Civilinės atsakomybės draudimas: interesų derinimo problemos.

Abstract

Voluntary liability insurance, which is being implemented at the moment doesn’t ensure legitimate property interests of the insured and the aggrieved party. Present laws don’t provide the concept of the liability insurance contract and don’t indicate minimal requirements for such insurance contracts. As a result it forms basis for misconception of the liability insurance purpose, nature of the contract and its goals. Evaluating unequal position of the insurer and the insured as parties of an agreement it is important to determine principal criteria that would be obligatory when concluding liability contracts. These criteria would help to ensure balance of legitimate interests of the aggrieved party and the insurer.