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Indemnisation des victimes des accidents de la circulation et assurance de responsabilité civile automobile: étude de droit comparé belge et congolaisKangulumba Mbambi M. Vincent 23 November 1999 (has links)
L'étude des mécanismes d'indemnisation des victimes des accidents de la circulation suppose préalablement l'examen des principes, des conditions et du fondement de la responsabilité civile en général.<p>Nous l'avons déjà souligné :le droit positif privé congolais à cette particularité d'être dualiste, tout au moins en ce qui est du droit des obligations et du droit de la réparation.<p>C'est pourquoi,il est indispensable, pour la compréhension du système juridique congolais, de recourir à l'examen des mécanismes de droit coutumier traditionnel qui continuent, très souvent, si pas dans la perception mais en tout cas dans l'application/ de régir les institutions et les rapports de droit privé. Il importe ainsi d'examiner d'abord,la structure de la responsabilité civile en droit positif écrit (Titre 1er),ensuite en droit coutumier traditionnel (Titre II) afin d'en ressortir les apports mutuels qui puissent nous permettre de fonder, dans le système juridique congolais, un meilleur droit de la réparation. / Doctorat en droit / info:eu-repo/semantics/nonPublished
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The influence of FAIS and FICA on a medium sized life insurance company – Assupol LifeLaidlaw, Cristiaan Johannes 11 1900 (has links)
As a medium-sized life insurance company Assupol Life provide life insurance products to clients within government departments, although the company entered the broader private market. The enactment of the Financial Advisory and Intermediary Services Act, 2002 and the Financial Intelligence Centre Act, 2001 impacted financial service providers and the research analysed the influence of regulation on managerial decision making, marketing and sales, finance, human resources, training and the structures within the organisation to comply with the legislation.
The study endeavoured to determine the influence of regulation on the company and the measures implemented by the management of Assupol Life. The research results confirmed that the primary challenge faced by the company is to find a balance between compliance, managing human capital and creating value for shareholders. The major impact of the legislation involves the human resource- and training functions and the study illustrated that other influences was less severe. / Business Administration / M. Tech. (Business Administration)
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Legal aspects of the insurance premiumSchulze, W. G. (Wilhelm Georg) 06 1900 (has links)
Law / LL.D. / The contract of insurance is one of the more frequently concluded commercial contracts. The premium which is undertaken in terms of an insurance contract is one of the essential features of the insurance contract. Notwithstanding the obvious importance of the role of the premium and the legal aspects surrounding it, it has in the past often received but scant treatment in insurance-law materials. In this thesis it is shown that there exist a number of aspects regarding the premium which are unclear and in need of careful scrutiny. In the case of certain other aspects (regarding the premium), although there is certainty as to their contents it is necessary to identify and (re-)define their place in the broader scheme of the insurance law.
The study commences with an investigation into the historical development of the concepts of
"insurance" and "premium". This is followed by a study of the relevant principles of Roman-Dutch
law. A comparative study is made of the law in a number of countries, namely, the Netherlands,
Belgium, England and Australia. The position in South African law is also considered. An
introductory study is made regarding those concepts in South African indigenous law which are
insurance-like.
Finally, a number of conclusions are drawn and recommendations are made in respect of a selection
of aspects regarding the premium which are unclear. These aspects concern the nature of the
premium; the question whether "premiumless" or "free" insurance is legally possible; the question
whether the parties may agree to insure at a "reasonable premium"; the protection of the insured in
the case of the non payment of the premium; the receipt of the premium by the broker; the return
of the premium where the insured has acted fraudulently; the legal tenability of the practice of
insuring the premium; the possibility that the contribution in terms of some concepts of our
indigenous law may resemble the premium; and finally, the analogous method as a source of law to
extend and broaden the pool of legal principles applicable to the insurance contract.
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中國海上保險法中告知義務與英美法系最大誠信原則下相關內容之比較錢程 January 2005 (has links)
University of Macau / Faculty of Law
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The influence of FAIS and FICA on a medium sized life insurance company – Assupol LifeLaidlaw, Cristiaan Johannes 11 1900 (has links)
As a medium-sized life insurance company Assupol Life provide life insurance products to clients within government departments, although the company entered the broader private market. The enactment of the Financial Advisory and Intermediary Services Act, 2002 and the Financial Intelligence Centre Act, 2001 impacted financial service providers and the research analysed the influence of regulation on managerial decision making, marketing and sales, finance, human resources, training and the structures within the organisation to comply with the legislation.
