Significant moral and material damage to road users and the transportation process resulting from road accidents objectively implies the need for insurance protection of both individuals and legal entities that are direct participants in the conflict, as well as third parties accidentally injured in road accidents. The main event for the Russian insurance market was the introduction of Third Party Only Insurance (TPOI) in 2003. Compulsory TPOI has become the norm within the society. However, it should be noted that throughout its implementation a number of problems have been identified considering state regulation. The article provides an economic assessment of the TPOI market. The TPOI economic indicators have been unstable recently and they are developing with great fluctuations. In modern conditions, the systematic work of the All-Russian Union of Insurers and the Russian Association of Motor Insurers is required to overcome crisis phenomena including legislative changes, the development and implementation of innovative digital technologies, the improving interaction with local authorities and courts, and overcoming insurance fraud. The measures and the main directions for the further improvement of the TPOI system are proposed. A purposeful and effective policy including the widespread introduction of modern digital technologies, the improvement of work on the accumulation, storage and processing of data, digitalization and customer-focused key processes for providing insurance services is needed to overcome insurance fraud and to ensure economic security. There is a need to create and approve an interaction algorithm with the traffic police, which allow reducing the time of accident registration.
The subject of the study is the organizational and economic relations that arise in the process of digitalization of infrastructural provision for agricultural production. The aim of the work is the formation of theoretical and methodological provisions for the development of digitalization of infrastructural provision for agricultural production. The article shows the importance of digitalization of infrastructural provision of agricultural production, which can significantly increase the efficiency, quality and productivity of production processes in comparison with traditional forms of management. The general and particular problems concerning the digitalization of both the agro-industrial complex on the whole and the infrastructure objects of agro-industrial production are identified in the article. The importance and the practicability of the digital transformation of agricultural production have been substantiated as the result of the study. The theoretical provisions that reveal the essence and the content of the infrastructural provision for the agro-industrial complex are formulated in the article. The methodical approach to the analysis of the digitalization status of the infrastructural provision of agro-industrial production is substantiated, including the stages of the conduct and the main indicators. The conditions and the factors affecting the digitalization in the agricultural sector both positive and negative are identified. The priority guidelines for the digital transformation of the agricultural production infrastructure have been developed based on the identified problems. The article proposes to consider the infrastructure of agricultural production as a system of elements, institutions and mechanisms that contribute to the production, conservation, physical movement of agricultural products. Digitalization is viewed as the transformation of production and management models based on innovative digital technologies. The application of the proposed methodological approach to assessing the digitalization of infrastructural facilities allows analyzing the degree of use of digital technologies in agricultural enterprises and justifying the need for the introduction of new digital technologies in infrastructural facilities. The practical relevance of the digitalization of infrastructural provision for agroindustrial production is the contribution to the growth of production volumes, the reduction of transaction costs, the increase of physical and economic affordability of food, the promotion of import substitution and the development of interregional exchange and export.
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