Powszechność ochrony ubezpieczeniowej
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Date
1968
Authors
Advisor
Editor
Journal Title
Journal ISSN
Volume Title
Publisher
Wydział Prawa i Administracji UAM
Title alternative
Universal Insurance Protection
Abstract
Among fundamental principles of economic insurances in socialistic countries
is the principle of universal insurance protection. In literature on this subject,
however, this principle is treated not so much from the statistic-economic point
of view, as primarily in the aspect of legal questions concerning the limitations
of insurance protection. Yet, backed by various premises which justify the claim
of the insurers to making the most in the field of insurances, we get a somewhat
different notion of this principle, of a specific quantitative significance. Of the most general premises to the universality of insurance protection, we
should mention in the first place the insurance grounds. In a way, the insurance
socialises individual losses by passing the charge of coverage from the individual
onto the whole endangered community. The greater the community the more the
number and magnitude of losses to be covered can be precisely anticipated, and,
at the same time, the less their weight is felt.
Economic and social reasons speaking for the application of insurance protection
in different circumstances justify the wide range of subjects and objects thus
protected. Hence, social and economic values of a number of insurances appeal
for the extension of insurance protection to as many subjects and objects as possible
who are threatened by various dangers. In some cases, social interests can
only be insured when the insurance protection is universal. Then, legislation makes
the universal insurance independent from individual insurance by introducing
obligatory insurances. However, their scope does not provide a full picture of the
realisation of the discussed principle, especially even when with the considerable
extension of this type of insurances, the voluntary insurances are exploited to
a low degree.
Description
Sponsor
Digitalizacja i deponowanie archiwalnych zeszytów RPEiS sfinansowane przez MNiSW w ramach realizacji umowy nr 541/P-DUN/2016
Keywords
Citation
Ruch Prawniczy, Ekonomiczny i Socjologiczny 30, 1968, z. 3, s. 239-255
Seria
ISBN
ISSN
0035-9629