ВЪЗМОЖНОСТИ ЗА ОПТИМИЗИРАНЕ НА ЗАСТРАХОВАТЕЛНО-ТЕХНИЧЕСКИТЕ РЕЗЕРВИ ПО ЗАСТРАХОВКА „ГРАЖДАНСКА ОТГОВОРНОСТ“ НА АВТОМОБИЛИСТИТЕ
POSSIBILITIES FOR OPTIMIZING THE TECHNICAL RESERVES RELATED TO MOTOR THIRD PARTY LIABILITY INSURANCE

Summary/Abstract: In recent years, Motor Third Party Liability insurance has been leading in terms of premium income earned on the Bulgarian insurance market. This requires the creation of significant amount of technical reserves by insurers. Optimizing their size is a priority for any insurance company. The article describes some problems related to the implementation of the Motor Third Party Liability Insurance in Bulgaria. The main problems in this connection come from existing regulations within the country. The article also proposes possible solutions for optimizing the amount of technical reserves such as: introduction of the Bonus - Malus system; on-line sale of the insurance policy; eliminating the requirement to stick a holographic sticker on the vehicle glass.

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