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Due to variety of means of transport, it is challenging to set uniform rules for merchandise transport insurance contracts, which are also referred to as cargo, transport or freight insurance policies. Notwithstanding with the foregoing, regardless of the mode of transport chosen, obligation for an insurance company to compensate damages resulting from realization of risks covered by merchandise transport insurance policy requires existence of the same elements. Accordingly, determination of an insurance company's obligation to compensate damages depends on the existence of a valid (binding)...