Insurance and cooperation default.. Insurance is supposed cooperation among the insured who threatened danger of one nature

Civilian human nature he can not live alone, but looking - Always - Peers, in order to collaborate with them in the payment of the common pitfalls to which they are exposed. When human exposure to increased risks paid to think of insurance to avoid financial implications achieve these risks . Insurance be allocated does not lead to avert disaster, but distributed Effects on total insured . And insurance operations assumes cooperation among the insured who threatened danger of one nature.

In light of the above it is clear that the insurance cooperative is organized insured by getting periodic premiums of the insured, Provided that the compensation for those who caused the loss of them, through what has gathered from these premiums, the believer is not a speculator or gambler but insurance regulator of the process which assumes cooperation between the insured.

The offense that cooperation is necessary for the performance of insurance to its mission in the community, i saliva distributes risk to the greatest number of people, reassure them to ensure coverage of insured insured risk it.

The cooperation appears evident in the cooperative insurance where each member will go in the group to secure each other to check the danger agreed to guarantee among themselves .    The commercial insurance (premium fixed) does not appear cooperation evident in the relationship Streptococcus with b j n Insurer and the Insured, however it is assumed given the multiplicity of relations between the insurer and the insured because cover the risk to someone is through balance common component of mg m p premiums they have paid to the insured . A way we can say with him that a believer plays the role of a mediator in the distribution of the financial impact if the risk insured than for someone on All.

Insurance be allocated based on the idea of contributing to the swap bear Financial implications if the risk insured it, but this process insurance require T. number of insured them and force change in order for the believer to fulfill its obligations in the face of the insured as well as to achieve a profit margin.