Economy, finances, management: topical issues of science and practical activity

SCIENTIFIC JOURNALS OF VINNITSA NATIONAL AGRARIAN UNIVERSITY

Issue №: 2 (56)

Published: 2021.06.29

DOI: 10.37128/2411-4413-2021-2

Description:
The journal deals with the issues of efficiency of functioning of the national economics and organizational forms of management of the national economy. Attention is paid to the problems of marketing, management and efficiency of production and economic activity of agrarian enterprises. The issues of public administration and administration, accounting and taxation, banking and insurance, forecasting and modeling of economic processes, foreign economic activity, commodity flows of economic entities and their infrastructure support.

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CURRENT TRENDS OF AUTOTRANSPORT INSURANCE IN UKRAINE

DOI: 10.37128/2411-4413-2021-2-7

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MARTSENIUK Olena – Candidate of Economic Sciences, Associate Professor of Department of Finances, Banking and Insurance, Vinnytsia National Agrarian University (21008, Vinnitsa, 3, Soniachna Str., e-mail: m.ov@i.ua).

Annotation

The research of the article is aimed at highlighting the essence and features of the functioning of the car insurance market in Ukraine. The study found that motor insurance is associated with profound economic and social changes in society due to mass motorization, the growth of the car fleet and traffic intensity, as well as huge material losses as a result of road accidents.

It should be noted that freight transport is developing quite rapidly both within the country and abroad. At the same time, an increase in the number of intercity bus transportation, excursion and tourist bus services has been established, and as a result, international motor tourism is growing. It is proved that these factors contribute to the growth of accidents, losses in the transportation of goods, increase accidents with passengers and pedestrians on highways and, accordingly, material and social losses of society, population, commercial and government agencies.

It is substantiated that insurance in general and civil liability insurance, as its integral part, is an infrastructure that helps to increase the efficiency of all areas of business. This determines the importance of the development of all types of insurance in Ukraine, taking into account the process of integration into the world community. It is established that the development of insurance market in our country should be based on the study and balanced use of experience of industrialized countries with long traditions in the insurance market, legal regulation of insurers and diversification of various types of insurance.

However, it should be borne in mind that the world community has invented universal means of compensation, which is the most popular type of liability insurance worldwide – is the insurance of civil liability of owners of land vehicles. It provides for the payment of monetary compensation to the victim in the amount that would be collected from the owner of the vehicle on a civil lawsuit in favor of a third party for damage to life and health, as well as for damage or loss of property due to an accident or other road – transport accident due to the fault of the insured.

Given the state and prospects of motorization in our country, as well as foreign experience in insurance market, we can say with confidence that liability insurance is one of the leading areas among other types of insurance. However, in its organization and implementation there are many different problems of legal, social, economic and organizational type.

Recommendations on the prospects for the development of civil liability insurance of owners of land vehicles in Ukraine are given.

Keywords: insurance, car insurance, obligatory insurance of civil liability of vehicle owners, CASCO, road accident, insured event, indemnity.

List of references

1. Bazylevych, V.D., & Bazylevych, K.S. (2008). Strakhova sprava [Insurance business]. Kyiv: Znannia [in Ukrainian].

2. Vnukova, N.M. (2006). Mizhnarodne strakhuvannya [International Insurance]. Kyiv: Tsentr navchalnoi literatury [in Ukrainian].

3. Hovorushko, T.A., & Stetsyuk, V.M. (2014). Strakhuvannya [Insurance]. Lviv: «Mahnoliya 2006» [in Ukrainian].

4. Honcharuk, I.V. (2017). Perspektyvy rozvytku strakhovoho rynku [Prospects for the development of the insurance market]. Zbirnyk naukovykh prats Cherkaskoho derzhavnoho tekhnolohichnoho universytetu. Seriia: Ekonomichni nauky – Collection of scientific works of Cherkasy State Technological University. Series: Economic Sciences, 44 (2), 87-93 [in Ukrainian].

5. Shirinyan, L.V. (Eds.). (2020). Konkurentospromozhnist strakhovoho rynku Ukrainy v umovakh aktyvizatsii hlobalizatsijnykh protsesiv [Competitiveness of the insurance market of Ukraine in the conditions of activation of globalization processes]. Kyiv: Publishing House Lira – K [in Ukrainian].

6. Martsenіuk, O.V. (2020). Intehratsiyni protsesy yak chynnyk rozvytku strakhovoho rynku Ukrayiny [Integration processes as a factor in the development of the insurance market of Ukraine]. Derzhavne upravlinnia: udoskonalennia ta rozvytok – Public Administration: Improvement and Development, 2. Retrieved from: http://www.dy.nayka.com.ua [in Ukrainian].

7. Sait Motornoho (transportnoho) strakhovoho biuro Ukrainy [Site of the Motor (Transport) Insurance Bureau of Ukraine]. www.mtsbu.ua Retrieved from: http://www.mtsbu.ua [in Ukrainian].

8. Sait Natsionalnoi komisii, shcho zdiisniuie derzhavne rehuliuvannia u sferi rynkiv finansovykh posluh [Site of the National Commission for State Regulation of Financial Services Markets]. nfp.gov.ua Retrieved from: https://nfp.gov.ua [in Ukrainian].

9. Sait Patrulnoi politsii Ukrainy [Site of the Patrol Police of Ukraine]. patrol.police.gov.ua. Retrieved from: http://patrol.police.gov.ua/statystyka [in Ukrainian].

