Open AccessРоль автотранспортного страхования в системе обеспечения финансово-экономической безопасности Российской Федерации
Author(s) -
Elena Aleksandrovna Smirnova,
Илона Булавчик
Publication year - 2019
Publication title -
izvestiâ dalʹnevostočnogo federalʹnogo universiteta. èkonomika i upravlenie
Language(s) - English
Resource type - Journals
eISSN - 2413-9734
pISSN - 2311-2271
DOI - 10.24866/2311-2271/2019-3/178-182
Subject(s) - liability insurance , business , settlement (finance) , insurance policy , payment , actuarial science , general insurance , enforcement , insurance law , key person insurance , bond insurance , auto insurance risk selection , finance , economics , law , political science
Работа посвящена исследованию роли автотранспортного страхования в системе финансово-экономической без- опасности Российской Федерации, а также изучению факторов, влияющих на неё. Проведен анализ основных показателей страхового рынка, предоставлены данные о судебных выплатах автоюристам. При исследовании страхового рынка и рынка автотранспортного страхования были применены методы наблюдения и сбора фактов, при изучении динамики показателей рынка страхования в целом и показателей рынков ОСАГО и КАСКО в частности − метод анализа. Исследование изменения показателей страховых премий и страховых выплат проводилось методом сравнения. The purpose of the research lies in studying the role of the motor insurance in the economic and financial security of the Russian Federation. Hence, the purpose requires exploring the notions of ‘economic and financial security’ and ‘motor insurance’, moni- toring the indices of the motor insurance market as compared to other insurance market indices on average, considering factors and issues with a negative impact on the market of motor insur- ance and analyzing the ratio of payouts on claims under court decisions to such not based on court decisions. The study speci- fies different kinds of motor insurance, i.e. compulsory vehicle owners’ liability insurance, voluntary vehicle owners’ liability insurance, comprehensive cover and international insurance (Green Card). The dynamics of the insurance premiums and settlement payments have been studied over the period from 2014 to 2018, showing a tendency towards shrinking in motor insurance share of the total premiums and payments. Apart from eliciting the negative impact factors, the ways of eliminating them have been offered; the structure of judicial enforcement has also been in focus. The main findings may be summarized as fol- lows: payouts on claims under court decisions prevail over such not based on court decisions and motor insurance is of great significance for the economic and financial security of the Russian Federation.