دور المصلحة التأمينية في تعويض المؤمن له

Abstract

This study aims to show the insurable interest role in measuring and determining the loss value when compensating the insured, preventing intentional mistakes, and how it is seriously in banning gambling and betting, as well as standing on the legal relationship between the insured and the subject of insurance.Also, the research studies the relationship between the insurable interest as an independent variable and its four sub-variables (economic interest, legitimate and legal interest, the seriousness of the insurable interest, and its availability times) with the compensation as a dependent variable.The study domains are conducted in which are the National Insurance Company and the Ministry of Oil headquarter The research was based on the analytical descriptive approach in the identification and treatment of research variables, and on the questionnaire tool as an important tool in collecting information and data for research variables. One of the important conclusions reached in this work is that proving there is a joint insurable interest between the National Insurance Company and the Insured (Ministry of Oil) and considering it as a legal requirement for the validity of insurance contracts. Also, the results for the analysis of the financial data of the National Insurance Company and the insured, Ministry of Oil, showed there is a correlation moral effect between the insurable interest and compensation Finally, this research came out with a number of recommendations such as;It is necessary to pay attention to the principle of insurance interest by the National Insurance Company and the insured (Ministry of Oil) in all insurance contracts, as one of the essential elements of the insurance contract