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left:948px; top:44px;font-size:17px;color:#FFFFFF;"> <span class="xr_tl Normal_text" style="top: -15px;font-size:17px;color:#FFFFFF;"><span id="LiveCopy:58Set15"></span><a href="contact.htm" onclick="return(xr_nn());" onmousemove="xr_mo(this,0)" >Contact</a></span> </div> <img class="xr_ap" src="index_htm_files/328.jpg" alt="" id="LiveCopy:58Set17" title="" style="left: 1062px; top: 102px; width: 42px; height: 43px;"/> <img class="xr_ap" src="index_htm_files/329.jpg" alt="" id="LiveCopy:58Set16" title="" style="left: 1062px; top: 60px; width: 42px; height: 43px;"/> <img class="xr_ap" src="index_htm_files/367.png" alt="" id="LiveCopy:58Set35" title="" style="left: 128px; top: 84px; width: 277px; height: 163px;"/> <img class="xr_ap" src="index_htm_files/330.jpg" alt="" title="" style="left: 568px; top: 71px; width: 478px; height: 179px;"/> <img class="xr_ap" src="index_htm_files/331.png" alt="" title="" onmousemove="xr_mp(12,0)" style="left: 849px; top: 751px; width: 125px; height: 124px;"/> <img class="xr_ap" src="index_htm_files/332.png" alt="" title="" onmousemove="xr_mp(9,0)" style="left: 129px; top: 728px; width: 175px; height: 174px;"/> <img class="xr_ap" src="index_htm_files/333.jpg" alt="" title="" style="left: 759px; top: 312px; width: 73px; height: 29px;"/> <img class="xr_ap" src="index_htm_files/334.jpg" alt="" title="" style="left: 947px; top: 447px; width: 100px; height: 44px;"/> <img class="xr_ap" src="index_htm_files/335.jpg" alt="" title="" style="left: 759px; top: 374px; width: 73px; height: 45px;"/> <div class="Normal_text" style="position: absolute; left:369px; top:904px;font-size:21px;color:#000000;"> <span class="xr_tl Normal_text" style="top: -10px;font-size:21px;color:#000000;"><span id="LiveCopy:58Set36"></span><span class="Normal_text" style="font-size:10px;color:#000000;">Copyright © 2012 Casa Asigurarilor Asistent in Brokeraj SRL. All rights reserved</span><span class="Normal_text" style="font-size:11px;color:#000000;">.</span></span> </div> <img class="xr_ap" src="index_htm_files/336.jpg" alt="" title="" style="left: 919px; top: 374px; width: 128px; height: 53px;"/> <img class="xr_ap" src="index_htm_files/337.jpg" alt="" title="" style="left: 975px; top: 307px; width: 72px; height: 51px;"/> <img class="xr_ap" src="index_htm_files/338.jpg" alt="" title="" style="left: 953px; top: 509px; width: 94px; height: 53px;"/> <div class="xr_ap" style="left:778px; top:522px; width:266px; height:267px;"> <object class="xr_swf" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" width="266" height="267"> <param name="movie" value="index_htm_files/banner.swf"/><param name="wmode" value="transparent"/> <object type="application/x-shockwave-flash" data="index_htm_files/banner.swf" width="266" height="267"><param name="wmode" value="transparent" /> <img class="xr_ap" src="index_htm_files/401.png" alt="" style="width:266px; height:267px; left:0px; top:0px;"/> </object></object> </div> <img class="xr_ap" src="index_htm_files/339.jpg" alt="" title="" style="left: 765px; top: 509px; width: 67px; height: 58px;"/> <img class="xr_ap" src="index_htm_files/340.png" alt="" title="" onmousemove="xr_mp(11,0)" style="left: 623px; top: 759px; width: 114px; height: 116px;"/> <img class="xr_ap" src="index_htm_files/341.jpg" alt="" title="" style="left: 759px; top: 447px; width: 73px; height: 28px;"/> <img class="xr_ap" src="index_htm_files/342.png" alt="" title="" onmousemove="xr_mp(10,0)" style="left: 378px; top: 740px; width: 144px; height: 144px;"/> <div class="xr_s0" style="position: absolute; left:83px; top:276px;"> <span class="xr_tl xr_s0" style="top: -12px;">Asigurarea este definită ca fiind operația financiară ce decurge dintr-un contract de asigurare sau dintr-o obligație </span> <span class="xr_tl xr_s0" style="top: 3px;">prevăzută de lege, prin care asigurătorul se obligă ca în schimbul unei sume primite periodic să despăgubească </span> <span class="xr_tl xr_s1" style="top: 17px;"><span class="xr_s0" style="">pe asigurat pentru pierderile pe care acesta le-ar putea suferi în urma unor întâmplări independente de voința lui.