چکیده:
This article states that the presence of motivated, informed, influential, and strong individuals from executive and scientific perspectives who are concerned about the development of liability, and on the other hand, the existence of suitable social, economic, and political conditions, are essential conditions for the development and maturity of the concept of liability and its insurance. Within this framework, the executive guarantees of laws and regulations, their transparency, efficiency in implementation, and also the awareness of people and society regarding their rights and entitlements, is a very important and noteworthy matter. The author of this article considers the stages of clarifying laws and regulations, improving their executive guarantees, and informing people of their rights as the necessary condition for the development and maturity of liability insurance. Therefore, it is obvious that with the increase in the degree of societal development, the discussion of liability takes on its true color and scent, and liability insurance progresses by removing the obstacles to its development with steady steps.
خلاصه ماشینی:
The author of this article considers the stages of clarifying laws and regulations, improving their executive guarantees, and informing the people of their rights and entitlements as the necessary condition for the development and advancement of liability insurance.
Within the aforementioned framework, on one hand, with the development and progress of human sciences, the discussion of substantive liability became more complex, and therefore liability insurance found a specific term, and various types of professional liability insurances emerged; on the other hand, the existence of asymmetric information, moral hazards, and legal costs also caused both the increased complexity of this type of insurance and the expansion of its applications.
Therefore, if a right is a sufficient reason for determining an enforcement mechanism, and the enforcement mechanism for this is the same obligation to execute and compensate for what has occurred, which is in fact the civil liability of the person who caused it, on one hand; and on the other hand, the discussion of the connection between the right guarantee theory and the governing law means that the main goal of liability regulations is to protect and guarantee the rights and interests of individuals, especially against injury and harm to the person, property, and also to some extent economic interests 1.
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