10. Zakon Ukrainy «Pro oboviazkove strakhuvannia tsyvilno-pravovoi vidpovidalnosti vlasnykiv nazemnykh transportnykh zasobiv» [Law of Ukraine «On compulsory insurance of civil liability of owners of land vehicles»]. (n.d.). zakon.rada.gov.ua. Retrieved from: http://zakon.rada.gov.ua/cgibin/laws/=4015 [in Ukrainian].

11. Ruda, O.L. (2020). Rozvytok strakhovoho rynku v Ukrayini [Development of the insurance market in Ukraine]. Efektyvna ekonomika – Effective economy, 2. Retrieved from: http://www.economy.nayka.com.ua [in Ukrainian].

12. Statystyka strakhovoho rynku v Ukraini. Sait informatsiinoho ahentstva «Forinshurer» [Statistics of the insurance market in Ukraine. News agency site «Forinshurer»]. forinsurer.com. Retrieved from: https://forinsurer.com/stat [in Ukrainian].

13. Strategy of development of the insurance market of Ukraine for 2012-2021. ufu.org.ua. Retrieved from: http://ufu.org.ua/ua/about/activities5257 [in Ukrainian].

14. Shirinyan, L.V., & Shirinian, A.A. (2019). Kliuchovi pokaznyky efektyvnosti funktsionuvannia strakhovoho rynku dlia derzhavy [Key indicators of efficiency of functioning insurance market for the state]. Biznes Inform – Business Inform, 8, 158-164 [in Ukrainian].

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About the journal

Topics of the journal:

С1 Economics and International Economic Relations (by specialization)

D1 Accounting and Taxation

D2 Finance, Banking, Insurance and Stock Market

D3 Management

D4 Public Management and Administration

D5 Marketing

D7 Trade

J3 Tourism and Recreation

Keywords: economics , international economic relations , accounting , taxation , finance , banking , insurance , stock market , management , public management and administration , marketing , trade , tourism and recreation

Key information:

ISSN (print): 2411-4413

DOI: 10.37128

All-Ukrainian scientific and production journal “Economics, finance, management: topical issues of science and practical activity” is a peer-reviewed open-access journal that publishes original research, theoretical articles and reviews on a wide range of economic and business issues. The articles, which have scientific and scientific-practical significance, highlight theoretical and methodological aspects of the development of agrarian sector of economy and related industries, the results of fundamental and applied research.

The purpose of the journal is to highlight the results of fundamental and applied research in the field of economic sciences, aimed at developing modern approaches to managing economic processes, financial support for enterprise activities and increasing the efficiency of economic systems. The publication is focused on creating a scientific environment for the exchange of research results between scientists, higher education students and practitioners in economic sphere, as well as on the dissemination of modern scientific and methodological approaches to solving current economic and management problems. The journal contributes to the development of the research in the field of enterprise economics, finance, accounting, auditing, management, marketing, entrepreneurship, trade, tourism and recreation, public management and administration, economic development and international economic relations, which meets the modern needs of the socio-economic development of the state.

The journal’s objectives are:

• publishing the results of fundamental and applied research in the fields of economics, international economic relations, finance, management, public administration, accounting, marketing, tourism and recreation, and entrepreneurship;

• promoting the development of modern methods of managing enterprises and organizations, increasing the efficiency of using financial and material resources;

• supporting the research aimed at improving the economic mechanisms of enterprise functioning, developing innovative activity, and increasing the competitiveness of economic structures;

• ensuring the scientific exchange of research results between higher education institutions, scientific institutions, and business entities;

• developing methods of economic analysis, forecasting, and modeling of socio-economic processes;

• disseminating of modern approaches to financial management, accounting, taxation, and control of economic activity;

• promoting the development of interdisciplinary research related to the economic support of the development of agrarian sector of economy and rural areas;

• integration of scientific research results into the international scientific space and increasing the level of scientific communication.

Publisher: Vinnytsia National Agrarian University

Link to the journal on the publisher’s website: ”Economics, finance, management: topical issues of science and practical activity”

Frequency of issue: 4 times a year.

Language of publication: Ukrainian, English.

Editor-in-Chief: Inna Honcharuk

State registration: Decision of the National Council of Ukraine on Television and Radio Broadcasting No. 1337 and No. 1178. Media identifier – R30-05171. Publisher registration number (EDRPOU) 00497236.

Publisher’s ROR: https://ror.org/05m3ysc06 Publisher’s DOI prefix: 10.37128 ISSN (print): 2411-4413

Publisher DOI prefix: 10.37128 ISSN (print): 2411-4413

The scientific journal is included in category "B" of the List of scientific professional publications of Ukraine, in which the results of dissertations for the degree of Doctor and Candidate of Sciences in the specialties C1 (051) - Economics, D1 (071) - Accounting and Taxation, D2 (072) – Finance, Banking, Insurance and Stock Market, D3 (073) – Management, D5 (075) – Marketing, D7 (076) – Entrepreneurship and Trade, (241) – Hotel and Restaurant Business, D4 (281) – Public Management and Administration (Order of the Ministry of Education and Science of Ukraine dated March 17, 2020 №409)

History of journal:

Founded in 1997 under the name ”Bulletin of Vinnytsia State Agricultural Institute”. In 2010-2014 it was published under the name “Collection of Scientific Papers of Vinnytsia National Agrarian University”. Since 2015 “Economics, finance, management: current issues of science and practical activity” (Certificate of State Registration of Mass Media No. 21154-10954 PR dated 12/31/2014).