PROBLEMS AND PROSPECTS OF MOTOR INSURANCE IN RUSSIA FROM THE POINT OF VIEW OF INSURANCE COMPANIES

The article describes the main provisions of the regulation of motor insurance in the Russian Federation. The aim of the study is to consider the experience of the organization of motor insurance on the example of one of the Omsk companies. The main method of the study is a regression analysis of the car insurance model in the CASCO insurance company. A brief statistical information on the number of insurance companies operating in the Russian Federation, the number of insurance cases, as well as court cases in the field of motor insurance. Examples of insurance cases where there is a litigation with the road services are considered. The analysis of insurance Rules of various companies engaged in automobile insurance. Examined the shortcomings in the Regulation of insurance. The data on the minimum size of the authorized capital of insurance companies, as well as the limited liability of insurers in motor insurance. The cases of fraud in the field of motor insurance in the Russian Federation, especially related to the passage of motorists technical inspection of the vehicle. Various regression models for multi-model, which is used in motor transport insurance in CASCO, including linear, power, exponential, are constructed. The correlation analysis of regression models is carried out and a new model is constructed. The main problems of motor insurance both in the Russian Federation as a whole and in Omsk in particular are considered and analyzed. The main measures to overcome the main difficulties of motor insurance in the Russian Federation are proposed. As a result, a new econometric model is proposed to optimize the insurance tariff for motor transport insurance. This model can be used by various Russian insurance companies to optimize the insurance tariff for hull insurance.

car insurance, insurer, regression, liability, company, incident, event, determination, model, ratio

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