Asigurarea obligatorie de raspundere civila auto

Cuprins disertatie Cum descarc?

Intr?duc?r?.4
C??I??LUL I
C???ID?R?TII G???R?L?.7
1.1. Fund?m?ntul id?ii d? ??igur?r?.7
1.2. Cl??ific?r? ??igurari.12
1.3 ?v?luti? ??igurarii.14
C??I?OLUL II
RA??U?D?R?? ??IGUR??ORULUI RC?.20
2.1 ?f?r? ra??und?rii ??igur?torului.20
2.2 C?zuri in c?r? ??igur?torul RC? ??t? ??on?r?t d? g?r?nti?.21
2.3 Mom?ntul inc???rii ra??und?rii ??igur?torului.22
2.4 Mom?ntul inc?tarii ra??und?rii ??igur?torului.23
2.5 Conditiil? ra??und?rii ??igur?torului RC?.23 
C??I?OLUL III
????ILIR?? D???AGU?IRILOR.26
3.1 D???agubir??.26
3.1.1 ?t?bilir?? d???agubirilor ?? b?z? con?t?tarii ?mi?bil?.26
3.1.2 ?t?bilir?? d???agubirilor ?rin hotarar? jud?cator???ca.31
3.2 ?l?t? d???agubirilor in c?zul r???rarii v?hiculului d? catr? t?rtul ?agubit.34
3.3 ?v?ri?r?? ??u di?trug?r?? bunurilor.36 
3.4 ?l?t? d???agubirilor in c?zul v?hicul?lor inm?tricul?t? in ?trainat?t?.37
3.5 ?l?t? d???agubirilor in c?zul vatamarii cor?or?l? ??u d?c??ului ??r?o?n?lor.39
C??I?OLUL IV
?R??????R?? ?OCI??ATII D? ??IGUR?R? GROU??M?.41
4.1 Fisa d? ?r?z?nt?r? g?n?r?la ? ?oci?tatii.41
4.2 ?i?uri d? ??igurari inch?i?t? d? ?oci?t?t?.44
Concluzii.76
Bibliografie.82


Extras din disertatie Cum descarc?

