Historical, Philosophical, Political and Law Sciences, Culturology and Study of Art. Issues of Theory and Practice. Tambov: Gramota, 2015. № 10. Part 3. P. 171-174.
Sarach Alina Nikolaevna Kuban State Agrarian University
Abstract. The article examines approaches to defining insured sum and its role in property and personal insurance. The author explores the influence of insured sum amount on determining the amount of insurance payout and the correlation of insured sum with insured value. The paper identifies the peculiarities of insured sum concerning property and personal insurance, analyzes the current legislation regulating the issues regarding insured sum. The practice of applying the current legislation in this sphere is under analysis. On the basis of the conducted research the author discovers the lacunas of the current legislation and the provisions, which should be changed.
Key words and phrases: страховая сумма, страховая стоимость, убытки, страховая выплата, имущественное страхование, личное страхование, insured sum, insured value, damages, insurance payout, property insurance, personal insurance.
Open the whole article in PDF format. Free PDF-files viewer can be downloaded here.
References:
Grazhdanskii kodeks Rossiiskoi Federatsii (chast' vtoraya): Federal'nyi zakon ot 26.01.1996 g. № 14-FZ (v red. ot 29.06.2015 g. № 210-FZ) // Sobranie zakonodatel'stva Rossiiskoi Federatsii (SZRF). 1996. № 5. St. 410, 411; 2015. № 27. St. 4001.
Informatsionnoe pis'mo Prezidiuma VAS RF ot 28.11.2003 g. № 75 [Elektronnyi resurs]. Dostup iz SPS "Konsul'tantPlyus".
Kommentarii k Grazhdanskomu kodeksu Rossiiskoi Federatsii. Chast' vtoraya [Elektronnyi resurs]: uchebno-prakticheskii kommentarii / pod red. A. P. Sergeeva. Dostup iz SPS "Konsul'tantPlyus".
Ob obyazatel'nom strakhovanii grazhdanskoi otvetstvennosti vladel'tsev transportnykh sredstv: Federal'nyi zakon ot 25.04.2002 g. № 40-FZ (v red. ot 04.11.2014 g. № 344-FZ) // SZRF. 2002. № 18. St. 1720; 2014. № 45. St. 6154.
Ob organizatsii strakhovogo dela v Rossiiskoi Federatsii: Zakon RF ot 27.11.1992 g. № 4015-1 (v red. Federal'nogo zakona ot 29.06.2015 g. № 210-FZ) // Vedomosti SND i VS RF. 1993. № 2. St. 56; SZRF. 2015. № 27. St. 4001.
Opredelenie Samarskogo oblastnogo suda ot 08.12.2011 g. po delu № 33-12882/2011 [Elektronnyi resurs]. Dostup iz SPS "Konsul'tantPlyus".
Khudyakov A. I. Teoriya strakhovaniya. M.: Statut, 2010. 656 c.