Car yokubhalisa kwi amapolisa ezendlela phantsi imithetho emitsha. Umyalelo ubhaliso ngemoto amapolisa ezendlela

Abantu abaninzi banomdla lo mbuzo: oko kwenzekayo ngoku yobhaliso yesithuthi endlela phantsi imithetho ezintsha? Umhla wokukhutshwa, njengoko koomatshini namhlanje bethenga, abo banethuba kunye nemfuno engxamisekileyo izithuthi zabucala. Kaloku, kuyimfuneko ukuba ukucacisa kule nkqubo.

Inqanaba lokuqala

Ngoko ke, okokuqala, umntu owayefuna kufuneka ukufumana imoto ufuna ukuyithenga. Xa wayeza thethana nomnini yentlanganiso (kwaye ngokuqhelekileyo emva koko kwaoko kwaye kukho uthenga imoto), kuyimfuneko ukuba ukushicilela ikhontrakthi zentengiso. Ngaphezu koko, ngo iikopi ezimbini.

La maxwebhu kufuneka uthabathe nawe ukuya umthengisi. Emva kokuba yonke imiqathango intengiselwano uya zicaciswe, kuya kuba yimfuneko ukuze ungene kwesi sivumelwano. Kufuneka ukuba ube nje silumke xa ngokugcwalisa ifomu. Olu xwebhu lucacisa ulwazi oluneenkcukacha malunga umthengisi kunye nomthengi, kwakunye kani ukuthengisa iimoto.

Komthengi nomthengisi abonisa igama kunye yokundwendwela neenkcukacha zabo. Ulwazi malunga imoto kufuneka kwenziwe ngolu hlobo lulandelayo: ukwenza nohlobo emotweni, i-VIN-ikhowudi, iminyaka, inombolo yenjini, isisu semoto umzimba kunye nombala. Emva koko, wabeka umhla utyikityo. Emva koko, lo mbhalo yesithuthi endlela phantsi imithetho emitsha lwenziwa ngokwesiseko kolu xwebhu.

Yintoni elandelayo?

Emva koko, umthengi uthumela umthengisi ehlawulwa imoto. Kwaye ke iqala nangoko ubhaliso isithuthi amapolisa endlela. Phantsi imithetho ezintsha, kuliwa ngaphandle phambi Seller. Komthengi kufuneka athathe kwisivumelwano yentengiso, uxwebhu lobhaliso lwezithuthi kunye yakho, iliso, uye kugunyaziwe yobhaliso. Kukho yaye kukho ubhaliso imoto. Xa amapolisa ezendlela phantsi imithetho ezintsha nazo yakhutshwa nqaku. Kukho abonisa umnini omtsha - okt umthengi. Kwaye emva kokuba kwenziwe zonke utshintsho, uya umntu ozakuthathwa umnini esemthethweni emotweni.

Ikhala zonke ayikho nzima izipho ezininzi. Noko ke, ngaphambi kokuba yonke le nto isenzeka, kuya kufuneka ukuba nazo ufumane nepolisi ye-inshorensi. Ngaphandle nakanjani njalo. Car yokubhalisa kwi amapolisa ezendlela phantsi imithetho ezintsha kuphela kwenziwa emva kokuba ingxelo le nkqubo. Ke ukuba ngaphambili oko ungayikhetha, ngoku ngaphandle ayikwazi ukukwenza.

Njengoko MTPL ipolisi ye-inshorensi esikhutshwe

Oku - Kwakhona ngesihloko ebaluleke kakhulu. imoto umhombiso imithetho emitsha akwenzeki ngaphandle kwe-nkqubo, kangangokuba kufuneka kukuxelela ngokweenkcukacha ngale nkqubo iqhutywa njani.

Kuba inshorensi kuza kufuneka ukuza inkonzo efanelekileyo (apho yonke sixeko iinkuni ezimbalwa) usimise yakho yokundwendwela, nqaku, iphepha-mvume lokuqhuba, ikhadi diagnostic. Uyakwazi eselenezimvi №4 ifomu isiqinisekiso (kwimeko ukuba umqhubi ozibiza ngezaphulelo ukuqhuba ngaphandle ilahleko). mvume zokuqhuba inokuba ezininzi - kwimeko ukuba umntu uceba ukuthenga i-inshorensi eliqingqiweyo (okt, nako ukuhlala emva ivili abo bantu kuphela ezibhaliweyo kule nkqubo amagama).