Intr?duc?r?
?v?nim?nt?l? c?r? ?f?ct??za ??trim?niul ??r???n?l?r ?rin ??gub?l? g?n?r?t? ??u c?r? im?i?t??za ??u?r? vi?tii si int?gritatii c?r??r?l? ? ??r???n?l?r ?u c?ndu? l? n?c??it?t?? id?ntificarii un?r mi?l??c? ?rin c?r? ??m?nii ?a ?? ?r?t???z? im??triv? ??gub?l?r ban?sti ??arut? c? urm?r? ? m?nif??tarii r????ctiv?l?r ?v?nim?nt?. 
In d?cur?ul ??i?t?nt?i um?n? ?-?u utiliz?t m?i mult? m?d?litati d? c?mb?t?r? ? ?v?nim?nt?l?r g?n?r?t??r? d? ??gub? ??u d? ?u??rt?r? ? ??gub?l?r g?n?r?t? d? ?c??t? ?v?nim?nt? ?vit?r?? ??u ?r?v?nir?? ri?cului, limit?r?? ??gub?l?l?r ?r?v?c?t? d? ri?curil? ?r?du??, cr??r?? d? r?z?rv? in v?d?r?? ?c???ririi ?? ???m? r??ur??l?r ?r??rii ? ?v?ntu?l?l?r ??gub?, tr?c?r?? ri?cului ??u?r? ?lt?i ??r???n?.
?vit?r?? ??u ?r?v?nir?? ri?curil?r ?r??u?un? lu?r?? un?r ma?uri ?rin c?r? ?a diminu?z?, un??ri chi?r ?a ?? ?limin?, ?r?b?bilit?t?? d? ?r?duc?r? ? ri?cului. ?rintr? ma?uril? c?r? c?nduc l? ?limin?r?? ?r?b?bilitatil?r d? ???riti? ? ri?cului ?? in?criu ?ctiuni cum ?r fi: r?nunt?r?? l? cultiv?r?? un?r ?l?nt? in z?n? ?u?u?? ri?cului d? inund?tii ??u ?lt? f?n?m?n? m?t??r?l?gic? ??trivnic?;?vit?r?? ?r?cticarii un?r m???rii d? catr? ??r???n?l? ?r?di??u?? ?a c?ntr?ct?z? ?numit? b?li ?r?f??i?n?l?, i?r ?rin ma?uril? c?r? c?nduc l? diminu?r?? ?r?b?bilitatii d? ?r?duc?r? ? ri?cului ?? ?fla l? in?t?l?r?? ?ntifurt l? ?ut?turi?m? ??u cladiri, ?vit?r?? c?n?umului d? ?lc??l in?int?? c?nduc?rii ?ut?turi?mului, iz?l?r?? c?r???unzat??r? ? c?bluril?r si c?nduct?l?r ?rin c?r? ?? tr?n???rt? ?n?rgi? ?l?ctrica, g?z? ??u ?ub?t?nt? infl?m?bil?, f?l??ir?? d? m?t?ri?l? n?infl?m?bil? ??u ignifug?t? l? c?n?truir?? d? cladiri, in?t?l?tii, m?sini si ???r?t?, cultiv?r?? ?l?nt?l?r ?? t?r?nuri ?r?vazut? cu lucrari d? imbunatatir? funci?ra (irig?tii, dr?n???), ??lic?r?? un?r tr?t?m?nt? ?r?lifil?ctic? ?nim?l?l?r.
Limit?r?? ??gub?l?r ?r?v?c?t? d? ri?curil? ?r?du?? ?r??u?un? ca du?a ?r?duc?r?? ?v?nim?ntului g?n?r?t?r d? ??gub?, d?r in?int? c? ?c??t? ?a fi lu?t ?f?rsit, ??r???n?l? ?a i? ma?uri ??ntru ? r?duc? l? minimum ?f?ct?l? n?g?tiv? ?l? ?c??tui?.
?rintr? ma?uril? inc?dr?t? in ?c??t ti? d? ?r?t?cti? ?? numara ma?uril? d? ?ting?r? ? inc?ndiului si d? limit?r?? ? ??tind?rii ??l?, d?g???r?? ??r???n?l?r si bunuril?r ?fl?t? ?ub daramaturi c? urm?r? ? cutr?murului si ?c?rd?r?? ??i?t?nt?i m?dic?l? n?c???r?, tr?t?r?? ?nim?l?l?r b?ln?v? si ??crific?r?? c?l?r vind?c?bil?. ?rin ?c??t? ma?uri nu ?? ?limin? ??u diminu??za ?r?b?bilit?t?? d? ???riti? ? ?v?nim?nt?l?r g?n?r?t??r? d? ??gub?, in?a ?? r?duc? gr?vit?t?? c?n??cint?l?r m?nif??tarii ri?cului.
Cr??r?? d? r?z?rv? in v?d?r?? ?c???ririi ?? ???m? r??ur??l?r ?r??rii ? ?v?ntu?l?l?r ??gub? ?r??u?un? c?n?tituir?? d? catr? ??r???n? f?ta d? c?r? ?? m?nif??ta ri?cul ? unui f?nd d? r?z?rva c? v? fi f?l??it ??ntru ?c???rir?? ??gub?l?r ?r?v?c?t? d? ?v?nim?ntr?l? n?d?rit? ??arut?. ?c???ta ??luti? ?r?zinta in?a cat?v? d?z?v?nt???. 
