Insurance iwu: obodo liability insurance nke echiche nke mmadụ na-ọkachamara ọrụ

Ịtụle ihe ndị dị ugbu a nsogbu nke azụmahịa iwu n'oge ugbu ogbo, ọ na-ahụ kwuru na oge a na aku na uba na iwu ji ndọghachi azụ dị ka fragmentation, fragmentation, inconsistency, ịdị adị nke iwu gaps.

Federal iwu na mkpuchi dị ka onye so na iwu omume n'ihi na nke a na nkwupụta bụ eziokwu, n'ihi na aku na uba iwu ka a dum, na maka mkpuchi akpan akpan iwu.

The usoro nke oge a na mkpuchi iwu e ji fragmentation nke echiche na nkọwa, declarative na unspecific. Taa, ọ fọrọ nke nta nweghị otu mpempe iwu na-enye maka edo iwu iwu na mkpuchi ụlọ ọrụ, a na-emetụta n'ụzọ zuru ezu ma Iwu na Insurance na Russian Federation.

N'isiokwu a na-ede akwụkwọ na-ewere naanị a warara ebe nke mba iwu na mkpuchi - insurance iwu - obodo liability mkpuchi maka ndị mmadụ n'otu n'otu (CDF), nke na-eduzi ọrụ na-eme. The isiokwu nke analysis bụ isi iwu echiche na nkọwa gụnyere insurance iwu na etinyere na a akpan akpan ụdị mkpuchi. Nke a na ụdị mkpuchi bụ bụghị a kpam kpam ọhụrụ onu maka ruuru. Ụfọdụ eme ihe n'ụzọ a mere site omeiwu. Karịsịa, e kwuru na-eme, na omume nke nke mmejuputa nke Insurance Act esetịpụrụ ọkachamara liability mkpuchi. Ndị a gụnyere: na-eme nke omenala gị n'ụlọnga, oditi eme, notaries, ezigbo ala na-eme.

Otú ọ dị, ka na-adịghị kpebisie ike iji nke mkpuchi na-adịghị ji nke onye Ọdịdị ịda iwu mmekọahụ na-mepụtara edo echiche. Karịsịa, e nwere bụ a definition nke obodo liability na-adịghị kpebisie ike ihe mkpuchi, ekwughị echiche nke ihe insured omume.

Ụfọdụ ihe ndị iwu na-enye ohere ka actualize nsogbu: mbụ - na enweghị a otu iwu kwadoro inye iwu nke a ụdị; nke abụọ - enweghị definition na omebe iwu larịị CDF mmadụ na-arụ ọrụ na-arụ.

The nke tupu anyị nwere ụdị insurance kpọmkwem. Na ndị ọzọ okwu, n'agbanyeghị eziokwu na policyholders na-echebe ma na ọ bụ na-efu nke ha ego, isi nzube nke CDF-ekwu ná nkwado nchedo ọzọ ndị taworo ahụhụ losses.

N'ihi ya, na-akwanyere a na ubi nke insurance, ị nwere ike ichepụta a definition: obodo liability nke onye na-eme ndị ọkachamara ọrụ - bụ ngwa na ya nke jikoro na n'obodo (mmezi ebubo) na ihe banyere ọdịda ruo (ezighị ezi nweta) ha results, na-bu n'obi a ọzọ: ala nzukọ , onye ahụ.

Na Ozizi na omume nke insurance anaghị kpebiri ajụjụ nke isiokwu mejupụtara nke mkpuchi nkwekọrịta nke ụdị. The bara uru na-ghọtara na ndị dị otú ahụ iwu mmekọahụ na-emetụta mmadụ (iwu na anụ ahụ), onye n'akụkụ kwekọrịtara. N'ihi na etinyere a omebe iwu ndokwa-atụ aro na Russian omeiwu ga-abụ na pụtara nchebe atụmatụ metụtara na mmejuputa iwu-nke ụmụ amaala nke ụdị ụfọdụ nke ọkachamara na-eme. Otú ọ dị, mba ahụmahụ na-egosi na iwu ike-atụle megidere omume nke insurance nke iwu mmadụ dị ka otu ụdị nke CDF metụtara nanị ndokwa nke ọkachamara ọrụ.