Przesłanki prewencji ubezpieczeniowej

Abstract

Insurance offices are directly interested in reduction of the number and extend of haphazard damages because they have influence on the financial results of insurance business. Therefore insurers apply different technical insurance measures to counteract haphazard damages. The offices carry on also preventive activities connected with certain financial expenditure. As a rule the state puts them under obligation to do so because insurance activities are kept under state control. Imposing obligation of preventive activity on insurance offices the state is positive that insurers who liquidate damages and investigate their causes are particularly predestinated to take part in effective preventing losses. Another reason for the participation of insurance offices in preventive activity is the conviction that to some extent insurance protection affects unfavourably the preventive attitudes of the insurants and may add to the so called subjective risks. The purpose of insurance prevention is to offset that influence of insurance.