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Insurance

Elements of Insurance Contract

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 Definition


The insurance is a form of risk transfer in which the insurer, by contract, undertakes to indemnify the insured in the event of occurrence of events harmful to life, health, rights or property of the insured.


In fact today the insurance has a remarkable breadth of coverage where the risk can reach not only facts but even harmful situations of embarrassment or failure in any field of human activities, among others.


The obligations of the insured are restricted to the provision of correct information for the formulation of the value of the insurance premium, payment of installments that fit him under the contract and timely notice to the insurer in case of accident.


The obligations of the insurer are broad and begin by providing full information to the insured on all the conditions of insurance before contracting, the supply of copies of documents that portray the terms of the policy when contracting, and the correct, full and prompt compensation or coverage at the time of the accident or the events planned under the conditions of insurance.


As an insurance contract

Watch the rules to make a safe:

• choose an insurer seriously. Search and find out about the insurer;

• A good insurance should be known for proper payment and excellent service support and care;

• remember that not all insurances are equal. Consult a broker;

• the right broker is a professional specialized in insurance and knows all the details of the process, accompanying him to the final solution

Deadlines for compensation

The deadline is 30 days to pay the insurance indemnity. This period starts from the date of delivery of all documentation requested from the insured.

If the deadline is not met or if the contract is not met, the claim SUSEP - Superintendence of Private Insurance.

Make a complaint in writing and send a copy of the documentation.

Remember that:

The insurance can only be contracted with an insurance company duly authorized to operate, many of the methods of business or services using the word insurance but are not legally in this activity;

Not all insurers operating in the satisfaction to the consumer, it is important information on fitness and speed of the undertaking and with the bodies of consumer protection.

The value of the insurance premiums are not fixed, can vary from company to company, may pay the price search and negotiate the value of the insurance premium is set before the hiring.

Before hiring the person to gauge their needs and consult an insurance broker of your trust to not hire insurance with inadequate coverage.

The future insured must read and reread the terms of insurance, compared with other insurance to other insurers and always save the brochures, advertisements or offers of insurance for which influenced their hiring, as these documents may be needed in the future.

Before hiring the insurance consumers should consider carefully any contractual restrictions, some seemingly unimportant clauses may be decisive in shaping the value of the insurance premium and the extent of coverage.

Do not believe promises or information not in the insurance policy or documents sent by the insurer, any advantage deserves extraordinary care.
In the case of claims covered by DPVAT - insured, the insured or the beneficiaries should not trust your attorney to grant rights or persons unknown, there are many gangs of criminals specialized in applying blows to the victims of accidents of vehicles. Usually a member of the gang deals with victims or their beneficiaries in the doors of the hospitals, asking for authorization to receive the insurance and then disappear with the compensation.

 
Elements of Insurance Contract

Are elements of insurance contracts, among others:

The proposal, which is usually a document issued by the Insurer in standardized format, which addresses the limits of the interests of the parties to the contract of insurance and the initial conditions and value of the award and compensation;

The Policy, which is the main document regulating the responsibilities and obligations of each party and whether the contract is established by the insurer, by rules imposed by law and the official bodies that oversee this business.

In many situations, especially in terms of insurance parameterized by law or regulations of public bodies, can be used to secure the ticket, providing the requirement of the proposal and replace the policy.

The DPVAT, for example can be given simply by the insurance card, along with the DUT (single transit);
The Estipulante, which is the person or company who contracts the insurance for an insured;
The beneficiary, who is the person or entity which seeks the value of compensation in the event of occurrence of the accident provided in the policy. In some cases the recipient may also be the estipulante and insured;
The insurer, which is the company receiving the award of the insurance contract and is obliged to pay the compensation provided in case of accident;
The risk, which is the hypothetical event causing the damage physical, moral, or assets to the insured and because of what the insurance contract;
The claim, which is harmful to the event contained in the insurance contract;
The Award, which is the amount by which the insured paid for ensuring the safe and it is received by the insurer as payment for taking the risk;
The coverage, which is the value guaranteed by the insurer in the event that called the event of accident damage;
The gap, which is the time in which the insured pays its consideration but that the insurer is not obliged to indemnify if the harmful event;
The franchise, which is a limitation on the amount to be borne by the insured in the event of accident, and from which shall be responsible for insurance, all as required by the contract.

The franchise is under contract, may be higher, lower or no;

The division, which is a contract which allows the insured take a proportion of the insurance indemnity if the insured value is less than the actual value of the property insured;

The period of validity, which represents the period of insurance cover should be examined and considered as a trainer in the value of the prize.

 

Although the insurance in general are engaged for a year, are already on the market various types of insurance that cover periods of months, weeks or even days.

The renewal of insurance contracts is not automatic, except in certain contracts with clause to this effect, therefore, with interest of the insured in its extension, the insurer should seek before the unsuccessful termination of insurance, failing to spend some time discovered before the formalization of the contract and the beginning of your new life.

