Draudiminis įvykis kaip profesinės civilinės atsakomybės draudimo paskirties įgyvendinimo problema

Abstract

After introduction of mandatory professional liability insurance, the issue of this insurance type implementation has emerged. One difficulty is related to insurance events. Currently the conclusion of insurance contracts with very brief insurance events list is not restricted. As a matter of fact such contracts satisfy only insurance companies’ interests. The danger arises that professional liability insurance will not serve its purpose, i.e. in many cases it will not protect the Insured from the damages arising in the course of professional activity. There is no legal order set that would assure the balance of interests between the parties concluding insurance contract, as well as implementation of professional liability insurance. The legitimisation of key regulations (criteria) for determination if a concrete event were to be considered as an insurance event, would be a way to solve this issue. The article attempts to disclose the indications of insurance event excluding it from other events and to set the main regulations (criteria) for determination of insurance events.