pravoПравоприменениеLaw Enforcement Review2542-15142658-4050Dostoevsky Omsk State University10.24147/2542-1514.2017.1(3).82-89pravo-99Research ArticleПРИМЕНЕНИЕ НОРМ ПРАВА ОРГАНАМИ ГОСУДАРСТВЕННОЙ ВЛАСТИTHE LAW ENFORCEMENT BY PUBLIC AUTHORITIESПерспективы страхования как механизма обеспечения доступности юридических услуг в РоссииThe prospects for legal expenses insurance as a mechanism of ensuring availability of legal services in RussiaПанченкоВ. Ю.PanchenkoV.

Доктор юридических наук, старший научный сотрудник кафедры теории и истории государства и права Юридического института

SPIN-код: 5096-0428, AuthorID: 404254

Doctor of Law, Senior Research Fellow of Theory and History of State andLaw Department, Law Institute

SPIN-code: 5096-0428, AuthorID: 404254

panchenkovlad@mail.ruМихалеваА. Е.MikhalevaA.

Стажер-исследователь кафедры теории и истории государства и права, Юридический институт

SPIN-код: 2922-8352, AuthorID: 873523

Probation-Explorer of Theory and History of State and Law Department,Law Institute

mihaleva_anastas@mail.ruСибирский федеральный университетРоссияSiberian Federal UniversityRussian Federation201703102017138289Copyright © Панченко В.Ю., Михалева А.Е., 20172017Панченко В.Ю., Михалева А.Е.Panchenko V., Mikhaleva A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://enforcement.omsu.ru/jour/article/view/99

В статье делается вывод о том, что страховые механизмы обеспечивают гражданам возможность минимизировать юридико-экономические риски, связанные с возникновением правовых ситуаций, которые требуют непредвиденных финансовых затратна получение профессионального правового содействия. На основе анализа опыта зарубежных стран авторы обосновывают позицию, согласно которой страхование может стать альтернативой системе бесплатной юридической помощи, субсидируемой за счет средств государственного бюджета. Несмотря на ряд политико-правовых препятствий, создание эффективной модели страхования расходов на юридическую помощь необходимо для модернизации российской правовой системы и формирования культуры своевременного обращения за юридическими услугами к квалифицированным специалистам.

The subject

The subject. Nowadays a variety of civil law studies actively discusses the issues of insuranceregulation. However, legal expenses insurance is unknown to Russian legal doctrine andpractice. The research focuses on legal expenses insurance.The purpose of the article is to reveal a potential that legal and economic instruments have incomparison to other guarantees of unobstructed enjoyment of the rights and legitimate interests.The methodology. It is a comparative law approach that allows to describe the peculiaritiesof legal expenses insurance in foreign countries, outline the criteria to match the existingmodels, determine their similarities and differences as well as benefits and drawbacks. Economicanalysis of law is helpful to evaluate the convenience of a new tool for citizens andits influence on the level of their legal expenses.The results, scope of it’s application. As a result, the article argues that legal expenses insuranceimproves the financial accessibility of qualified legal assistance and stimulates legalactivity, since it does not impose any formal restrictions on the clients, the content of thecontract or the sphere of its application. Meanwhile, the research formulates and characterizessome difficulties that may occur in the course of introduction of this institution toRussian law. Primarily, such obstacles include the low level of insurance culture, the needof significant amendments to legislation in force and the lack of professional expertise inthis field. Despite different political and legal obstacles, it is necessary to create an effectivemodel of legal expenses insurance in Russia in order to improve Russian legal system andform the culture of getting legal services in time.Conclusions. The insurance mechanisms provide citizens with an opportunity to minimizetheir legal and financial risks connected to unforeseeable situations, which require coveringcosts of professional legal assistance. The authors conclude that legal expenses insuranceis able to become an additional guarantee to the right to qualified legal assistance in caseof appropriate adaptation to current conditions of Russian legal life and legal mechanisms.

