CTP: umgaqo wokukhohlisa. Ukwahlula njani kwi-original?

Ngenxa yokuba amaxabiso aphakanyisiwe kwi-MTPL, ipolisi yokukhohlisa namhlanje ixhaphake ngakumbi kunaphambili. Abaqhubi bayithatha ingozi yokuba xa kwenzeka yengozi baya kufuneka bahlawule imali yokuhlawulwa kwi-pocket yabo. Kodwa, ke, balindele ukuba oku akuyi kwenzeka.

Kwenzeka njalo, xa uyala idokhumenti, kamva ufumanisa ukuba umgaqo-nkqubo we-OSAGO uphenduke ube ngumkhohlisi. Inqaku lanamhlanje lizinikele kule ngxaki, inqanaba lalo likhula kuphela.

Kutheni wenze i-OSAGO engalunganga?

Kuyaziwa ukuba kunyaka ophelileyo bekukuthengiswa kweemigaqo-nkqubo ezingekho phantsi kwe-10% ngaphezu ko-2014. Bangaphi babo abakwaziyo ngokwenene. Ukongeza kwinto yokuthengiswa, kwakukho imeko ezininzi xa iinkampani ze-inshorensi ezinamaxwebhu angamanga zicelwa ukuba zihlawule umonakalo emva kwengozi. Kuvela ukuba kukho iimeko ezininzi xa abanikazi bemoto bengayazi nokuba bafumene umgaqo-nkqubo we-OSAGO wenkohliso.

Ngokweengcali ezininzi, ukuguqulwa kwemigaqo-nkqubo ye-MTPL kufumana isisombiso esongela izizathu ezininzi.

Okokuqala, kukho abakwa-scammers abasabalalisa iifom ezifakekileyo, bazuza kuwo.

Okwesibini, imigaqo-nkqubo inokutshontsha.

Okwesithathu, kukho iifomu ezilahlekelwe yi-SC kwaye ziwele ezandleni zabagxeki.

Okwesine, abanye abatshutshisi balahlekelwa okanye balahlekelwe ilayisenisi, banqamise imisebenzi yabo, banqatshelwe.

Kulawulo lwe-SAR, kukholelwa ukuba abaqhubi, xa bekwenza, baninzi bayazi ukuba i-MTPL ngumgaqo-mbumbulu. Bavame ukuhlawula imali encinci kwaye bacinge ukuba baya kungena engozini, abayi kufumana nayiphi na intlawulo.

Ukongeza kokuncinci, kulula kakhulu ukufumana loo mgaqo-nkqubo. Oko kukuthi, akudingeki ukuba ube ngumgaqo oqhelekileyo wokuhlolwa kobugcisa, fumana imephu yokuxilongwa nokunye njalo. Yonke into ilula kakhulu: kuvunyelwene, ihlawulwe imali, ifumane umgaqo-nkqubo.

Ngamanye amaxesha abakwa-scammers basebenzisa ukukhangisa ngokubanzi ukukhanga inani elikhulu labathengi. Kwaye ukuba umntu uxakeke kakhulu, akakwazi ukugcina ingqalelo kwiingongoma, okufuneka kwenziwe. Ngaloo ndlela, imigaqo ethile ifunyenwe ngenxa yokungalindelekanga nokungazi. Ngenxa yoko, abemi abagcina umthetho bangakhohliswa.

Ngamanye amaxesha kwenzeka ukuba i- fake idokhumenti yathengwa kwinkampani engazange iwele kwicandelo le-inshurensi.

"Ngokusemthethweni"

Iinshorensi zokukhangela iinkqubo kwi-database. Yaye ukuba inani lakho alikho, ke akukho mbuzo malunga nayiphi na intlawulo. Ngoko ke, ngaphambi kokuba ufumane i-CMTPL, kungcono ukuba isitoreji sibe nolwazi olwaneleyo ukwenzela ukuba ungayi kuhlaselwa ngabadlali be-scammers okanye ungagqibekanga kwisenzo esingekho mthethweni, uthenge inkohliso yokuzithandela kwakho. Abadlali be-Scammers bangathi umgaqo-nkqubo "ungaphantsi kwezomthetho" okanye "phantse ngokomthetho", ngokubhekiselele kwinto yokuba ufuna ukuba unako ukuqinisekisa ubungqina bawo.

Ungazikhohlisi. Umxholo othi "phantse ngokomthetho" awukho. Umgaqo-nkqubo ungowomthetho okanye awukho. Ngoko ke, xa unikezwa "uxwebhu olusondeleyo ngokomthetho" lwe-OSAGO ngomyalelo wobukhulu obungabizi, cinga ngawo.

Nangona iifom zinyani, indlela ibalulekile, njengoko bewela ezandleni. Emva koko, ukuba, ngokomzekelo, belahlekelwa yinkampani yomshuwalense, baqala ukuba ngumthetho.

Ziziphi iimigaqo-nkqubo ze-OSAGO ezikhohlisayo?

