chrome hearts
asics

custom earbuds I9000 headphone 5 of insurance contracts and legal characteristics of.txt

legal features of the i9000 headphones 5 of insurance contracts

Summary: October 28, 2002 Ninth 32nd meeting of the Standing Committee of the National Peoples Congress passed the new Insurance Law of the Peoples Republic of China, starting on January 1, 2003 implementation. This indicates that our management of the insurance industry into a new phase. This time by the new Insurance Law of the Peoples Republic of China on June 30, 1995, the Standing Committee of the Eighth National Peoples Congress adopted the perfection of the Insurance Law of the Peoples Republic. Due to the new Insurance Law of the Peoples Republic of China, the insurance law legal characteristics of an insurance contract

First, recognize the importance of the legal characteristics of the insurance contract insurance originated in the 14th century, human society to confront and deal with the perils of the sea and a spontaneous Huzhugongji acts. The insurance industry in the 18th century, fast growth, and gradually evolved into a social business insurance. With the rapid economic development of our society, the insurance gradually been accepted, and played an important role in the protection of social production and life of the people, but with the enhancement of peoples awareness of the law, the insurance contract disputes, but also the increasing number of In addition to some objective reasons, the understanding of the characteristics of the insurance contract is a very important reason. Insurance dispute litigation, many of the same type, the same nature of litigation, but differences in geographical jurisdictions, and the litigation results to differ materially. Uncertainty about the outcome of this litigation, and further led to an increase in insurance contract disputes, confusion caused by the insurance industry and insurance consumers, also seriously affected the unity of the administration of justice, reasons on existing legislation, judicial , boils down to the important reason for the neglect of the legal characteristics of an insurance contract, such as the protection of the insurance contract, economic compensatory or paid, attached together, shot Xing, the principle of utmost good faith, a correct understanding of the insurance contract legal character, has an important role in our reasonable settlement of insurance disputes. Insurance contract is a paid contract, but it is different from the general paid contract. Therefore, our understanding of the insurance contract, can not be limited to contract law in general paid contract, should be based on the generation of insurance, the principle and purpose of insurance, insurance law, the spirit of the legislation and other aspects to understand the legal characteristics of the insurance contract. Legal features of the insurance contract a the concept of insurance contracts in everyday life, we most often see insurance contract is a wide range of insurance, which is more common to motor vehicle insurance policies and life insurance policy. These insurance policies are generally good format developed by the insurance company prior contract. In accordance with the new Insurance Law of the Peoples Republic of China on the interpretation of the insurance contract, the insurance contract is insured and the insurer agreed insurance rights and obligations of the agreement. Insured is to enter into an insurance contract with the insurer, and in accordance with the bears pay the premiums under the insurance contract; insurer contracts for insurance and the insured, and the insurance company for compensation or insurance liabilities. Insurance contract is different according to the subject matter of the insurance is divided into a contract of property insurance and life insurance contracts. Property and related interests of property insurance contract is based on the object of insurance contracts; life insurance contract is a persons life and body as the object of insurance contracts. The insurance contract is a legal contract directly given name, belonging to the famous contract. Mutual rights of the parties of the insurance contract, the obligations, the insurance contract is a bilateral contract. B the protection characteristics of the insurance contract, the insurance contract is a paid contract, after consideration must accept the price party to obtain an interest in gratuitous contracts, pay-as-custom earbuds-go. Policyholders pay premiums to the insurer, the insured to the insurance payer to provide insurance coverage, such insurance protection is neither certain tangible equivalent, nor is it some kind of value in use, but a convention events, effective immediately Debt Obligation. The characteristics of the protection of the most basic features of the insurance contract, but also its most essential features. From the surface, as individuals sharing dangerous organizers of the insured, the premiums charged, did not seem to bring real benefits to the insured. In fact, because of the economic security of the insured to pay the premium obtained is absolutely there, to be held by the insurer insurance policy issued by the insurer after the events of the agreed immediately become the insured debt obligation of the insurance claims, and the most fundamental rights of both the insured in the insurance contract, but also insurance available to the insureds economic security. Obviously, protect the rights of the insured made, based on the insured person in accordance with the agreed time and manner of delivery of the premium as a precondition. The insurance is not generally bilateral activities, the number of individuals involved in the integrity of the mutual-help activities, the insurance premiums of the life insurance may not use litigation requirements the applicant has paid. In theory, the insurance activity itself should be non-profit. Aims at treating such human activities in the form of the modern insurance business model run, the insurer as a type of commercial companies on the market for all types of insurance products commercialization. The nonprofit insurance activities i9000 headset, insurance business activities must follow the insurance the compensatory and payment characteristics. The insurance contract the compensatory characteristics, specifically property class insurance; insurance class of property insurance activities, Underwriting and recover with the following practice meaning: 1. Coverage stage, the parties to the insurance contract must be in accordance with the actual value of the subject matter of the insurance or some kind of economic responsibility to confirm the amount of insurance ie, the maximum protection of the insurance contract, we shall limit; unable to determine the underlying value or method, the parties to the insurance contract by negotiation stipulated amount of insurance and the loss of the confirmation method for the risk can not be quantified, can not determine the amount of insurance and loss method of recognizing things, can not be used as insurance object; insured for more than the actual value of the subject matter, more than the actual value of the invalid; subject of the underinsured The the i9000 the actual value of the headphones, as underinsurance; these practices traditional insurance operations, to avoid the occurrence of the insured speculation or moral hazard. 