The author believes that the emphasising and testing unaccepted solutions in a separate paper is justified because the Commission published a Draft without explanation or comment, so it remained unknown to the public the reasons for their refusal. In the first section of work, the author discusses about the importance of discussions on unaccepted solutions. The second section is devoted to examining unaccepted solutions of the communitarian insurance contract law, and the third is devoted to proposed and unaccepted solutions from the project Principles of European insurance contract law. In the fourth section, attention is devoted to unaccepted solutions that deviate from the norms that are regulated by Draft of the insurance contract. The fifth section is devoted to reviewing the unaccepted solutions for insurance based on collective agreements. In the last, sixth section, the author discusses new proposals for regulating the decision of some special types of insurance contracts, such as compulsory liability insurance contract and the legal protection insurance contract that are in have not been regulated in Serbia..