Seguro de responsabilidade civil

Abstract

Since of the beginning of the civilization, the man perceived that in group was less laborious to support the suffered loss. Insurance was created by human s need as a form to reduce individual damages. Further on, insurance has had a great development. Insurance Companies have been specializing themselves in mathematical expertise in order to know, with precision, the amount of accidentes will happen in the futur with a group exposed to the same risks. Insurance has a communitarian character meaning so Insurance Companies manage a common fund in which each individual insured contributes with a pre-determined amount that enable those Companies to garante the economics consequences from these same risks. Nowadays, we have a huge development of insurance´s contracts related to insurance liabilities. The finality of the liability insurance is either to protect the insured s patrimony for the eventual debts of responsibility that it can be imputed and, at the same time, to garante repairing of the damages caused to the victims. If before these category of contracts was considered as illegal, due to its refusal to celebrate contract to cover the financial consequences of the attributed responsibility to somebody, in the present time, this contract appears as the capable way to provide reparation to make possible the effective compensation of the damages to the victims. The civil liability insurance and the institute of civil liability have narrow connection, one stimulating the development of the other, because that is what it makes possible for this to reach its real purpose