
  2. When the insurance contract is signed, insure insurance in the form of insurances and information about everything in the form of insurance, but to insure money for the insurance risk, and to give information about the insurance risk;
  3. Inform the insurer about the policy of insuring the insurance of the insurance business of insurance;
  4. Vzhivati ​​zahodiv, shchob zabobtigi zbitkam, zavdanim vnasledok nastannya insurance vipadku ta zmenshiti їх;
  5. Поисдомити страховика about настаня an insurance випадку in термін, подбачений умоввам страхування.

Umovami contract insurance can mozhut butybachenko takozh inshі obovvyazki insurance.

The main right of an insurer is the right to receive a sum of money from the contract.

So, for the contract insurance of the maya of the mayain who is involved in the mayor's insurance (the dogovir of the maynery insurance), the insurer of zobov'yazuyutsya at the time of the entry into the contract of insurance (insurance vipadku) vidshduvaty inshuhuvannikі neobіnі osobіy, on korist yakії uklageno dogovіr, zavdani zbitki povnіstju Partkovo (vyplatiti insurance vidshkoduvannya), at the borders obmovlenyy contract Sumi (insurance Sumi).

On vipadok, if mayno insured not on the war, vidshkoduvannu pidlyagae vidpovіdna part znitku, yakschoo іnshe not pobabanko legislative acts or the contract insurance.

Yaksho insurance suma, it is stated in, it is transferred to the insurance of the insured mine, dogovir є nedіysnim at the part of the insurance sumi, yaka transvishchu vartnist lane.

For the contract of special insurance, the insurer of zobov'yazuyetsya at the time of the insurance policy vypadku pay patrimonial insurances, on the corridor of the contracted dogovir, obmotvlenu for the contract insurance sumu, irresponsible for sumy, yak for social insurance, social security, nelyezhit yomu for pokrtya shodi.

With the insured insurance policy, the sum of money can not be rewritten by the yogic wartime at the time of the contract (insurance). The parties can not zmіnjuvati insurance vartіst majna, viznachenu in prikalyi strakhuvannya, for vinjatkom vypadkiv, if the insurant is brought, scho vin insights into the Oman insurer.

Insurance can not be interchanged with rosemary direct zbotku, zavdanogo insured lane inshay third person in the insurance vipadku. Indirect zbitki vvazhayutsya insured, yakschoe tse pobarcheno contract insurance.

Insurance indemnify vyplachuyutsya strakhuvalnikov abo third person (inconsolably v sum, yaka nalezhit yomu for the other contracts of insurance, i sotsialnogo insha chi sotsialnogo zabezpechennya) yak vіdshoduvannya zbitkiv.

We are on the verge of updating the status of the statute to the Law of Ukraine "On the Entry of Zmitsin to the Law of Ukraine" About Insurance ", which is important to the right of meaning.

First of all, the main principle of mine insurance is insurance of the mine for all yoga dichna vartit at the time of the contract (insurance vartit), and the insurance policy of the insured person can not overhaul the rosemary of the direct cattle, which is protected by the insured mine, the principle of vidstokduvannya, compensatory school .

In a different way, the law has a norm, that is, in spite of the fact that if the insurer's insurance is lower for the insurance of the insurance of the lane, the risk of insur- ance is shortened in the proportionality, such as the insur- ance of the insurance sum to the insurance voyage (unless the insurance agreement is not otherwise agreed) , Toto the principle of proportional system of pokritta zapodijanih zbitkiv .

Metoyu і zavdannyam maynevoy strakhuvannya і vidshkoduvannya zapodіyanih negative zinnikami zbitkіv insured ob'ektam. Protezmіr insurance vіdshkoduvannya not zavzhdi zbіgaєtsya z rozmіrom zavdannikh zbitkіv. Spivvidnoshennya mizh zimi quantities to be stored in a number of factors, the number of such insured sums, insurance, and the system (type) of insurance insurance .

Istotne znachennya for the vyshku vidkshduvannya in the insurance of insured majahu insurance sum - the maximum amount of money, at the intervals of the insurance of the organization of insurances of insurance of the insurance coffin in times of insured insurance vipadku.

Insurance of the sum can be paid in the insurance vartisticu ob'ekta. Todi mayno vvazhaetsya insurance for the condition of yogo vartіstyu. And yakshcho vona lower for insurance vartit, vyzalivim prichnikom viznachennyi rozmіru insurance vidshkoduvannya - the system (type) insurance zabezpechennya.

In special insured insurance, the sum is set for the debt of the card, and for the insurance contract for the insurance contract, the income must be paid in the insurance premiums (її частини) та / або у вигляді регулятивних, послелідовних виплат, обумовленийх договору страхування сум ануїтету.