The study endeavoured to determine the influence of regulation on the company and the measures implemented by the management of Assupol Life. The research results confirmed that the primary challenge faced by the company is to find a balance between compliance, managing human capital and creating value for shareholders. The major impact of the legislation involves the human resource- and training functions and the study illustrated that other influences was less severe. / Business Administration / M. Tech. (Business Administration)
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Legal aspects of the insurance premiumSchulze, W. G. (Wilhelm Georg) 06 1900 (has links)
Law / LL.D. / The contract of insurance is one of the more frequently concluded commercial contracts. The premium which is undertaken in terms of an insurance contract is one of the essential features of the insurance contract. Notwithstanding the obvious importance of the role of the premium and the legal aspects surrounding it, it has in the past often received but scant treatment in insurance-law materials. In this thesis it is shown that there exist a number of aspects regarding the premium which are unclear and in need of careful scrutiny. In the case of certain other aspects (regarding the premium), although there is certainty as to their contents it is necessary to identify and (re-)define their place in the broader scheme of the insurance law.
The study commences with an investigation into the historical development of the concepts of
"insurance" and "premium". This is followed by a study of the relevant principles of Roman-Dutch
law. A comparative study is made of the law in a number of countries, namely, the Netherlands,
Belgium, England and Australia. The position in South African law is also considered. An
introductory study is made regarding those concepts in South African indigenous law which are
insurance-like.
Finally, a number of conclusions are drawn and recommendations are made in respect of a selection
of aspects regarding the premium which are unclear. These aspects concern the nature of the
premium; the question whether "premiumless" or "free" insurance is legally possible; the question
whether the parties may agree to insure at a "reasonable premium"; the protection of the insured in
the case of the non payment of the premium; the receipt of the premium by the broker; the return
of the premium where the insured has acted fraudulently; the legal tenability of the practice of
insuring the premium; the possibility that the contribution in terms of some concepts of our
indigenous law may resemble the premium; and finally, the analogous method as a source of law to
extend and broaden the pool of legal principles applicable to the insurance contract.
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Bases técnicas e jurídicas do contrato de seguro: perspectivas para o ajuste do prêmio na saúde suplementarChiquito, Bruno Garbelini 24 September 2018 (has links)
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Previous issue date: 2018-09-24 / Conselho Nacional de Pesquisa e Desenvolvimento Científico e Tecnológico - CNPq / The present study aims to analyze the structure and legal and economic bases of the health insurance contract. In a first moment, we will analyze the historical evolution of the insurance operation in the world, its essential characteristics and its legal nature in order to show the economic base that underlies it with due note of the main obligations of the parties involved in this type of contract. In a second moment, comments are made on contractual developments to demonstrate the overcoming of individual interests in a favor of a free, fair, egalitarian and solidary society. The guidelines and mechanisms introduced by the Civil Code of 2002 will be studied in an attempt to better adapt the institutes of private law to social and economic evolution, with emphasis on the incidence of the fundamentally constitucional rights guaranteed in private law relations and institutes. Also detailed are the classic principles of insurance contracts, with emphasis on the accessory duties of the parties to the relationship and their relevant social interest. Finally, the structure, functioning, legal and economic aspects of health insurance contracts will be evaluated, in order to highlight the factors and problems that the sector faces due to the increasing increases in the insurance costs, creating alternatives to mitigate this problem, without going into detail in the aspecto related to the judicialization of health. The approach adopted is not only legalistic in the doctrinal sense, but rather, there was a great concern to explain the phenomenon from its historical origins, as well as to relate them to the causes that have shaped its features, guidelines and principles. The aim was to demonstrate the appropriate degree of state intervention on contractual freedom without detracting the attributes that are essential to it, emphasizing the role of the judge in the application of general clauses and principles, as well as in the necessary self-responsibility, solidarity and cooperation of the members of the relationship of insurance so that the contract transcends the intersubjective relationship and reaches a social pacification / O presente trabalho tem como objetivo analisar a estrutura e as bases jurídicas e econômicas do contrato de seguro relativo à saúde. Em um primeiro momento, analisa-se a evolução histórica da operação de seguro no mundo, suas características essenciais e sua natureza jurídica, de forma a evidenciar a base econômica que lhe fundamenta com o devido apontamento das principais obrigações das partes envolvidas nesse tipo de contrato. Em um segundo momento, são tecidos comentários a respeito da evolução contratual para demonstrar a superação dos interesses individuais em prol de uma sociedade livre, justa, igualitária e solidária. Ainda são estudadas as diretrizes e os mecanimos introduzidos pelo Código Civil de 2002, na tentativa de melhor adequar os institutos de direito privado à evolução social e econômica, com ênfase na incidência dos direitos fundamentais constitucionalmente assegurados nas relações e institutos de direito privado. Também são pormenorizados os princípios clássicos atinentes aos contratos de seguro, com ênfase nos deveres acessórios das partes integrantes da relação e no seu relevante interesse social. Por último, são avaliadas as estruturas, o funcionamento, os aspectos jurídicos e econômicos dos contratos de seguro saúde, de modo a ressaltar os fatores e os problemas a serem enfrentados pelo setor em razão do crescente aumento dos custos do seguro, criando alternativas para amenizar este problema, sem adentrar, pormenorizadamente, no aspecto relativo à judicialização da saúde. A abordagem adotada não é apenas legalista no sentido doutrinário, mas sim houve uma grande preocupação em explicar o fenômeno a partir de suas origens históricas, assim como relacioná-las às causas que teceram suas feições, diretrizes e princípios. Buscou-se evidenciar o grau adequado de intervenção estatal sobre a liberdade contratual sem descaracterizar os atributos que lhe são essenciais, ressaltando o papel do juiz na aplicação das cláusulas gerais e dos princípios, bem como na necessária autorresponsabilidade, solidariedade e coperação dos integrantes da relação de seguro para que o contrato transcenda a relação intersubjetiva e alcance uma pacificação social
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The ideal asset/liability model for credit unions (with assets between $100 - $500 million)Kennedy, David Alan 01 January 2004 (has links)
This project focused on developing the ideal Asset / Liability Model for credit unions with assets between one hundred million and five hundred million dollars. Ideally the model should be closely aligned with that of a successful credit union at the high end of this range. SELCO Community Credit Union of Eugene Oregon was used in creating the model.
