Personal insurance in Romania in the context of EU integration

An essential aspect in life and human evolution, since ancient times was the concern for the future, fear combined with caution and wisdom certainly accomplished something. People have come together to face the consequences of accidents.
Thus, merchants of antiquity practiced forms of protection to cover damage caused during the transport of goods. For example, in maritime law stipulates that Rodhosului losses caused by discarding a portion of assets in order to save the rest of the load to be borne by all owners of goods loaded on board. And in ancient Rome there were associations based on solidarity that occurred after the damages.
Then, there are elements of a contract of insurance early form of a loan contract in the amount of goods guarantee a long-distance transport, if they do not arrive, the creditor would lose the amount borrowed. This contract expands gradually, there is true even in the early Middle Ages.
We can say, in a way as to ensure appeared with the emergence of human society. We know of two types of economies that have characterized the company over time: exchange savings (achieved with the appropriate elements: exchange markets, money, various instruments) and natural economies, in the absence of these elements, which dates from times long older than the first.
In such a natural economy, we look at the concept of insurance as a form of relief between individuals in society. For example, if a house suffered a devastating fire, that will help community members together to rebuild the house, otherwise they will not get any help in the future. This type of insurance has survived to this day in areas where modern exchange economies have penetrated only superficially (eg in some countries of the former Soviet Union).
Providing financial protection express mainly for people or companies suffered losses due to various risks.
Assurance methods were developed with the existing protection needs at a time for people and their businesses. Such businesses have agreed to use insurance to minimize risks involved in commercial transactions and those relating to heritage protection.

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