 

 

Страхованиеюридическая помощьюридические услугиюридическое содействиеюридические препятствияреализация прав и законных интересовправовое регулированиеправовая жизньInsurancelegal aidlegal serviceslegal assistancelegal obstaclesenjoyment of the rights and legitimate interestslegal regulationlegal lifeReferencesПопова А.Д. Общественные механизмы расширения доступности юридической помощи как часть процесса становления гражданского общества / А.Д. Попова // Гражданское общество в России и за рубежом. – 2014. – № 1. – С. 28–31.Popova A.D. Social mechanisms of broadening the accessibility of legal assistance as a part of the process of civil society formation. Grazhdanskoe obshchestvo v Rossii i za rubezhom = Civil Society in Russia and Abroad, 2014, no. 1, pp. 28–31. (In Russ.).Романенков А.Ф. Конституционное право на квалифицированную юридическую помощь: проблемы теории и практики реализации в Российской Федерации / А.Ф. Романенков // Вопросы судебной реформы:Romanenkov A.F. Constitutional right to qualified legal assistance: problems of theory and practice of implementation in the Russian Federation. Voprosy sudebnoy reformy: pravo, ekonomika, upravlenie, 2009, no. 1, pp. 66–77. (In Russ.).право, экономика, управление. – 2009. – № 1. – С. 66–77.Shamshurin L.L. Legal assistance as a guarantee of court accessibility in civil proceedings. Rossiiskii sud`ya = Russian Judge, 2011, no. 1, pp. 7–12. (In Russ.).Шамшурин Л.Л. Юридическая помощь как средство обеспечения доступности правосудия в сфере гражданской юрисдикции / Л.Л. Шамшурин // Российский судья. – 2011. – № 1. – С. 7–12.Regan F. The Swedish legal services policy remix: the shift from public legal aid to private legal expense insurance. Journal of Law and Society, 2003, vol. 30, no. 1, pp. 49–65.Regan F. The Swedish legal services policy remix: the shift from public legal aid to private legal expense insurance / F. Regan // Journal of Law and Society. – 2003. – Vol. 30, № 1. – P. 49–65.Velthoven B.C.J., Haarhuis C.M.K. Legal aid and legal expenses insurance, compliments or substitutes? The case of the Netherlands. Journal of Empirical Legal Studies, 2011, vol. 8, no. 3, pp. 587–612.Velthoven B.C.J. Legal aid and legal expenses insurance, compliments or substitutes? The Case of the Netherlands / B.C.J. Velthoven, C.M.K. Haarhuis // Journal of Empirical Legal Studies. – 2011. – Vol. 8, iss. 3. – P. 587–612.Kilian M. Alternatives to Public Provision: The Role of Legal Expenses Insurance in Broadening Access to Justice: The German Experience. Journal of Law and Society, 2009, vol. 30, no. 1, pp. 31–48.Kilian M. Alternatives to Public Provision: The Role of Legal Expenses Insurance in Broadening Access to Justice: The German Experience / M. Kilian // Journal of Law and Society. – 2009. – Vol. 30, № 1. – P. 31–48.Bello L. In case of emergency. Consumer analysis of legal expenses insurance. 2011. 35 p. Available at: http://www.consumerfocus.org.uk/files/2011/08/In-case-of-emergency.pdf (date of access: 20.03.2017).Bello L. In case of emergency. Consumer analysis of legal expenses insurance. 2011 / L. Bello. – 35 p. – URL: http://www.consumerfocus.org.uk/files/2011/08/In-case-of-emergency.pdf (date of access: 20.03.2017).Kilian M., Regan F. Legal Expenses Insurance and Legal Aid – Two Sides of the Same Coin? The Experience from Germany & Sweden. International Journal of the Legal Profession, 2004, vol. 11, pp. 233–255.Kilian M. Legal Expenses Insurance and Legal Aid – Two Sides of the Same Coin? The Experience from Germany & Sweden / M. Kilian, F. Regan // International Journal of the Legal Profession. – 2004. – Vol. 11. – P. 233–255.Pfennigstorf W. Legal Expense Insurance. The American Journal of Comparative Law, 1975, vol. 23, no. 3, pp. 451–489.Pfennigstorf W. Legal Expense Insurance / W. Pfennigstorf // The American Journal of Comparative Law. – 1975. – Vol. 23, № 3. – P. 451–489.Hodges C., Peysner J., Nurse A. Litigation funding: status and issues. January 2012. 