Emva koko indoda wabhala ingxelo kwi nokuphethwa CTP ngemvumelwano. Kubalulekile ukucacisa data esebenzayo - konke malunga namava akhe namandla matshini. Ezinye kungokunivela, bhala amandla ezincinane emotweni kunye yokuba namava abo okuqhuba ngaphezu esebenzayo. Ukuba ngequbuliso inyaniso iya kuvela, isivumelwano ziza kupheliswa, kwaye kufuneka ukuba uhlawule isohlwayo.

Njengokuba kubalwa iindleko?

Abantu abaninzi abazi wazibonela ukuba isixhobo nkqubo liability insurance - into eqolo. Kaloku, le ndlela, kodwa musa ukumangaliswa, kuba inshorensi. Kwaye ngaphandle, ngokuyimfuneko oko kufuneka kuthenga, ithi le nkqubo wobhaliso imoto phantsi imithetho emitsha.

I-inshorensi kakhulu eqolo saseChelyabinsk, eMoscow, eSt Petersburg, Surgut, kwaye kwezinye kwizixeko ezikhulu. Okubangel 'umdla kukuba, xa yaseChelyabinsk CTP lungaphezu kubiza ngaphezu kwikomkhulu Russian. Umzekelo, umgaqo, eyenzelwe i esingenakubalwa abantu umthamo umatshini leyo ngaphezu kweelitha 151. s., uya kubiza ngaphezu kwama 57 amawaka engange. Kwiinyanga ezili-10, kunye inomlingani zero yebhonasi-malus, yaye ukuba umntu akukho amava lokuqhuba, kunye ubudala bakhe - ngaphantsi kweminyaka 22. E Moscow, umgaqo-nkqubo omnye kunye nemibandela efana kunye nemiqathango iya kuxabisa amawaka 54. P. E St. Petersburg, ixabiso iya kuba engange 49 000.

Kodwa eCrimea, umzekelo, umgaqo-nkqubo ofanayo uya kuxabisa engange 16.400 kuphela! Kukholelwa ukuba ekusingasiqithi ye-inshorensi engambi. Iireyithi elinye Chechen Republic, kwakunye kwi Chukotka Ukuzilawula District. Kalmykia, Ingushetia, Republic of Tyva, Khakassia - kule nezinye iingingqi ezininzi amaxabiso mandatory eliphantsi inshorensi imoto.

bokuqonda ezibaluleke

Kufuneka acacise iingongoma ezimbalwa malunga nezihloko ezifana umyalelo lokubhaliswa intengiso imoto phantsi imithetho emitsha. Njengoko sele kukhankanyiwe, umthengi kunye umthengisi zixolelwe nokuba kwinqanaba lokuqala. Xa le mali idluliselwa, umnini omtsha ngokwakhe benza ngemiba eseleyo.

Kodwa kungcono ukwenza kancinci eyahlukileyo. Ukuze intembelo yakho umthengi kufuneka cela umthengisi ukuba uhlawule emva kokwenza koomatshini. Zimbalwa kuvunyelwane ngalo - kwaye oko kusengqiqweni. Umthengi has urhano lokuba oko kuya balahlekise nomthengisi, ukongeza - nemeko efanayo. Ngokuba ungaya kwi kwizibhambathiso - ziyothatha ukuyila kunye okanye bavumelane intlawulo.

Ukukopela umthengisi rhoqo kukuba imoto yakhe bambamba. Kwaye oku, Kakade ke, cwaka. Kubonakala kuyo ngexesha lobhaliso kwi amapolisa ezendlela, emva koko imoto uthunyelwa isohlwayo-yokupaka. Umthengi usele ngaphandle kwemali, awawunika umthengisi ngokuyimfihlo kwaye ngaphandle kwemoto. Ngoko ke kungcono ukuba wazi kwangaphambili isithuthi VIN-ikhowudi uze uqinisekise "ezihlambulukileyo" ukuba.

Umthengisi Kubalulekile ukujonga ukuba ngaba umnini omtsha wemoto ngokwayo babhaliswe. Ngenxa yokuba ukuba akunjalo, ngoko zonke izohlwayo kunye nerhafu ziya kuqhubeka kudluliselwa umnini wangaphambili. Kwaye ityala ngenxa yengozi, ukuba kuyenzeka ukuba liwele phezu kwakhe. Ngokubanzi, iingxaki awufunwa, ngoko kuyimfuneko ukuba uyavumelana kwezinye ukusilela eyinzuzo elinganayo. Kwaye ngoko ke kuyilo imoto kumapolisa yezithuthi esendleleni iza kuhamba kakuhle.

