Legal aspects of the application of insurance tariffs in CTP
- Authors: Duvanov N.Y.1, Pence E.A.1
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Affiliations:
- Plekhanov Russian University of Economics
- Issue: Vol 18, No 3 (2025)
- Pages: 128-135
- Section: Private Law (Civil) Sciences
- URL: https://journals.eco-vector.com/2072-3164/article/view/687938
- EDN: https://elibrary.ru/NWYCDH
- ID: 687938
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Abstract
This study aims to analyze the legal basis for the use of tariff coefficients in CTP, assess their legality and validity, as well as identify possible problems and ways to solve them. The research examines scientific papers, as well as regulations governing the application of tariff coefficients in CTP.
The paper analyzes the relationship between the powers of insurance companies, whose goal is to maximize profits and minimize costs, and the rights of policyholders, for whom objectivity and fairness are important in determining the amount of the insurance premium based on the available history of vehicle operation, insurance history and other factors.
In conclusion, the paper provides ways to resolve conflicts of interests, on the one hand, between professional participants in the insurance market, insurers, and on the other hand, potential policyholders who are less protected.
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About the authors
Nikolay Yu. Duvanov
Plekhanov Russian University of Economics
Author for correspondence.
Email: Duvanov.NY@rea.ru
ORCID iD: 0000-0003-2411-0063
SPIN-code: 2779-4319
Cand. Sci. (Law), Associate Professor of the Department of Civil Law Disciplines
Russian Federation, MoscowEldar A. Pence
Plekhanov Russian University of Economics
Email: psgrupp78@gmail.com
SPIN-code: 6224-8096
postgraduate student of the Department of Civil Law Disciplines
Russian Federation, MoscowReferences
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