Destekten yoksunluk ve maddi tazminat hesabı
Başlık çevirisi mevcut değil.
- Tez No: 71793
- Danışmanlar: YRD. DOÇ. DR. ŞEVKİ KAYLAV
- Tez Türü: Yüksek Lisans
- Konular: Sigortacılık, Insurance
- Anahtar Kelimeler: Belirtilmemiş.
- Yıl: 1998
- Dil: Türkçe
- Üniversite: Marmara Üniversitesi
- Enstitü: Bankacılık ve Sigortacılık Enstitüsü
- Ana Bilim Dalı: Sigortacılık Ana Bilim Dalı
- Bilim Dalı: Belirtilmemiş.
- Sayfa Sayısı: 72
Özet
Özet yok.
Özet (Çeviri)
SUMMARY The technological improvements and the new life of our century has caused the mankind to become alien to his own body.During this period.we can see the increasing efficiency of the machine/robot technology. Shortly.the human life style and the cultural values are changing rapidly.Due to this.the facts covered by insurance are changing and increasing. In the insurance sector thre is an increasing need for dynamic people with high capacity and knowledge. The subject of this thesis is calculation of death indemnity which grants the relatives of a person killed in an accident caused by the third party as our legal systems do not grant the relatives of a person killed in an accident damages for emotional pain and suffering but only allows compensation to the relatives deceased to whom he was supporting prior to his death. First, let us take the risk factor that causes loss or death. Risk is defined as the case of physical loss or death of someone with out his own will.as a result of a sudden and unexpected event. As a result of risk.on of the parties discovers loss and the other party causes loss.Because of this.the law maker has to investigate the loss and then define the parties who are responsible for the loss. In case a person is killed in an accident for which the third party is responsible and libilible for the cause of the cause of the accident damage then the following factors must be determined for the calculation of the compensation. The age and family status of the deceased. 61Which persons were supported by the deceased prior to his death ( reletionship.age ). What was the prefession and income of the deceased. What payments (support ) will be provided by other insurance organizations.person.etc ? Cost of burial. Shortly.the factors forming the material indemnity.can be said as the person acting.the one who discovers loss and reasons arising from the characteristics of the act. When a person sustains loss by reason of a event.a case occurs which can be described as ' lack of support ' There are two types of support.actual support and hypothetical support. In the case of death.actual support is defined as where the deceased person is taking care of the people till the time of his death and probably will be responsible in the coming years. As for hypothetical support.the person is not responsible till his death, but will take the responsibility later on. After establishing the one who needs support.the next thing needed for calculation of indemnity is the deceased persons income.When we think of the family.When he dies.and if we suppose he has no children.the wife will get only the half of the income. The share that the wife will get can show variety but in anyway it can ngt below 30%. 62If the family has children.the fixed expenses will be charged for the parents.The distribution will be justice.if 10% of personal income is taken by decreasing 5% from the parents share for each child. After the distribution.some factors changing the value of the material indemnity like the remarriage of the widow.the distribution of income in case of remarriage and the probability of earning money of the widow might arise. After the factors explained above.we can estimate the material indemnity. In calculatingthe income loss we take the following formula : Sn: Yearly Average Income Loss i : Interest Rate N : Number of Payment Value of cash capital Generally, 10% increase in income and yearly fixed income in this period is 1, (1+0.10), (1+0.10)2,, (1+0.10) n- By calculating the present value of this geometric series.we will be estimating the present value of capital. The formula of the present value of the income is as follows: Dx+(l+i)Dx+1+(l+i)2Dx+2+.+(l+i)-1Dx+n“ Dx then, 63Dx=lxVx Dx+ı = lx+i Vx+1 Dx+n-1 = 'x + n-1 V (1+i) V, (1+i) 2 V2, (1+i) 3V3(1+i) n”1 Vn“1 will cancel each other 1 VI V* + l Vx+ +1 V Jx V *x+l v ^1x+2v ^..../rxx+n-l V ax:n - j yx =”£ m=0 ax:n £j*x+m w w x+mm=0m=nax:n - i K +K+1 +K+2+.+1WB+....1W »x+n +ix+n+1+iw a»“ 1. 1 x The left side of this eguation to ex+i, and if we multiply the right side by '?x *x+n ^x+n *x 64 r”/ ?«*x+n +ix+n+l+-“--+1w *x 'x+n *x+n'”“~”w 'x+n then, 1 1 1 x+n * > 1. npx=- *x+n ~t~'x+n+l“*~.”*“'» _, x+n+1 ax:n = (ex+i) - npx (ex+n+i) we will estimate, by taking the, ex=ex-0.50 equation into consideration and taking the value of ex - 0.50 ; we will get the ax:n = (ex + 0.50) - npx (ex+n+0.50) result. The temporary or long term loss of work is in question when calculating the material indemnity.for it is important to calculate the expected life period. The mortality table has to be formed in order to make the calculation above.Mortality table shows the decrease due to death.by taking the people born at the same date.lt estimates the percentage of death risk at every age of the 65population observed and it lasts till the last person of the population observed and it lasts person of the population dies. Thre are factors such as age,gender,health,marital status and career etc.effecting the mortality and causing different results. It is important to form the mortality table in accordance with the countries statistics regarding population.We are able to set the time period of the person works in his whole life or the expected life period by using the mortality table. Beside the mortality table/activity rulers' can also be used.Unfortunately.the activity rulers which include the population working at the same job and are subject to similar risks.are not common in our country. In practice, French Mortality Table which was formed in 1931 is used.But.by taking into consideration the changing time and conditions.the up-to- dateness of the table is open to discussion.The Turkish Mortality Table including present conditions of our society has to be formed. When calculating Support indemnity.present value of payment is taken into consideration. In this case.the claimer sustains a loss due to early payment and the claiment who was supposed to be receiving the payment in a certain period of time will be paid at once.and as a result of this a position in favour of the claiment arises. The supreme court of appeal accepts the capitalisation of income;the calculation of payment which is done by deducting the present value capital from gross loss incurred.Usually.a 10% discount is applied. Different formulas are used to set the present value of payment because of the reason of different experts being appointed.Where as in Switzerland.standardised activity rulers are used by the judge in order to calculate the present value of payment. 66 T.C.T0SS1KÖ?RETİMKDRIM *£* ”.«* /v't- *~'A *> ft * **^ /** ?.Jt, ANTASYC* WE u.TOBiywf ** ' «y J «r, MJKATJlA^i ',.' ?wnjajn&u j " -, j
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