الجمعة، 21 مايو 2010

insurance

Is a social system that aims to build up a reserve to address the loss of others
Confirmed by the experience with capital by shifting the burden of the risk of several
Persons to one person or group of persons, any system that is designed
To reduce or minimize the phenomenon of uncertainty Uncertainty of losses
Finance by shifting the burden of risk.



What are the insurance importance of the activity?

Summed up the importance of insurance activity as follows:

1 - to the principle of cooperation between a group of individuals exposed to the same risk
And secure their future participation in shouldering the risks they are exposed.

2 - helps to maintain insurance on the wealth of facilities for compensation for
Outputs of the dangers that might be exposed to this wealth, such as fire -
Theft .......

3 - to conserve energy productivity

4 - Creating and expanding credit through loans to ensure documents
Other safeguards which contributes to the economic growth of the projects.



Q 3 What are the characteristics of insurance activity?

1 - build on the principle of cooperation.

2 - activity is characterized by the existence of the Association of the insurance contract between the insured
And repository

3 - Activity-based insurance to collect savings from the custodians in
Different branches of insurance in the form of premiums.

4 - the insurance activity is characterized by multiple branches of activity.

5 - characterized by contracts (and documents) insurance extending for several financial periods
And therefore difficult to determine the outcome of the activity.



Q 4 What are the types of insurance?

There are several divisions of Insurance

First: In terms of the fundamental division is divided into: -

- Private insurance

- Social insurance

Second: In terms of the practical division of insurance is divided into: -

- Insurance of persons

- General insurance.



Q 5 What is meant by private insurance?

Insurance, which is contracted by the person to benefit him personally in securing
The same risk of a particular.


Q 6 What are the characteristics private insurance?
Private insurance is characterized by the following features.

1 - It's an optional insurance up to the user's desire the same.

2 - pay the insured the premium in full.

3 - is not subject to this type of insurance to government supervision.



Q 7 What is social insurance?

Intended to provide individuals (who were dependent on the work)
Against the risks that may prevent them from performing this work, such as disease -
Disability - or old age, death and unemployment.



Q 8 What are the characteristics of social insurance?

Social insurance is characterized by the following: -

1 - The fundamental rationale for this type of insurance is solidarity
Social Council.

2 - It is a compulsory insurance imposed by the state, it is not optional

3 - part of the insured pays a premium by the State or the owner
Work Part II.



Q 9 What are the types of insurance people?

Insurance of persons is divided to:

- Life Insurance Life Insurance

- Insurance against personal accidents.



Q 10 What are the types of re-insurance?

Can be divided into reinsurance operations into three main types.

A - compulsory re-insurance

B - Re-Insurance is optional.

C - re-secure the Convention.



Q 11 What are the elements of income generated by insurance companies?

Consists of income of the insurance company

- Premium

- Reinsurance commission of the

- Net income from investments
- Other income.



Q 12 What is the insurance premiums?

Premium is the main source of income is the amount due on the
Insured under the insurance contract between the parties and is committed to repay it
Insured in exchange for access by the beneficiaries or the amount of insurance when
An insured risk.



Q 13 What is the most popular types of hazards, and any type of insurance covered?

* Risk of accidents and injuries covered by personal accident insurance

* Risks of old age and old age and are covered by pension insurance

* Risks of illness and are covered by health insurance

* Risk of death and covered by life insurance

* Fire hazard and covered by fire insurance

* Risks of aircraft accidents and aircraft covered by insurance

* Risks of theft and covered by insurance against theft and robbery

* The dangers of drowning and covered by marine insurance

* Natural disasters and covered by insurance against earthquakes and hurricanes

* Risks of loss and lost profits and covered by insurance profit

* Threats to stop working and are covered by insurance for a work stoppage

* Risks of civil liability and covered by liability insurance
Especially business owners, cars, ships and other



Q 14 What are the types of marine insurance policies?

Generally be of two types (open or closed)

(1), flight insurance policies against certain specific risks commencement of the journey
Until they reach the port of destination safely and securely.

(2) insurance policies of limited duration and the term he must have a minimum
One year, the most common.

(3) an insurance of goods against fire, assault, dumping at sea
Stop and authoritarian, disasters and the damage and there are some exceptions
For some species that are not covered by these documents and most food.

(4) insurance policies of the vessel or her body and its organs and craft and furnishing of the
The dangers of piracy and armed robbery, warships and assault and arson
Authoritarian and suspensions and breach of the crew and public bads such as accidents
And clashes, and others.

online car insurance quotes

online car insurance quotes

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We also offer discounts on auto insurance for those who have been accident-free with no moving violations in the past three years. Our auto insurance discount is best for drivers who were accident-free for five years and who have the transfer of any violations. The age of 55, so as to provide drivers also on insurance premiums by taking a defensive driving classes.

There are a number of different options available to the insurance policy to help you get the full auto insurance coverage you need. And insurance covering personal injury, such as lost income, child care expenses, and medical expenses.

auto insurance quote online

Look for when comparing car insurance companies !

