
Flash News
He took his mother's life, the court grants the security measure for the 24-year-old in Përmet
Silva Bino finishes his testimony at SPAK, refuses to speak to the media
100 professors and researchers from universities and organizations open letter against the closure of Albanology
The head of ISHP, Silva Bino, appears at SPAK
Ndragheta becomes 'digital narcos', money circulates in cryptocurrencies with the help of Albanian gangs and the Chinese
Why do insurance companies ask you to insure you and then rush your life to get money when you have an accident?
Answer :
Dear reader. The insurance market itself is a segment of the financial market where businesses and citizens try to "save" from the probability of a loss occurring (an event that causes negative financial consequences). To prevent such a possibility that is accompanied by financial costs, businesses and citizens transfer this risk to Insurance Companies.
In order to benefit from this "privilege", i.e. to get rid of the risk of financial costs that cause damage, businesses and citizens must pay a price (called the premium of the insurance contract), which is many times smaller than the cost of damage if it occurs. These premiums are income for insurance companies, which are financial institutions specialized precisely to take on such a risk, of course trying to spread the risk with different financial means.
At the core of this process of spreading risk, they insure millions of businesses and/or citizens who never experience the same harm at the same time, or in most cases, never at all.
We must understand that even financial institutions are businesses that tend to maximize profit. In other words, there is a negative perception in the public that financial institutions take our money for nothing, without offering us anything, when in reality it is not the truth. Financial intermediaries (in this case insurance companies) assume the financial risk and as such, must successfully manage the flow of income from the premiums paid by citizens and the expenses they incur for staff as well as the expenses for the financial costs they pay when damages occur.
If expenses for damages were greater than income, it is logical that these institutions would go bankrupt.
So, exactly the behavior of Insurance Companies should be seen as businesses. They do marketing and advertising for the products and services they offer in order to attract more customers who buy insurance policies. This is the reason that not only insurance companies, but every business does marketing to attract customers.
As for the difficulty in paying damages, this is due to the administrative bureaucracy (documentary part), which must be complete and accurate. If the insurance companies did not make the documentary process correct, the abusers would increase and this would increase the financial costs, causing these companies to go bankrupt.
Pavarësisht këtij fakti, duhet thënë që në kushtet e mungesës së informacionit që kanë qytetarët në lidhje me procedurat, kompanitë e sigurimeve duhet të jenë më transparente në lidhje me procedurat si dhe të jenë ndihmuese për bizneset dhe qytetarët e dëmtuar, që të plotësojnë me korrektesë dokumentacionet. Kjo do të reduktonte klientelën e pakënaqur nga një shërbim i paplotë dhe do të përkthehej në më shumë besim tek qytetarët ndaj produkteve të sigurimit.
U përgjigj Artan Gjergji. Lexo biografinë e tij.
*.*.*
Keni një pyetje për ekspertët tanë? Dërgojeni duke klikuar këtu!
*.*.*
Refuzim për Përgjegjësi Ligjore (Disclaimer)
This website and blog with questions and answers is an informative column, which in itself aims to inform and educate citizens free of charge, regarding various economic and financial issues. The Politiko Portal and the Experts who answer citizens' questions, neither separately nor jointly, assume any legal responsibility for any action taken and/or misused by anyone based on the information distributed in this blog/column for educational purposes and informative.
Latest news


Silva Bino finishes his testimony at SPAK, refuses to speak to the media
2023-06-06 11:07:24



The head of ISHP, Silva Bino, appears at SPAK
2023-06-06 10:13:58


The largest dam in Ukraine is blown up, massive floods are at risk
2023-06-06 09:30:35





Horoscope, star forecast for today
2023-06-06 08:19:01

Temperature up to 30°C, weather forecast for today
2023-06-06 07:59:18
Posta e mëngjesit/ Me 2 rreshta: Çfarë pati rëndësi dje në Shqipëri
2023-06-06 07:49:23
US sanctions seven Russians
2023-06-05 22:55:49

