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Americký pojistný trh a rostoucí vliv spolujízd na pojištění automobilů.
Feshchenko, Anna ; Ducháčková, Eva (advisor) ; Vohralík, Michal (referee)
This bachelor thesis discusses the United States Insurance Industry, concentrates on automobile insurance, and shows the impact of ridesharing on it, in form of transportation network companies(TNC). The theoretical part of this paper clarifies the characteristics, structure, and purpose of American insurance regulation, and also describes components of private passenger automobile insurance. As a case study for this paper, an analysis of Uber services is provided, and a breakdown of its commercial insurance is given to look for and discuss gray areas of the coverage and evaluate why they occur. This paper also gives a comparison of California state regulations for transportation network companies with Uber's commercial policy in order to find who is responsible for deficiencies in coverage during the rideshare and what is comprehensive in terms of coverage for rideshare drivers.
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Insurance fraud in car insurance in the Czech republic
Krop, Filip ; Radová, Jarmila (advisor) ; Hanzlík, Karel (referee)
The diploma thesis concerns an instance fraud issue focused on fraud related to car insurance. The aim of the work is to analyze the fight of insurance companies against frauds, the activities which are set up to prevent the occurrence of the infringement and the acts companies do in order to prevent or reduce the damage already done. Furthermore, the effects of these actions to clients are formulated and in the end the work gives suggestions on how to improve the efficiency of the fight against insurance fraud.
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Innovation in the construction of the car insurance in the Czech Republic
Kindermann, Ota ; Ducháčková, Eva (advisor) ; Hanzlík, Karel (referee)
The car insurance presents important segment for the insurance companies on the financial market. The main products of car insurance are car liability insurance (third party personal insurance) and damage car insurance. The main aim of this thesis is to analyse and describe the innovation of the car liability insurance in the Czech Republic. The thesis is divided into five main chapters. The first part of the thesis is focused on the products associated with the car insurance. The main part of this thesis provides car liability insurance (third party personal insurance) and damage insurance considering their construction. The fourth chapter deals with the present products of the car insurance and the last chapter describes the current situation of the car insurance in the Czech Republic.
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Car insurance from the perspective of broker
Režný, Filip ; Ducháčková, Eva (advisor) ; Hanzlík, Karel (referee)
This bachelor's thesis demonstrates work of insurance broker as a professional consultant in the issue of insurance for corporate sector. The aim of the thesis is to analyze current state on the Czech car insurance market in situation when insurance companies and insurance brokers have got more obligations than before. In the first part of the text I define theoretical basis of car insurance and describe two of its main products. The next part is dedicated to insurance brokers and likely legislative changes which regulate their activities. The last part consists of detailed analysis of fleet insurance offered by seven largest insurance companies operating on the Czech market. In conclusion, I summarize analyzed findings by description of a trend in development of the car insurance. In my bachelor thesis I fully utilized acquired knowledge from cooperation with Pojišťovací makléřství BOHEMIA, a.s.
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Settlement of claims within car insurance
Urbánek, Zdeněk ; Ducháčková, Eva (advisor)
This bachelor thesis deals with the settlement of claims within car insurance. In particular, it is the claims management of insurance products - liability insurance for damage caused by operation of a vehicle and accidental insurance. The introductory part of the thesis is implementing the basic definition of these products and products related. I considered it necessary to define the person of loss adjuster, who is an important figure in the process of liquidation of an insured event. In addition to the formal definition of loss adjuster I keep the work in recording of his duties and procedures in the course of his activities. The subsequent part of the process of liquidation of an insured event - the liquidation of damages to health and property are at the heart of this work. The thesis also deals with differences in claims handling from liability insurance and accidental insurance particularly clear in the different treatment of the amount of the payment of insurance benefits. At the end of the work are given illustrative examples of some problems during the liquidation of an insured event that may arise.
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