Concept and types of liability insurance for causing damage

Subject of the study. This study is devoted to the comparative legal analysis of the concept and types of liability insurance for causing harm. Particularly relevant is the analysis of foreign legislation that enshrines the concept of liability insurance for causing harm. The purpose of this type of insurance is to protect the interests, first of all, of victims, as it is thanks to the insurance fund that they are guaranteed compensation for the damage caused. Especially significant is the huge scope of such contracts due to the unlimited number of possible cases of causing harm. In this regard, the relevance of the study is obvious. Purpose of the article. The aim of the study is to identify the full concept of liability insurance for causing harm and to substantiate the compulsory type of liability insurance for causing harm for medical workers. These conclusions can be a foundation for the improvement of both legislation and law enforcement practice. Methods and methodology. The following methods were used in the research: general scientific dialectical, universal scientific methods, comparative-legal, method of system interpretation, method of legal modelling. Main scientific results. The main scientific result of the study is the conclusion that it is necessary to enshrine a separate concept of liability insurance for causing harm. This conclusion will allow to fix the guarantee and protection of the interests of the insured, the cause of harm, whose civil liability is insured and the victim, beneficiary. Argued the importance of two forms of insurance of liability for causing harm: voluntary and compulsory. A scientific conclusion is made by conducting a comparative analysis of the legislation of Russia and foreign countries, and problems in judicial practice, about the need to introduce compulsory insurance of liability for causing harm to medical workers in our country. This would ensure the interests of all participants of legal relations in the field of liability insurance for causing harm and would raise the standard of living in our country as a whole. Conclusions about the achievement of the research objective. Thus, it can be stated that the purpose of the publication has been achieved. The author's concept of liability insurance for causing harm is proposed and the necessity of fixing compulsory insurance of liability for causing harm to medical workers in Russia is substantiated. These conclusions are aimed at improving civil legislation, which can be used for the preservation and effective use of the institute of liability insurance for causing harm in general. The author declares no conflicts of interests.

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