Features of the of tort risk implementation in the system of compulsory insurance of civil liability of vehicle owners

The authors discuss the problem of organizing Compulsory Motor Third Party Liability insurance. The main directions of tort risk manifestation in insurance under CMTPL agreements are analyzed. Particular attention is paid to the implementation of tort risk, expressed in insurance fraud. The authors assess the possible consequences of providing inaccurate or false information when concluding an insurance contract. Possible directions of delinquency in the process of settlement of losses are assessed, the analysis of typical patterns of violation in the car service station, as well as e-CMTPL, is carried out. Reasons that allow the implementation of these schemes are identified. The article provides an analysis of the methods of delinquency of insurance payments for CMTPL insurance in cash and in kind. The authors analyze the system of pre-trial settlement of losses, in particular, the role of the financial ombudsman in the process of minimizing tort risk is considered. However, this system for preventing tort exposure has its drawbacks.