In the world of insurance there are 6 kinds of basic principles that must be met, i.e. the insurable interest, utmost good faith, proximate cause, subrogation, indemnity and contribution.Insurable interest:It is right to insure, arising from a financial relationship between the insured and the insured with legally recognized. So, you are said to have the interests of the insured of the object when you are suffering from financial losses if disaster which caused the loss or damage to these objects.Financial interests this lets you insure your possessions or your interests. In the event of a disaster of the object insured and proven that you have no financial interest over the object, then you are not eligible to receive compensation.Utmost Good Faith:Is an act to disclose accurately and completely, all material facts about something that would be insured either requested or not. This means that the insurer must honestly describe everything clearly about the extent of the terms and conditions of insurance and the insured must also provide a clear and correct description of the object or the dipertanggungkan interests.The point you are obliged to notify clear details and carefully about all the important facts relating to the insured object. This principle explains the risks-risks covered or excluded, all terms and conditions of coverage are clearly and accurately.Proximate Cause:Is an active, efficient causes which give rise to a chain of events that give rise to a result without the intervention of a beginning and actively by new and independent sources. So in the interests of the insured suffered natural disasters or accidents, then first of all sought the reasons for active and efficient moves of an uninterrupted chain of events so that in the end it came to natural disasters or accidents. A principle that is used to find the cause of the loss of active and efficient is: "Unbroken Chain of Events" which is a series of chain of events that is not disconnected.Indemnity:Is a mechanism whereby the insurer provide financial compensation in his efforts to put the insured in a financial position to which he had just prior to the occurrence of a loss (KUHD article 252, 253 and reaffirmed in article 278).Subrogation:Is the transfer of the right of claim of the insured to the insurer after the claims paid. Subrogasi principle is regulated in article 282 of the book law commercial law, which reads: "When an insurer has paid punitive damages entirely to the insured, then the insurer will replace the position of the insured in all ways to sue third parties that have caused harm to the insured".Contribution:Was the right of the insurer to invite other insurer alike bore, but not necessarily the same obligations toward the insured to provide indemnity. You can only insure the same property on some of the insurance companies. But if there is a loss of the object insured then automatically applies the principle of contribution.According to other sources:There are some principles of insurance is a very important staple that must be supplied by either the insured or the insurer in order to contract/agreement insurance apply (not cancel) and deserves to be insured.As for the principle staple of insurance are: Principle Of Good Faith (Utmost Good Faith) The principle of the interests that can be Insure (Insurable Interest) The Principle Of Indemnity (Indemnity) The Principle Of Guardianship (Subrogation) The Principle Of Contribution (Contribution) The Principle Of The Causal (Proximate Cause)
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