Various Risk Insurance

Various risk

Based on the nature of risk is divided into pure risk and speculative risk
Adalh pure risk the risk that the losses in terms of course, missalnya face difficulties or loss in connection with the melt and when the due date as a result of bankruptcy bank or bank directors concerned YGB fled with the money of customers, thus the depositors suffer losses.



The risk of speculative gave birth to two possibilities. On the other hand one can generate profits, eg A sold his car at a price which is cheap and, on the one hand detrimental for A on the one hand advantageous for B

Risk based on known objects which can be divided into sections Yiga:

Risk individuals or private (personal risk)
Risk of wealth (property risk)
Risijo responsibility (liability risk)

Various kinds of insurance

Insurance

Insurance number
Therefore it can be said that the classification of insurance on insurance and insurance number of the juridical classification.
In addition to the above classification there are also other classifications, namely:

Insurance premiums

Insurance bear one another

Can be classified for interests in three parts:

Loss or reduction in value of the subjective rights of a person as a result of events
Lose the advantage of the expected profit due to the occurrence of an event
The possibility of losses due to errors caused by broken promises or against the law.
Various assessment

In connection with that assessment can be divided into four possible states-keadan as follows;

Insurance to the full value: the amount insured.

Over priced insurance: insured amount is higher than the value that can be insured / the real value, meaning that the real value of the goods or interests sebenrnya not as high as the amount that is mentioned in the policy.

In this case the interest that the insurance was valid only until the number / value of the real value of the vested interests rill

That price is only recognized in accordance with the value of the real or true value is sebagaikonsekuensi of the principle of indemnity.

Article 253 paragraph 1;

An insured that exceeds the amount of the actual price or interest YGG only valid up to a point.

Below the price of insurance: insured amount that is lower than the value which can be insured. Insure that such is legitimate, it's just that the insured is considered as its own insurer for its shortcomings, so in case of loss entirely tertenaggung maximum menerman only in accordance with the number of insured
Double insurance: insurance of this kind may occur, if the interests of the same for the same time insured more than once against the dangers which sama.pada which is generally performed at different insurer.

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