Regression and Subrogation in CMTPL Contracts

The article examines the key aspects of institutions of subrogation and recourse in the framework of compulsory motor liability insurance (CMTPL) in Russia. The legal mechanisms governing these institutions, as well as their differences and similarities, are discussed. Special attention is paid to the legal nature of regression and subrogation, their role in the distribution of responsibility between participants in insurance relations and the problems associated with insufficient regulation of these concepts in Russian legislation. The paper also analyzes foreign experience, emphasizing the need for legislative changes to eliminate legal uncertainty and protect the interests of subjects of insurance legal relations. Considering the identified problems, it is proposed to amend the legislation in order to eliminate legal uncertainty and protect the interests of all participants in insurance relations, which will provide a clearer framework for the application of the mechanism of subrogation and recourse in Russia.