TY JOUR TI CONCEPT AND TYPES OF INSURANCE IN EMERGENCY SITUATIONS IN ACCORDANCE WITH RUSSIAN LEGISLATION KW legal nature of insurance KW concept and insurance types KW emergency situation JO LAW. SAFETY. EMERGENCY SITUATIONS AU Smertin, A.N. AU Khitarova, N.A. PY 2015 IS 2015 PB Saint-Petersburg University of State Fire Service of Emercom of Russia