Legal aspects of the application of insurance tariffs in CTP
- 作者: Duvanov N.Y.1, Pence E.A.1
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隶属关系:
- Plekhanov Russian University of Economics
- 期: 卷 18, 编号 3 (2025)
- 页面: 128-135
- 栏目: 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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详细
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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作者简介
Nikolay Duvanov
Plekhanov Russian University of Economics
编辑信件的主要联系方式.
Email: Duvanov.NY@rea.ru
ORCID iD: 0000-0003-2411-0063
SPIN 代码: 2779-4319
Cand. Sci. (Law), Associate Professor of the Department of Civil Law Disciplines
俄罗斯联邦, MoscowEldar Pence
Plekhanov Russian University of Economics
Email: psgrupp78@gmail.com
SPIN 代码: 6224-8096
postgraduate student of the Department of Civil Law Disciplines
俄罗斯联邦, Moscow参考
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- Kalashnikova Ya. Yu. Actual problems of legal regulation of institute of insurance in the Russian Federation. Electronic scientific journal "Science. Society. State". 2017. Vol. 5. No. 3. Pp. 39–44. (in Rus.).
- Maslova A.I., Pashentsev D.A. Legal bases of compulsory liability insurance of owners of vehicles. Education and Law. 2014. No. 1–2. Pp. 191–198. (in Rus.).
- Ulyanova A.Y. The relevance of using the coefficient of age and length of service in the calculation of CTP. Economics and Society. 2017. No. 1–2 (32). Pp. 815–818. (in Rus.).
- Tsyganov A.A., Baskakov V.N., Yazykov A.D., Sheparnev N.V., Yanenko E.A., Grysenkova Yu. V. The impact of the bonusmalus system on the insurance ratemaking in the system of compulsory insurance of the responsibility of transport owners in Russia. Applied Econometrics. 2019. Vol. 56. Pp. 123–141. (in Rus.).
- Tsyganov A.A., Yazykov A.D., Yanenko E.A., Gryzenkova Yu. V. Interpreting the change of the age and experience coefficient in motor third-party liability insurance. Finance: Theory and Practice. 2020. No. 24 (4). Pp. 31–46. (in Rus.).
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