| gen. |
дорожное страхование (rechnik); страхование гражданской ответственности за причинение вреда третьим лицам при осуществлении своей деятельности Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Originally, individuals or companies that faced a common peril, formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium. Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. WK (Alexander Demidov); страхование ответственности за причинение вреда (insurance against claims of loss or damage for which a policyholder might have to compensate another party. The policy covers losses resulting from acts or omissions which are legally deemed to be negligent and which result in damage to the person, property, or legitimate interests of others. In comparison with most other forms of insurance, liability insurance is a relatively recent phenomenon. A very modest amount was written before 1890, but it was principally the introduction of the automobile after that year that spurred the rapid growth of this form of insurance, which now extends to a great many activities in addition to the operation of an automobile. Other types of liability insurance include professional liability for doctors and other professionals (malpractice insurance), marine liability for boatowners and operators, and products liability for manufacturers of consumer goods. Protection can also be provided against the possibility that one may be unable to fulfill the terms of a contract or against the risks involved in activities that are considered so dangerous to other people or property that the law requires persons engaged in them to assume responsibility for their consequences no matter how much care is taken to avoid damage. Examples of this last type, called absolute liability, vary from one legal jurisdiction to another but may include, for example, the ownership of dangerous wild animals. Britannica Alexander Demidov) |
