Legal Status of Insurance Commissioners in Russia
Relevance. Domestic vehicle insurance largely does not meet the world standards of the insurance industry. Russia was not ready to enter into such insurance relations with large foreign insurance companies on an equal footing. The formation and development of Russian auto insurance, corresponding to modern realities, is impossible without a developed system of its participants. Therefore, the introduction of the Institute of Emergency Commissioners in insurance can bring it to a new level of its development. A understanding of the importance of the emergency commissioner in insurance will lead to the peaceful settlement of most transport insurance disputes. Nevertheless, the lack of proper legislative consolidation contributed to the fact that the Emergency Commissioner in Russia does not have the terms of reference that he should have according to world standards. Nor is there a unified approach to the qualification requirements and skills of this subject of insurance. The purpose of the article is a study of the concept and role of insurance commissioners, as well as a justification for the need for legal regulation of this intermediary in domestic insurance. Tasks. Review and analyze the legal status of the insurance commissioner as an independent participant in insurance relations. Identify the main problems of legal regulation of insurance commissioners in Russia. To define the totality and limits of the powers of insurance commissioners, as well as to establish the peculiarities of their liability. Metodology. The author used both popular scientific methods of research and special methods of knowledge. In particular, common scientific methods include analysis and synthesis. Special methods of knowledge were comparative-legal and legalistic methods. The results of the study allow to highlight the insurance commissioner among other participants of insurance relations, empowered to determine the true reasons for the occurrence of the insurance event in auto insurance contracts. Conclusion. The author concludes in his study that the insurance commissioner is an insurance consultant or a representative of the insurer in auto insurance contracts. However, his role in insurance is not unambiguous because of its limitations and misinterpretation of its purpose. On the basis of the conclusions received, the author of the article justifies some of proposals to introduce some amendments to the current insurance legislation and expand the scope of powers of insurance commissioners.