. 1
( 2)



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reopnn




CYEPOrAuMM
B CTPAXOBbIX
OTHOUIEHMRX
I
npasa T ˜ ˜ ˜ O B ˜ H McTpaxoeaTenn, nonywswero c-rpaxosym sblnnaTy, K cTpaxoslqw-
OT S I
Ky, OCYlqeCTBMBUleMY AaHHylO BblnnaTy. ˜ P M M ˜ H M T ˜K˜ ˜ H O CTPaXOBblM OTHOUleHMFlM
AaH˜blfi IlepeXOA MMeHYeTCR cy6poraqwefi. Cneflye˜ OTMeTMTb, qTO ˜ b l p a 6 0 ˜ a ble A0
HH
HacTonlqero speMeHM noaxoabr K p a c c ˜ a ˜ p ˜ s a e ˜ 6 n e ˜ ycnenm cTaTb AorMa-
npo o i e
B o B o H CTaTbe aBTOp COMCKaTenb HUM .laCTHOrO IlpaBa
TMqHblMM B I ˜ ˜ ˜HayKe. B A ˜ H ˜ O ˜
KasrtOY, MarMcTp npasa 6 M p ˜ a H XAPAC6AEB nposoAMT c p a s ˜ ˜ ˜ e n b ˜ o - n p a s o s o f i
M
t $ o p ˜ a n b ˜ o - n o r ˜ r e c ˜ ˜a n npasoeoh MaTepwM, npeanaran csoe BMReHMe KIPM-
a ˜ 6i ˜ 3




cy6pora-
H ˜ ˜ P M M ˜ H M MnpMHuMna
OTBeTCTBeHHOCTW 38 IlpMClMHeHMe Bpeaa ocT˜
811 rK)
(CT. M CTPaXOBaHMR rpaXVl,aHCKO- ˜ M K noroBopaM nMrHoro cTpaxoeaHvlR
M
npaBoB0fi OT8eTCTBeHHOCTH n0 AOrOBOPY aeMOHCTpMpyeT CTpaXOBOe 3aKOHO.QaTenb-
812 rK).
(CT. C B ˜ O ˜ ˜ L U M H CCTpaH ( K flpMMepy,
TO TE˜
(52474).
Orpa˜we˜we
npMHuMna c y 6 p o r a ˜ ˜B
m r p a x & a ˜ c K M f KOAeKC K e e 6 e ˜ a
i
n. 1C . 840 rKnoroeopa˜M
T MMyqeCTBeHHOrO ˜ ˜ ˜ X A ˜ H KOaeKC C ˜ O B ˜ K(§813),
CKM˜ MM
o aoroeopax cTpaxoeaHwR
CTpaXOBaHMR 6 y ˜ B a n b 03HaWeT HenpMMe-
˜0 3auo˜ ˜ T B M M
˜
KHT˜R
(0.401, 3aKOH
H M C b ,QaHHOrOnpMHUMfla B OTHOUreHMM
M OT 0 CTpaXOBaHMM (CT.
aoroeopos nMrHoro crpaxoeaHvln. flaH˜blA 44), rpaWaHCKMe KOAeKCbl ˜ O ˜ ˜ W V I H C T B
rK, e
YCTa-
@KT BblTeKaeT M O ˜ U M X HOPM
3 cTpaH CHr M np.). k?cKnloqe˜Me TOM
HasnMealoqMx H ˜ B O ˜ M O X H O C nepexoaa K cMblcne npencraenfleT r p a w a ˜ c ˜ v KoaeKc
lci

MO˜AOB˜I,
&pyrOMynMuy IlPaB, Hepa3pblBHOCBR3aHHblX K0˜0pblfi CT. 1329 Nflepex0p.
B
no AOrO- K CTpaxoBUMKy npas cTpaxoeaTenn)) He
C JlM'iHOCTblo KpeaMTOpa (CT.
340).
BopaM nMrHoro cTpaxoeaHMR nocrpanaeuee orpaHMrMsae-r T ˜ K nepexoaaoroeopaMM

nMUo Bnpase npeTeHaosaTb K K H nonyrewe
aa co6c-
MMyqecreeHHoro cTpaxoeaHw, reM
CTpax0˜0fi
BblflnaTbl, T K M Ha B03MeqeHMe
a TBeHHO M npeAyCMaTpMBaeTnpMMeHMMOCrb
npwiuuna c y 6 p o r a u KaoroaopaM nMrm-
˜˜
or ero npwvlHmTenR ( B
spe.qa ˜˜˜MHKB˜HT˜)
-
(CM. n. 5 CT. flpyroli
nonHoM o 6 b e ˜ e 820 TK). r o cTpaxoeaHm. npmMep ˜˜KOH
6 y ˜B ˜
y CK˜˜˜HHO˜,
KY BnOCneACTBMM A a H H b l e CYMMbl H e n p e ˜ y C M O T p e H 0MHOeB.
O)MH˜FIHAMM0 A O r O B O p a X CTpaXOBaHMfl,
K O T O P ˜ npmo n p e A y c M a T p M e a e T , TO n p M n t o 6 0 ˜CJlyqae B3blCKaHbl OT n M 4 , ˜ ˜ M ˜ K M X
I˜˜ OAHaKO, H e OsHa'iaeT, '-IT0 CTOPOHbl A O n X H b l
˜Jly'iafi
HeflpeMeHHO IlpeAyCMOTpeTb ˜ a˜0fi
/I/.
nHYH0M CTPaXOBaHMM p a 3 M e p B 0 3 M e q e H M f l , CTpaxoeaTenro
Boece HeT,
A ˜ a n H O3P M O T e q e C T B e H H O r O r K
˜
B3blCKMBaeMOrO C T p a X O B ˜ M K O M T p e T b e r O
C B n0rOBOpe. B 3TOM-TO M COCTOMT
cy6poraqmb1, CYTb BOCnOnHMTenbHO-KOMneHCMpytoqe-
flOKa3blBaeT, 'iT0 IlpMBeneHHble nOAXOAbl
flMt(a B CMnY H e MOXeT flpeBbl-
cy6pora4˜˜ r0 X a p a K T e p a M e T O A a A M C n 0 3 M T M B H O r O
LUaTb PaCXOAOB, n0HeCeHHblX B p e 3 y n b T a T e K OrPaHMqeHMto flOnHOCTbK1
cnyrafi Mnw 803- y K n a A b l e a t o T c n ( M ˜ M , no ˜pafinefi e p e , c
3 a 6 0 n e ˜ a ˜H˜ c ' i1 n H o r o
e˜ a, M p e r y n M p o s a H m , B C B R ˜ M 'ieM CTOPOH˜I
M O r y T 6 b l ˜ b n O X e H b l no YCMOTPeHMlo CTO- c ˜ o r npnfi˜n HYXHOMY C o r n a u e H M t o M

Y
HMKLUMX BCneACTBMe 3 T O r 0 MaTePManbHblX K
POH) B p a M K M CT. 840. flenafl n o ˜ o 6 ˜ b l f i B n o c n e n n e M m .
75).

