– (Art. 1006) The insurance contract is written evidence, by the policy. But others are admitted evidence, provided there is written proof principle. a Legislation aplicableo Commercial Code-> common law of insurance Insurance Act No. 1883rd SOAT Supreme Decree No. 25785th Regulation of collective security. – Resolution 172 of April 16, 2001.
Eg Teachers Insurance for a Mass Marketing Insurance Universidado. – Administrative resolution of July 19, 2000 amended 2001. SOAT eg principle of mutuality. – Insurance contracts are necessarily governed by the principle of mutuality, this means that the insurance contract is negotiated between the community of interest between the insured and the insurer. a This creates a mutual benefit theory, which originates from a legal business of a private nature, but with impact of public policy, requiring that the state protects the interests of this community of insured. a In itself, the principle of mutuality provides mutual benefits between the two sides of the insurance contract in which the development and increased profits (liability insurance, and reduced premiums) focuses on attracting more customers or policyholders to get well, largest reserves in premiums, which all of them bear the risks insured community.
A is clearly established that all insured loss of all pay, and the insurance company pays nothing. Only community regulate this risk, for insured benefits, such capital investing technical reserves of premiums on safe investments offering you the law of insurance, state Ex buying debts or bonds. This will allow the investment to protect the community of insured persons and their interests.
McKinsey & Co. analyzed more than one hundred M & A large-sized globally produced during the nineties, obtaining conclusions represent a harsh reality: a five years of these procurement processes, 60% had not yet produced returns above the cost of capital to finance the purchase. The main causes were found, inter alia, problems of cultural integration, overestimation of synergies and projections overly optimistic. Likewise, another of the “Big Five” consulting, Accenture, in its study “Integration Strategy Board Coporate Performance Survey 2006, ranked cultural integration as the most influential factor in a successful integration, with 32% of the total, followed by a clear organizational structure with 31%. Another study, entitled “M & A after Borders: Opportunities and Risks” held in March 2008 by Marsh, Mercer and Kroll and Economist Intelligence Unit, 50% attributed to cultural differences in the organization when carrying out a takeover or merger.