analyzing the current problems of economic law at the present stage, it is noted that modern economic legislation characterized by drawbacks such as fragmentation, fragmentation, inconsistency, the existence of legal gaps.
Federal Insurance Act as a member of the legal acts for which the statement is true, for economic legislation in general, and for legislation on insurance, in particular.
system of modern insurance legislation is characterized by fragmentation of concepts and definitions, declarative and vague.Today, there is practically no single piece of legislation provides for the uniform legal regulation in the insurance industry, this applies fully and the Law on Insurance in the Russian Federation.
In this article the author considers only a narrow area of national legislation on insurance - insurance law - civil liability insurance for individuals (CDF), which conduct professional activities.The subject of analysis is the key legal concepts and definitions included in the insurance law and applied in a particular form of insurance.This type of insurance is not a completely new phenomenon for civil rights.Certain activities on this path made by the legislator.In particular, the mentioned activities, the conduct of which the implementation of the Insurance Act which sets professional liability insurance.These include: a customs agent, audit activities, notaries, real estate activities.
however, still not determined the order of insurance not subject composition characterized by the emerging legal relations are not developed uniform concept.In particular, there is the definition of civil liability, the insurance object is not defined, it does not reveal the concept of an insured event.
Some points of legislation allow update problems: first - the lack of a single legal act regulating this type;the second - the lack of definition in law CDF persons performing professional duties.
before us has a kind of insurance specifics.In other words, despite the fact that policyholders are protected and it is due to their cash, the main purpose of the CDF advocates the protection of third parties who have suffered losses.
Thus, with respect to this area of insurance can be a definition of civil liability of the person performing professional duties - is the application to it of measures and sanctions (extra charges) in the event of failure to reach an (improper achieve) their results, are intended for a third party: State, organizations, individual.
In theory and practice of insurance is not resolved the question of the subject composition of the insurance contract for this type.The beneficiaries are recognized in such legal relationships injured persons (legal and physical), whose side made an agreement.An analysis of the given statutory provision suggests that the Russian legislators will most likely mean security features associated with the implementation of the citizens of certain types of professional activities.However, international experience shows that the legislation can not be considered contrary to the practice of insurance of legal persons as a form of CDF related exclusively to the provision of professional services.
