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Realisation of insurance activity. These norms contradict each other and not Provide the necessary control from outside supervision bodies for Conscientiousness of founders at organisation creation, behind their real Solvency. In many countries the decision of questions of establishment and Licensings of the insurance organisation it is concentrated in uniform body Insurance supervision that provides the adequate state control. It is necessary to specify also in special procedure in civil law,

Connected with liquidation of the insurance organisation, especially in its cases

Bankruptcies. Under the current legislation of function of the state Supervision stop after decision-making on licence withdrawal on the right Realisation of insurance activity. The further procedure of liquidation The insurer and satisfaction of interests of creditors, including insurers

Communications with the termination of operating contracts of insurance, it is defined by the general

Norms of the Civil Code and the law "About an inconsistency (bankruptcy")". Thus actives of the insurer, including their part directly connected With realisation of insurance activity and representing insurance reserves, Joins in a lump of liquidated property. From this property Requirements of creditors in certain sequence are satisfied. In

To the fifth turn and actually have no bases for the prime Satisfactions of requirements to the gone bankrupt insurer.

According to the majority of experts of the countries of the European Union, in the countries with

Transitive economy where objectively there is no culture and skills Voluntary insurance of property interests of insurers, it is necessary Legislatively to fix a duty to the conclusion of the contract of insurance.

It is especially necessary in cases when insurance is connected with protection

Property interests of victims as a result of a tresspass Insurers. It is a question, first of all, of insurers who serve Source of the raised danger. Number of such kinds of insurance concerns Insurance of a civil liability of automobile owners, insurance Responsibility of commodity producers, employers for the done harm To life and health of workers, responsibility insurance at performance Certain sort of professional work (medical workers, Notaries). Development of such kinds of obligatory insurance is called To provide protection of property interests suffered as it is independent From a financial status of the person who have harmed, allows to carry out Insurance payment and to compensate the caused damage in sizes, Established by the law. In modern economic conditions of Russia it

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