samopridržaj
English translation: Self-Insured Retention / SIR
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| 12:38 Dec 3, 2008 |
| Serbo-Croat to English translations [PRO] Bus/Financial - Insurance | |||||||
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|  Selected response from: Kristina Kolic Croatia Local time: 21:49 | ||||||
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| Summary of answers provided | ||||
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| 5 +4 | Self-Insured Retention / SIR |
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| 2 | reinsurance limit |
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Answers
57 mins confidence: 
reinsurance limit Explanation: Nadam se da ce te dobiti jos predloga i odgovora..... Reference: http://dict.susjed.com/index.php?lang=en_hr&word=samopridr%C... |
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23 hrs confidence: peer agreement (net): +4
peer agreement (net): +4Self-Insured Retention / SIR Explanation: "Samopridržaj ili udio osiguranika u šteti. Ugovora se u fiksnom iznosu ili u postotku koji se primjenjuje na iznos štete. Razlikuje se od franšize kod koje se postotak ograničenja obveze određuje prema svoti osiguranja. Ako je npr. osigurana svota 100.000 kn, a ugovorena je odbitna franšiza od 10% pa nastane šteta u iznosu od 5.000 kn osiguranik neće ostvariti nakandu iz ugovora o osiguranju jer je odbitna franšiza veća od visine štete – iznosi 10.000 kn. Međutim ako je ugovoren samopridžaj od 10%, pa nastane šteta od 5.000 kn onda je samopridržaj 500 i to je ujedno iznos koji snosi sam osiguranik, dok osiguravatelj pokriva razliku od 4.500 kn. Kod samopridržaja je poznata visina udjela osiguranika u postotku od svake štete pa iznos samopridržaja ovisi o visini štete." http://www.triglav-osiguranje.hr/default.aspx?id=136 "Samopridržaj je vlastiti udio osiguranika u šteti, odnosno nepokriveni dio štete koji iznosi najmanje 15% kod kratkoročnog osiguranja naplate potraživanja." http://www.hbor.hr/Default.aspx?art=811&sec=16 U reosiguranju: http://www.pravo.hr/_download/repository/REOSIGURANJE.ppt#16 "Insurance companies, reinsurance companies, and reinsurance pools will all buy reinsurance. The only additional organizations, which buy reinsurance but do not also sell it, are self-insurers. These organizations buy reinsurance above a SIR (self-insured retention). This article presents and explains different types of reinsurers and different reinsurance distribution channels." http://jobfunctions.bnet.com/abstract.aspx?docid=111490 "Self-insured retention (SIR). The amount of loss for which the insured agrees to be responsible before the insurer begins to pay for a loss. Unlike a deductible, the insured is usually responsible for handling claims within the self-insured retention." http://www.vpl-law.com/CM/Custom/TOCGlossary.asp "Self-Insured Retention - In umbrella insurance, self-insured retention is similar to a deductible in other types of insurance. The self-insured retention is the amount of damages for which the policyholder is responsible before the umbrella coverage begins to cover a loss." http://www.insurancetips.org/insurance-glossary.php "Self-Insured Retention - A form of risk financing through which a firm assumes all or a part of its own losses." http://www.olsonduncan.com/definitions.php "Self-Insured Retention (SIR) - portion of a property or liability loss retained by a policyholder. Most policyholders do not purchase insurance to cover their entire exposure. Rather, they elect to take a deductible, or portion that they will cover themselves. For example, a homeowner may purchase $150,000 worth of insurance with a $500 deductible for certain losses, such as roof damage by hail. The $500 deductible is one form of self insurance. It means the homeowner will cover all losses for that amount or less." http://www.allbusiness.com/glossaries/self-insured-retention... |
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