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The advantages of compulsory insurance Some compulsory insurance can reduce the running cost and increase the efficiency of the society.Take the motor insurance for example.Car accidents are really common in every country,the motor insurance can simplify the compensation process and increase the efficiency of society.On the one hand, the third party will get compensation from insurance companies,which is much more reliable(since the insurance company will not disappear suddenly) and will compensate automatically.I mean they will get contacted with victims. On the other hand,the first party does not need to negotiate with the first party and just need to provide the picture of the accident and your details.This process sounds really nice, However most drivers are pretty confident in their diving,therefore they will not buy motor insurance if it is not compulsory.And actually they must overestimate their driving skills,so compulsory insurance is really necessary to reduce the running cost and increase the efficiency. And if two insurances schemes are same,compulsory one will be cheaper.On the one hand,due to economies of scale, the expense of the compulsory insurance is lower,because customers will go to insurance company and buy it,which will reduce commission fees.On the other hand,every insurance company will provide such insurance contracts,because no company insurance wants to give up such large market(compulsory insurance means large amount of people need it).And because of the competition of insurance companies,they will try to provide lower price and higher quality to attract customers.All in all,the premium must be lower.
8 апреля 2017 г.
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advantages of compulsory insurance The compulsory insurance is the insurance that government force people who meet certain requirement to buy,otherwise people will get fined or other punishment. In my opinions,compulsory insurance is more advantages than disadvantages Most compulsory insurance schemes aim for protection and are really necessary.Most people are short-sighted,which means that they will try to avoid risk in the short term,but in the long term they will not realize risks.However these risks will affect not only their own lives but also the whole society. For example,if superannuation is not compulsory,many people may not save for retirement,because the future is far and uncertain,and they prefer consumption and happiness now.However most people will not have a steady income after retirement,which can increase the burden on the whole family or the government(since people elected the government to improve their lives) dramatically. Therefore compulsory insurance can protect people from future risks that not be realized by themselves.And the same line of reasoning lies in motor insurance and many other compulsory insurance. Some compulsory insurances can promote social fairness,since they can protect vulnerable party.The most typical example is worker’s compensations. Compared to companies, workers are relatively vulnerable.Without worker’s compensation,workers may not get any compensation when they get injured in work or are in maternity. This is unfair for workers.Therefore it is like a more effective way to regulate the companies to protect employees, because there must be someone compensating the workers.
8 апреля 2017 г.
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the advantage of worker's compensation The worker’s compensations is for sake of social fairness. Compared to companies,workers is relatively vulnerable.Without worker’s compensation,workers may can not get any compensation when they get injured in work or are in maternity.This is unfair for workers. The compensation for workers can be huge,especially for some serious injury.Without compulsory insurance,the profits of the company may be higher,but there will be a large cut in balance when one injury happens.However if the company buy worker’s compensation,the insurance company will afford the cost.Therefore this can help companies smooth the balance.
28 марта 2017 г.
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the advantage of compulsory insurance If government stop intervening the compulsory insurance,the compulsory insurance is not compulsory any more.Since only government can punish anyone if they are against law. Most compulsory insurance aim for protection and it is really necessary.Most people are short-sighted,which means that they will try to avoid the cost and risk in short term,but for long term they will not realize risks.For example,if superannuation is not compulsory,many people may not save for retirement,because the future is far and uncertain,and they prefer the consumption and happiness now.However most people will not have steady income after retirement,which can increase the burden of whole family or the government(since people elected the government for better life) dramatically.
28 марта 2017 г.
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