Mortgage insurance

Mortgage insurance


Mortgage insurance is one of the newest types of insurance in general and in the States In particular, developing the insurance sector where he started on the insurance of goods The Navy ships and evolved later to secure the documentary credits and insurance Life and health insurance, insurance and transport insurance and engineering insurance The buildings and property insurance is the protection and the prevention of drug and preserved at the head of Finance and insurance varies with each of the different terms of conditions Natural surroundings and the special technical specifications and has made it difficult to determine Uniform definition of the engineering insurance and real estate have started to emerge in the insurance Mid-ninth ten days in Britain a result of the evolution in the use of vehicles The industrial revolution and the emergence of many of the incidents that led to the loss Material and human Odyaly which has invested capital and the loss of Resources National. With the industrial progress and the desire of the owners of large projects to avoid losses Due to accidents and loading of the body or group is able to maintain the head Money and the possibility to continue in the event of danger. The insurance covers the Alakarngtip value of the property and liability insurance will start from the beginning Creation and design of the property where the required insurance certificate is always asked of the The contractor against the risks of construction and force majeure, which prevented the contractor to complete The project schedule, such as a war and others. 1 In the following types of insurance: --

1 - Providing civil engineering projects and construction and includes insurance coverage Permanent and temporary work by the contractor on the project site, or any Another site linked to this project also includes insurance coverage of all machines And equipment used and the civil responsibility arising from the construction works

2 - Insurance against all risks of installation ... This includes insurance cover Losses that occur during the establishment of engineering projects and industrial Include the processing and installation of machines, such as power plants and industries Chemical, pharmaceutical, oil refineries and other factories Different types, as well as the civil responsibility arising from such acts

3 - damage machinery insurance: This covers the insurance of machinery and equipment Accidents and sudden involuntary and unexpected course of their work or Sconha resulting Of operator error and lack of skill in the operation and after the completion of due diligence And modernization, and the explosion of the boilers and boilers as well as the damage produced Of buildings or facilities to verify the result of previous risk

4 - machinery and equipment to ensure the overall contractors: This insurance covers the losses Accidents resulting from the sudden and unexpected mechanisms and equipment fixed The animation used by the contractor at the work site and during transport between sites Different

5 - electronic equipment insurance: This insurance provides full protection Of electronic devices, computers of various losses and damage to the Electrical short and weak and defenseless human error and negligence and lack of skill Fire, theft, and errors of natural moisture and property insurance against fire : This insurance covers damage caused by the fires, however, artificial And out of the will of facilities and real estate affects the overall real estate Neighboring fire damage because of this Insurance against natural disasters and the insurance cover that might cause flooding And lightning, earthquakes, volcanoes and other natural disasters Damage done to buildings and property and destroy it Insurance wars: includes insurance and damage caused by wars And demonstrations It must cover all types of insurance the damage being inflicted on the civilian personnel Owners of the property or which may affect individuals who are there by chance, with the The insurance value is usually a certain percentage of the value of the property and also Depending on the type of coverage when required to cover all the risks such as theft Fire and natural disasters, wars and civil Alswlip value Insurance may be the highest one can choose any kind of coverage wanted And depending on the type of property Alakaralve to reduce the value of insurance At the Matkdm can be seen the importance and benefit provided by these Types of insurance documents in the transfer of the risk of persons or groups Small unable to confront the insurance companies and therefore Reinsurance companies in order to ensure the protection of investors and the national economy

Insurance Glossary part 2

Established


Headquarters, which is engaged by the employer or by the activity-based, and carries his name or trade name for this activity and employs a number of workers under the social security system.

Legal personality


That is prove to the facilities if the stand-alone and not linked with a client wants Kianhaaleghanoni independent financial and financial disclosure of their respective owners.

Demurrage


The amount that the employer is obliged performed for the delay in the payment of contributions to the regular schedule, and e are determined on the basis of a specified percentage of the contributions did not lead to the institution in a timely manner and are payable immediately upon demand by the institution.

Regulation


Decisions, which contains the regulations or provisions and the executive in accordance with the general social security system.

