Necesitatea de a introduce asigurarea obligatorie a locuintei in Romania
THE NECESSITY TO INTRODUCE COMPULSORY DWELLING INSURANCES IN ROMANIA

Summary/Abstract: The hereby paper concerns the importance of introduction of compulsory dwelling insurances against natural disasters. By finalizing the contract of compulsory insurance, the insured person beneficiates, in the case of production of the risk insured, of support for the reconstruction of the destroyed dwelling. The insurance companies accumulate a huge potential of sale for the compulsory and optional dwelling insurances and realize profits. This new type of insurance is administered by PAID (Pool of Insurance Against Disasters) formed by the association of the insurance companies authorized to finalize compulsory dwelling insurances. The strategy of some companies consists in selling in package the compulsory dwelling insurance and the compulsory car insurances of RCA type, strategy which anticipates the application of the Law of compulsory dwelling insurances.

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