In ?rimul rand, ??ntru ? ??igur? ? ?r?t?cti? r??la f?ta d? ?f?ct?l? ri?curil?r cu?ntumul f?nduril?r d? r?z?rva tr?bui? ?a fi? ?ufici?nt d? m?r?, c??? c? r??r?zinta un lucru d??tul d? dificil d? r??liz?t. In ?l d?il?? rand, r??ur??l? ?fl?t? l? di???ziti? ??r???n?i tr?bui? ?a ?iba un gr?d ridic?t d? lichidit?t?, c??? c? ?r??u?un? im?biliz?r?? ?c??t?r ?um? in c?nturi d? di???nibilitati ban?sti l? v?d?r?, g?n?rand un c??t d? ???rtunit?t? ridic?t.
C?nfrunt?t? cu ?c??t? limitari, ??r???n?l? ?u id?ntific?t ? ?lta m?d?lit?t? d? ?c???rir? ? ?f?ct?l?r n?g?tiv? ?l? m?nif??tarii ?v?nim?nt?l?r n?d?rit?- tr?c?r?? ri?cului ??u?r? ?lt?i ??r???n?. 
?r?c?r?? ri?cului ??u?r? ?lt?i ??r???n? ?r??u?un? ?l?t? un?i ?um? d? b?ni d? catr? ??r???n? ?m?nint?ta d? un ri?c ??r?c?r? un?i ?lt? ??r???n? in ?chimbului unui ?ng???m?ntului ?c??t?i? din urm? d? ? ?u??rt? ??gub? ?r?v?c?ta d? ri?cul ??u c?m?l??ul d? ri?curi.
?l?g?r?? un?i? ??u ? ?lt?i? dintr? ???ibilitatil? d? c?mb?t?r? ? ri?curil?r ??u ? ?f?ct?l?r ri?curil?r d??ind? d? c?nditiil? c?ncr?t? ?l? ??r???n?i int?r???nt?, d? ?ut?r? ?c?n?mica ? ?c??t?i?, d? ?f?rtul fin?nci?r ?? c?r? il r?cl?ma ??luti? c?n?id?r?ta in r???rt cu m?rim?? ??gub?i l? c?r? ?? ???t? ?st??t? in urm? ?r?duc?rii ri?cului.
??luti? tr?n?f?rului ri?cului ??u?r? ?lt?i ??r???n? ?? ??lica d? r?gul? ?tunci cand c?l?l?lt? ma?uri nu ??t fi ??lic?t? c? urm?r? ? n?turii si marimii ri?cului, ? c???citatii ?c?n?mic? ? ??r???n?i int?r???t? ??u ?c?n?micitatii ??lutiil?r. 
?c???t? ??luti? ?r??u?un? c?n?tituir?? un?r f?nduri d? ?r?t?cti? l? di???ziti? un?r ?rg?ni?m? ???ci?liz?t? ?rin ??rtici??r?? tutur?r c?l?r ?f?ct?ti d? ???ibil?l? ??ric?l? si c?r? c?n?imt ?a c?ntribui? cu ? ?numita ?uma, c?lcul?ta in functi? d? marim?? si int?n?it?t?? ri?cului im??triv? carui? ?? ??licita ?r?t?cti? si utiliz?r?? ?c??t?r f?nduri ??ntru ind?mniz?r?? m?mbril?r ?f?ct?ti d? ?r?duc?r?? ri?curil?r ??ntru c?r? ?-? c?n?tituit f?ndul. 
?r?z?nt? lucr?r? d? lic?nta ?r? c? titlu "??IGUR?R?? ??LIG???RI? D? RA??U?D?R? CIVILA ?U??". 
In c??it?lul I intitul?t " C???ID?R?TII G???R?L?", ?m ???lic?t n?tiuni c?: fund?m?ntul id?ii d? ??igur?r?, ?v?luti? si cl??ific?r?? ??iguraril?r.
In c??it?lul II ?l ?r?z?nt?i lucrari, intitul?t ,,D?FI?IR??, F?R?? SI ?L??????L? C???R?C?ULUI D? ??IGUR?R?", ?unt ?r?z?nt?t? f?rm?, ?artil?, c?nditiil? d? v?l?bilit?t?, inch?i?r?? si ?l?m?nt?l? c?ntr?ctului d? ??igur?r?, .
C??it?lul III ?l lucrarii - ,,??IGUR?R?? D? RA??U?D?R? CIVILA ?U??" ?r?zinta tra?aturil? ?rinci??l? si im??rt?nt? ??iguraril?r d? ra??und?r? civila ?ut?, ??igur?r?? d? ra??und?r? civila ?ut? ??ntru ??gub?l? ?r?du?? ?rin ?ccid?nt? d? ?ut?v?hicul?, ??igur?r?? f?cult?tiva d? ra??und?r? civila ?ut? ??ntru ??gub?l? ?r?du?? ?rin ?ccid?nt? d? ?ut?v?hicul? si ?l? ??igurari d? ra??und?r? civila ?ut?.
In c??it?lul IV - ,,?R??????R?? ??CI??ATII D? ??IGUR?R?" ?m r??liz?t ?r?z?nt?r?? ??ci?tatii d? ??igurari Gr?u??m?.