Y ˜ ˜ I T K O( BY ˜ C T CT.
B yKa3aHHOM
BblBOA, M b l n p M A e p X M B a J l M C b C J l e n y l o q M X
˜ ˜ K o H o . J J ˜ T ˜ ˜ ˜ P R A aoCTpaH n p e A y C -
cTB BOflpOCe TPYAHO COrRa-
M. ˜ P ˜ ˜ M H C K M b l C, T Y n a t o u M M
BM
coo6paxe˜˜fi.
M a r p M s a e T H H o e orpaHM'ieHMe npMH4Hna CMTbCR C
rK
cy6porau˜˜ T ˜ K B COOTBeTCTBMM
,
B OTHOLUeHMM CaMMX AOrOBO- C BO3HMKHO- RpOTMB n03MUMM 3aKOHOAaTenR, K O T O P ˜ I ˜
B ˜ X onenefi
˜
o ˜ ˜ o˜3f iA
T˜K, B e H M e C T p a X O B O r O Cny'iaR BCneACTBMe npM ebl6ope
POB MMYLLpCTBCHHOrO CTPaXOBaHMR.
-
HeOCTOpOXHblX A ˜ ˜ ˜ C T M 4 M ˜˜ ˜ M ˜ K M O ˜ R ˜ ˜ T ˜ ˜ ˜ H 6 0HanpOTMB,
n ˜ O C, T M
ycraHaenMsaeTcrc H ˜ B O ˜ M O X H O Ccy6pora- ˜eo6˜-
nB ,
T˜ X
˜ M C T p a x o B U M K y npas c T p a x o e a T e n a K s a ˜ e n b ˜ nepexona
npae c T p a x o s a T e n R
M CTpaxoBaTento, H e 0 3 ˜ a r a e ˜ B O ˜ O X - oc˜˜
OC
n M q a M - r n e H a M ero ( c ˜ p a x o e a ˜ e c e M b M -
A e H M e CTpaXOBLU,HKa OT 0 6 ˜ 3 a ˜ e n b c ˜ B B nOp5lAKe c y 6 p o r a u ˜ ˜˜ 3 6 p a n
n˜) a AMCnO-
OCyqeCTBMTb CTpaXOBYK) BblnnaTy. O A H ˜ K O 3HTMBHOe PeLUeHMe BOnpOCa. T ˜ K aBTOp, ,
MnM er0 M W M B e H U a M , OTBeTCTBeHHblM 3 a
CCblnaRCb H a BblCKa3blBaHMe r. U]epLLle˜e-
o c y q e c T s n e H M e T ˜ K O R blnnaTbl s n e r e T
HacrynneHMe crpaxoeoro cny'iafl. B KareCTBe B
B M r a o TOM, TO { ( C a ˜ o ˜ s e p ˜ o c ˜ o e a ˜ n e
oe
e
n p M M e p a MOXHO cocnaTbcR H a r p a x q a H c K M e H˜O˜XO˜HMOCT˜ BOCCTaHOBneHMR M M Y u e C -
($2474) M C ˜ O B ˜ K H M TBeHHblX MHTepeCOB CTpaXOBLU,MKa. 3 a 6 e r a ˜ M O X e T 6 b l ˜ b a f i n e ˜ O n b K O B 3 a K O H e ,
KOAeKCbl K s e 6 e ˜ a ˜ T0
(n. 3 5813) M 3aKOH ˜ ˜ T B M H 0 AOrOBOpaX B f l e p e A , C K a X e M , '-IT0 B AaHHOM BOCCTaHOB- K O T O P ˜ II ˜p˜ I I H a e T , '-IT0 f l p a B 0 MCKaTb
lM
f f p a x o B a H M R (n. 5 cr. 40). ˜ O A O ˜ H o p - neHMM B U e n O M M COCTOMT OCHOBHaR U e n b
H˜R B o s M e q e m R Y ˜ ˜ I T K O Bn p M H a n n e x a u e e
,
cy6pora4nn.
M a Bbl.QenReTCR M B ˜ ˜ ˜ w ˜ H C K O M KOAeKCe CTpaXOBaTento B CMJlY AenMKTa, nePeXOAMT,
l l p ˜ no ycMoTpeHMto CTpaxoeaTenR
T ˜ ˜ K M ˜ H M C rAe H y 6 p o r a u ˜ ˜OTHO-
T˜ c˜, no YAOBneTBOpeHMM er0 C T p a X O B ˜ M K O M ,K
TOM
B
TO MY n o c n e A H e M y ) ) , nonaran H e n p M e M n e -
y n n a r e w b r e c T p a x o e U M K o h n C Y M M ˜Mory-r
I
LU˜HMMn e H a c e w M T a w e HeeosMoxHa,
r
K p o M e cnyraee, K o r n a open 6b1n B ˜ I ˜ B ˜ 6 H l ˜ b
b B3blCKaHbl C C a M O r O n e n M H K B e H T a M b l M B03MOXHOCTb /2,OrOBOpHOrO PelLleHMR
n ˜ 6 0n n a ' i e H n a R c T p a x o s a R B b l n n a T a B
TaKMM 'ineHOM CeMbM f l p e A H a M e p e H H 0 (n. 2 yKa3aHHOi-0 BOnpOCa /2/.
y
K ˜ 6K 1 TO HM 6bln0, n o n o x M T e n b H a f l
IlOpFlflKe n. 4 CT. 840 M O X e T 6 b l ˜ b 0 3 B p a -
CT. 871). B b
K nepeqMcneHnbrM ˜ ˜ K O H ˜ M CTOpOHa nMCll03MTMBHOCTM n. 1 CT. 840
u e H a c r p a x o e a T e n e M , B cnyrae e c n M OH H e
cne,qyeT
OTHeCTM T a K X e M 3aKOH I/J3paMnflO AOrOBO- 3aXO'-leT, 'i˜06bl B b l f l n a Y e H H b l e C Y M M b l 6 b l n M BMAHa. KaK MHHMMYM, B npMBe&eHHOM HaMM
pax Ulvae.
B ABHHOM 3 a K O H e K P Y r B3blCKaHbl C ˜ ˜ ˜ M H K B (K Tl p˜ M e p y , CblHa
&f M WCTHOM
CTpaXOBaHMR.
mu, npaso ˜ p e 6 o e a ˜ T p a x o s a T e n R K B u e n o M me,
cw˜ a ˜ a n ˜ 3 CT. p840, M ˜ I
c T p a x o e a T e n f i ). ˜ y˜
AMCfl03MTMBHOCTM n. 1 CT. 840
K O T O P ˜ I MH e M o x e T nepefi˜cl c T p a x o e - C˜blcn
K flpMXOAMM K BbIBOAY 0 TOM, qTO nMCn03M-
ee 1
LlpIKy, OTpaHM4MBaeTCFI TaKHMM JlMUaMM, PaCKpbIBaeTCfl n p H M e H M T e n b H 0 K OnMCaH- TMBHOCTb flyHKTa M M e e T cneAyloW,Me
OT KOTOpblX B Pa3YMHblX o ˜ C T O R T ˜ ˜ ˜ C T BHOMY C J l y W t o B TOM, ClTO O C Y ˜ ˜ C T B M B W M ˜ p a s o e b l e n o c n e A c r B M R :
˜X n
(reasonable i n s u r e d ) 1) nosson˜er Aoroeope,
CTpaXOBylo B b l n n a T y CTpaXOBuMK H e 0 6 ˜ 3 a ˜
cTpaxoeaTenb He cTan ycTaHoeMTb B
CTpaXOBOrO U I Y -
6 b 1 ˜ p e 6 0 B a ˜ 0 3 M e U e H M R nPM'iMHeHHblX
Bb n e p e B O A M T b CBOe n p a B 0 ˜ p e 6 0 B a ˜ M Hl a
f '-IT0 f l p M B03HMKHOBeHMM
˜ 6 b l ˜ ˜ Y C8T.˜ H ˜ B J ˜ MA B H H ˜ K ˜ ˜ T C ˜ M ˜ ˜ , AenMHKBeHTa ( K ˜ K b 1 n o 6 b 1 n p M MMflepa-
6
0 B˜R I PH 'iaR BCneACTBMe HeOCTOpOXHblX .Qefic˜Elllfi
T M B H O ˜ ˜ O ˜ M ˜a M O X e T B03BpaTMTb MX OT
H ), T p e T b M X n M 4 ( K f l p M M e p Y , ˜ ˜ M ˜ nMl( X
KM
y˜a3a˜˜blfi
3aKOH, H a p R a y C n M u a M M , CBR-
crpaxosa˜enfi)K npaso T p e -
3aHHblMM CO CTpaXOBaTefleM C ˜ M ˜ ˜ H ˜ I M M
CTpaXOBaTenR B B b l U e y K a 3 a H H O M flOpRAKe cTpaxoeqMKy
˜ O B ˜ H M e p e X O A M T b H e 6yne˜. ˜ a ˜ 0 f i
n. 4 CT. 840. 0
OTHOWCHMRMM, I l p e A y C M a T p M B a e T T a K X e nR
co c T p a x o B a T e n e M H a n p o ˜ ˜ B ,cnyrae
e B O 3 M O X H O O M rOBOPMT BTOPOe npepll0Xe-
M nmq, H a x o A R q M x c f l B MMnepaTnBHoro
6b1na HMe n. 1 CT. 840. B COOTBeTCTBMM C KOTOPblM
OTHOWeHMRX ( c p a 6 0 ˜ 0 . Q a ˜ e n b - p a 6 0 ˜ ˜ p e r y n M p o e a H M g y ˜ a 3 a CMTyaUMq
˜˜a˜
˜
6 b l n 6b1
(n. (d) CT. 62). Henb3R 3anpeTMTb cy6pora4˜0,CBR3aHHyto
6 b 1 H e B 0 3 M O X H a . M CTpaXOBU&lK
c n o n y r e H n e M c T p a x o e a T e n e M c˜paxoeofi
A ˜ a n o r M r ˜ b lnOAXOA K O r p a H H W H M t o
fi o 6 ˜ 3 B 0˜ M e U a T b CYMMY C T P ˜ X O B O ˜ l -
a3 Bb
c y 6 p o r a ˜p˜ n y c M a T p M e a e T
n e˜ cnyrai HacrynMn
3 ˜ CBR3aHO
0
flnaTbl C j3,enMHKBeHTa. C TeM,
npwHunna BblnnaTbr, e c n M c r p a x o e o G
M flpOeKT r p a X A a ˜ C K O r 0KOAeKCd Hwnep- TO O T K C T˜ a x o B a T e n R OT c B o e r o n p a B a
˜p BCneAcTBMe YMblLUneHHblX n e h c ˜ B M fTPeTb-
i
4 ˜ ( 4 ˜ n t o ' i˜a ˜ M ˜ nu4 cX p a x o e a T e -
n a H n o e ( p a 3 ˜ e n KHMrM 8). B o T n u r M e MX n
17 KflenMHKBeHTy B KOHTeKCTe fl. ˜ KMT
T˜˜˜OB˜HMR
840 BO3MOXeH TOnbKOAO flOnyCIeHMR M M O A H ˜ K O n m u b TeopeTMrecKaR 603-
CT. TO
OT n e f i c ˜ B y t o u ( e r 0T a M TOprOBOrO KOneKCa nq).
(pasnen 9) n p o e K T rK yc-ratiasnneaer, r ˜ o CTpax060fi BblflnaTbl. COOTB˜TCTB˜HHO, Opa- MOXHOCTb, M CTpaXOBqMK B 6 0 f l b L U M ˜ c T B e
x o e a T e n b , n o n y ' i ˜ e u rcrpaxo˜ylo b l n n a T y f l ˜ h ˜ nOCKOnbKY TCM
e˜,
cy6poraunm H e 6 y n e ˜ B cnyrae e c n M c T p a -
, ˜i B CJly'iaeB H a 3TO H e
xoeoe c o 6 b l ˜ 6 be n o Bb13BaHO A ˜ ˜ C T B H R M M M BnOCneACTBMM Y ˜ H ˜ B L U MO ˜BMHOBHMKOM
˜l 'iT ˜ , C a M b l M O H n M U H T C R B 0 3 M O X H O C T M KOM-
cynpyra, p o ˜ ˜ ˜ e n e f˜ e ˜ eTfp a x o e a T e -
MnM i H a c r y n M s l u e r o crpaxoeoro cny'iaq RsnfleTcR
ci fleHCMpOBaTb PaCXOAbl, nOHeCeHHble M M H a
ero 6 n ˜ 3 ˜ M fH e CMOXeT M 3 6 e x a ˜ b
nfl. C H ˜ ˜ O J - I ˜ L U M MoMp a H m r e H M f i M M nono6- c˜paxoeofi
i, B3blCKa-
r ocyqecreneHMe sblnna-rbl;
2)
HMR B b l n J l a q e ˜ ˜ ˜ h
CYMMbl C AenMHKBeHTa, n o 3 ˜ o n c T p a˜ o s a T e n t o c a M o M y
˜e x
˜ b l f flOnXO.4 ˜ a 6 n t o f l a e ˜M B OTHOWeHHM
i c˜
06- pewan,
n ˜ 4c sblnna-ry
, nOCKOnbKy CTpaXOBqMK TOnbKO TaKMM
˜ ˜ ˜ O T H M KcO pB x o e a T e n R , M
Ta HMM nonyraTb eMy crpaxoeyto
( ˜ . e .3 a C W T A ˜ ˜ M H K B ˜ HM CMOXeT
n p o x M B a t o q M x . C y ˜ TaKOrO OrpaHMCleHMR
b pa3OM T˜) OTCTpaXOBUMKa MnM HeT, M COOTBeTCTBeHHO
c y 6 p o r a 4 ˜ ˜ ˜ R C H R ˜ TrOnnaHACKMMM r e M y onpe,qenRTb, 6 b 1 ˜ c y 6 p o r a q ˜ ˜
B03MeCTMTb B b l I l n a W H H Y t o M M CYMMY. b MnM
O˜ CR
Pa3˜Muy
MeX.4)' A B y M f l YKa3aHHblMM He 6 b l ˜ b ;
aBTOpaMM TeM, 'iT0 B ˜ O ˜ ˜ L U M H TaKMX˜
CTB
cnyraes yXe 6b1noCKa3aHO.
3)
CnyllaRMM M b l BMAMM B CnaCMTenbHOM AMC-
c T p a x o e a T e n b B 0 3 n e P X M T C R OT M, HaKOHeU,, KaK
o6opo˜e
c˜paxosofi n03MTMBHOM ((eCnM AOrOBOpOM
nony'ieHm BblnnaTbl, n0CKOnb- ˜ O ˜ B O c-rpaxoea-rento, nonyrLteweMy
˜R˜T
reopnn