Ukuba umatshini liyasuswa kwirejista

Ngamanye amaxesha umntu uba umatshini iingalo, yaye ibhaliswe SAI ayikho ilungu. Yintoni ke ngoko kufuneka yenziwe? Umyalelo ubhaliso imoto kwi amapolisa ezendlela phantsi imithetho emitsha kweli tyala iqala (kwakhona) ekuyilweni inshorensi. Xa ipolisi kuthengwa, umntu uthunyelwa amapolisa endlela. Apho wokusondeza kwakhe ipasipoti yakhe, ilayisenisi, isivumelwano kwi ukuthenga nokuthengisa uqhuba, nqaku, i-inshorensi, inombolo transit (ukuba zikhona), irisithi ebonisa ukuhlawula imali karhulumente kulo, isicelo sokubhaliswa kwesithuthi. Kolu xwebhu, umqeshwa MREO, abahlola imoto, ubeke uphawu efanelekileyo. enikusweleyo ngokuyimfuneko ukuze angenise impahla isibhengezo amasiko (kwiimeko xa isithuthi ithathwa abavela kwamanye amazwe).

Umhloli uhlola kutshekishwa amaphepha iintlawulo egumbini injini kunye ulwazi kuchazwe kwi Amanqaku, anike umnini omtsha urhulumente inombolo yobhaliso.

Umyalelo ubhaliso intengiso yemoto phantsi imithetho emitsha ithi ukuba babhalise umatshini ngokwayo kufuneka senziwe zingaphelanga iintsuku ezilishumi emva kokusayina isivumelwano. phuthuma ngcono - kwaye ufuna ukuthenga i-nkqubo, kwaye ekuhlolweni, ikhadi diagnostic ukuba. Ngokubanzi, oluninzi amatyala.

iindleko

Malunga kuya kufuneka kangakanani ukuhlawula ukulungiselela i insurance, okhankanywe ngasentla. Kuthekani mhaka indlela kufuneka ahlawulele iinkonzo zamapolisa zendlela? Ukuza kuthi ga ngoku, umsebenzi karhulumente ka-2850 engange. Ayikho kangako. Le mali iqukiwe nkonzo ukuze imveliso kunye kunikezelo elandelayo yesiqinisekiso sobhaliso. Kubiza 500 engange. Kwakhona ifakiwe kwixabiso umrhumo amacwecwe mvume. 2000 engange. Kodwa! Ukuba umntu wathenga imoto kunye izandla, kwaye umnini wangaphambili akazange afune ukuqesha amagumbi, iindleko intlawulo yobhaliso ngokuzenzekelayo wanciphiswa ixabiso 850 engange. Recent 350 p umntu uhlawula sokubhalisa PTAs.

Ngokubanzi, ukuba ufuna ukugcina imali, kuyimfuneko ukulukuhla umthengisi ukuqinisekisa ukuba bye efana ngomatshini, kwaye ngamanani. Umyalelo ubhaliso ngemoto amapolisa ezendlela kuvumelekile.

Kutheni kufuneka inombolo sendleleni thina?

Ngoko ke, ukuba indoda leyo yathabatha imoto irejista yaye uqinisekile ukuba uya kuthengisa iintsuku ezintlanu, lo inani sendleleni ayikho imfuneko. A umthengi uhlela ukuba uthenge imoto likufikela omnye mmandla, kungcono ukuba nabo. Baya kuhlala esemthethweni iintsuku ezingamashumi amabini. Umyalelo ubhaliso intengiso imoto kwi amapolisa ezendlela phantsi imithetho ezintsha ithi ukuba akazange ukusebenza ngelo thuba umntu ubeke imoto kwi-akhawunti, kuza kufuneka ukuba ufumane inombolo entsha. Kakade ke, ukuhlawula kwabo, beme emgceni. Ngoko ke kungcono ukuba isebenze - oko kukusindisa ayikho imali engaphezulu.

Into ekufuneka uyazi isihloko nempinda

Olu xwebhu yengundoqo kuso nasiphi na isithuthi. Kufuneka siqaphele ukuba ephindiwe? Enyanisweni, akukho nto ingakumbi eyoyikekayo. Yentsusa baye ezilahlekileyo, okanye nje igugile. Kwiimeko ezinjalo, yaye yakhupha nesinye. Kubalulekile ukuba abalekele maqhinga ukuba ngokuqhelekileyo hombisa nqaku oko imoto, leyo ibiwe, okanye leyo isiqinisekiso ebhankini. Imiphumo ubuqhetseba enjalo, Kakade ke, yayimbi. Ukuthemba umthengi ngenxa yoko baya kuba imali kunye noomatshini. Ngenxa kuqala kuyimfuneko ukukhangela ukuba umatshini ebiweyo okanye bathembisa.