손해보험에 관한 모든 것

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2010 금융보험입문과목 레포트로 활용했던 과제물입니다
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제1장 손해보험 개요 ·····································································
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1. 손해보험의 의의 ·······························································
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2. 손해보험의 성립요건 ······················································
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3.손해보험의 가치 ·································································
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4.손해보험의 기능 ·································································
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제2장 화재보험 ················································································
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1. 화재보험의 의의 ·······························································
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2. 화재보험의 구조 ·······························································
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3. 화재보험증권 ·····································································
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제3장 배상책임보험 ·······································································
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1. 배상책임보험의 개요 ······················································
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2. 배상책임보험의 구조 ······················································
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3. 배상책임보험의 종류 ······················································
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제4장 보증보험 ················································································
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1. 보증보험의 개요 ·······························································
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2. 보증보험의 종류 ·······························································
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제5장 상해보험 및 특종보험 ·····················································
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1. 상해보험 ···············································································
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2. 특종보험 ···············································································
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본문내용

제1장. 손해보험의 개요
1. 손해보험의 의의 :
1) 경제적 측면에서의 의의 : 재산의 소유, 사용 및 관리상 손해가 발생한 경우에 이를 보상해 주는 제도
2) 법적 측면에서의 의의 : 보험계약자가 약정한 보험료를 보험자에게 지급하고 보험사고로 인한 피보험자의 재산상의 손해를 보상해 줄 것을 약정하는 계약
2. 손해보험의 성립요건
손해보험은 우연적인 발생 가능한 사고의 발생을 전제조건으로 한다. 손해보험에 있어서 보험사고는 일정한 요건을 필요로 하는데 즉, 우연성, 발생가능성, 적법성, 특정성, 목적이 있어야 한다. 또한 보험사고는 발생 가능한 것이어야 하며 그 범위는 보험계약 체결 당시에 특정할 수 있어야 한다.
3. 손해보험의 가치
손해보험의 진정한 가치는 다수의 위험을 그룹으로 한 대 묶어서 불확실한 손해의 윤곽을 파악할 수 있도록 하고, 한데 합해진 개별위험의 수가 매우 많으면 대수의 법칙이 적용되어 전체 손해의 규모를 파악할 때 오차를 줄일 수 있다는 데에 있으며, 이 오차가 적을수록 그룹 구성원들은 더 적은 비용으로 발생한 손해에 대처할 수 있게 된다는 점이다.

참고 자료

-보험과 현대생활(2007, 김영욱 著)
-손해보험론(2006, 박상범 · 김용하 · 이희춘 共著)
-손해보험론(2001, 박상범 著)