INDEED
If indeed
the insurance it so the majority of the people of the State of developed
countries eager to fondness, even has also spread to developing countries like Indonesia to article 246 of the book of the law of commercial law of the Wetboek van Koophandel or give the definition of insurance as follows:
Insurance or
coverage is an agreement by which an insurer committing yourself to an insured
by receiving a premium for delivering a replacement to him due to a loss of
damage or loss of profit the is expected that might be suffered due to an event
that is not certain.
Coverage or
insurance in Indonesia can be said to be derived from the law of the West in
particular the Dutch mastery of the country Netherlands that incorporate
insurance into the form of a law instituted in Indonesia with Burgelijk Wetboek
(the book of law civil law) and the Wetboek van Koophandel (the book of Law
Commercial Law) with the announcement on 30 April 1847 and contained in the
Staatsblad 1847.
The
difficulty of studying this insurance is that we must understand everything all
at once.
Measuring
science lessons can be started from a few axioms and postulates of history can
be started from the beginning or middle of his way forward and our hearts. But
the lesson insurance requires knowledge of the many facets of this subject
since the beginning of his. Because this is not possible, then the next problem
is at the point where we have to occupy this lesson we must require. starting
of background theory of insurance, or in mathematics branch and learned as for
example? Or is it needs to be learned first from the companies that jumped into
the business or from the police-the police insurance they offer?
This chapter
is intended to provide a concise view on the world insurance although not
complete but introduced many aspects regarding the so-called insurance it.
THE BURDEN
OF FINANCIAL LOSS
The time
sputnik first published round the Earth a housewife in England that apparently
is afraid her home were hit by one of the machinery space apply to purchase an
insurance policy to protect himself against a possible disaster. When we think
of the insurance then that first of all it occurred to us we are freed from the
burden of the financial losses caused by disasters such as fire, catastrophe
earthly lightning, die young or disaster-stricken sputnik as aforesaid. Other
important aspects should also be taken care of, keep as a starting point let us
thoroughly the issue of the burden of financial losses.
Newspapers
contain stories about financial losses – losses in every publication of a 25
year old father died leaving a wife with three children. Boeing 747 valuable Rp
15 billion was detonated by arab guerrilla in Cairo. A $ 6 million embezzled
from a bank in Chicago. A new House an brun out pedestrians were seriously
injured when he was hit by a car. Who will bear the losses – losses finance
this? who now should live a widow with three children above? who will replace
the Boeing 747 that and that will return funds – funds are darkened? How about
medical expenses and lost work time for pedestrians are injured it? most of the
provisions of the law if there is no agreement or arrangement, mutual efforts
from friends and neighbors, then the losses – losses it will be left alone was
hit by those subject to overwriting. Losses finance it should be on his
responsibility by a widow with three children, by the airlines that, bang,
homeowners, and pedestrians that.
