Insurance against floods in the US

While in Italy we continue to discuss a compulsory insurance policy against disasters, assumptions that are finding, however, much opposition, in the US this kind of coverage, optional, see already some applications, particularly in the case of floods. The insurance in question, is in fact offered by the public sector within a specific federal plan (NFIP - National Flood Insurance Program). It is a program questioned more than once, because of the burden of costs which it faces, in consideration of the amplitude of hurricanes that periodically afflict the United States, as in the case of Katrina, in 2005. heaviness which has actually caused the financial crisis of the program and also pushed Congress to address the issue, to understand how to cope. In this context it is of course discussed apply to the NFIP logical private insurance, able to go over some obvious flaws in the program.

(In the United States the flood damage are compensated of a public insurance program)

Studies conducted at the parliamentary level, in fact, it's become very clear as to the criteria applied to charging by the NFIP, at least in some cases, see the application of prizes significantly lower than those normally required by sound management. This fact, however, is the consequence of the fact that the NFIP does not reflect the purposes of profit typical of private insurance companies and that in consequence of this a comparison between the tariff policies applied by industries as diverse is entirely improper. 

In practice, the program has been specifically bounded in order to tailor it to local communities and encourage them to implement regulations on the prevention of flood damage so distinguished by the use of incentives designed to make the widest possible participation in the Plan. The main difference between the NFIP and private insurance are not only the rates for discounts and subsidies to assist groups most at risk, but also the cost structure, management is not explicitly oriented financial balance of the budget and the presence a number of regulatory restrictions, such as to bind the management decisions that are taken within the program. 

A choice on the model of the National Flood Insurance Program in our country, could actually be a good wayto tackle the problem posed by the repeated natural disasters that strike cyclically on our country, and which find fertile ground to do damage due to instability hydrogeological which no government has ever thought to deal seriously, preferring to favor the logic emergency. A choice that hand has been disastrous for the public purse, so much so that the government, on release to that effect, leaving a real legal vacuum that would be filled now with a mandatory insurance, in front of which the same companies insurance showed great coolness.

Rc car, risk certificate also through Facebook and Whatsapp

Social media have now gained importance increasingly important in the modern world, even forcing the business world to take note of a disruptive phenomenon, which is rapidly changing in depth even the habits of consumers. The insurance companies do not escape to the rule of course, watching with increasing attention in particular to Facebook and Twitter, as well as an app like Whatsapp, in turn becoming more widespread.

The risk certificate you can have with media partner

The last news about it is that relating to the certificate of risk for insurance, which is about to become available via Twitter, Facebook and Whatsapp. E 'was Antonio De Pascalis, the head of the Constabulary studies Ivass, the authority which oversees the insurance market, remember how this option will become available to users as of June 1.

(The risk certificate can now be delivered also through Facebook and WhatsApp)

The document, which shows the number of claims reported in the last five years by those who proceeded to the signing of an insurance Rc Cars, will naturally continue to be available mainly on the company's website, as well as being delivered in hard copy to who will make a request to their company. At the same time, it will add an additional mode of transmission chosen from those proposed dall'Ivass, or email, or an app for smartphones and social networks.

A choice of all logic

The choice of Ivass can be considered an outgrowth of the times, given that now there are few who do not interact on the web and especially the younger ones, the most active part of the population, one that should be loyal, they use almost every day technology such as smartphone, and social media. A finding that pushes aside a keen eye to Facebook in particular, because of its characteristics, which make it a perfect tool for services such as that proposed dall'Ivass

Reversed the burden of proof

For its part, the general manager of Ania, Dario Focarelli, added another important change, assolutametne fundamental, that concerning the reversal of the burden of proof. If in fact the first, in the case of non-delivery of the risk the contractor could even risk the maximum penalty on the class about, now, where it appears in the database as its insurance situation can produce a form that must be accepted by enterprises, it may be responsible for verifying compliance to the truth.

Also fights to free policies with makeup

Another change concerns the decision by Ivass to take action against the policies free but with makeup, that is, those that are granted free of charge for one year to purchase a new car, but being deprived of any kind of rights and benefits guaranteed by law Bersani. Denominated contracts owl, now those who have subscribed will be compensated, at least for the approximately 13 thousand consumers that they did in 2014, without knowing that the renewal could not benefit from the facilities provided for by law, such as access to risk class more favorably of their family living together. It is a value in terms of insurance premiums by about 6 million euro, which will now be compensated by the companies with which they were entered.