Affective value of things and property insurance

Abstract

Determining the amount of compensation
according to the value that this subject has for the
damaged party, if it was damaged or destroyed by
an intentional criminal act is based on 189(4) of the
Law on Obligations. This represents one of the key
exceptions from the general rule based on the objective
understanding the civil culpability in our tort law.
Although it enjoys a long tradition, its interpretation
and application creates a series of dilemmas in the
legal doctrine and practice of domestic courts. Among
them, the key question is whether it is about a special
base for measuring compensation for non-patrimonial
damage or it is basis for special pretium affectionis as
a way of measuring the amount of compensation
for patrimonial damage, which carries a subjective
connotation. Only a few scientific works in our doctrine
of tort law have been devoted to this issue in fragments.
Moreover, these problems have not been observed in
the context of property insurance yet. Thus, the author
tries to examine the ability of insurance the market to
meet the needs of special user requests, when it comes
the need to insure from theft and robbery not only
valuable and rare things that has cultural and historical
importance and collectibles, but also subjects to which
the owners are particularly emotionally attached such
as pet, personal correspondence, letters, and awards for
various achievements or family photos.

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Afekciona vrednost stvari i osiguranje imovine