Ulwaphulo-mthetho luhlobo olubi kakhulu, apho umgangatho ophantsi ubonakala. Nangona kunjalo, ngoku siye safunda ukushicilela iifake zomgangatho ophezulu. Okulula ukuba "kubalwe" kwaye kubonakale, kunye nesayithi le-SAR okanye i-insurers, ukuqhuba inombolo ye-OSAGO.

Umgaqo-mbumbulu unokuba nomqondiso wesimo sangempela, kunye nezinye iimpawu zokuthembeka. Kulula nje, inkampani ngesizathu esithile ayisekho imisebenzi, kwaye iifom zaphulwa ziimpazamo. Ukungabi namthetho kusekwe ngendlela efanayo kwimeko yangaphambili.

Indlela yokwahlula umgaqo-nkqubo we-OSAGO wenkohliso?

Ngoko, ukuqinisekisa ubungqina bentlobo enye kuphela enokuthi ibe ngolu hlobo lulandelayo.

1. Lo mgaqo ungaphezulu kwephepha le-A4 malunga neentimitha.

2. Ngasecaleni langaphambili kukho umxube omncinci obunobumba obunobumba obuhlaza. Izalisa yonke indawo yecala langaphambili kwaye iqulethe, njengokuba kunjalo, yee-microsections zisontekile kwisangqa.

3. Emva kokuba ulethe ingenanto ekukhanyeni, unako ukubona ama-watermark kunye nomqondiso we-SAR.

4. Into yokuqala ongayibona kwicala eliphambene noluhlu lwesimbi lwama-millimeter ngakwesokudla.

5. Kwakhona kwiphepha ngokwalo kukho i-red villi. Ukuba ukhangeleka kakuhle, uya kubabona.

6. Ukuvakalelwa kwenombolo yomgaqo-nkqubo inesakhiwo somthungelwano. Iqukethe amadijithi ayishumi.

7. Ukususela ekupheleni kuka-2014 kwiimpawu zee-letterhead ezivela kwiileta zitshintshile "kwi-EEE". Kuze kube ngeli xesha kwimigaqo-nkqubo ebizwa ngokuthi "SSS". Kodwa iifom ezindala ziye zayeka ukukhutshwa ukususela ngo-Apreli 1, 2015. Ngoko ke, ukuba ufumana umgaqo-nkqubo othi yonke impawu ebonakalayo ibonakala iyinyani, kodwa ngoonobumba bee-"CCC", xa lukhuphe ukususela kulo nyaka, kucacile ukuba lo mbhalo awukwazi ukuba namandla osemthethweni.

8. Ngenxa yesiseko se-SAR ungahlola zonke iifom ze-OSAGO. Umgaqo-mthethweni uza kukhupha uluhlu, inombolo, umhla wokukhutshwa. Ukongeza kwisayithi esisemthethweni ye-RSA, kukho iisayithi zabanye bomshuwalense ababaxabisa kakhulu kwaye i-Union Union yase-Russian ye-Auto Insurers ithemba. Kukho, le ngcaciso ihlolwe.

Yintoni endimele ndenze xa i-MTPL yecala liyinkohliso?

Abantu abaninzi abazi ukuba baziphathe njani, ukuba bangena engozini, bafumanisa ukuba umgwebi unecandelo lobuxoki. Kule meko, unokucebisa oku kulandelayo.

Qinisekisa zonke iimpawu ezingentla apha ukuba uxwebhu lufakwe.

Ukuba yonke into iyacetyiswa, ukongezwa ukuba uhlolisise inombolo yayo kwiwebhusayithi ye-SAR ukuba unokufikelela kwi-intanethi. Kananjalo unokubiza inkampani yomshuwalense kwaye uyifumane le ngcaciso apho.

Ewe, kulungile ukubiza umhloli we-DPS. Kodwa ngaphantsi komthetho, ilungu elenzakalisiweyo liyo nawuphi na umqathango onelungelo lokuhlawula. Ngoko ke, unako ukuqhubeka nokwenza loo maxwebhu nangona ifani engabhalwanga kumgaqo womntu onetyala. Yazi: ukuba umgcini-mpahla uyala ukuhlawula, unelungelo lokumangalela kwaye ufumane intlawulo yemali.

Unokufumana njani umvuzo?

Ukuba umgwebi wengozi unomgaqo-nkqubo we-OSAGO wenkohlakalo, inkundla idinga ubungqina. Ukwenza oku, unokucela ulwazi oluvela kwi-SAR, ebonisa ukuba yengozi. Ukuba unamathele onke amaxwebhu enkundleni kwaye ufumene kwi-SAR, ityala liya kuqwalaselwa ngokukhawuleza.

Inkampani yomshuwalense inokuthi idibanise inkundla ukuba ithathe isigqibo sokuba ngubani omele ahlawule i- MTPL. Ukuhlawulelwa kuya kuhlawulwa:

• SC;

• Umrhwerensi;

• PCA;

• Umgwebi wengozi.

INkundla iya kugqiba isigqibo malunga neemeko zeso sizathu.