Receivable


Individual family surviving after the death of the participant or the pensioner or from which he believes is owed to the pension system includes: --
A - son:
Son of the joint and that the eligibility requirements in accordance with the provisions of the social security system when the year are less than (21) years to complement the age and, if he completes his education will continue until the age of maturity (26) years is not required are not specific benefit disabled son.
B - girls:
Bent joint which meets the requirements of eligibility in accordance with the provisions of social insurance as of the date of his marriage.
C - Brother:
Brother, sister or brother of a father or mother in the same conditions of eligibility son.
D - Sister:
Sister, sister or a sister or a mother and with the same conditions of eligibility Balbnt.
E - Father:
The father, who was under the joint dependent as of the date of his death, provided he is incapable of work or over the age of (60) years and not working.
And - the sons and daughters of deceased son: --
Sons and daughters of the son of the common father, who died during the life of the common subject to the availability of maintenance until the date of the death of a participant.
G - the mother:
Common when the mother was dependent of it.
Wife or wives is common in the history of his death or divorced woman and a reactionary when several deaths occurred in this divorce, and Aimitd entitlement to an absolute divorce or separation Baynunah minor importance. Deserve a pension and the widow, even though she works and subject to the terms of the social security system that combines income from work and without her borders, and to combine her for herself and her pension from her husband, with no limitations.
I - widow: --
His wife died, who is participating in the system if they are incapable of earning a living, so until the demise of his inability

Dependency


In the application of the provisions of the social security system a person is considered under the joint support of the pensioner or if the count in any of the basic things of life to him by the participant or the pension funds.

Devolution of share in the pension


Conversion of one share of beneficiaries in the rest of the pension beneficiaries, according to the provisions of the system.

Marriage grant


The grant payable to a widow, daughter, son, daughter or sister due to back or pension in the event of her marriage to a one-time equal to the amount of (18) times the value of their share and stop the exchange from last month, in which the marriage.

Death grant


It's the one that paid by the institution of three months from the return value / benefit payable up to a maximum (10000) Real and deserves in the event of death of the work because of an injury or death of a practitioner of the work were available, which has a duration Tohl family entitlement to the pension or death pension or the inability of non-professionals.

Share of contributions


To which contributions paid by the employer and the joint in accordance with the rates set by the system and on the basis that the employer shall pay the total contributions by employees and its participants, to be deductible, the share of wages of workers involved and the deadlines for that system.

Card to participate


Card, which is awarded to a joint with no involvement of the private for the purposes of the definition of the social security system, which prove the fact of his involvement in the system.

Registration


Alamlipalte steps carried out by the Foundation for the application of the social security system on the one hand the registration of employers and their workers.

Employer


Every natural or legal persons employing one or more of the wage of any type of salary.

Objection


The lack of conviction of the participant or the employer or the pension or return or compensation, or any members of the family's decision of any authority of the institution and request a review, and during the period specified by the system to provide this object.

No subscription


Registration number of the firm to the joint enterprise.


Pensions Compensation Branch

System, which provides the participants or their heirs are protected from the risks of retirement, disability and death.


Insurance rights

Compensation and benefits under the social security system and have to General Organization for Social Insurance provided to the participants or members of types Ilathm when there is eligibility.



The primary medical


Committee appointed by the Foundation to discuss medical matters in accordance with the social security system, which determined the degree of deficit of the injured patient or a professional disease or condition of non-occupational disability, and consisted of at least two doctors to be both a doctor and one representing the company whenever possible.

Medical Appeals Committee

Committee, formed by members of selected specialists from top medical cases for the consideration of an appeal against the decision of medical commissions in the case of primary objection to the joint enterprise, or the decisions of these committees is the last of the three doctors, including at least one doctor is the institution.


Inspector

Adoption of the Foundation staff to monitor the implementation of the social security system and measures taken to implement it and those who have the legal powers and duties within the limits established

Insurance Glossary part 1

Reporting of infection:
By the patient or his representative to inform the employer in writing within four days from the date of the injury or disease or the discovery of a setback by the employer or supervisor to notify the Social Security Office in writing the competent workers with injury enough to have a primary medical care, during the three days of the date of the communication or knowledge of injury and the model No. 10 / occupational hazards prepared by the institution.




Infection


Is the injury resulting from an incident of a joint at work or because of accident or injury while traveling from his residence to his place of work and vice versa during Awalty located en route from his place of work at the scene, dealing with the food or the performance of its links, and vice versa, or injury that occur during the movements of the joint by in order to perform the task entrusted to it by the employer, is also a work injury, which proves that the disease caused by work, as well as diseases specified in the schedule of occupational diseases.

