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Suma asigurată

Suma asigurată

Reprezintă partea din valoarea de asigurare (supusă riscului) pe care asigurătorul urmează să o plătească în cazul producerii fenomenului (evenimentului) şi pentru care acesta îşi asumă răspunderea în cazul producerii riscului asigurat, în condiţiile în care s-a încheiat asigurarea.

Suma asigurată nu poate depăşi valoarea reală a bunului asigurat. Ea poate fi egală sau mai mică decît valoarea bunurilor respective.În cazul asigurărilor obligatorii de bunuri, suma asigurată se stabileşte pe baza normelor de asigurare. La asigurările facultative, ea se stabileşte pe baza propunerii asiguratului şi în limitele acceptate de către asigurător.

Norma de asigurare reprezintă suma asigurată, stabilită prin lege, pe unitatea de obiect asigurat.

Evaluarea în vederea asigurării, reprezintă operaţiunea prin care se stabileşte valoarea bunurilor în vederea includerii lor în asigurare.


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