At maynymu insurance to zastosovuyutsya dvі basic sistemi insurance zabezpechennya: pokazatіyna i pershogo risiku. For the proportional system vidstokduvannya viplachuyutsya in rozmіrі such part zbitkiv, yaku insurance suma become insurance insurance (insurance) insurance. Yaksho insurance suma mensha for the practical varnist lane, then singly part zbitku zavzhdi lie on the insurance, in your words, stepyn zavnoti vidshkoduvannya to lie on the floor with the insurance of the insured lane (insurance vartіstyu). Tsya system, from one side, let it be afraid of insecurity in the broomstick, and in the past - pidstovhuyu to vzhittya zahodiv zi zaberezhennyam mina, and takozh transjujuvalnih zahodiv, oskilki part vtrachenogo yomu not poverataetsya.

System first riziku perebachaye vyplatu insurance vidshkoduvannya in rozmіrі zbitku, ale in the interstices of insurance sumi. For such systems of insurance zabezpetchennaya zbitki within the insurance syumi (the first rizik) ponnistyu repaid by the insurer, and the zbotki ponad insurance suma (other rizik) not extinguished. With the system of the first riziku riven vidshkoduvannya, as a rule, vyshy, nizh at razi prodazhitsynoї sistemi.

Yaksho mayno insured for the war (insurances summed up insurance of insurance - insurance), then the insurance policy of insurance will be one and the same yak with insurance secured for a proportional system, and in various systems of the first risk: vidkshduvannya at the time of the manager's dorivnyuet zbitku. Yaksho insured mayno zaginulo ponnistyu, vidmіnostі mizh zaschichimi systems practicably vtrachayutsya, oskilki for tiyeju chin enoshoyu sistemoyu viplachuyutsya insane insurance sum.

Vідмінності між цими systems vyyavlyayutsya with insurance of the mine is not in povnіy vartostі i vodnochas with nepovnі yogo zagibeli, if the vyshdokduvannya otsyag vyshdokduvannya za sistemoy prishogo risiku Trokhi vichy. Hocha in tsilomu mehanizm zaznachenih dvuh of systems it is possible vvazhati mentally vigidnim, oboj to the parties - inshayvulnikovi i insurvikovi. Ajshe does not know the cost for insurance organizations in the system of the first risk to compensate for the incidents of bugs, insurance of such insecurities for mine insurance. Cе, зрештою, підвищує фінансову стійкість страхування, and отже, at підсумку відповідає інтересам страхової оргаізації.

Typical understanding of the contract is the insurance of life - obov'yakove zbilshennya rozmiru insurance Sumi (abo) rozmіru insurance payments on sumi (bonuses), yakі viznachayutsya insurer once per rik . When tsomu vihodyat іz rezultatіv іnvestuvannya that rozmіschennya koshtіv rezervіv Zi strahuvannya Zhittya, urahovuyuchi vitrati insurers to conduct the right rozmіrі 15 vіdsotkіv otrimanogo іnvestitsіynogo income that obov'yazkove vіdrahuvannya up ically mathematical rezervіv chastki іnvestitsіynogo income yaky zastosovuєtsya for rozrahunku insurance rate for CIM agreement strahuvannya ; At the time of insuring the insurance of insurance premiums (abo) the insurance of insurance payments for the official indefinitement of in fl uations - vidrahuvannya to such reserves in the part of the investment income, as well as in the course of the inde- pendence.

The contract insured Zhyttya takozh mozhe bouti pobobacheno zbіlshennya rozmіru insurance Sumi (abo) rozmіru insurance payments on sumi (bonuses), yakі viznachayutsya insurer once for the ric for the financial results of yogo diyalnosti (the fate of the insurer in the insurance market).

Прийняті страховиком додаткові страхові зобов'язання повідомляються страхувальникові письмово і не муть бути у подальшому збільшені in one-way order.

In the case of an insurance insurer, an insurance insurer inscribed in a rozmyri ta line, podbacheni rules of the contract, insurance contract, this contract may be interrupted by the insurer's right to unilaterally replace the insurances of insurance payments.

The contract of insurance of a resident may be interdicted for indemnification (zmіnu) for the official indefinition of insurance coverage of insurance premiums, insurance premiums for the duration of the contract, insurance contract for insurance payments (insurance premium, insurance premiums). The procedure is to be interpreted by the rules of insurance.

Strakhovi vyplati for contracts of a special insured person zdіysnayutsya nezalezhno vіd sumi, yaku myo otrimati oderzhuvach for sovtsvnim sotsialnim insurance that social welfare, i sumy, sho moe bouti yomu yak vishodshduvannya zbitkiv.

Rosemir insurance sumy viznachaetsya contract insurance to abo chinnym legislativstvom pid hour ukladannya contract insurance of chi in razi yogo zmіni. Yaksho z nastanjamam insurance vypadku perebachayutsya poslіdnovi dovіchnі feary vyplaty, the contract for insurance has viznachaetsya rozmіr such poslіdnovnyh dovіchnih insurance payments, and insurance sumy z tsimi vipadkami not vstalayutsya.

At the time of the Law of Obovyazykov insurant, the contract insurance can mozhut bugi perebacheni i іnshі yogo obovyazyki.

Basics obovjazok insurance - zdіsniti fears vyplaty v razi nastannya insurance vypadku - korespenduyu with the main obovvozykom inshadul'nika - sveechasno vnepodyati poghovi vkasski.

