State news agency TASS reported that Google is allowed to return to the Russian market only if it complies with the court’s decision. In August 2023, a Moscow court fined Google 3 million rubles, around $35,000, for not deleting what it said was «fake news about the war in Ukraine». In July 2023, YouTube removed the channel of British journalist Graham Phillips, active in covering the war in Donbas from 2014. In June 2022, the War Gonzo channel run by Russian military blogger and journalist Semyon Pegov was deleted.
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Upon termination of a given policy, the amount of premium collected minus the amount paid out in claims is the insurer’s underwriting profit on that policy. Insurance can influence the probability of losses through moral hazard, insurance fraud, and preventive steps by the insurance company. Under an «indemnification» policy, the insurance carrier can generally either «reimburse» or «pay on behalf of», whichever is more beneficial to it and the insured in the claim handling process. Most modern liability insurance is written on the basis of «pay on behalf» language, which enables the insurance carrier to manage and control the claim. Under a «pay on behalf» policy, the insurance carrier would defend and pay a claim on behalf of the insured who would not be out of pocket for anything. If the Insured has a «reimbursement» policy, the insured can be required to pay for a loss and then be «reimbursed» by the insurance carrier for the loss and out-of-pocket costs including, with the permission of the insurer, claim expenses.note 1