?????????? ???? ?????????? ??? ?? ?????????, ???, ?? ?? ???? ???? ???????????????? ???? ???????????? ??? ?? ???? ???? '?????'? '?? ?? ??'???? ?????? ???? ???????????????? ?????? ???????? ???????????????? ?? ?????.???? ?? ??, ???? ?????? ?????? ??????????????????????????????????-???????? ????? ??(??) ????? ?????? ???? ?????????????????(insurance_law