158 p. Available at: http://www.csls.ox.ac.uk/documents/ReportonLitigationFunding.pdf (date of access: 20.03.2017).Hodges C. Litigation funding: status and issues / C. Hodges, J. Peysner, A. Nurse. January 2012. – 158 p. – URL: http://www.csls.ox.ac.uk/documents/ReportonLitigationFunding.pdf (date of access: 20.03.2017).Konin V.V. Right to qualified legal assistance and its accessibility. Some theoretical questions. Advokat = Advocate, 2013, no. 6, pp. 9–16. (In Russ.).Конин В.В. Право на квалифицированную юридическую помощь и ее доступность. Некоторые теоретические вопросы / В.В. Конин // Адвокат. – 2013. – № 6. – С. 9–16.Morozova N.A., Panchenko V.Yu. Financial accessibility of legal assistance in administrative proceedings. Rossiiskii sud`ya = Russian Judge, 2013, no. 5, pp. 40–42. (In Russ.).Морозова Н.А. Финансовая доступность юридической помощи по делам об административных правонарушениях / Н.А. Морозова, В.Ю. Панченко // Российский судья. – 2013. – № 5. – С. 40–42.Panchenko V.Yu. On the types of legal assistance accessibility: some aspects. Social`no-politicheskie nauki = Sociopolitical sciences, 2013, no. 1, pp. 43–45. (In Russ.).Панченко В.Ю. О видах доступности юридической помощи: некоторые аспекты / В.Ю. Панченко // Социально-политические науки. – 2013. – № 1. – С. 43–45.Sher J. For richer and poorer: compulsory legal insurance and access to justice. Policy, 2009–2010, Vol. 25, no. 4, pp. 12–16.Sher J. For richer and poorer: compulsory legal insurance and access to justice / J. Sher // Policy. – Summer 2009-10. – Vol. 25, № 4. – P. 12–16.Regan F. Whatever happened to legal expense insurance? Alternative Law Journal, 2001, vol. 26, no. 6, pp. 293–297.Regan F. Whatever happened to legal expense insurance? / F. Regan // Alternative Law Journal. – 2001. – Vol. 26, № 6. – P. 293–297.Panchenko V.Yu., Mikhaleva A.E. Legal instruments of building client trust in the course of legal assistance: opportunities and limits in use. Vestnik Krasnoyarskogo gosudarstvennogo agrarnogo universiteta = The Bulletin of KrasGAU, 2014, no. 11, pp. 243–245. (In Russ.).Панченко В.Ю. Правовые средства обеспечения доверия клиента при оказании юридической помощи: возможности и пределы использования / В.Ю. Панченко, А.Е. Михалева // Вестник Красноярского государственного аграрного университета. – 2014. – № 11. – С. 243–245.Pilipenko Yu.S. Russian doctrine of absolute or relative client-attorney privilege. Advokatskaya praktika = Advocate’s Practice, 2009, no. 6, pp. 16–23. (In Russ.).Пилипенко Ю.С. Отечественная доктрина абсолютности или относительности адвокатской тайны / Ю.С. Пилипенко // Адвокатская практика. – 2009. – № 6. – С. 16–23.Aliev B.Kh., Filin A.M. Insurance marketing in Russia: current situation and problems of development. Ekonomika i predprinimatel`stvo = Journal of Economy and entrepreneurship, 2013, no. 8, pp. 627–631. (In Russ.).Алиев Б.Х. Страховой маркетинг в России: современное состояние и проблемы развития / Б.Х. Алиев, А.М. Филин // Экономика и предпринимательство. – 2013. – № 8. – С. 627–631.Allabyan K.D. Insurance culture of the population. Teoriya i praktika obshchestvennogo razvitiya = Theory and Practice of Social Development, 2012, no. 13, pp. 261–263. (In Russ.).Аллабян К.Д. Страховая культура населения / К.Д. Аллабян // Теория и практика общественного развития. – 2012. – № 13. – С. 261–263.Borisova Yu.B. Insurance culture in Russia and ways to improve its level. Uchenye zapiski Rossiyskoy Academii predprinimatel`stva, 2014, no. 40, pp. 225–236. (In Russ.).Борисова Ю.Б. Страховая культура в России и пути повышения ее уровня / Ю.Б. Борисова // Ученые записки Российской Академии предпринимательства. – 2014. – № 40. – С. 225–236.Борисова Ю.Б. Страховая культура в России и пути повышения ее уровня / Ю.Б. Борисова // Ученые записки Российской Академии предпринимательства. – 2014. – № 40. – С. 225–236.

The authors declare that there are no conflicts of interest present.