Occupational disease


Disease, which arises because of the work in the profession or industry caused Hmaalmrd, not due to factors outside the work, provided that the disease is contained in the agenda of specific occupational diseases and these diseases, to name a few, and is the first medical watch by the date of the injury.

The duration of treatment


Period from the date of the injury and the injured to the point of entry treatment to recover or settle his or prove unable, or death, including the frequency of clinic treatment and point at the road.

Treatment instructions:


Instructions issued by the competent medical to a patient, which the Foundation may stop payment of their dues, some do not comply with these instructions.

Where disability is the date of


The date set by the competent medical treatment of the date of the expiration of the injured and the stability of his recovery or a deficit.

Assess the degree of disability:


Percentage of disability resulting from injury to the full capacity to work, a percentage will be appreciated by the medical commissions, according to affect the ability of the deficit, whether physically or mentally or emotionally because of injury. Re-estimate the degree of disability, where the injured subject to periodic medical examinations during the next five years for the allocation of return, which includes recosting The deficit increase or decrease the percentage of deficit or the continuation of the same and determine the percentage disability due to the appreciation of the competent medical committee.

Setback, or manifold


The return of symptoms of infection, which was in the process of recovering or worsening This is is the basis for the right patient in the re-examination of the re-estimate the degree of disability they have, is a setback or a multiple of the governors of the original work.


Daily allowance of infection


Daily allowance is the amount of cash paid during a break from work due to joint injury and is estimated by (100%) of the wages and to reduce (75%) was under treatment at the expense of the institution and Hmaalibdl remain in effect until the date of recovery or evidence of disability or death.


Compensation lump of infection


Deserves the amount of time and one of the injured joint in the case of non-fulfillment of the conditions of entitlement to the monthly return and when the proportion of disabled persons (1%) or more but less than (50%).


Total vocational disability sustained


Disability that would prevent colleges and was always among the common and engage in any work or profession by generating income from it when the rate (100%) and commissions will be appreciated by the competent medical institution.


Partial disability sustained professional


Disability caused by injury or occupational disease and reduces the earning capacity of the joint and equal to or exceeding the degree (50%) to less than (100%) and the estimated return Awaltaweid curse due proportion to the value of the ratio of total disability sustained due.


Non-professional disability


Is the inability of the emerging disease or accident Aidechl under the description of a work and put it to the competent medical committee is impossible for the patient because of his health to win a third of the previous wage, at least, and this situation lasts for a period of less than six months.


Injured


Joint Branch of the occupational hazards faced by an accident or an occupational disease of specific diseases on the agenda limited to occupational diseases and conditions listed opposite the name of the disease.


Belonging


Monthly amount due is paid per month for the suffering due to total disability or partial disability because of the sustained up to the limit laid down in the system or who is paid to family members in case of death due to injury and in the application of occupational risks branch.


Helping others


In addition to the amount due, which was estimated by (50%) of its value in cases where a patient in need of aid and other assistance on a permanent basis by the burdens of daily life and determine the medical need of the injured to the extent of this benefit up to a maximum (3500) Real.


Pension


Monthly amount due to the joint in cases of retirement, disability or non-professional family members eligible for in the event of death and in the application of the pension branch.


Compensation for single -


Deserves the amount of time and one of the common case of non-availability of the conditions of entitlement to pension.


Pension account


The way in which the pension is assessed on the basis that the strike is part of the forty part of the average monthly wage subject to participate during the last two years, the number of years of participation in the coefficient set for the account not to exceed the pension (100%) of the average of the coefficient set for the account.


Pensionable age


The age of sixty years is set by the rules of the pension benefit available when the extended subscription required.


The pension


Person available when the conditions of entitlement to pension and actually spent according to the provisions of the Order.


Cut pension


Measure, which is the end state of Merit by the Institute for those who had spent the demise of the eligibility requirements, and can be harvested right to a pension at the time, the availability of other eligibility requirements as provided for in the rules.


Suspension of pension


The procedure whereby a temporary suspension of the pension by the institution for those who deserve because of the refusal was accompanied by the implementation of the instructions given to them, as if refusing to present himself for re-assessment of disability, or for not completing the procedures required for the exchange and resume the procedure required to complete the exchange.


