Finance Insurance Secure Law: July 2009

Gold already had lowering target set to level 903 by the time it broke level 944. Now, after dropping below level 931 ("K" trend line) the pair confirmed its intention to reach that target. What is more, owing to breaking of "K" trend line, the lowering may move gold even deeper - to level 888, if support level 903 will be passed on the way down.

Having stopped slightly below the strategic resistance level 998 (“Z” trend line), gold eventually formed up a “double top” trend-turning figure at H4 graph (denoted as “a-a+” trend) and executed it after getting under the level 967. Such an event is a very important signal for “B-B+” daily trend’s turn. I’m expecting its lower bound to be broken shortly and, if gold goes under the level 945 (under the “B” trend line), the uptrend will be changed to downtrend and gold will set the target of lowering to support level 903.

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Auto insurance - wide concept includes car insurance (Kasko), insurance of a civil liability of the owner of a vehicle for a damage put to the third parties, and also life insurance and health of the driver and passengers of the car from accidents.If the car is insured from every possible risks which can lead to damage or loss of the case of the car, it is called full Kаskо. Roadaccident, a fire, stealing, falling of heavy subjects, illegal actions of the third parties, acts of nature concern them.Other important concept of auto insurance is obligatory insurance of a civil liability of owners of vehicles (ОSGO), supervision of which carrying out has extremely great value for bodies of insurance supervision in view of a considerable quantity of the policieswidely distributed as geographically, and from the sociological point of view. It, as a rule, leads to occurrence of a considerablequantity of disputable situations between clients of the insurance companies and the insurance companies. For the majority of people insurance policy ОSGO will be the contract of insurance first in their life, the prisoner with the private insurance company.Compulsion of insurance of an auto civil liability means, that behind conditions of policies of assurance effective supervision shouldbe carried out. It is necessary whenever possible to protect insurers of the unfair relation to them from the insurance companies.The car is insured for the certain sum (the insurance sum) which is an equivalent of market cost аuto or its parts. Within this sum the insurance company carries out payment within the limits of really put damage. On the basis of the chosen risks, conditions of night storage of the car, quantity and the experience of drivers which operate the car etc., the insurance tariff pays off. Insurancecost is defined by multiplication of the insurance tariff and the insurance sum.The most expensive component of risk after road accident is stealing. If the car spends the night in garage or on supervised parkings, is protected by ant creeping systems, the tariff will be smaller. Cost of other risks is very insignificant, and to save on them it is not meaningful, and be useful they can.For mutual interests in insurance the franchise is used. It is an amount of damage which is not paid by the insurance company, hence, it is paid by the automobile owner. It is measured either in money, or in percentage of an amount of damage. For IC is possibility of "education" of the client disciplinary methods. The person more makes thrifty use of the insured property when it bears a liability. Besides, thus small payments which occur more often, than large are cut.For the motorist the franchise allows to lower insurance cost. As many auto insurance specialists speak: «More competent clientscan calculate to themselves the optimum franchise, proceeding from approximate cost of various details авто which are damaged more often (a bumper, a wing, a door). There is «a zero franchise» when any damage is subject to compensation in full. But it is notnecessary to it to rejoice: probably, that insurance cost considerably will grow, or in the policy will be registered by a small font, in what improbable situations the franchise is absent».Other important point at a choice of conditions of insurance is the point on payment of the insurance with the account or without deterioration. If with the account it is necessary to be ready to difference payment in depreciation of the damaged details from own pocket. If you choose point «without deterioration» cost of the insurance will be more expensive.Also there is such kind of auto insurance, as Voluntary insurance of an auto civil liability - VSGО. Voluntary insurance of an autocivil liability is not less important, than insurance of your car as insurance compensation on this risk can become real alternative of the criminal liability. Judicial claims of the third parties which have casually suffered at road accident, sometimes contain financialclaims in several tens and even hundreds thousand US dollar, and proceedings and lawsuits are stretched for some years. Persistent claimants aspire to achieve satisfaction of the claims, and respondents should spend considerable time, forces andmeans for the protection.