Uxanduva lokusebenzisa umgaqo-mbumbulu

Uxanduva alufiki kuphela xa umgwebi enomgaqo-nkqubo we-OSAGO wenkohliso. Umthetho uphinde uphulwe ngabo bawusebenzisa nje. Ulophulo olufanelekileyo lufanelekile njengenkohliso kwaye luwela phantsi kweCandelo le-159 leNkqubo yoLwaphulo-mthetho yaseRashiya. Isijeziso saso sinokuhlawula ama-ruble angama-120,000 okanye isikhokelo somntu osetyenziselwa ukulungiswa kwezonyango iminyaka engama-2.

Ulwaphulo-mthetho, nangona kunjalo, lwenzeka kuphela ngokumalunga nalabo bantu abanomgaqo-nkqubo we-inshorensi yokukhohlakeleyo yi-OSAGO ephikisayo ngokupheleleyo. Okokuthi, ukuba kuthengwa kwiinkampani eziye zaphazamiseka, ngoko ubuninzi bomngcipheko womnini wemoto ukwala ukuhlawula i-SC. Nangona kunjalo, ukwenzela ukuba ulwaphulo-mthetho luxanduva lokuza, nangaliphi na imeko, iinqumrhu zokunyanzeliswa komthetho ziya kuba nenkqubo eyinkimbinkimbi yokukhanga kuyo. Emva koko, kuyimfuneko ukubonisa ubungqina bokusetyenziswa ngobuqhophololo. Kwaye akunjalo uxanduva lomthengi ukuqinisekisa ubungqina boxwebhu. Unokuthembela kumthengisi ukuba uthe uxwebhu luyinyaniso. E-Rashiya, kukho ukunyanzeliswa kokungabamsulwa, oku kuthetha ukuba umntu uthathwa njengomntu ongenasiphelo aze aqinisekiswe ngenye indlela.

Ulwaphulo-mthetho lunokuthi lwenzeke phantsi kwelinye inqaku, elingaphantsi kwe-327 ye-Code Criminal. Ilungiselela isijeziso malunga nokusetyenziswa, ukusetyenziswa nokusabalalisa amaxwebhu anjalo. Ummangalelwa unokuhlawuliswa ukuya kuma-ruble angama-80,000 okanye umsebenzi wezohlwayo. Kodwa amaninzi amaxesha afanelekileyo afaneleke kwiikhowudi yolawulo, oko kukuthi, njengecala lolawulo, kwaye kungekhona ulwaphulo-mthetho, kwaye ixabiso leNkqubo yoLwaphulo-mthetho oluLawulayo liya kuba ngaphantsi. Oku akukwenziwanga ngezizathu zomntu, kodwa ngenxa yokuba inkqubo yokubonisa izenzo ezinqwenelekayo inzima kakhulu.

Uxanduva alufi ...

Kukho imeko apho, kungakhathaliseki ukuba ipolisi yenkohliso ifunyenwe ngenjongo okanye ayikho, inkokhelo ayifiki. Yintoni endimele ndenze xa umgaqo we-MTPL uyinyaniso? Xelela kuphela amapolisa uze uchaze oku. Kule meko, uxanduva alunikwe. Iimeko, ngokuqinisekileyo, ziya kusekwa. Kodwa umnini wemoto, owathengile umqulu wefilimu, uya kusebenza kuyo njengengqina, kungekhona umtyholwa. Emva koko baya kubonakalisa nokubuyisela ubulungisa abo benza umsebenzi wokuvelisa nokuhanjiswa kwemveliso engekho mthethweni.

Ebiza kakhulu, kodwa bhetele

Ukuze uqiniseke ukuba umgaqo-nkqubo owufumanayo usemthethweni, ukwanele ukuhambelana nemithetho elula.

1. Umgaqo-nkqubo kufuneka uthengwe kuphela kwi-UK enkulu.

2. Ngaphambi kokuthenga, khangela ukuba ilayisenisi yenkampani ivumelekile (kwiwebhsayithi ephambili yaseRashiya).

3. Hlola inombolo ye-OSAGO kwisayithi ye-SAR okanye yeSk.

4. Emva kokuthenga yenza ithenkco ebonakalayo yolu xwebhu kwiimpawu ezikhankanywe ngasentla.

5. Ukuba kukho ubuncinane uphawu olunye lokungabi mthethweni, kufuneka uqhagamshelane namapolisa ngesitatimende. Ukuba le nto ayenziwanga, imeko iyakwenzeka apho kuya kubakho kwimiphumo emibi.

Isiphelo

Kakade, umgaqo-nkqubo we-inshorensi unyanzeliso wezomthetho ubiza kakhulu. Esi sizathu esibalulekileyo: abanikazi bemoto banqwenela ukugcina. Kodwa ngaba kufanelekile ukwenza, ukuphula ngamabomu umthetho nokubeka ingozi ekuhlawuleleni xa kwenzeka ingozi kakhulu? Abantu bathi: "Bahlawula kabili." Cinga ngako, akunjalo na lakho ityala?