2. Claims, the insurer is responsible only for the economic losses of the insured to be compensated in monetary terms, is not responsible for the return of the original subject matter damaged or restitution; the insured loss is less than the amount of insurance, according to the actual loss compensation; higher than the amount of insurance, according to the actual loss compensation not to exceed the amount of insurance is limited; insurance amount is higher than the actual value of the subject matter insured, according to the actual value of the compensation. In addition, the insured less than the actual value of the subject matter of the insurance policy, in accordance with the proportion of the insured amount and the actual value of the subject matter, within the limits of the amount of insurance in proportion to compensation. 3. Caused insured property losses because of a third of Damages Caused insurer may require the insurer to compensate for first, and the virulence of the right of recourse will be transferred to the insurer; insurers at the same time the right of recourse; insurance subrogation rights exercised is full, complete, free from the insurer been compensated quota restrictions. However, the recovery from the insurer received in excess of the amount of compensation, the excess shall be vested in the insured all; Similarly, the insurer in the insurance claims and then from the virulence people compensation, should be more than the loss of some compensation refund insurer. This not only makes the speculative behavior or moral hazard in insurance activities is difficult to avoid, but also violated the the insurance Huzhugongji internal requirements. The payment characteristics of the insurance contract is designed in terms of the life insurance contract. Human life and health is priceless, and can not be determined with the monetary value of the form, the life or health of the damage can not be compensated with money from essentially i9000 headphones. This case, the decision of the life insurance contract is a non-compensatory. Therefore, the life insurance activities, the usual practice is insured according to the specific economic conditions of the insurance object, the demand for protection of beneficiaries to select the grade appropriate amount of insurance the insurer, in the event of an insurance event, according to convention the amount and manner of payment. Various types of insurance contracts, life insurance contracts in the event of a hazardous event, there may be some people benefit profit, of course, such a benefit in terms of the non-financial nature relative to the personal injury. D insurance contracts of adhesion characteristics satisfy the Contracting, is prepared in advance by the terms of the contract by one party to the other only in line with the meaning of the terms and conditions expressed in order to set up a party to the contract. Insurance contracts of adhesion is reflected in the subject comply with the terms of each insurance policy only requires to assume insurance liability protection. The Annexed contract corresponding with the proposed supplier contracts. Contract is the parties intention unanimous agreement, but the terms of the insurance contract, the insurance activities are enacted unilaterally by the insurer in advance, and generally determine the format and therefore, the insurance contract is to type contract meets formal characteristics of the insurance contract. In Annexed contract not to say that the signing of the contract of insurance is not meeting the course. The signing of the insurance contract, the same has to go through the offer, promise, but generally speaking, the insurance contract, the offeror for the insured party, the insured demand different types of insurers to provide different rates, responsibilities and compensation payment methods insurance, fill in the proposal form and the request of the insured request, the insured according to the subject, dangerous situation to decide whether underwriting that is committed to providing security. Insurance contract has been established, the differences of the same kind of insurance contract, the locations of the insurance period and the amount of insurance is reflected only in the subject name. Insurance contracts of adhesion characteristics has two meanings: First, the terms of the insurance contract is the subject of endangered species, and operating practices developed by the insurer or standard terms and conditions, even if the insurer on the terms of the contract additional requirements, different additional content is also laid down in advance good, then only need to be affixed to the main contract or indicate to each policyholder only comply with the terms of the requirements of the subject, assume insurance liability protection, which is the most important meaning of the insurance contract of adhesion characteristics; Second, the terms of the insurance contract dispute, in addition to the terms of the controversial specification context to explain the need to respect the intent when the two sides signed, in which the insurer first on the development of good before in dispute, and the terms and by the terms of the National Insurance Regulatory authorities explained In order to understand the two sides have been intent for certain; understand the terms of the word is unclear and ambiguous in a dispute occurs, the should be made in favor of the insured explanation. Insurance contracts of adhesion characteristics is very important in real life, due to the presence of the activities of insurance brokers and insurance agents, insurers embrace Paul activities is borne by the brokers and agents, some agents for performance beyond agent authority, with a licensed insurance agent authorized to single beyond the authorized single point of insurance coverage does not belong to the subject matter insured, columns, such as property insurance policy underwritten operating production and general property insurance policy underwritten special property i9000 headphones, such as the ship. Whenever this happens, we will find the importance of the insurance contracts of adhesion characteristics. Decided because the the Annexed characteristics of the insurance contract