Basic wage


Is all that is received by the compulsory joint return cash to meet his or her parent, whether a specific duration or production, or both after excluding allowances that may be granted depending on the type of work or the degree of gravity or the place of performance, as opposed to additional hours of work or for other reasons, as well as after the exclusion of scholarships and awards annual benefit in kind, the rule is in the basic wage and the percentage of commission from sales and the percentage of the profits, whether limited or were paid in addition to fixed wages.


Allowances received by the joint employer


It means the cash housing allowance and housing allowance in kind instead of cash housing: According to the value agreed between the employer and the joint and the housing allowance in kind: the estimated value of which is subject to the resolution of participation equivalent to base salary for two months.


Average wage of participation


A part of the Twenty-four part of the total wages subject to the participation of over twenty-four month period of the last to participate.


PI


Percent that have been identified for the intervention of the actuarial valuation of pension calculated at a part of the forty part.


Branch pension contributions


Are the amounts deducted from the monthly salary of a worker in Saudi Arabia by (9%) of the freight as well as the amounts paid by the employer and the estimated rate (9%) of the men working under the participation of Saudi Arabia, and these amounts per month to the General Organization for Social Insurance.


Branch contributions to occupational hazards


Are the amounts paid by the employer for all employment and non-Saudis by Saudis by (2%) of the monthly salary subject to a participation of workers and result in monthly payments to the General Organization for Social Insurance.


Joint


Is both subject to the provisions of the social security system was a man or a woman.


Pay Hakami


Wages methyl group in the case of failure to pay interest.

Car Insurance Advice - 5 Factors That Influence Your Insurance Premium

How Much Is Your Car Insurance?

When thinking of buying a car, most persons will think 'is this car costly to insure?' owning an costly automobile doesnt mean that your insurance policy will be most costly.

The type of car you get and it's claim chronicle has a large affect in what you will pay for insurance than does the actual price of the car you're insuring.

For example, if the car has a track record of being stolen more than others, if its repair cost is comparatively high, auto policy insurance premiums for that car will be higher than average.

Your car insurance premiums are depending on various factors. The most important factors are as follows:

The more pricey the automobile, the more it price to replace it.

It's fix costs. To A Greater Extent technologically automobiles are usually more expensive to repair.

If it's stole more than other autos.example, the BMW M5 and the A4 are an example of two cars are stole the most often. If you live in a region with higher autos thieving rates your insurance quote will likely be higher.

high performance cars, sports cars, and luxury cars are in the greatest theft class vehicles due to they have the greatest death values. Lorries and vans are categorized as having the lowest losses for automobile vechile impairment, although trucks and Sport Utility cars will generally have less damage, they will induce greater damage and consequently

If you live in a country had a deal of policy fraud, such as Texas, your insurance rates will be higher. Your age, your driving account . if you have a low driving record your insurance will be substantially high compared to a middle aged with a good driving record.

What Should You Look Out For When you get Cheap Auto Insurance?

Many people have the impression that car insurance average are determined by the overall quality of the automobile insurance that is provided. there are many companies out there that offer cheap auto insurance and offer quality benefits, and services. Here, you will be introduced to a few things that you should look out for when you comes to get cheap auto insurance. If you are shopping for rates that will cover a used vehicle, or a new one, these helpful techniques will assist you in your
choice.
One of the important things that you should do when you search for the cheapest auto insurance rates is to make a personal commitment to shop and compare it


The next thing that you should look out for is discounts. Yes, many car insurance companies advertise discounts for safe drivers, and similar discounts but did you know that many companies having discounts available but they dont advertise? When calling about your potentially new policy in car insurance, you should ask about discounts, like:

•keeping your car in a locked yard

•keeping your car in a garage

•Driving course discounts

•Senior Citizen discount

You perhaps discover that you qualify for more and more discounts than you have imagined.and you must understand that most auto insurance companies will not advertise it's discounts. It is important that you ask about these when you call to establish your rates for coverage.

In conclusion
you must know and understand the basics behind the prices that are charged for your car insurance.

Footnotes

1.you should know what is the minimum limits of auto liability and uninsured motorist coverage in each state


2. When you see a figure like $25,000/$50,000 in relation to an auto policy, it means the limits are "split", that is, one injured person can recover a maximum of $25,000 under the it while $50,000 is the most coverage the insurance company will pay out to all injured persons regardless of the number of people injured in the same accident or how they be injured.