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Imagini din aceasta disertatie Cum descarc?

Bibliografie

F?l?c?? ?l?x?ndru, D?n??l ?rm??nu, "???gurar? d? bunur? s? p?r?o?n?. ??p?ct? t?or?t?c?. ?pl?c?t?? pr?ct?c?", ?d?tur? ?conom?ca, 2003;
?arbul??cu ?., ???t?mul ???gurar?lor d?n Roman??, ?d?tur? ?conom?ca ?ucur?st?, 2004; ??k?lh?ulot, D.L., G?n?r?l ?n?ur?nc?, 9th ?d?t?on, R?ch?rd D. ?rw?n, Hom?wood, ?L, 1974;
???tr?c??nu, Gh. D. - "???gurar? s? r????gurar? in Roman??", ?d?tur? Un?v?r??t?ra, ?ucur?st?, 2006;
C?r???n?, Gh.; ?udor, ?. - ,,Dr?ptul ???gurar?lor - Probl?m? jur?d?c? s? t?hn?c?", ?d?tur? Lum?n? L?x, ?ucur?st?, 2010;
C?t?na, R.?. - ,,Dr?ptul ???gurar?lor", ?d?tur? ?f?r? Jur?d?ca, Cluj - ??poc?, 2007;
C??t?l?c?n L., C??t?l?c?n, R., ???gurar? Com?rc??l?, ?d?tur? D?m?tr?? C?nt?m?r, 1997;
C?um?s C., ???gurar? G?n?r?l?, ?d?tur? C??? Cart?? d? St??nta, Cluj-??poc?, 2007;
V. C?ur?l, "???gurar? s? r????gurar?: ?bordar? t?or?t?c? s? pr?ct?c? ?nt?rn?t?on?l?," ?d?tur? ?ll??ck, ?ucur?st?, 2000;
C?ur?l V., ???gurar? s? R????gurar?: ?bord?r? ??or?t?c? s? Pr?ct?c? ?nt?rn?t?on?l? ?d?tur? ?ll ??ck, ?ucur?st?, 2004;
Cr?s?n ?.?., P??t? ???gurar?lor, r?v??t? Xpr?m nr. 6 s? nr. 7 / 2006;
Dobr?n ?., ?. G?l?c??nu, ???gurar? s? r????gurar?, ?d?tur? Fund?t??? Roman?? d? ?a?n?, ?ucur?st?, 2003;
?l?x?ndru, F.; ?rm??nu, D. - "???gurar? d? bunur? s? p?r?o?n?", ?ucur?st?, 2014;
?ch?m, ?.L., ???gurar?l? d? bunur? s? p?r?o?n? in ?conom?? cuno?st?r??, ?d?tur? ?conom?ca, ?ucur?st?, 2008;
?f?rd??n, ?. - ,,Dr?ptul ???gurar?lor", ?d?tur? C.H.??ck, ?ucur?st?, 2007;
V?so?, ?. - "???gurar? s? r????gurar?", ?d?tur? ?xp?rt, ?ucur?st?, 2014, p. 24.


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