Insurance and the Social and Individual responsibility
Insurance and the Social and Individual responsibility
Insurance in all its forms is fundamentally a cultural and specifically social concept that all product of human relations is the subject of constant transformation and evolution. Conception prevailing or generally accepted that at any given time is understood by risk, safety and responsibility in a society, they have largely defined the way in which the insurance institution will comply with its promise to manage risk, and provide to the society a certain degree of control over the uncertainty.
The principle of responsibility
It was that promise of gaining control over the uncertain what led to certain Protestant religious currents to denounce the insurance as an arrogant interference with the designs of God in 18th-century Europe. Such designs established a principle of responsibility according to which "not allowed us transferring to others the burden of what happens to us". According to that criterion, every man is responsible for satisfying if only their needs and those of your family counting only with their own resources, and according to the conventional conception of the term that remains to the present day, responsibility is the duty that we have accountability for our actions and the moral obligation which results from having committed a fault.
The forecast as a virtue
Clearly, it is evident that the principle of liability acts as a regulatory mechanism of human action and seeks that man behaves with foresight and prudence.
It is precisely on the concept of anticipation, that the man began to meet and understand the random effects of the destination. It recognizes that it is absolutely irrational to treat individually oppose forces that cause accidents that affect its stability, acquired full awareness of their individual weakness and understands that its security depends on the forecast and its ability to partner with others to gather resources and compensate for the effects of misfortune in a world constantly threatened by uncertain events somehow.
It is already the end of the 19th century the insurance institution arrives to become the more rational forecasting mechanisms. Against the threat of accidents which can hardly be anticipated the best possible tactic is to have available mechanisms of compensation that provides insurance.
Responsibility and solidarity
In response to the problem of work-related accidents, industrial society transforms the principle of responsibility and replaces it with mechanisms based on solidarity, which means that before certain events leave to operate the concept of failure based on legal norms to assign responsibility and blame. The concept of risk, which has as its main tool to control to the insurance institution, whose purpose is to compensate its effects by distributing the cost of the compensation socially is born. The risk then acquires a social character that is institutionalized by means of contracts between individuals who accepted to share the economic burden offset a loss suffered by any of them.
Insurance and social responsibility
When we take a certain, usually we not realized from the fact that there is an important dimension of social, collective and solidarity behind our bilateral contract with the insurer. If we are the fortunate enough, most of which pay as premium will be used to pay for events that affect others with whom we share solidarity way the economic burden of the risk. Considered from this point of view, the insurance is a form of social responsibility that is particularly referred to the universe of policyholders of a company who share a particular coverage.
Then, take a certain is an act of a high moral component that involves cooperation with others, mutual support and shared responsibility in the way as we exercise prevention and prudence before the risk depends on the responsibility of aggravating the burden of others must endure to cover our losses or moral chance of contributing to the objective that we have as a society to manage risk incurring the lowest possible social cost.
Insurance in all its forms is fundamentally a cultural and specifically social concept that all product of human relations is the subject of constant transformation and evolution. Conception prevailing or generally accepted that at any given time is understood by risk, safety and responsibility in a society, they have largely defined the way in which the insurance institution will comply with its promise to manage risk, and provide to the society a certain degree of control over the uncertainty.
The principle of responsibility
It was that promise of gaining control over the uncertain what led to certain Protestant religious currents to denounce the insurance as an arrogant interference with the designs of God in 18th-century Europe. Such designs established a principle of responsibility according to which "not allowed us transferring to others the burden of what happens to us". According to that criterion, every man is responsible for satisfying if only their needs and those of your family counting only with their own resources, and according to the conventional conception of the term that remains to the present day, responsibility is the duty that we have accountability for our actions and the moral obligation which results from having committed a fault.
The forecast as a virtue
Clearly, it is evident that the principle of liability acts as a regulatory mechanism of human action and seeks that man behaves with foresight and prudence.
It is precisely on the concept of anticipation, that the man began to meet and understand the random effects of the destination. It recognizes that it is absolutely irrational to treat individually oppose forces that cause accidents that affect its stability, acquired full awareness of their individual weakness and understands that its security depends on the forecast and its ability to partner with others to gather resources and compensate for the effects of misfortune in a world constantly threatened by uncertain events somehow.
It is already the end of the 19th century the insurance institution arrives to become the more rational forecasting mechanisms. Against the threat of accidents which can hardly be anticipated the best possible tactic is to have available mechanisms of compensation that provides insurance.
Responsibility and solidarity
In response to the problem of work-related accidents, industrial society transforms the principle of responsibility and replaces it with mechanisms based on solidarity, which means that before certain events leave to operate the concept of failure based on legal norms to assign responsibility and blame. The concept of risk, which has as its main tool to control to the insurance institution, whose purpose is to compensate its effects by distributing the cost of the compensation socially is born. The risk then acquires a social character that is institutionalized by means of contracts between individuals who accepted to share the economic burden offset a loss suffered by any of them.
Insurance and social responsibility
When we take a certain, usually we not realized from the fact that there is an important dimension of social, collective and solidarity behind our bilateral contract with the insurer. If we are the fortunate enough, most of which pay as premium will be used to pay for events that affect others with whom we share solidarity way the economic burden of the risk. Considered from this point of view, the insurance is a form of social responsibility that is particularly referred to the universe of policyholders of a company who share a particular coverage.
Then, take a certain is an act of a high moral component that involves cooperation with others, mutual support and shared responsibility in the way as we exercise prevention and prudence before the risk depends on the responsibility of aggravating the burden of others must endure to cover our losses or moral chance of contributing to the objective that we have as a society to manage risk incurring the lowest possible social cost.
Insurance and the Social and Individual responsibility
Reviewed by GanarGanando
on
12:59:00
Rating:
Reviewed by GanarGanando
on
12:59:00
Rating:
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