Required in the insured risk it, as a shop for insurance contract, be a possibility, any unrealized falling .Because the idea of probability is the core contracts probability that this contract.
However, the danger is falling investigator on one of the two images are:
First - Potential danger in terms of the fact it happens: that is, it is inevitable fall, such as insurance against fire or theft, liability or injuries, ordered the occurrence of this risk was doubtful located has not located.
Second - Potential danger in terms of the time it takes place: this risk is not possible in terms of falling, but inevitably falling but the time it takes place is known. Such as life insurance,
The risk of death is inevitable falling but his time is unknown, Probability this risk in terms of time falling and not falling into the same because it is inevitable.
However, it should be noted the difference between the probability of getting caught and did neither.Danger insured it should be possible, and at the same time should not be impossible, because it is the insurance contract, which should be possible if was impossible falling signed the contract null and void for the impossibility of misplaced [Article (132) civilian For example, if the security person on his car against all dangers, then show that this car had perished College before the conclusion of the contract, this contract shall be null and void for lack of shop . As the loss of the thing before it makes insurance if the risk impossible And eliminates shop And invalidate contract .
The probability of the insured risk it requires that it has not already been achieved or still before the conclusion of the insurance contract, because the danger in both cases (verification and disappearing) is impossible, not probable . As if the security person at the home against fire and the home has already burned by insurance, in that it is the threat to the insured has already been achieved and is not likely to fall . As if security charger on the goods transported by road against the risks of the road and then showing that these goods actually arrived to the stores by the shipper before the conclusion of an insurance contract, and the arrival of the goods - In this case - means the impossibility of their exposure to the risk of the road will be insured because she actually arrived, and invalidate the contract regardless of the insured knew or did not know.
The potential danger assume that it must be in the future, Incident which is located in the past can not be potentially but investigators.
التسميات
insurance contract