TURNIKOV Nikolay Sergeevich biography

News-5 materials, the last in time-April 9, more than a year ago-materials, the last in time on August 8, more than a year ago, press releases-11 materials, the last in time-May 18, more than a year ago, a direct speech-1 material, last in time-more than a year ago, more than a year, Nikolai Sergeyevich-replicas of the total replica: December 3 on December 13, it is necessary to create an arbitration court or some kind of similar instance for resolving insurance Disputes, by analogy with the initiative of Pavel Medvedev for bank disputes?

TURNIKOV Nikolay Sergeevich General Director of Glavstrakhontrol LLC, President of the Association of Persons providing services to insured cases to insured cases, the Association of Protection of Insurers is quite obvious that the existing system for protecting the interests of insurers can be supplemented with new elements. The FSSN does not have the authority to intervene in the civil disputes of the subjects, as reports to each policyholder or victim who appealed to the service with a complaint, but carries out a verification, the progress of which and the results of those who applied for protection have no information.

The courts, of course, have an increasing load from judicial disputes. The lack of alternative jurisdiction and the ability of the insured to apply to the court at his location, and not just at the location of the insurer, contains a corruption component. Currently, it is necessary to create a specialized institute of resolution of insurance disputes - the Center for Mediation, the arbitration court or the insurance ombudsman.

It is only necessary to create the first two by ensuring the balance of interests of insurers of organizations involved in the protection of their rights and insurers, and the latter is not following the example of P. Medvedev, who currently acts on the basis of agreements of a number of banks and his deputy status, but following the example of this institution in Sweden or UK, establishing a simplified procedure for the implementation of its decisions.

Obviously, a more developed insurance market, as well as the necessary legislation, would increase the share of insured agricultural manufacturers. At the same time, the problems that the policyholders face at the stage of execution of the contract must be solved in parallel. If you do not give this value now, then the absence of debugged mechanisms for the settlement of insured events can only lead to disappointment at the insurance institution, and not at all involve a larger number of policyholders in it.

In this case, the state will still be forced to impose an insurance culture by mandatory species and subsidies, for which insurers are fighting, but what objectively there is no need for a developed market. Among the most significant problems, one can note the lack of standard insurance rules and a unified methodology for resolving losses, uniform criteria for dangerous natural phenomena, control from the state and the reporting system of insurers, which ensures the possibility of early diagnosing problems with financial stability, identifying cases of non -fulfillment of obligations by insurers and making decisions on them.

TURNIKOV Nikolay Sergeevich Director of the Corporate Bloc LLC Glavstrakhstrakhkontrol, the reason that legal services often work ineffectively, and the number of lawyers exceeds the necessary, is the mechanism for the formation of legal services. As soon as the recently created company is revealed the need for legal support, the first lawyer is hired there, who will ensure the legal support of Day-to-Day.

Over time, he convinces the leader that it is necessary to accept the second lawyer due to the increased volume of work. Further in the company, more and more employees appear, and far from always the growth of numbers corresponds to the real needs of the business. The manager often does not have the necessary information and time to independently figure out how the legal service should be organized in the company, and therefore can not always evaluate the effectiveness of lawyers.

In our opinion, there are several evaluative indicators, in the event of which the insurer has grounds for checking the activities of the legal unit. Of course, these indicators are not absolute Benchmark, the effect of scale is of great importance. Nevertheless, in conditions of rigid competition, insurers should not contain bloated legal units. It is necessary to diagnose excesses in time and really assess the effectiveness of the legal unit, the ratio of business volume and the number of lawyers, the effectiveness of subrogation and regress, adequacy of the protection of the interests of the company.

In order to increase the effectiveness of the legal service, the company can conduct such an analysis and, on its basis, decide to reduce the staff, dismiss some lawyers, redistribute functional duties between existing lawyers or the advisability of attracting legal outsourcing. See the details.See Details.