a reproach of loss in insurance

insurance is one kind of uncertain contract. it is possiblethat insurance located as another form and title but it is noone of them and it is independent contract. extension ofloss in process of insurance is possible (like othercontract) because the rate of insurance may be more lessthan the installments and payment of insurance or it maybe less that whole of it. possibility of loss in insurance isin three case including; firstly ignorance of substitute andreturn. (casing loss or not and premium from the side ofinsurer). secondly ignorance of quality of substitute (rateand kind of possible loss). thirdly no ability of submission(the lack of insurer for paying the payment). certainty ofthis loss in insurance contract is not clear and provedbecause the possibility of accident during of contraction ispossible and reasonable and uncertain. in the commonway it is true too. permission of right purchase is the goodreason for lack of loss in the contraction of insurance.regarding to this fact that payment be certain forcompensation of loss it is true that the contraction hasbeen done in present and before of compensation.