Legal-ethical criticism of the third party insurance law from the perspective of preventive approaches with emphasis on the personalization of responsibilityprevention. Third party insurance

One of the most important issues related to the safety and health of citizens in different societies is the reduction of traffic crimes. Insurance laws play an important role in adopting preventive strategies in this field. This article tries to examine and evaluate the approach of the third party insurance law in order to prevent traffic crimes in terms of the amount of attention paid to the driver's personality.

The present research is descriptive-analytical in terms of method, and in terms of data collection, it was done in a library manner.

Ethical considerations: 

In all stages of this research, from the study of documents to scientific analysis, it has been tried to observe the principles of ethics in the research, and in the analysis and conclusions, based on the principle of value neutrality and leaving aside personal preferences.

The third party insurance law takes preventive approaches in compliance with the moral principles of harm prevention and justice, through various means, including paying attention to the characteristics of the driver in issuing the insurance policy, establishing the ultimate responsibility for the culprit of the accident, discounting the insurance premium, training and Cultivation is assumed, but due to factors such as emphasis on issuing third-party insurance based on vehicle characteristics and the fact that insurance is compensation-oriented compared to its prevention-oriented nature, insufficient attention is paid to culture-building in the direction of prevention. The preference of the insurance company's responsibility in legal cases and the relative continuity of the effect of insurance coverage in the increase of traffic accidents still have shortcomings in the field of prevention.

By emphasizing the personalization of responsibility and the centrality of the individual and his characteristics in insurance calculations, along with criminal and non-criminal preventive measures including the creation of a personal file, continuous education and training, and the correct and decisive implementation of laws, the preventive effect of the Personal Insurance Law The third will be fulfilled