Compare auto insurance companies after obtaining the
Free quotation, no doubt take note of several items that would
Help you get the best price auto insurance rate.
When you request a quote, remember that the biggest, most well known
Auto insurance companies will not necessarily give you with the insurance
Auto quote cheaper or the best customer service if you
Ever in a car accident or need to make the insurance claim on
Cars. While you review and compare, please remember that it may
There is a lesser-known companies that can provide the service of class
The first and the cheapest rates on your car.

When comparing the prices of low-cost car, and there are several factors
We should look at during the review you quote. If you make a decision
To purchase between the couple was quoted by the various options that offer different coverage or
Insurance premiums, and the search company may help you decide
Special may be the best policy for your circumstances. Here are some
Tips to help you compare prices and make buying insurance policy
Car of the specific companies a little easier.
1. Find auto insurance in the company after receiving an offer
Interest rates. We work with many reliable companies,
But might consider checking with the State to determine if it can be
There will be no significant compaints against the company that might make you choose
Not to do business with them. You can do this by
Communication and the Ministry of Foreign Affairs of your insurance by phone or
The Internet.
2. Consideration of the company's reputation and history of comparing each quote
Providers talk to her. Know when the company has been providing prices
Auto insurance in your state. Do they provide customer service high
Quality? And policies of the various existing coverage you have? Do they have
Complaints with the office work better?
3. Look at the process for submission of claims to insurance
Car when comparing companies. Ask about the company
Filing a car accident, and how this process takes
Long usually. If you've ever been involved in a car accident
, You'll want to make sure that the company will claim in a timely manner.
4. Ask friends, family and coworkers when shopping for a policy
Cheaper. Sometimes, the best way to find insurance
Cars reputation of the company to ask the people trust. Explain that you
Looking for auto insurance quotes and you need recommendations on
Different companies. See how long it was with the company, if
They've got cheap prices from other companies, and if
Have ever been to the case file and the time spent. Is
Can also talk to a mechanic at the auto repair shop reliable
About what is said about politics because they may be ideas that clients
Have had good experiences and bad.
5. Go with your gut feeling. When comparing the rate of access
Excerpts, go with the company that makes you feel comfortable
More. Follow your instincts while getting a comparison quote.
He was an agent or representative of the company is able to answer all your
Coverage and policy issues? Are you with the Under-treatment of civility
And respected? They are honest in what you need coverage and did not need
Or do they just try to sell you additional coverage which it is perceived
Can be done without?

When you find the right auto insurance quote!

When you are shopping to buy car insurance online, be sure
To remember that the cheapest quote does not necessarily mean you will get a
Automotible the best value for your coverage. Information Institute
Insurance recommended to obtain at least three insurance
Car quotes from three insurance companies car separately. When
Have the rate quotes, look no further than the dollar value
To cover the car really covers. To be aware of many of the
Other factors that could affect you if you ever
Before in a car accident or need to apply for such type of coverage
The amounts of coverage, discounts, deals with what - and more importantly,
What is not covered in the 'policy document' for exceptions.

When comparing prices from multiple service providers, and to consider what
Addressed in the policy and that you get to compare apples
To apples. You may be surprised to see coverage and may be transferred
Different depending on how many drivers on this policy
, If you have a home or renters insurance, and zip code
So your. When it comes to the review and decision to buy
affordabe cover more than a better company, be sure that the comparison
Among multiple providers so you can find out which company provides insurance
The car is actually cheaper with coverage that meets your expectations.

auto insurance

auto insurance

Car Insurance is the most important types of insurance and the most essential In spite of the evolution of an update for routes and traffic and controls the movement Are still daily occurrences for cars and tankers to take a large portion Records offices, which make the insurance of great importance for all At the level of individuals and institutions. Comprehensive insurance policy Global insurance company give its customers and car insurance Comprehensive, which covers collisions and the coup, fire and theft and the Resulting damage or loss of the car unlocked and cars Property and the other party, including injuries and deaths Aljsmlnip It can also extend insurance coverage to include the driver and passenger Inside the car unlocked Party insurance policy Altalt Upon the desire of the insured, the document that the cars can only cover Damage and damage caused by the other party only because of the responsibility Insured for the incident, whether such material or physical damage such as Logistics and the subsequent challenges may not be paid the insured can

Supplemental insurance policy (comprehensive) on the various cars Kinds of insurance provides protection for cars, where the company pays The insured value of their material losses that arise from the loss or damage Total or partial, which affects car insured and Accessories And spare parts resulting from the following hazards: Collisions and / coup because of an accident or mechanical damage. Fire, lightning or explosion or external self-ignition. Intentional act of others. Theft, burglary or damage resulting therefrom. During transport, river or road machinery and elevators. Third-party liability for material damage. Civil liability means that in the event of an accident of the vehicle insured Company to pay all amounts which it is bound by the Insured Legally responsible for damage caused in the things that give rise to the property of others ... An application for approval of the insurance student health insurance health of all Data and integral part of the document. And the main document submitted The client of the branch or to the Publications section of the company to get a close Insurance. Different pictures of His interest in the insurance Car Insurance It may be the owner of the car or in possession of the car or the seller or Dealer or lender.