ВІДШКОДУВАННЯ НЕМАТЕРІАЛЬНОЇ ШКОДИ ТА ЇЇ ФІНАНСОВІ НАСЛІДКИ ДЛЯ СТРАХОВОЇ ГАЛУЗІ
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Надіслано: 28-02-2025
Опубліковано: 30-06-2025
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У цій статті розглядається визначення відшкодування нематеріальної шкоди в чеському приватному праві, зосереджуючись на впливі реформ Цивільного кодексу 2014 року. У ньому досліджується, як економічні критерії, такі як середня заробітна плата та інфляція, впливають на суми компенсацій, висвітлюючи наслідки для страховиків, судів та фінансової системи. Використовуючи економічний аналіз права, у статті оцінюються такі методи, як теорема Коуза та принципи справедливості, пропонуючи інтеграцію макроекономічних факторів для підвищення точності та справедливості в компенсації. У дослідженні наголошується на необхідності комплексного підходу, який би забезпечував правову визначеність та відповідав сучасним фінансово-кредитним системам. У статті проаналізовано, як створення системи компенсації нематеріальної шкоди здоров'ю може вплинути на фінансові установи, що пропонують неінвестиційні продукти, зокрема страхування, та їхню здатність реагувати на економічні коливання. Це свідчить про те, що законодавство та практика прийняття судових рішень можуть посилювати невизначеність у законодавстві та страхуванні. Це також впливає на ціноутворення страхових продуктів, оскільки зміни відшкодувань залежно від економічних показників можуть впливати на ціни страхування. Неправильно встановлена система компенсацій може призвести до нестабільності в страхових компаніях, наголошуючи на необхідності багаторівневої моделі визначення відшкодування.
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