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Insurance against damage caused by pollutionKuschke, Birgit 28 February 2009 (has links)
Universally complications exist concerning insurance cover for the risks posed
by pollution damage. Environmental insurance cover can be procured under
first-party or third-party insurance. For the latter, the polluter's statutory or civil
liability is required. The determination of liability for compensation, especially
delictual liability, remains problematic.
The right to the environment in section 24 of the Constitution creates a
general duty of care. The introduction of a strict liability regime can be
recommended to alleviate the burden of proving fault and contributory
negligence. Where there is multiple or cumulative causation or the exact
identity of the polluter is unknown, potential solutions regarding the allocation
of liability include a pollution-share, joint and several, market-share or, as a
last resort, a proportional allocation. Actionable damages should include
property damage, pure economic loss, clean-up costs and natural resource
damages, including compensation for reduced aesthetic value.
Due to the uncertainty and potential magnitude of pollution-related claims,
insurers have attempted to avoid or limit these risks by including specific
pollution exclusion and limitation clauses in policies. Statutory regulation of
policy content and prescribed wording for clauses could address problems
relating to the interpretation of policy provisions.
Various other issues such as the coverage of gradual pollution, the effect of
the various triggers of coverage and the potential long-tail liability of insurer,
the lack of information and the unpredictability of the risk cause further
complications for both the insured and the insurer. Policies should preferably
be issued on a `claims-made' basis linked to retroactive dates. Mandatory
third-party insurance to the benefit of a third party should be required within
specific high-risk industries, specifically for the benefit of the prejudiced
person or an environmental remediation fund. The right of a prejudiced party
to claim directly from the polluter's liability insurer should be introduced.
Currently, the focus appears to be more on protection and environmental
remediation than on civil compensation. There is an urgent need for the
development of statutory and civil liability compensation mechanisms and for
an increased regulation of insurance policies and practices to ensure effective
insurance cover to provide compensation for environmental damage. / Jurisprudence / LL.D.
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Insurance against damage caused by pollutionKuschke, Birgit 28 February 2009 (has links)
Universally complications exist concerning insurance cover for the risks posed
by pollution damage. Environmental insurance cover can be procured under
first-party or third-party insurance. For the latter, the polluter's statutory or civil
liability is required. The determination of liability for compensation, especially
delictual liability, remains problematic.
The right to the environment in section 24 of the Constitution creates a
general duty of care. The introduction of a strict liability regime can be
recommended to alleviate the burden of proving fault and contributory
negligence. Where there is multiple or cumulative causation or the exact
identity of the polluter is unknown, potential solutions regarding the allocation
of liability include a pollution-share, joint and several, market-share or, as a
last resort, a proportional allocation. Actionable damages should include
property damage, pure economic loss, clean-up costs and natural resource
damages, including compensation for reduced aesthetic value.
Due to the uncertainty and potential magnitude of pollution-related claims,
insurers have attempted to avoid or limit these risks by including specific
pollution exclusion and limitation clauses in policies. Statutory regulation of
policy content and prescribed wording for clauses could address problems
relating to the interpretation of policy provisions.
Various other issues such as the coverage of gradual pollution, the effect of
the various triggers of coverage and the potential long-tail liability of insurer,
the lack of information and the unpredictability of the risk cause further
complications for both the insured and the insurer. Policies should preferably
be issued on a `claims-made' basis linked to retroactive dates. Mandatory
third-party insurance to the benefit of a third party should be required within
specific high-risk industries, specifically for the benefit of the prejudiced
person or an environmental remediation fund. The right of a prejudiced party
to claim directly from the polluter's liability insurer should be introduced.
Currently, the focus appears to be more on protection and environmental
remediation than on civil compensation. There is an urgent need for the
development of statutory and civil liability compensation mechanisms and for
an increased regulation of insurance policies and practices to ensure effective
insurance cover to provide compensation for environmental damage. / Jurisprudence / LL.D.
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