npenenax
nexauero
npaxoeylo s b l n n a v M s n o c n e n c r e w m y 3 ˜ a e - B
n O C f l e A H M X B OTHOWCHMfl, B03HMKaloLL(Me n o c n e ˜ c ˜ e mycTa-
fi
H o e n e H H o r o B A O ˜ O B O P ˜ p a x o B o r o cnyran.
M3 O X p a H M T e n b H O r O 0 6 R 3 a ˜ e n b c ˜ B a .a ˜ o e
T
U e M y 0 TOM, qTO C T ˜ ˜ X O B JOy q a˜i BO3HMK
Cl˜f CT
A a H ˜ b l f yuep6
B Xe CJly'iaRX
npeo6pa3oean˜e
RBnReTCR H e M 3 6 e X ˜ b l ˜ OTaenbHblX i
BCJleACTBMe A C ˜ ˜ C T BeMO 6 n M 3 ˜ 0 r 0 n M u a ,

ns crpaxoeoro OTHO-
nocneAcTBMeM s b l x o a a flPMqMHReTCR H e C T M X M ˜ ˜ H O ,
KaK CneACTBMe
B03BPaTMTb CTPaXOBUlHKY I l O n Y c l e H H b l e OT
LUeHMfl O)J,HOrO M3 er0 OCHOBHblX C Y ˜ ˜ ˜ K T O O ˜ ˜ ˜ K T M Bc H yO a f i˜˜ o c r w , a BcnencTBMe
B
H e r 0 CYMMbl M 3TMM npeAOTBpaTMTb H a - n q˜
c y 6 p o r a u ˜ ˜ee - crpaxoeaTenR.
m
cTynneHMe nocneAcTBMq BOneBblX IlpOTMBOIlpaBHblX a e f i C T B l l h OTfle-
c y 6 p o r a ˜ n ˜n b H b l X C Y ˜ ˜ ˜ K T B AB H H O M Cny'4ae MOXHO
-O AHanM3MpyR npnHUMn O a.
˜ ˜ ˜ T H O T ˜ O ˜ O B ˜ H Ml n n a W H H b l X
Bb F I
MC ˜ ˜
YCnOBHO rOBOPMTb 0 ˜ e ˜ 0 e f i
C y M M C AeflMHKBeHTa. n p M M e H M T e n b H 0 K AOrOBOPY CTpaXOBaHMR KOHKYpCHL(MH
O ˜ R ˜ ˜ H H O C B 0 3 M˜ U e H M K ) yuep6a
no T ˜ e ˜
O c T a e ˜ c R 0 6 a B ˜ ˜ b , B c e C K ˜ ˜ ˜ H HOTBeTCTBeHHOCTM 3 8 flPM'4MHeHHe Bpefla, E.
n O˜
TO
-
A B y X c y 6 b e ˜ ˜ o eCTpaXOBLL(HKa, npw-
W e A 0 B a npMXOflMT K H e B e p H O M y , H a H a w
6 b 1 n o 6 b 1 HeB03MOXHblM n p M MMnepaTMB-
B 3 r n R 0 , BblBOfly. T ˜ K a B T O p yKa3blBaeT,
,
HOM x a p a K T e p e H O P M ˜ In. 1 CT. 840 TK. HRBLUerO A a H H Y l o O ˜ R ˜ ˜ H H O C T ˜ H a OCHOBe
'-IT0 ({no TaKOMY n O r O B O P Y B COOTBeTCTBMM Aoroeopa ( s a e c b p e r b MAeT o f i o r o e o p ˜ o i
8 CBR3M C B 0 3 H M K W M M B A M T e p a T y p e
CO CT. 853 TK CTpaXOBLU,MK H e ocso6owa-
B o n p o c o M o TOM, TO n p e A c T a e n R e T co- M
o ˜ R ˜ ˜ H H o c T M ) , n p a e o H a p y w M T e n R , 603-
eTcR OT B b l n n a T b l C T p a x o B o r o B O ˜ M ˜ ˜ ˜ H M ˜ ˜ ˜ w cmnyi ˜ e h c n˜ a eo e b l x HOPM
60h c y 6 p o r a u ˜ ˜ , cnenye-r O T M ˜ T M T ˜ TO Be f pe˜˜
, R.
nonyrae˜ca, TO no n o r o B o p y c T p a x o B a H M n
c y 6 p o r a u ˜nocpenyeT n e p e u e H y Kpe-
o˜ ( ˜ ˜ K o H H O ˜ ;R ˜ B H H O C T M ) .
oI ˜
n M T O p a B O X p a H M T e n b H O M 0 6 ˜ 3 a ˜ e n b c ˜ B e ,c r p a x o e a - r e n b - K p e A M T o p , a no 0 6 ˜ 3 a ˜ e n b - B WMPOKOM CMblCne nOcne.qHRR o 6 ˜ 3 a ˜ -
CTBy !A3 nPMClMHeHMR B p e n a , no KOTOPOMY K
B 0 3 H M K a l o u e M BCnej3,CTBMe H a p y l U e H M R HOCTb COCTOMTB.3aKOHOAaTenbHOM YCTaHOB-
c T p a x o e u M K y n e p e x o A n T npaso ˜pe6osa- n e H w o n p e A e n e n H b l x o T p n u a T e n b H b l x noc-
MMyqec-rseHHblx n p a B c T p a x o e a T e n n / 3 / .
-
HMR B n O p R A K e c y 6 p o r a u ˜ ˜ .n 0 n X H M K . neacrenhA ˜ R
C 3TMX n03ML(Mh H e n b 3 R COrnaCMTbCR C B, HapyLuMTenR B B n A e n M w e H H R
6 e n b l x M u. K p M ˜ o w e e B b l ˜ a n p O T M B , C Y ˜ ˜ ˜ K T V I B Hp˜ I Xl a H C K L l X n p a B n ˜ 6 o
H, CoBnaneHMeM AOnXHMKa M KpeAMTOpa B r aXf
n o n a r a l o u M M M , TO c y 6 p o r a ˜ ˜ e s n R e T c f l
Rh OAHOM n M U e 06fl3a˜enbCTE10 n p e K p a u a e T c n B 0 3 n O X e H M M HOBblX, J l M 6 0 ˜ 0 ˜ 0 n ˜ M ˜ e n b ˜ b
(CT. 383), c n e A o e a T e n b t i o , c y 6 p o r a KaK ˜ r p a w a ˜ c ˜ o - n p a e o e O x R ˜ ˜ H H O n p ˜ ˜ . CT ˜
˜˜
n e p e M e H a K p e A M T O p a B CTpaXOBOM o 6 ˜ 3 a - b˜
6 b 1 tie n o n x H a MMeTb M e c r o a /6/.
TenbCTBe /4/. 3TOM HeCOMHeHHblM RBnReTCR TOT @ ˜ K T '4TO ,
B R a H H o M cnyrae a e T o p n p a e o M e p H o
B O ˜ O C H O B ˜ H MK˜ r O n O H M M a H M R
Ta O n p M H u M n c o u n a n b ˜ o f ic n p a s e n n M B o c T M
cneuye-r n p M e e c T H
npwpoabr c y 6 p o r a u ˜ ˜ y ˜ a 3 b l e a e ˜ , crpaxoBaTenb BblcrynaeT B
C˜TO R p q e npORBnReTCR B Cny'iae B03HMKHOBie-
n. 2 CT. 827 TK, y c ˜ a n a e n ˜ e a l o q ˜ f i˜ o KaCleCTBe K p e A M T O p a , O A H a K O H e A O n O H M - HMR A ˜ H H O ˜ R ˜ ˜ H H O CMMeHHO y nMUa,
r, O TM
A o r o s o p c T p a x o e a H M R n p e K p a u a e T nefic- npaea, 3 a -
M a e T CYTM C O O T B ˜ T C T B ˜ O U ( ˜ ˜ O H a p y l u M B l l l e r O MMyll.pCTBeHHble HHTepeCbI
c T p a x o e a T e n 9 , a H e y c-rpaxoeuwlta.
TBMe C M O M e H T a OCYUeCTBneHMR CTpaXO- Knlo'-laDLU,erOCR B BO3MOXHOCTM ˜ p e 6 0 6 a T b
n y ' 4 L U e f i Xe 3 a q M T b l M H T e p e C O B
8012 B b l n n a T b l no n e p e o M y H a c r y n M s w e M y OT CTPaXOBLU,MKa OCYUeCTBMTb B b l n n a T y B R$)
l
c T p a x o e o M y cnyralo, ecnw ˜ o r o e o p o ˜ n o n b 3 y noc-rpaaaetueron M u a . B c n e f l c ˜ s M e
MnM c T p a x o s a T e n R 3 a ˜ o ˜ o a a ˜ e n c x,o n R ˜3
b
npaeosoro c T a r y c a c T p a x o e q M l t a KaK ripen-
3aKOHOAaTenbHblMM aKTaMM H e npe&yCMOT- 3TOrO C J l e n y e T 0 ˜ L 4 6 0 ' 4 ˜ b l fBblBOAOTOM, '4TO
i
p e H 0 MHOe. n 0 C ˜ O n b K y y 6 p o r a ˜ y n e ˜ e b 1 r o ˜ o n p n o 6 p e ˜ a ˜ e rn e ˜n o 6 ˜ aoro-
c 6˜˜ Bio o˜ npMnMMaTenR, n p e n y c M a T p M s a e T BblnnaTy
B O p e 6yp,e˜ CTpaXOBuMKOM B 0 3 M e u e H M R q Ka'4eCTBe er0
MMeTb MeCTO TOnbKO IIOCJle OCyu(eCTBneHMR RBnRTbCR C a M C T p a x o B a T e n b .
C T ˜ ˜ X O B O˜ BH TMT ˜ e H H O C T M 3 8
C T ˜ ˜ X O BblflnaTbl, neo6xonn˜oK a 3 a T b TeCB ˜ ˜ K O H H O R˜˜ ˜ H H O C TC n o c n e A y l o u m M
O˜ M,
BO˜˜ y
nocne nepexoaou K c T p a x o e q n K y n p a e upaxo-
H a TO, TO B c m n y y ˜ a 3 a ˜ n oHf O P M ˜ Ii n p v i q M H e H M e B p e n a H a TO M p a c c r M T a H o ,
B a T e n R ( n o ˜ e p n e e w e r o ) no B O ˜ M ˜ W ˜ H M K J
C˜TOn p e a y c M a T p M s a e T B b l n n a T y B n o n b 3 y
TOTO, KaK CTPaXOBuMK O C y ˜ e C T B n R e T CTpa-
n P M r M H e H H O r 0 A e n M H K B e H T O M yuep6a.
xo˜ylo sblnna-ry, c T p a x o e o e 0 6 f l 3 a ˜ e n b c ˜ B o nML(a, M M Y U e C T B e H H b l M M H T e p e C a M KOTO-
poro B c n e n c T e v l e Aefiuemfi c T p a x o e a T e n R
n p e K p a w a e T C R /5/.B 3 ˜ 0 CBR3M B03HMKaeT P e r b M A e T o nyrwefi 3 a u ˜ M He e p e c o s
h ˜T
6 b 1 n npnwnen s p e /7/. C ˜ p a x o e a ˜ e x b ne
˜
BOnpOC, 0 K ˜ K n e p e M e H e K p e A M T O p a
O˜ cTpaxoeaTenR, n o c K o n b K y o c y u e c T s n e H M e
B CTPaXOBOM 0 6 ˜ 3 a T e n b ˜ ˜ n OeC n e O C y -
B COrflaCHO A O r O B O p y M M e e T n p a B 0 ˜ p e 6 0 B a ˜ b C T ˜ ˜ X O B b l n˜ a T b l C T p a X O B u M K O M RBnR-
BO n
crpaxo˜ofi 6onee onepaTMBHblhn, H e m e n M wcrpe-
OT C T p a x o B q m a O c y u e c r B n e H M R
LL(eCTBneHMR C T P ˜ X O B OB b l n n a T b l M O X e T eTca
˜
TO-nM60 ˜ b 1 r o a o n p ˜ o 6 p e ˜ a ˜ 6 0 e a ˜ ˜ e . ˜ aB03MeQeHMR B c y n e 6 ˜ o ˜
˜˜oro
BPRA AM
HATM p e c l b ? B03MOXHO BblnnaTbr B n o n b 3 y e-
T ˜ Ma M b l M ,
OTBeTMTb H a 3TOT BOnPOC C n 0 3 M u M H n p M - JlR. C OCyUeCTBMB C T p a X O B y D I l O p R A K e C OTBeTCTBeHHOrO n M u a . 6 o n e e
BefleHHblX aBTOpOB. BblnnaTy, CTpaXOBuMK 3aMeHMT 3 T 0 TpeTbe TOTO, 3 a K O H O A a T e n b C T B O f l e p e K n a f l b l B a e T
npennarafl c B o e n o H M M a H M e c y u ˜ o c ˜ 1 . 1n M U o B A e n M K T n o M 0 6 ˜ 3 a ˜ e n b c ˜ B A e B
re, O ˜ R ˜ ˜ H H O Cl n O˜ H e H M R DpM/3,M˜eCKMX
Bb T n
n a n b ˜ e h w 6 ˜ ˜ BblcTynaTb B K a r e c T s e
ey e˜
c y 6 p o r a ˜ M ˜ nIo n a r a e M , rro, ocy4ec.r-
˜ ˜, no
C $ I O ˜ M ˜ ˜ ˜ H O C T M ˜n p O L ( e A y p MCTpe-
˜

