It should be remembered and the next required that the insurance element - the uncertainty. It means not just in an accident, but a situation where a disaster happens. In this case, the insurance fund payment of the contribution (premium) is not returning. Thus, the insurance premium tax is a kind of for the guarantee to the insured in case of emergency will be given the financial compensation (insurance allowance). Similar to the custody case - if the asset custody not stolen it property owner will not require the custodian to return custody fee. Only insurance premiums case is somewhat complicated, because the main portion of the fee paid to the said fund, from which…

     Each person or organization is able to deal with misfortune or bad luck - an accident the car is damaged or injured person in the workplace resulting injury, fire house burns down, the cargo is not delivered on time, the debtor refuses to repay the debt (the debtor is lost) and etc. However, most disasters is unpredictable, its occurrence is only likely in the foreseeable indeterminate. Thus, there is a disaster accident risk. One type of risk we can tolerate, but other will be happy to avoid. With an unacceptable risk can be addressed by eliminating a source of risk (that the car is not stolen, you can acquire it), to improve the ways and means…