Personal Accident Insurance


Personal accident insurance: Insurance of personal injury is more extensive and complete that the life insurance, also aims to payment of indemnity to the insured or their beneficiaries in case of accident.

The minimum coverage, this type of insurance covers the event death and permanent disability. However, in most cases the contracts already in itself bring other additional coverage, especially as regards the medical and hospital expenses and per diem of temporary disability of the insured.

Insurance Retirement
 
The so-called secure retirement, but contain all the features of primary insurance, is substantially different from traditional insurance, the pension supplement is the amount paid is not intended solely to compensate the risk, but only one of its plots is diluted in consideration the harmful event, the balance in some situations, may even be reversed in the pocket, depending on when the terms of the contract.

This type of insurance is offered on various forms, including the possibility of the participant begins to receive a portion of the pension supplement even before he retired and even with the right to raise the estate in the event of occurrence of certain health problems.

Fire Insurance


The insurance coverage has its fire directed at harmful events caused fires, fall-ray, electrical installations, gas installations, etc..
It is free of the contractors, insurers and insured, extend the risks to be covered by insurance, including the electrical damage, fires in rural areas, vendaval, cyclone, hurricane, falling aircraft, among others, upon payment of additional premiums.

Liability Insurance


The civil liability insurance today considered the most important form of insurance for professionals are designed to protect the insured against liability with respect to others (people or things), by unintended fault of the insured or persons for which should respond civilly.
This type of insurance can cover damages that the insured is ordered to bear in the face of carelessness, negligence or professional incompetence but can also cover the compensation due to victims of attack from an animal of their property.

Vehicle Insurance

Today, in industrialized countries, insurance of motor vehicles were in the most common and, depending on the terms of the contract may include coverage for fire, theft, collision and damage from other forms of accidents.
In most cases the contracts also stipulate clauses that extend the compensation to damage to third parties through the fault of the insured.
Also in this type of insurance is set to be a normal value of franchise, or a threshold value that will be the entire responsibility of the insured and that only from this level, begin to rise to liability of the insurer.
In the policy should be necessarily the brand of vehicle, its year of manufacture, the value provided, the value of the award, the starting date of validity of the insurance contract and the value of the franchise.

Life Insurance

There are several types of insurance that consumers can hire the most used, the life insurance, is divided into three categories:
Individual life insurance - Life assurance is based on individual, as the main factor in shaping the value of the prize, the age of the insured. This type of insurance clause is permitted to establish a grace period in which the insured pays the installments are due but it does not receive the coverage contract, the validity of coverage begins at prefixed time beyond the date of hiring .
The insurance contract is always temporary and the amounts paid do not create any rights in the rent, return or benefits not covered in the insurance policy.
Life Insurance Group - The group life insurance is to several people linked by a ratio of any fact or law, but, agreed together, provide a better condition of employment and, consequently, a lower value of prize that is paid by individual policyholders. Just as the individual has the scope secure the payment of the insured value of importance to the beneficiary by the insured as defined previously, or as provided by law of succession in the event of default, when the event death.
This type of insurance has a defining element of the value of the award and conditions of employment the state of health of the insured, or the grace period established, and the average age of the insured.
Seen as the subject is defined because of the risk, so all the trails of the legal relationship between the insurer and the insured are actually linked to an analysis on the time of insurance and the risks involved.

Insurance Education


The insurance education is intended to cover the education of the beneficiaries designated by the insured, in its absence, is due to disability or death, depending on the terms of the insurance contract.
The insurance is usually employed to cover the cost of education, including books, by the University.
However, nothing prevents the insurance is restricted to a stage or school period, not including the cost of books, etc..

Compulsory insurance

 

The insurance, also known as DPVAT which is intended to cover the injuries of Motor Vehicles (DPVAT) is charged to owners of vehicles once a year at the time of his permits, the unique value for all vehicles tour of national or imported.
The insurance is intended to redress and compensation in cases of accidents involving injury and trampling, which results in temporary disability, permanent or death, involving individual or collective transport, by cargo, persons transported or not, including owners, drivers, or their beneficiaries dependent.
The right of victims or beneficiaries to receive the compensation of compulsory insurance is not dependent on identification of the vehicle that caused the accident.
The victims or beneficiaries of insurance, where a car accident may apply for compensation in any insurance associated with the National Federation of Insurance, on submission of copy of the accident report issued by DETRAN, ballot of identity, CPF, documents show medical and hospital expenses or proof of the legitimate succession in the face of the victim in cases of death event.

Health Insurance


The health insurance, designed with the same concepts of other insurance, aims to reimbursement of expenses for surgery, clinical examinations, treatments and medical consultations and hospital stays in held by the insured.
The health insurance, which is not to be confused with health plans offered by companies to provide services or cooperatives of professionals in the health field is currently governed by a set of special rules, more clearly defined within the general insurance
.

 

 

This article was translated by an automatic translation system, and was therefore not reviewed by people.

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