K p e A M T o p a . C n e n o e a ˜ e n b ˜ o , c T ˜ ˜ ˜ o B ˜ O B˜ ˜ H MBO 3 M e u e H M R CO C T p a x o B a T e n R
M ˜T
BnRR C T p a X O B y D B b l n n a T y , C T p a X O B u M K 0
6 y ˜ ce ˜ H a
n p e K p a u a e T c r p a x o B o e 0 6 R 3 a ˜ e n b ˜ ˜ero B b l n n a r e H H y l o CYMMYC T p a x o B q M K
B0 cTpaxoeuvlKa, rehn n p e c n e n y e T rMcTo
368 rK), nocne rero cra- ( A O ˜ X H MB nenMK-

M c n o n H e H M e M (CT. c a M o r o cTpaxoBaTenR YTMnMTapHble U e n M .
- KpenMTO- K ˜ yXe M O X H O nOHFITb, 6 0 n b w o r o
K
HOBMTCR H a MeCTO CTpaXOBaTenR THOM 0 6 ˜ 3 a ˜ bCTBe).
en
T ˜ K M M6 p a 3 0 ˜ .
pa B O x p a n M T e n b H o M 0 6 m a ˜ e n b c r ˜ e . M H T e p e c a crpaxoeuwa B HeceHMM A a H H b l x
0 Mbl npMXOAMM K
c y 6 p o r a ˜ ˜ o˜n b -
Y K a 3 a H ˜ b l hBblBOA n O A T B e p w a e T C R M B b l B O A y 0 TOM, L(T0 B6 0 6 ˜ 3 a ˜ ˜ o c HeT, f nOCKOnbKy n p a B 0 T p e -
˜e i
weh
840 TK, csoe
2
H O P M O ˜n. CT. B COOTBeTCTBMM C cTeneHM 06paqae-r A ˜ ˜ C T B M˜ ˜ B ˜ H H R
O CTpaXOBUIMKa B03HMKaeTTOnbKO B
a npeaenax y n n a v e n n b l x crpaxoea˜enlo
nepewenwee K C T P ˜ X O B ˜ H K p a B o
˜o˜opofi K OXPaHMTenbHOMY, H e K CTpaXOBOMy
nY CYMM
(n. 1 CT. 840 TK). 3 ˜ oo3 ˜ a r a e ˜ , ˜ How a -
T P ˜ ˜ O B ˜ H Mc yIq e n B n n e T c R n M c co6nlo˜e- r
oF 06R3a˜enbc˜By.
Tetd H e M e H e e B onpeflene˜˜ohe n e H H
cT
HMeM f l p a B M n , perynMpyloll(MX OTHOLUeHMR KOrO B 0 3 H a r P a X A e H M R B A a H H O M C n Y U e
( 3 a c ˜ p a x o e a ˜ n b 1 ˜ ) y 6 p o r a u ˜ M e e T 3 ˜ a r e M Anne
c n˜ ˜ ˜ crpaxo- C T p a X O B u k l K H e nOny'4aeT. B TO B p e M R KaK
Memay crpaxoBaTeneM
nocnea˜ee
npeayc-
Apy-
H nMUOM, OTBeTCTBeHHblM 3 a Y ˜ ˜ I T K M . Boro 0 6 R 3 a ˜ e n b ˜ ˜ B a . 3 a ˜ ˜ ˜ a 0e6 b l rr ˜ o ˜ in p e A n p m H H M a T e n b -
. ˜f
CKOG /J,eRTenbHOCTblO.
rMMM CnOBaMM, ˜ O C T C Y ˜ P O ˜ ˜ ˜ M T a H H ˜M a T p M B a e T B 0 3 H M K H O B e H M e O˜FI!BHHOCTM
3On I˜
no T ˜ K M M6 p a 3 0 ˜ , M O X H O
CTpaXOBUMKa B 0 3 M e u e H M D BCRKOrO 0 rOBOpMTb
pa3BMTMR C T p a X O B b l X O T H O U ˜ ˜ H 6 y˜Q e ˜
M.
0 cy6porauw˜ a K CneACTBMvi
X a p a K T e p M 3 O B a T b C R n p e o 6 p a 3 o e a ˜ ˜ e yuep6a, n p M r M H e H H o r o c T p a x o B a - r e n l o M K ,Q˜˜˜CTBMR
˜
reopnn


perynvlpytounx rpaxqaHe M DpMnMrecKHenMua no csoehny
nneKc HOPM, cTpaxoeble
MMnepaTMBHblX HOPM 3aKOHOflaTeJlbCTBa,
O H W H R nMWb B KaLJeCTBe MCWlO'leHMR,
TO eM, YCMOTPeHMD PaCnOpRXaDTCR n H ea
p al -
MQ,X
npMreM HOPM, HecyqMx OnpeneneHHyD
˜ O C K O O ˜˜ M MnpaBMnOM 3neCb RBnReT-
˜ UK ˜ UMMM M rpaX,QaHCKMMM
M npaBaMM, B T M
O
couManbHyo ˜ a r p y 3 ˜ B ,qeM M COCTOMT U
y
'lMOle npaBOM Ha MX 3al4MTy. 6 3 O CMblOle
ee o T n M w e OT ycTynKM npaea ˜ p e 6 o e a ˜ ˜CTMXMC;(HO˜, 6 y c n o e n e ˜ ˜ o e
CR ˜ He 0 HM'lbMM TM
cnenye-r cornacmbcfl c M. SparMHcKMM, YT-
B O ˜ H M K ˜ DHa ocHoee corna-
˜˜R BO˜˜H˜˜RB˜˜HM˜M
HaqnneHMenpaxoeoro
(ueccw),
eepx,n,aiaqMM, TO ccnpaeo H ncK B npouec-
/12/. Mneane cTpaxoeaHMe
cnyrlaR Benb e a
UeHMR C O O .
TPH
CyanbHOM CMblOle M O X ˜ T ˜ ...YTOTO, KT0
˜IT˜
PaCCrMTaHO Ha C T M X M ˜ ˜ HHaCTynneHMe