</span></span> <span class="xr_tl xr_s1" style="top: 46px;"><span class="xr_s2" style="">Clasificarea asigurărilor</span></span> <span class="xr_tl xr_s1" style="top: 61px;"><span class="xr_s0" style="">A. După domeniul la care se referă</span></span> <span class="xr_tl xr_s0" style="top: 75px;">- Asigurările de bunuri - au ca obiect diferite valori materiale aparținând unor persoane fizice sau juridice, care pot </span> <span class="xr_tl xr_s1" style="top: 90px;"><span class="xr_s0" style="">fi supuse acțiunii unor fenomene naturale sau accidentelor;</span></span> <span class="xr_tl xr_s0" style="top: 104px;">- Asigurările de persoane - au ca obiect persoana fizică în sine, ele încheindu-se pentru diminuare consecințelor </span> <span class="xr_tl xr_s1" style="top: 119px;"><span class="xr_s0" style="">negative cauzate de calamități naturale, accidente sau boli;</span></span> <span class="xr_tl xr_s0" style="top: 133px;">- Asigurările de răspundere civilă - asigurătorul îsi asumă obligația de a plăti despăgubirea pentru prejudiciul adus </span> <span class="xr_tl xr_s1" style="top: 148px;"><span class="xr_s0" style="">de asigurat unor terțe persoane.</span></span> <span class="xr_tl xr_s1" style="top: 177px;"><span class="xr_s0" style="">B. După obiectul de activitate</span></span> <span class="xr_tl xr_s1" style="top: 192px;"><span class="xr_s0" style="">- Asigurări de viață</span></span> <span class="xr_tl xr_s1" style="top: 206px;"><span class="xr_s0" style="">- Asigurări de persoane;</span></span> <span class="xr_tl xr_s1" style="top: 221px;"><span class="xr_s0" style="">- Asigurări de autovehicule;</span></span> <span class="xr_tl xr_s1" style="top: 235px;"><span class="xr_s0" style="">- Asigurări maritime și de transport;</span></span> <span class="xr_tl xr_s1" style="top: 250px;"><span class="xr_s0" style="">- Asigurări de aviație;</span></span> <span class="xr_tl xr_s1" style="top: 264px;"><span class="xr_s0" style="">- Asigurări de incendiu și alte pagube de bunuri;</span></span> <span class="xr_tl xr_s1" style="top: 279px;"><span class="xr_s0" style="">- Asigurări de răspundere civilă</span></span> <span class="xr_tl xr_s1" style="top: 293px;"><span class="xr_s0" style="">- Asigurări de credite și garanții;</span></span> <span class="xr_tl xr_s1" style="top: 308px;"><span class="xr_s0" style="">- Asigurări de pierderi financiare din riscuri asigurate și asigurări agricole.</span></span> <span class="xr_tl xr_s0" style="top: 337px;">1. Asigurările interne au caracteristic faptul că părțile contractante domiciliază (au sediul) în aceeași țară, bunurile, </span> <span class="xr_tl xr_s0" style="top: 351px;">persoanele și răspunderea civilă care fac obiectul lor se află pe teritoriul aceleiași țări iar riscurile asigurate se pot </span> <span class="xr_tl xr_s1" style="top: 366px;"><span class="xr_s0" style="">produce pe același teritoriu;</span></span> <span class="xr_tl xr_s0" style="top: 395px;">2. Asigurările externe au caracteristic faptul că apar în legătură cu persoane sau bunuri care ies în afara limitelor </span> <span class="xr_tl xr_s0" style="top: 409px;">teritoriale ale țării în care se încheie contractul de asigurare ori una din părțile contractante sau beneficiarul </span> <span class="xr_tl xr_s0" style="top: 424px;">asigurării se afla pe teritoriul altei țări.</span> </div> <img class="xr_ap" src="index_htm_files/343.jpg" alt="" title="" style="left: 470px; top: 440px; width: 190px; height: 138px;"/> <div id="xr_xo0"></div> <div id="xr_xd0"></div> <div class="xr_ap" id="xr_xp1" style="left:0; top:0; visibility: hidden; display: none;"> <div class="xr_ap" onmousemove="xr_mpc(1)"> <a href="./index.htm" onclick="return(xr_nn());"> <img class="xr_ap" src="index_htm_files/62.jpg" alt="" id="LiveCopy:58Set18" title="" onmousemove="xr_mo(this,1,event)" style="left: 80px; top: 17px; width: 115px; height: 44px;"/> </a> </div> <div class="Normal_text" style="position: absolute; 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