UDK: 341.96

Elina V. Gubernatorova - Candidate of Philological Sciences, associate professor of the foreign languages department of economic and legal studies of the Altay State University

Nataliya Ev. Kovalenko - Master’s Degree student of the Law Institute of the Altay State University

Vladimir Al. Val'kov - Master’s Degree student of the Lomonosov Moscow State University

Evgeniy Ig. Timofeev - lecturer of the College of the Altay State University

Abstract. The current paper has considered the present problems of legal regulation of the of cross-border insurance of vehicle owners’ liability. The most economically developed countries envisage compulsory liability insurance of vehicle owners’ liability. In law enforcement practice there have been arisen some questions related to the compensation for damage caused to the victim by a foreign vehicle owner. There have been analyzed the features of the legal mechanism of liability insurance in foreign countries. There have been found and substantiated a necessity to apply universal instruments of liability insurance of vehicle owners from the Russian Federation and neighboring states. In connection with gaps in legal regulation, it has been considered expedient to develop an institute of universal civil insurance of commercial vehicle owners’ liability used to cross the CIS border and within the countries of the Commonwealth of Independent States. It can give the possibility to the commercial organizations from any of the host countries (CIS) conclude a universal insurance contract for vehicles used to move across the borders of the Commonwealth countries in any of these states. To implement these provisions, it is necessary to create a single normative act regulating the issues of interaction in this area, namely a joint agreement of the CIS countries. On the basis of the conducted study, the authors have proposed to use a mechanism similar to the “Green Card System” with improved amendments. Within the framework of the proposed agreement, there should also be resolved the issues of information exchange via electronic interaction. There has been assumed that through information interaction in this area, there should be taken into account the transparency of maintaining databases and free access to their constituent information. This will allow controlling efficiently a compliance with legislation in this area.

Keywords: cross-border insurance; “Green Card System”; vehicle; road traffic accident.

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