MM˜˜˜˜TMBHocT˜,
MMCloUaRCR B BMnY,
06b- ˜e06nanae˜˜y6be˜˜˜˜˜bl˜MaTepManbHbl
CTpaXOBOrO cny'lafl KaK CnenCTBMe
KaCaeTCR O ˜ R ˜ ˜ H H O C T M
CTPaXOBUMKa 803-
npaBOM. O.II,H˜KO MOXeT CyueCTBOBaTb
MeCTMTb ˜ P M ' ˜ M H ˜ HCTpaXOBaTenD
H˜I˜˜ ˜ K T M B H O ˜ Y ' ˜ ˜ ˜ H O C He 3aBM˜fl4ek T
C˜ TM, O He
yu(ep6. Peqb, onHaKo, He MneT 0 6 vlMnepa- BonM OTnenbHOrO MHAMBMna. C Y ˜ ˜ ˜ K T M B H O T O T ˜ P M ˜ ˜ ˜ a ˜O ˜ O
M˜ np H a6e3
no e c e i /17/.
BeponTHocTM, ˜ O ˜ M ˜ M M npaea H npep;bmneHMe McKas
ca- a
T B O T cy6porau˜˜,
MH CM nOCKOnbKy TaKOBaR
M.
MOCTORTenbHOCTM n p a ˜ 0 ˜ 0 O C P K , M
Kf i T Y UM
H
B OnpeneneHHblx cnyqaqx MoxeT He MMeTb ˜ ˜ ˜ T M H C K M ˜O H B O pa3-
BMnMT C O H e
n M r M e ueccm M c y 6 p o r a u ˜ ˜
cy6poraqw˜npMnepxMeaeTcn n eeponei- s xapauepe
Korna crpaxoeoi cny-
Mecra, B qacTHocTM,
C a HayKa. T ˜ KB 'laCTHOCTM, BQ Y H ˜ ˜ B M ˜ H -
,
KR
c l a i 6b1nBbl3BaH ˜ ˜ ˜ c T B M R M LM ˜ JIM4 X
˜˜ I KM MHTepeCOB BCTynatOUerO 0 0 6 ˜ 3 a ˜ e n b c ˜ e o
crpaxoeaTenR B TaKoM cny'lae crpaxoea- nMua: nPM UeCCMM L ( ˜ C C M O CTPC˜ MT-˜
TanbHOM '4aCTHOilPaBOBOM IICCneAOBaHMM, H ˜ MM
n p o e e n e ˜ ˜ o ˜ a i r e p ˜ M X. K ˜ T u ˜ M , CR n p ˜ o 6 p e c ˜ n
K. u e 0˜
Tenb C M MOXeT OTKa3aTbCR O nOnY'leHMR
a T npaeo, n p w i a n n e x a u e e
ueneHTy, a npM c y 6 p o r a u ˜ u sbleecTM
-
cooTeeTcreylaqaR rnaea, noceRqeHHaR uec-
CT˜˜XOBO˜ BblnnaTbl, 'i˜06blM36e˜aTb nOC-
npM a , .
neflylolL(er0 M C T ˜ ˜ ˜ O ˜BblnnaqeHHblX
˜HHR CMM, He COnepXMT H enMHOr0 YnOMMHaHMR
M nOnXHMKOB M 0 6 ˜ 1 3 a ˜ e n b ˜ ˜ ˜3TOM
3
CYMMc ero 6 n ˜ 3 ˜ onMua ( A ˜ ˜ M H K B ˜ H T ˜ y . p o r a u ˜6onee Toro, npMBoAmble e
o c) 6 ˜. n p ˜ o 6 p e ˜ npasae
e ˜ ˜ npencTaenReT co6oi
ro
pa6o˜e cnoco6, K KOTOpOMy n p ˜ 6 e ero npno6pe-
OnHaKO 3 O HMKaK He YManReT 06˜13b1- A ˜ H H O ˜ npMMepbl3aKOHOnaTenbHblX
T r
ealoqero ( v l ˜ n e p a ˜ ˜ e ˜xapawepa aKTOB no BOflpOCaM U C M TaKXe HMKaK TaTenb /18/.
oro) eCM
aehcrevlfi crpaxoeqMKa no ocyLqecreneHmlo He OTpaXaDT n03MuM0, B C O B T T M C
O TeCB M 3necb ˜ a 6 n l o f l a e ˜ c ˜ e 6 o n b w a ˜ ,
R HO
MeTo.qonorwecKaR o w ˜ 6 ˜ a
˜o˜opoy6porau˜˜
ck
CT˜˜XOBO˜ RBnRnacb 6b1 p a 3 ˜ 0 - ˜ H ˜ L J M M ˜ R B
BblnnaTbl.
n p ˜ e e n e ˜ ˜ o e OTnuwe o6yc- BMAHOCT˜DUCCCMM /13/. CpaBHMBaHMM nByX Ka˜eropMh.E ˜ e a M n
sbllue
nOBMn0 HenpMMeHMMOCTb K cy6porauw˜ MOXHO nonsepraTb cpaeHeHnto uenm nMua,
B KarecTse npmepa MOXHO cocnaTbcR
no- nefic˜sytou(eroc HauepeHMeM e q n M T b B
npaeuna o a o p ˜ y c r y n ˜ ˜ ˜ ˜ O B ˜ H e R : TaKxe M Ha n p n ˜ u ˜ e e p˜ n e i c ˜ o r o
e T˜ HM nb o
˜ p e 6 y e ˜ c ˜ ˜ I O ˜ ˜ HcM F Ip ˜ a n b ˜ o c r e k , roeopHoro npaea /14/. rnaea 11 naHHblx Aoroeop, T.e. Ha ocHoee ceoero ce06on-
po
CO˜
Horo e o n e ˜ s a ˜ e n e ˜ ˜ f l , nwua (ecnw
nepexona npae. B ˜ P M H U M ˜ OMMeHyeMafl a y c ˜ y n ˜ a
B, npaea LI UenM
npenycMoTpeHHblx
(Assignment of claim), TaKxe 3necb eoo6qe npMMeHMMo cnoeo ccuenb))),
˜pe6oea˜n˜))
3 ˜ 0 hB 3 Henb3FI COrnaCMTbCR C BblCKa3bl-
C RM
B H R M OTnenbHblX aBTOpOB 0 c y 6 p o r a q ˜ ˜ He npenyCMaTpMBaeT H K K X HOPM, nOC- MaM BblflOilHROUe˜O B D 3aKOHHytO M He BCerna
aMM CO
npe.4-
KaK pa3HOBM˜HOCTM e C C M M / 8 / .
u BFlqeHHblX c ˜ ˜ ˜ o ˜ ˜ ˜ M M , ' LC O ˜ C T B ˜ H HM
JTo XenaHHyD O ˜ R ˜ ˜ H H O O C ˜ .O B H O ˜
CTH
O
n03BOnReTCAenaTb BblBOA 0 CaMOCTORTenb - nocbln˜oh. e o 6 x o n ˜,QJlR YCneWHOrO
˜ ˜oi
K ˜ M3BeCTH0, BCTynaR B nOrOBOpHOe
K
H C M flpaB0˜0k
OT KOHCTPYKU,MM ˜ J l e n ˜ e i . CpaBHeHMR, RBnReTCR COflOCTaBMMOCTb
Ilo
oTHolueHMe, C T O P O H ˜ I n p e c n e n y m Ha-
A H ˜ ˜ M ˜npaeo npM onpenenenMM
cTynneHne onpeneneHHblx O P M A M ˜ ˜ C K M X ˜cKO˜ c p a e ˜ ˜ s a e ˜ b 1 x o 6 b eMHaqecpaeHeHMe
˜roe.
c y 6 p o r a q ˜ ˜XOAHT
n o c n e n c ˜ e ˜KoTopble, B CBOKI oqepenb,
i, C UH C M
Y(OT M C M TT,
3 OO IlPOM3B0,QHTCRB pa3nMYHblX CMblCnOBblX
p R HMX
,
n
npeAcTaenRloT o n p e n e n e ˜ ˜ b ˜ LT BCnenCTBMe B03MeLL(eHMR nPMLJMHeH-
hO
J nnOCKOCTRX M, KaK CnenCTBMe, RBnReTCR
H M ˜ H H TOT
O
˜ a ˜ e p ˜ a n bMHTepeC /9/.
˜blh 3 HOrO CTpaXOBaTenD MMyUeCTBeHHOrO HeBepHblM.
npecnenym CTOPOH˜I, 3a˜n10qa- yqep6a C T ˜ ˜ X O B ˜ M K ˜ M C ˜ ˜ A P M - ˜ M. ˜
˜H M
MHTepec H OO nPYrOM MCTO'lHMKe ˜ ˜ M H CBK M ˜
louMe noroeop 0 6 ycrynKe npaea ˜pe6oea- 0 6 p e ˜ a e ˜ ˜ ˜ ˜ ˜ M L npaea: Inpaeo Ha q o p ˜ ˜ P H B O ˜ M T apry-
e
JH˜ X
Aea pa3sep˜yroi CBOO
e o 3 ˜ e ˜ yuep6a, npMHannexaswee MeHTauvlioe nonb3y ˜ P M ˜ H ˜ H M 6 p o r a u ˜ ˜
cy R
RPKO ˜ a ˜ ˜ bH l Tk ˜ np0- C
H R Ha˜6onee
M. M ˜˜ e˜˜e
FlenReTcsi y c p ˜ ˜ a ˜ c o sareHTa B floroeope c˜paxoeareno,M npaeo Ha npenbRenetiMe B KaqecTee P ˜ ˜ H O B M ˜ ˜ H O U ˜ C C M M/19/.
CTM
oro
QuHaHcMpoeaHMR non ycl-yn˜y M K , KOTOpOe CTpaXOBaTeJlb MMen K nMuY,
AeHemHoro Ca A e ˜ o p , 'laCTHOCTM, yKa3blBaeT, .IT0 COM-
B
˜ p e 6 o e a ˜ q n ˜ ˜ o p ˜(rnaea ) 37 rK), npM'lMHMBWeMy Bpen /15/. T ˜ K n0Cbln o˜
( ˜a ˜ra H H R B03HMKaKIuMe n0AaHHOMY nOBOny,
CM,
ocHoeblsaloqeM ceoe ˜ e i c H Mexa- e naeT ocHoeaHnR nnR sblneneHMR npouec-
˜˜˜
a ((AonxHbl, o.reeMnHo, oTnacTb nocne Toro,
rK, MMeR B B M ˜ ˜ ˜ C C M( B ˜ I -
cyanbHoro p a 3 n ˜ M e w y c y 6 p o r a u ˜ e i KaK n. 1CT. 382
r˜˜ Y
H 3 eUC M .
MM e C M D
B cnyqae me c c y 6 p o r a u ˜ e h n u e c c ˜ e h ,eblpaxaioqerocn B TOM. TO neneHo HaMM. - ‚¬I.%.), n p m ˜ a n ,
HMKaKoro TO npaeo,
MaTepManbHoro MHTepeca crpaxoeunK H npM c ) ' ˜ P o ˜ ˜ CTPaXOBUMK nPenbRBnReT
˜MM
e IlpMHameXaUee Kp‚¬!nMTOpy H O H B H M
a COaM
MCK K TpeTbeMy nMuy O MMeHM 3aCTpaXO-
HMeeT: YnnaLJMBaR 3a OTBeTCTBeHHOe nMu0 T 0 6 ˜ 3 a ˜ e n b c MOXeT 6blTb nepenaH0 M
˜˜a. M
no aenKe (yCTyn˜a p e 6 o -
˜
BaHHOrO, B T BPeMR KaK npM U C M MCK
B03MeqeHMe, O BblnOnHReT nMWb CBOD
H O eC M nPYrOMY nMUY
/lo/. nepek˜˜
3aKOHHYKI O ˜ R ˜ ˜ H H O C T ˜ C a ˜ a e
X npenbflenReTcR cTpaxoeqmou OT ceoero B ˜ H M F I )M n M K npyroMy nHuy Ha
cy6pora˜˜˜ M e M /16/. O H B H M 3aKOHa)) /20/.
MH COaM
3AeCb RBnReTCR nMWb MeXa-
npOTMBOnOnOXHOCTb COrnaCHO n o -
HwecKHM nepexonoM npae KpenlnTopa B Aerop YTBepXnaeT, '-IT0 ,QaHHaRHOpMa
KTPMHe OTeCleCTBeHHOrO 3aKOHOnaTenbCTBa
OXpaHMTenbHOM 0 6 ˜ 3 a ˜ e n b f f e e BOC-
nnfl B 4enOM nOCBRU(eHaJlMLub ueCCMM, M 'ler0,
3
nepeX0.4 C Y ˜ ˜ ˜ K T M B H O T O
MaTepManbHOrO
CTaHoeneHMfi MaTepManbHoro MHTepeca COOTBeTCTBeHHO, MOXHO flpeAnOnOXMTb,
no TO MY npaea nMuy o 3 ˜ a r a e ˜ no ero
E. K ApyroMy COOT- LJTO,
cTpaxoeu(l/rlta. noeony i-0˜3˜3 MHeHnlo, cyqecTeyeT n n w b
cy6- e e ˜ c ˜ e y l onepexon M npaea Ha 3 a q ˜ nepexona npae
LJTO uenb
cnpaeeAnMeo y˜a3b1ean, u˜i ˜yOAHO OcHoeaHHe KpenM-
nMUy - U C M (
porauMM C C O T B TOM, ' l ˜ 0 6 b l flpOCTO
OTM TOpa K ApyrOMy
AaHHOrO npaBa, BHe 3 B C M C M O TOrO,
aMM OT T YCT˜˜K˜
eC R
ocrae-rcfl n n p ˜ o 6 p e ˜ a ˜ e n b
m npe-
rapaHTMpOBaTb 3aUMTY MHTepeCOB nML(a, npaea B npaea T ˜ ˜ ˜ O B ˜ H o M M e ˜ ˜ n p y e ˜ a ˜
KMR).
/It/. rK
P@ COOTBeTCTByeT n. 1 CT.
HOpMa r K
XHeM nPaBOOTHOUleHMM M n M BCTyflaeT B
cosepwHeLuero nnaTex 339
eUe OTMeTMTb, TO npMHuMn HOBOe. C K ˜ ˜ ˜ n0flTBepXnaeTCfl nyH-
HHO˜
Cne˜yer PK. B ˜ M ˜ a ˜ e n baHanM3 A ˜ H H O ˜
˜blk HOPMbl
rK, COrnaCHO KOTOpOMy
I c y 6 p o r a u ˜ ˜ BKnOLJeH 8 0 6 4 ˜ ˜ 7 1 CTaTbM 8 ˜ e Hai
6b1n KOM- KO
TM rOBOpMTb 0 TOM, 'lTO B
flO3BOnReT
reopnn


