3.8.

3.8.
, . : - . : . : .
: . . . , , , .
: , , , , , , .
LEGAL FIELD OF ACTIVITY OF INSURANCE BROKERS
Toguzova Marina Borisovna, competitor. Place of study: North-Ossetian State University. Position: lecturer. Place of employment: North-Caucasian Institute of Arts.
Annotation: For correct understanding of essence of broker activity in insurance it is necessary to define precisely a place and a role of the broker as the participant of insurance ratios. The insurance broker brings the own contribution to ratios between consumers and suppliers of insurance services. This contribution is formed in the course of implementation by the broker of requirements of the insurer in handle of risks. The broker should develop programs of handle of risks and insurance for the clients, to select insurers and overcautious persons for their implementation, to place these programs in the market, to control course of execution of contracts and losses in case of their occurrence.
Keywords: insurance, the broker, broker activity, the insurance market, the civil legislation, mediating, representation.
, , - , . 80% - - .
, . .
. -
. . , , , .[1]
-. . , , , - , , , , ..
: , "" , - . .
. , ( ) . - , - - , .
, , , . / , -.[1]
. . , , , .
, , , , , (), (lineslips, binding authorities, broker covers ..).
. . , , ,
1'2010

, . , .[2]
, - , . , , . , , , . , - , .
. , , .
, , , ».
, , , - . » . , , , . 3 . 381 .
, . » » ( ») , . - , , .[3]
- , , (, ). , , . - , . , - .
, , - , . -
, .
, , , - .
, , , . 182 , , () () ... , ». , » . , , , , , , , .[4]
» , .
2 8 » , : - ... () () , () () (), ( - ). , , ».
, ().
- », : ( 51 ), ( 39 ), ( 50 ) , ( 49 ).
, , , . , , .[5]
, , () -
, .
. .
, . , , ( ) - ., », . 240. : () - , .», . 17, . 11 .
, . -, , (), , -, , .
, / . - (), , . . , .
( », 39 ), , , .
, . , .» , , . , , , - .
4. .. . - : , 2009. -122 .
5. .. . - -: - - . - , 2009. -163 .

. »
. .
. . , , , .
, , , , . / , .
, , , ».
, , ().
.

...,

..
:
1. .. . - : , 2008. -90 .
2. .. . - : -, 2008. -128 .
3. .. : . ... - : . . - . , 2007. - 225 .