Insurance premiums - payment for insurance, yak insurer zobov'yaniyah make insurers zgidno with the contract insured by law. In the international practice of insurance, I call insurance the première.

The insurance rate is the rate of the insurance premium insured by the insurer of insurance. Insurance of tariffs for obovyazykovymi types of insurance is established in the laws on obovyazykov insurance of the rules of the Uyezd. Insurance of tariffs for good types of special insurances, insurance of a mine, insurance of insurance, insurance of an actuarial (mathematically) on the statistics of insured vipadkiv. Specific insurance of the insurance rate is to be signed by the insurance contract for the sake of the land.

Zgіdno із the law an insurance company, укладаючи договір, зобов'язаний поінформувати страховика about all iodimi iomu obstaniņi, yakі majut znachennja for otsinki of insurance riziku, and takozh about vy ikladeni i tako, sho ukladanyutsya, contract insurance, pozhyazanny z z dannim ob'ektom inshanya .

In addition, obovyazok insuranceman - vzhiti zahodiv, shchob zabobygti (zmenshiti) zbotkam insured lane in the same time as the insurance vypadku that pobedomiti pro insurance policy in the line, it is established by the insurance contract.

Practically, the value of the whole obovvozyka polagaye in that, schoev sessechasno vstanoviti the fact that obtaniyny insurance vipadku. Nayavnist insurance vypadku that yogo cause important not for insurance, yogo ekonomichnikhintesiv, and d for the dire misguided maynovih rights themselves insure.

By agreement, insurance can not be used as such and інші обов'язки. Maynov insurance of the crooks on vidshkoduvannya zbotku, zavdannogo insured object in various insurance insurances vipadku. Those insurances are insured, and such a contract for insurance can be imposed on obovvozyaki, pozhyazany dobresternyam protypozhezhnih, technicheskikh vimog, rules of expensive ruhno and others. Sanktsії for zasushennia such obovyazykіv majut perebachatisya vstanovlyuvatisya within the framework of civil law for weathering storin.

The law of Ukraine "About insure" pissed about the deputy of the insurer in the contract. So, on the vipadok of the death of an insurer, a kind of laying down the contracts of insured lane, the right of that obovyazyka insurer to pass to the individual, kotra priynayala mayo in the recessions. When the insurance policy is applied, the insurance contract must be reinsured. In the other vipadkas zameni an insurance lawyer yogo rights and obovvozyaki go to a new bureaucrat for the good of the insured, yakshcho contract or the law is not installed інше.

Principle zameni izhahvalnika peredabachaetsya і in contracts of a special insurance. Zokrema, in the death of an insurer, a way of laying dogovir on the cortex of a third person, the right of that obovvozyka, but owed by the agreement, to pass to the third person for the sake of zgodoyu.

Zgіdno іz zagalnimi norms tsivіlnogo legislations, yakshcho in period diy contract insuhu insurance for the virokom court viznano nedіyzdatnim abo omnezheniem dієzdatnosti, yogo law and obovvyazki vikonu yogo opikun.

Виняток to become договір страхування відповідальності. Such dogovir is guilty of closing his dyu at the moment, if the insurer is not aware of the lack of access to the dormitory.

When the reorganization of an insurer, yakshcho vіn є juridic special, at the end of the contract, the insurance of yogo law and obovyazyka for the zhodoy insurer to move to the right-wing.

Legislation of Ukraine perebacha norm, zgidno z obakuyu with nastanni zasnachenoї in the contract of insurance (insurance vipadku) insurer zobov'yazuyetsya vidshkoduvati zbitki inshuhovnikovі neobesniy osobki odorovo v mezhakh obmovlenygo syumi.

In razi, if mayno insured is not in povnі vartosty, vіdshoduvannuu pіdlyagіya vіdpііdna part znitku, yakshchо інше not pobabanko by laws or by contracts of insurance. On vipadok, if the insurer's sum is lower in the insurance market, the insurance policy is shortened to the extent of insurance coverage and insurance lane, but the contract is not vouchsafed otherwise.

Vazhlivim Element of insurance law - Insurance vipadok - podia, podbachena agreement insured abortion law, z obnaniem zakobiyna zobov'yanya zharitvika zrobiti insuyu insurance of insured insurances, on the corridor of the compiled dogovir insurance.

Protechod specific vidiv і договоів insurance of insurance vipadok is itself sukinnnost viznacheniyu umov tzobov'azan ', nayavnіst yakih і breeds sub'ektivnye rights and obovyazyki storin zabovogo zobov'. Slid pogoditisya z viznachennyam, scho poyaetsya in literaturny: insurance vipadok - fondly ponimattya, zmist yakoplyu a number of neobhidnyh elemementov, the number insured by the insurer chi perebacheni legislatstvo de facto (obtanovni), yaki majut singing signs.

До елементів або умов, які мають входити до змісту страхового випадку, належить шкідливість випадку, на який здійснюється майнове страхування. Конкретний перелік таких подій передбачається правилами страхування.