nea o c n o e a H M n c y 6 p o r a u ˜ BblC'-iM-
˜.
c a M o M aerie c o g e p x a T c r r f l e p e X O f l n p a B K p e a M T O p a H a OCHOBaHMM RBnfleMblM B flOpRaKe
3 a ˜ o ˜ o f i a ˜ e n b ˜a w a . Yxe ˜ a ˜ n b
nepexoaa npas K p e a M T o p a ˜ a p y r o u n M u y .
y oro ˜ TblBaeTCFl H e C M O M e H T a OCYueCTBneHMR
li
(@KT rOBOpMT 0 H a n M q l l M nw60 OTCYTCTBMM
C O O T B ˜ T C T B Y b l B O˜ M b l T e K a e T M3
B ˜ ˜ A B˜ ˜ C T ˜ ˜ X O BBO l n n˜ T b l ( M O M e H T a n e p e X O a a
b˜ a
B O ˜ ˜ M ˜ ˜ F ˜y B p e n M T o p a , q b e npaso aC
K˜ ˜ H M R T ˜ ˜ ˜ O B ˜ H M R )M,O M e H T a HaCTynneHMR
C?MOrO COAepXaHMR HOPMbl: f l p a B O M O X e T
6blTb n e p e n a H o no w e n i c e (1) MnM H a o c ˜ o - y c r y n a e T c n n p ueccvlul M n e p e x 0 a M - r B c M n y
˜ CTPaXOBOrO Cny'iaR, T.e. C MOMeHTa B03HMK-
˜ ˜ ˜ ˜ C Ta B M o ˜ o a a ˜ e n b aKTa. oCOOT- HoseHMR y c r p a x o e a T e n R npaea ˜ p e 6 o s a t i ˜ f l
BaHMM 3aKOHOaaTenbHOrO aKTa (2). a˜ R ˜or
K nlluy, OTBeTCTBeHHOMY 3 a B p e A /23/.
OUIM˜OCIHOCT˜‚¬ i e , Q e ˜ ˜ ˜ fl03MuMM
flpM ˜ BeTCTBeHHO, H ˜ O ˜ X O ˜ M M O KOHCTaTMPOBaTb
H ˜ ˜ M ˜ M ˜ ˜ K T Y n p aH n e n ˜ o i i
˜a ˜ B sO
M. 6parMHCKOI0, KaK yXe M O X H O nOHFlTb, T ˜ C a M b l M B flPOTMBO˜OnOXHOCTbCM-
M
eon^ K p e -
06 TyauMul c p e r p e c c o h n , 0 6 p u c o ˜ a ˜ ˜ o l i
flpOMCXOflMT T O n b K O 113 T o r 0 C ( ) B K T ˜ ,VTO AMTOpa B f l e p B O M C n Y q a e M, HaflpOTMB, ebltue.
ocyuecrenenne crpaxoeoli eblnnaTt.1 T e n e p b
pewalouero,
aeTop He yclmbleaer Ha H a u OTCYTCTBMM T ˜ K O B O ˜ BTOPOM c n y q a e .
BO
&xi Y R C H ˜ H M RC Y ˜ H O C T Mcy6poraq˜m 6yae˜3 ˜ a q a ˜ b nepexoa n p a e a T ˜ ˜ ˜ O B ˜ H
COOT- 0 M
B 3 r n R A , 3Ha'-IeHMR C O l o 3 a ((MnM)).
eamiioe 3 ˜ a q e MMeeT ee o T r p a H w e n M e no OXpaHMTenbHOMy 0 6 F l 3 a T e n b ˜ ˜ B y K =pa-
˜˜e
BeTCTBeHHO, BblflenFlloTCR A B a OCHOBaHWFl
˜ a p y r o nwy: perpecca,
˜y XOBUMKy; C 3TOrO Xe MOMeHTa B flOpR,D,Ke
K O T O P ˜ I ˜ ˜ o n b 3 o e a n cB˜
˜cn
OT
nepexoaa n p a e KpeanTopa
˜ M C ˜ ˜ O ˜ M T M B H O ˜ n. 2 CT. 827 rK ripe-
1) y c l y n K a npaea ˜ p e 6 0 B a H M R(U˜CCMFI) M CTpaXOBOM 3aKOHOaaTenbCTBe, &IcB-
?To
? HOPMbl
a0 Oc06e˜˜oli
2) a e l i c ˜ e ˜ e P M ˜ I3 a ˜ o ˜ a ,K a q e c T B e BaBtueM npMHFlTMFl ClaCTM
HO KpauaeTcn cTpaxoeoe 0 6 ˜ 3 a ˜ e n b c ˜ e o .
B
r p a m a a H c K o r o K o a e K c a PK /21/.
onnoro ˜3 c n y q a e e K o T o p o r o M B b l c r y n a e T H˜CMOTPR C O C T O R B W M ˜ C R
Ha OTXOP, OT
Perpecc, MnM 06pa˜noe p e 6 0 B a H ˜ e ,
cy6porau˜˜. perpecca, B
T ˜c n o n b 3 o e a KOHCTPYK˜MM
˜˜˜l
3aKOHOaaTenbCTBe.L(0 CMX flop BCTpeYaDTCfl
n p w s e ˜ e ˜ B n.e CT. 339 TK a e n e ˜ ˜ eRenReTcn T ˜ ˜ ˜ O B ˜n M u a , ˜ cM o n H M e -
˜o 1 HMMn
nepexoaa npae K p e A m o p a H e wero 06Fl3a˜enb˜TB0flpyrOrOnMua, TO MY
ocnoea˜˜li cnyrau c M e u e H M R ( u n ˜no ˜ p a l i ˜ e e ip e ,
, Ml
K
˜ ˜ 339 - 346 TK nos-
c n y q a l i n o . A ˜ a n a a3 e l i BTOPOMY n M u y e p a 3 ˜ e p e c n o n n e H H o r o
M H e e e p H o r o ˜ c n o n b 3 0 e a ˜ o˜ T sl e T c r e y -
c o˜
0 6 R 3 a ˜ e n b ˜ ˜ B a n. 1 CT. 289 rK). n p M
BOnReT ˜ ˜ M R K CJle)3,ylouMM BblB0,QaM.
TM D ˜ M X ˜ P M M H O B ) c y 6 p o r a u ˜ ˜perpec-
(CM. T M
cJlejl,yeT H a W T b CO ˜ ˜ a ˜ e f- 343:
341 i 115 Hanoroeoro
T ˜ K n0,QflyHKT 5
,
P e r p e C C e H a p R a y C OXPaHMTenbHblM 06533a- Ca. CT.
((O6aeu npae K p e a M T o p a , n e p e x o n n u M x K r ˜ tie R s n n l o T c e
o
TenbCTBOM, B03HMKUIMM M e W y CTpaXOBa- K o a e K c a ycTatiaenMaaeT,
n p y r o M y nMl(y)) (CT. 341), ˜ ˜ o ˜ a 3 a ˜ e n b c r T e a e M ( n o ˜ e p n e e w M ˜ )˜ ˜ T ˜I˜MIJOM
˜T O ˜ ˜ ˜ K THO˜ M O ˜ O O ˜ ˜ O c r p a x M ˜ o i
X˜H oR
en MM ˜
npae H o s o r o K p e a M T o p a n (cr.342) M ((Bo3- ( n p ˜ w n ˜ ˜ epeaa), B O ˜ H M K ˜ ˜ T
ene˜ (nepecrpaxo˜or˜ok)p
o r a ˜ ˜ 3 a QOXO-
q˜u
HOBO^
a b l fl0 T P ˜ ˜ O B ˜ H MB f lM p R a K e c y 6 p o r a u ˜ ˜
p a X e H M R n O n X H M K a flpOTMB T ˜ ˜ ˜ O B ˜ H O ˜ ˜RE J˜ T I
M˜ ˜ ? I C EO
˜T MeXfly CTpaXOBlL(MK0M R0
343). H ˜ M M ˜ H O (-K P ˜ ˜ M T O P O M M nu4 no a o r o e o p a h n
HOBOrO KpeaMTOpa)) (CT. flPM'4MHMTeneM B p e A a ( p e r p e c c a ) OT T p e T b M x
)
CTpaXOBaHMFl ( f l e p e ˜ T p a ˜ 0 B a t i M R APY˜MM
( ˜ O ˜ X H M K O M no f l O B 0 A y B O 3 M e q e H M R
BaHMR n P M B e A e H H b l X ˜ T a T e kf l 0 C T p O e H b l ).
)
cy6porau˜˜ M per-
C ˜ M M ,B b l n n a q e H t i b l x c T p a x o e q l n K o M
TaKMM o 6 p a 3 o ˜ , T 0 H e fl03BOnRloT CYaMTb
q npMMepoM c M e w e n m
pecca R e n f l e T c n MHCTPYK˜MR B e a e H M l o
no
crpaxosaTenlo e nopRaKe ocyqecTsneHMfi
0 TOM, '-IT0 COOTBeTCTBylOuHe HOPMbl CBOMM
6yxran˜epc˜oroe T a onepaunli no crpa-
C T ˜ ˜ X O b ˜l l n a T b l .˜ B ,QaHHOM C n Y q a e
OXBaTblBaloT n M W b CnylraM YC- Bl ˜O yq
˜˜˜CTBM˜M
TyflKM ˜ p e 6 o ˜ a ˜ c ˜Ma ) nn60 TOnbKO
(L ˜ c M X O B ˜ H M OM n e p e c T p a x o e a H c l l o e o T p a c n M
OCHOBaHMeM B03HMKHOBeHMR OXpaHM-
T e n b n o r o 0 6 ˜ 3 a ˜ e n b c ˜RenReTcR c p a l c ˜ ((0614ee
sa
flepeXOAa n p a B Kpep,MTOpa H a OCHOBaHMM CTpaXOBaHMe)), Y T B e p W e H H a f l n 0 C -
n p M r w t i e H M R B p e a a c T p a x o s a T e n l o , a per- TaHOBneHMeM n p a B n e H M R H ˜ ˜ ( M o H ˜ ˜ ˜ H
3aKOHa. blHblMM CIIOBaMM, R a H H b l e CTaTbM
pecctioro 06Fl3aTenbcTBa - o c y q e c T s n e H w e