Lela warns: What is expected to be released on May 14, unheard of in the world
2023-06-05 22:31:17

Lawyer: Tahiri can be returned to the cell
2023-06-05 21:57:40
The release of Tahir, Noka: He kept the code 'Omerta', did not release names
2023-06-05 21:43:51
College of presidents: DP to elect the president by July 15
2023-06-05 21:33:56
Bargaining with the dead, how grave sites are sold in Durrës
2023-06-05 21:30:57
The situation in the North, Kurt's meeting with Lajçak and Escobar begins
2023-06-05 21:01:06
After returning, Basha talks about the May 17 agreement with Rama
2023-06-05 20:43:51
Sunak: Our plan to curb illegal migration is yielding results
2023-06-05 20:30:52

Reporter: There are rumors of Dako's possible arrest
2023-06-05 20:00:56
Tensions in Taiwan, US and Chinese defense chiefs accuse each other
2023-06-05 19:51:28

Apple is expected to bring a new product
2023-06-05 19:31:34
Bebe Rexha reacts harshly to comments about her weight after exposing her belly
2023-06-05 19:24:57

Merr flakë makina në Durrës, të rinjtë tentojnë ta fikin me kova me ujë
2023-06-05 19:17:28
Mike Pence announces his candidacy for president of the USA
2023-06-05 19:12:18
Rama 'closes the doors' of Cadastre: Soon, online services
2023-06-05 18:56:33
Tried to kill his sister, the former Inter player is arrested in Paris
2023-06-05 18:42:43

Eksperti i kriminalistikës: Një ish-kryebashkiak mund të arrestohet së shpejti
2023-06-05 18:12:55


The 17-year-old Albanian disappears in Britain
2023-06-05 17:40:16

KLSH's report on public companies: There are problems with staff recruitment
2023-06-05 17:13:48
Euro në rënie të lirë, “rrokulliset” pranë kufirit të 108 lekëve
2023-06-05 17:03:57
Serbs attack the police car in Zveçan with stones
2023-06-05 16:56:55
Actor Jonah Hill becomes a father for the first time
2023-06-05 16:55:19
Additional NATO troops arrive in Kosovo
2023-06-05 16:47:38


Drug trade/ This is the grandson of the socialist deputy, Bardhyl Kollçak
2023-06-05 16:10:57
Marriage in crisis? It is said that the husband cheated on Natalie Portman
2023-06-05 15:56:26
The accident in Prresnjas/ The injured leaves for Tirana by helicopter
2023-06-05 15:51:47
GJKKO leaves the General Secretary of the Ministry of Health in prison
2023-06-05 15:44:27
The iconic painting "Bust de femme" by Pablo Picasso is up for auction
2023-06-05 15:32:09
Fire near the Pashaliman military base in Vlora, the causes are unknown
2023-06-05 15:25:53
Ardian Bujupi towards marriage, who is his partner
2023-06-05 15:23:04

Aksident në Librazhd, makina me dy të rinj futet poshtë kamionit
2023-06-05 15:03:08
Serbian protesters block the Kosovo Police vehicle
2023-06-05 14:54:24



The shooting of the new film of the duo Jennifer Lopez-Ben Affleck is suspended
2023-06-05 14:26:53






Karim Benzema signs deal to join Saudi Arabia's Al-Ittihad
2023-06-05 13:41:02

The court left him in prison, Alma Beqir's lawyer reacts: We will go to Appeal
2023-06-05 13:32:15
KFOR removes the barbed wire placed in Zveçan
2023-06-05 13:28:07
Thinking of retiring from music, Mc Kresha already has a new profession
2023-06-05 13:23:04
"Eagles" flash actions in Fier, three young people are arrested
2023-06-05 13:20:34


A Polish citizen is found dead in a hotel room in Golem
2023-06-05 12:50:46




KAS decides to recount the ballot boxes in the Municipality of Belsh
2023-06-05 11:52:23







"I'm saying goodbye", Zlatan Ibrahimovic ends his football career
2023-06-05 09:57:49



