Insurance and Its Role in Material Damage Compensation

Osiguranje je gospodarska djelatnost čija je svrha zaštititi fizičke i pravne osobe te njihovu imovinu od posljedica djelovanja brojnih opasnosti. Na taj način se osigurava sigurnost koja je potrebna za funkcioniranje gospodarstva i društva u cjelini. Osiguranje je danas, nakon što se razvijalo tisućljećima, visoko razvijena društvena djelatnost kojoj je uloga da nadoknadi štete osiguranicima koje su nastale uslijed djelovanja prirodnih sila i mnogih drugih događaja. U radu se analizira pojam osiguranja, vrste osiguranja, ugovor o osiguranju, odnosi između stranaka ugovora o osiguranju, tržište osiguranja u Hrvatskoj, itd. Također se govori o razlikama pravnog i osigurateljnog pojma štete, što je vrlo bitno jer upravo zbog tih razlika dolazi do nesporazuma između stranaka ugovora o osiguranju. Ulaskom Republike Hrvatske u Europsku Uniju povećala se konkurencija te je potrebno da osiguratelji stalno rade na poboljšanju svoje ponude i uvjeta osiguranja kako bi ostali konkurentni na tržištu osiguranja, a što kao nusprodukt dovodi i do pozitivnih promjena u korist osiguranika.Insurance is an economic activity whose main purpose is to protect physical and legal entities and their properties from various dangers threatened. In this way, much needed security is assured in order to ensure the functioning of the economy and society as a whole. Since insurance business has been developing for thousands of years, today it is a highly developed social activity, with the role of reimbursement for damages to insures caused by act of natural forces and many other events. This paper analyzes the term of insurance, types of insurance, insurance contract, relations between insurance parties, insurance market in Croatia etc. The paper also discusses about the difference between legal and insurance term for damages, which is very important due to the fact that this different interpretations cause a lot of disputes between insurance parties. When Republic of Croatia became part of the European Union, the insurance competition increased, so it is necessary for domestic insurance companies that they constantly work on improving their service in order to stay competitive on the market, which will benefit the clients