a e l i c T ˜ ˜ ˜ e p ab n po c r p a H R l o T c n H a 06e 6 a H K a P e c n y 6 n K ˜ ˜ ˜ x OT 16 anpenn
˜˜˜ cT˜H
n c˜ o
nepexoaa npae K p e -
rpynnbl o c n o e a ˜ ˜ l i 2004 roaa Ns 61. rnaea 4 MHCTPYKUHM,
C T ˜ ˜ X O B b l n˜ a T b l .
BO n˜
B ˜ f l n e H M B cMny O c o 6 e ˜ ˜ qacrM rK oli KaK yXe BMaHO, YflOMMHaeT 0 c y 6 p o r a q ˜ ˜
)JMTOpa, IlpeflYCMOTpeHHblX B y K a 3 a H H O M e
no-
nyHKTe 1 CT. 339 rK, W M , C O ˜ C T B ˜ H H O , 0 3 H a M e H O B a n O 0TXO.Q O T ˜ ˜ ˜ C T B ˜ H H O G n n t u b B H ˜ ˜ B ˜ H ( Y Me ˜ o n e p a q ˜ l i per-
(M r no
M
p e C C H O M y ˜ p e 6 0 B a ˜ M ( o y 6 p o r a ˜ u ˜ ) no
lc )),
KTPMH˜I(no ˜onpocy n o p a a K e B o c c r a n o e -
o
npeaycMaTpMsaloT Mhnelounecq M e m a y
nenm M M y u e c r e e n H b r x n p a e c r p a x o e q m ˜ a ) B C e M y Xe TeKCTY p e q b MGeT 0 PerpeCCHblX
HMMM CXOaCTBa.
H a n p o ˜ ˜ n o,c n e f i y l o u M e H O P M ˜ I(CT.
e OT M C ˜ O ˜ ˜ ˜ O BKOHCTPYK˜MMperpecca. Tpe60BaHMFl˜ CTpaXOBuMKa.
˜HMR
CT. 344 - 346) f l O f l r e p K H y T 0 MHflMBMaya- A e l i c r e y l o u ˜ l ir p a X j J a H c K M h KOGeKC n p M - Y K ˜ ˜ ˜ H U M ˜R AOflyCKaeTCR M Cy-
O H ˜ K˜
, q e p m M s a e T c R M ˜ X ˜ H M y˜ p o ˜ a u ˜ ˜ , a e 6 ˜ o h ˜ ˜ K T M T ˜ KMOTMBMPOBO'iHaR
c 6M r K O ˜, .
n ˜ 3 ˜ p y˜ l o ˜ ˜ b ˜ l inepexona npae
cnyrali ˜
a
q X T b flOCTaHOBneHMR cyae6˜oli
n p M K O T O P O ˜H O B O r O 0 6 ˜ 3 a T e n b ˜ T B no
K p e a M T o p a . K n p M M e p y , CT. 344 Q e n M K o M a KOnnerMM
nocefluetia B T O P O ˜rpynne o c ˜ o e a ˜ ˜ 0 3 M e u e H M l o Y ˜ ˜ I T K O B 803HMKaeT, a, KaK
Bh fl0 r p a X A a H C K M M a e n a M A ˜ M ˜ T M H C K O ˜
He
yXe 6 b l n o OTMeqeHO, B yXe f l e l i c T B y l 0 ˜ e M ropoactcoro cyaa OT 14 MIOHR 2002 roaa
flepeXOAaflpaBKpeaMTOpa-HaOCHOBaHMM
3aKOHOnaTenbHblX aKTOB. B ˜ B Y fX0 C n e a y - N 33-1076/2002, CCblnaRCb H a fl. 1 CT. 840
n
OXpaHMTenbHOM 0 6 R 3 a T e n b ˜ ˜ B e npOMCX0-
l
rK, BCe Xe yKa3blBaeT, .IT0 CYaOM flepEi0fi
loU\MX CTaTbFlX (CT. 345 ( ( Y C J l O ˜ k l f YCTYnKM AMT 3 a M e H a K p e n M T O p a /22/.
l
˜ p e 6 o s a n n ˜M )CT. 346 ((CDop˜a C T ˜ ˜ K M
) ˜ ˜ ˜ K T M ˜l p˜ B e AK H H a R p a 3 H M u a
f MC eM
Y MHCTBHuMM 6 b 1 n 0 O ˜ O C H O B ˜ H H O OTKa3aHO B
M e X j J y cy6porau˜eli p e r p e c c o M s b l p a -
˜ p e 6 o s a ˜ ˜ 3aKOHOjJaTenb H a M e p e H H O
nn) M yaoeneTeopenMvl p e r p e c c H o r o ncKa cTpa-
x a e T c n B TOM, TO p e r p e c c H o e T p e 6 0 e a ˜ M e XOBLL(MKa. A BOT B b l a e p X K a M3 flOCTaHOB-
OlOBapMBaeT, '-IT0 p e Y b B HMX M a e T MMeHHO
06 YCTynKe npaea T ˜ ˜ ˜ O B ˜( U ˜M CR M ) , o c y q e c T e n f l e T c n no M H ˜ I Mnpaemau, r e M neHMR K o n n e r ˜ v no r p a y q a H c K M M A e n a M
l
HC M
˜ p e 6 o s a n ˜ e n e p e o t i a . l a n b n o M y 0 6 ˜ - B e p x o e n o r o cyaa PK OT 18 a n p e n R 2 O O l roAa
no
r e M orpaHnrHsaeT n e l i c r e ˜ e ooTseTc- c
Ns 3˜-115-01: O C H O B ˜ H M M y n ˜ 26ano-
n ˜
3 a ˜ e n b c r e y( q a c ˜ b n. 1 CT. 339 TK). TO
2 ((Ha
T B Y l o u M X H O P M TOnbKO u e c c M e l i , M MMM
H e o x e a T b l e a l o T c R c n y r a M nepexoaa n p a e KacaeTcR npaea T ˜ ˜ ˜ O B ˜ H M F I ˜ H M K W ˜ ˜ OO X e H M R ( ( 0 6 0 6 f l 3 a T e n b H 0 ˜
BO, n CTpaXOBaHMM
K p e a M T o p a H a o c H o e a t i n M 3 a ˜ o ˜ o a a ˜ e n b B n o p R a K e c y 6 p o r a q ˜ TO, o c y u e c r e n R e T c R
˜ ˜ ˜ ˜ X ˜ ˜ H C KOTBeTCTBeHHOCTM B O O-˜˜˜˜
-
O H 0 C C O ˜ ˜ ˜ ˜ . I JTeX Xe ˜ M ˜ H M CaMblX flpaBMfl, e n a a e n b u e e aeToTpaHcnopTHblx cpeacTen
HblX aKTOB.
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npu a ˜ a n ˜ n. e CT. 840 rK B O ˜ H M K ˜ ˜ U e H M R B3blCKaHMR H a 3TO MMYUeCTBO, M O -
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B OTHOWeHMM MMyU(eCTBa a 0 n X H M K a . OX-
npeAyCMOTpeHa TOnbKO B Cny'iae OCyUeCT-
3 ˜ 0 CMTYaUMM M C n y X H T c y 6 p o r a u ˜ /24/. HOCTb A ˜ H H O ˜
BneHMR C T ˜ ˜ X O B b l n n a T b l B n O n b 3 Y
BO ˜ ˜ i ˜n CMTYauMM 3aKnlo'iaeTCR B TOM,
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M
TOT, HM apyrok I / ˜ M ˜ H H O 0 I lip M r M H e
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K /25/. OTfiaeTCR KpeAMTOPY, 'ibe n p a B O ˜pe6osa-
el
(a 816). ˜ ˜ n 0 n b 3 0 B a ˜ B 3aKOHOfiaTenbCTBe
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Y K ˜ ˜ ˜ H a TO, R TO
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raR n p a B o TpeTbero
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noaxop, 3 a ˜ o ˜ o ˜ a r eonpaeaati, M KaKMe- ceoero npasa, n p M -
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BblflnaTbl 0 6 b l C I ˜ 0 RBnReTCR CTpaXOBaTenb.
KOTOPble, OTllO'iKOBaBWMCb OT n o n o x e ˜ n i q e H H b l x B O r o B a p M B a e M o e O ˜ ˜ ˜ C T B ˜ H HO˜
B M ˜ C T ˜ e M H a BCe O C T a n b H b l e Cfly'iaM
CT
O T H O U e H M e C ˜ ˜ ˜ ˜ K T M ˜ H .H O l a H H o e
MO B
M O A e n b H O r O rK, B OCHOBe C B O MMelOT ˜˜ p
flOnOnHMTenbH0 yKa3blBaeTCR BblrOAOnpM-
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oh O ˜ C T O R T ˜ ˜ ˜ C T B O ,a W B3rnRA, M RBJlReTCR
Ha H
0 6 p e ˜ a ˜ e n b .T M M
˜ MC'iePnblBaloTCR BCe
6 n e ˜ eP e v b M a e T o nonoxetimnxm p a x o e o -
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no- T e M Y H M B e p C a n b H b l M H a q a n O M , KOTOPOe
MorylqMe 6 b l ˜ b
CnY'iaM, K O r A a TaKMM
reopna


