An insurance contract is one of the most significant documents an average consumer signs in the course of his or her adult life. It defines the scope and measure of protection available to the policy holder should the risk eventuate. Insurers similarly view the information supplied during contract negotiations as critical. As it provides a basis for assessing the risk inherent in issuing the policy, failure to disclose information fully and accurately can skew calculation of the risk level inherent in the deal and of the appropriate premium payable. For this reason, insurance contracts have traditionally been treated as a special category of business dealing. Unlike standard contracts based on caveat emptor, let buyers beware insurance contracts bind both insurers and consumers to a higher duty of honesty and good faith in their dealings with each other. Failure to fully disclose information that may affect an insurers calculation of risk in taking on the contract can potentially, therefore, result in the valid rejection of a policy holders claim.Given the potentially devastating consequences claim denial carries for policy holders, this book outlines the current legal regulatory framework governing this area and assesses its capacity to provide a just and efficient set of standards for the exchange of this information in the pre-contracting stage.
This book examines the current aspects of the internet which affect society, as well as the projected effect the internet will have in the future. Topics discussed include using social networking sites to look at the future; personal information agency and reseller adherence to key privacy principles; laws regarding personal information, including social security numbers, being used by internet resellers; e-governance in the Pacific Islanders and the use of web 2.0 tools to support collaborative learning.
Soul Disclosure: Poetic Expressions is a collection of voices that represents the richness and diversity of the poetic form. Here you will discover the magic of words woven with hand and heart to create works of subtle depth and hidden beauty. Many will find it a gratifying read that affirms the power of poetry to inspire, illuminate, and nourish that which is alive within all of us. Truly an outstanding collection of poetry that will stir you, and make you think - inside this book lie many precious gems that only you can reveal.
The financial sector in Russia has come a long way since the first years of transition. Key to developing a sound financial sector in a market economy is the process of building trust among the market participants. 'Building Trust' evaluates recent developments within the financial system in Russia and provides a roadmap for implementation of priority improvements. The goal of this book is to support a broader understanding and consensus on priority reform measures.
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