What distinguishes a voluntary insurance compulsory?

Insurance is an effective tool for protecting people and property from various hazards. Thanks to him, people can reduce their risks, and in case of trouble - to get to them commensurate financial compensation. However, citizens do not seek to insure everything that belongs to them, they choose the most valuable items, the most expensive of which is often far from health and car. The rest being insured markedly less so because of the small savings people are incurring significant losses. Its contribution to making insurance and the state, which sees the obvious benefits of financial protection of their citizens. Using legislative instruments, the authorities require its departments and citizens to insure certain spheres of life. Thus, the state apparatus develops system security risks and significant savings on payments to victims. Currently, the state has established several types of mandatory insurance: passengers on various modes of transport, social, national insurance personnel, compulsory health insurance and insurance avtootvetstvennosti. Also in this group may include deposit insurance system (in case of bankruptcy of the bank depositor to obtain adequate compensation in the range of 700 thousand rubles).. In all these cases, the contractual relationship between the insurer and the insured arising by operation of law. Much wider range of voluntary insurance. It includes: life insurance and health protection when traveling abroad, insurance, real estate and vehicles, additional medical insurance, pension insurance, insurance products and any valuable property, insurance, animal insurance, liability insurance, etc. In all these cases, the rights and obligations of the parties arising under the contract entered into on a voluntary basis. Summarizing all the above was written, we can say that voluntary insurance is different from the necessary fact that the mandatory can not be waived due to the fact that it is enshrined in law. Due to this interference from above, life and property become more secure.