Xe /28/. B 3
nepexoaa npae 3 a K O H a , 'iT0 H e O A H O M TO ˜05
0 6 b e n M H R e ˜B c e c n y q a M O ˜ R ˜ ˜ H H O T PTX O B U M K a 3 a K p e n n e H a 8
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M. C y n e h ˜ e H o B ,
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l
344 rK).˜ nocpenc-
y ˜ a 3 b 1 e a l o ˜ m G 1TO n o H R T M e unepexon npae
OP-
3 a K O H O n a T e n b H b l X aKTOB (CT. , ˜ O ˜ M T M B H O ˜ Oe a , a B b l p a m e H a
npa
me natitioe K p e A M T O p a K a p y r O M y n M U y ) ) W M p e , CIeM
Manbtio H a v a n o BblpamaeTcR TBOM 3 a B y a f l ˜ p 0 ˜ a H H 0 HiO P M b l , KOCBeHHO
f
o64ero K O M n n e K C a HOPM,
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n B b l T e ˜ a l o q e f M3
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nepexon npae 6 y f l e ˜ M e T b M e n o : so-nep-
M H e n O C p e a C T B e H H O UeCCMM, B K n l o C I a e T T a K X e P e r y n k l p y l o u M X C T p a X O B b l e OTHOWeHMR.
C 3TMX
B ˜ I X ,y ˜ a 3 a ˜ n e ˜c a T˜ a u M m B 3 a ˜ o M, e
n yo i ˜ M n e p e X O n H a OCHOBaHMM 3 a K O H O f l a T e n b H O - n o 3 ˜ q XO'ieTCR
˜h OTMCTMTb, 'iTO
ro a K T a /29/.
00-BTOPblX, H a C T y n n e H M e y K a 3 a H H b l X B H e M
n p o 6 n e ˜ a a ˜ n l o q a e ˜ cTOM, TO
T˜T (
O ˜ C T O F I˜ C ˜ BH)PM˜M'˜˜CKQ˜KTOB)
MX s B˜
n e i c ˜ y˜˜ ˜ 3 a ˜ ˜ o f i n. 3 CT. 276 TK,
ae
1 CT. 344 TK). HOPMU
(a63au
K ˜ M B CnY'iaRX, Y K a 3 a H H b l X B n O f l n y H -
K n O M M M 0 B C e r O n P O ' 4 e r O . 6 y g e ˜b l p a X a T b C R
B
KTe 3 CT. 344 ( ˜ c n o n ˜ O ˜˜ ˜ ˜e T ˜ J I ˜ C T BH˜C O ˜ X O ˜ M M O C TC O ˜ ˜ K J C T n M C b M e H -
e FI ˜ M
B M
@OPMY cnenw s T e x c n y q a R x , K o r n a
˜ylo
ero r a p a H T o M , n o p y q M T e n e M M n M 3 a n o -
r o a a ˜ e n e ˜a ,T a K x e B n o a n y H K T e 4 CT.
) c n e n K a , noponfiswafi n p e a y c M o T p e n H o e B
344 ( c y 6 p o r a u ˜ ˜ T p a x o e U n K y npas n. 3 CT. 276 0 6 R 3 a ˜ e n b ˜ ˜ B 0 1 n a coeep-
Kc 6b ,
WeHa B ˜ M C ˜ M ˜ H H O ˜ APY˜MMM
no K
K p e a M T O p a K ˜ ˜ o ˜ x H M K ˜ )y , a 3 a H H O M y QOPMC.
Jln˜epa-rypa
B n. 3 CT. 276 c n y q a l o B K a q e c T s e n a H H o r o CnOBaMM, YnOMRHyTOe T p e T b e n M u 0 A n R
o ˜ C T O R T ˜ ˜ ˜6C T B ˜b l C T y f l a T b C a M KT 1. J.M.J. Choruset al. (eds.), Introduction to
yne˜ n p e n o T e p a q e H m yTpaTt.1 c B o e r o npaea
B
Dutch law. Third, revised edition, Chapter
MCnOnHeHMR 0 6 ˜ 3 a ˜ e n b c T EAMHCTB˜HHO,˜a. n O n X H 0 3aKnlo'iMTb C a e n K y YCTYnKM n p a B a
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M. 6 p a r M H c K O r 0 , RBnReTCR TO, CITO 3 T M M Q ˜M˜ IM
Kluwer Law International. 1999, p. 203.
a B T O p n p M 3 H a e T , .IT0 p e q b B n. 3 CT. 276 MQeT p e w e H M e M ˜ e n b c3 r˜ a c M T b c f l .
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r0 CJly'iaR, K CTPaXOBLL(MKY, O C Y u e C T B M B U l e - A a H H O M Y CJly.laio npaBMn
npaso. M.: 1 3 ˜ a ˜ e n b c ˜HOPMA. 2002.
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