Ingxelo ye-inshurensi? Ukubonisana noMthetho

Makhe sicinge ngezizathu zomthetho zenzeke kule meko ngomzekelo. Ngo-25.02.2012 kwakukho ingozi ebandakanya izithuthi ezimbini: i-Mazda Mazda kunye ne-Ford imoto. Umqhubi we-Ford imoto yafunyanwa enetyala yengozi. Umnikazi we-Mazda unikwe imoto yakhe kwiCASCO kwinkampani yomshuwalense LLC Rosgosstrakh. Ukuqaphela imeko njenge- inshorensi, inkampani yomshuwalense yenza intlawulo yeCASCO yokulungisa imoto ye-Mazda kwisixa sama-ruble angama-500,000. Ngaloo ndlela, ekuhlawuleleni ixhoba le-LLC "Rosgosstrakh", ilungelo lokumangalela umonakalo kweso sengozi kunye nenkampani yomshuwalense apho umthwalo wembambano we-"Reso-Garantia" inkampani yomshuwalense phantsi komgaqo-nkqubo we-OSAGO wawukhuselekile. Emva kokubhengeza ibango kumgcini-mboleko wecala, ibango le-OOO i-Rosgosstrakh lifumana ukubuyiselwa kwemali kumda we-OSAGO, osungulwe yi-Federal Law "Kwi-MTPL" kwi-ruble eyi-120 000. Ngaloo ndlela, inani lemonakalo elingahlawulwanga ngu-OOO Rosgosstrakh lingama-ruble angama-380,000, aphantsi kokubuyisela kumenzi wengozi.

Kuthekani ukuba ufumene ibango kwinkampani yomshuwalense ngokulandelelanisa?

Ngenxa yoko, okokuqala, kufuneka ufake isicelo seengcebiso zomthetho ezifanelekileyo. Ukuba ukhetha ukuzenza ngokwakho, ngoko ngokuqhelekileyo ukhetho oluphela lunokuzama ukunciphisa inani lemali efunyenweyo. Ukwenza oku, kuyimfuneko ukuziqhelanisa namaxwebhu angeniswe ngunyama-inshurensi, ukuvavanya ukuba inani lomsebenzi owenziweyo lihambelana nomonakalo owenziwe ngengozi (umonakalo ubhalwa kwisiqinisekiso somngcipheko kunye nesitifiketi sokuhlola), yaqwalaselwa xa kubalwa inani lokuhlawulwa (amabango anikezelwa ngokwe-akhawunti ye-SDAA, Kutheni ungacingi ngengubo yemoto kunye nosizi). Ukuba umonakalo wengozi uhambelana namabango, kwaye xa kubalwa iimfuno zamabango, ukuhla kwexabiso lezithuthi kuthathwa ingqalelo, kule meko kuyimfuneko ukufaka isicelo kwiimviwo ezizimeleyo. NgokweSiseko seNgxelo yokuThuthwa kweMoto, iSatifikethi seNgcakalisi kunye namanye amaxwebhu anikezelwe ngawo, u-appraiser uya kulungiselela ingxelo malunga neendleko zokulungiswa kwesithuthi. Le ngxelo iya kusebenza njengobungqina enkundleni kwaye iya kuba sisiseko senkundla yokunciphisa inani eliza kufunyanwa, okanye ukutyunjwa koviwo lwe-forensic. Ukuba, kwi-preliminary assessment by you or expert, ukungahambelani komonakalo obangelwayo kumiswe ngumonakalo owenziwe ngengozi (ngokwenene ukulungiswa kwisikhululo senkonzo kwindlela yenkampani yomshuwalense. Oku kwenzeka xa ixhoba lithatha inkampani yomshuwalense ngokukhawuleza kwiinkampani zomshuwalense ezininzi, ngokulandelanayo, ngaphandle kokuhlukanisa i-akhawunti kwiilahleko ezihlukeneyo, Inkonzo idalula i-akhawunti enye), ngoko oku kunokusebenza njengesiseko sokutyunjwa koviwo lwe-trarological okanye lwezobugcisa, ngokubhekiselele kuyo udet ngaphandle ekubaleni inani zokwenzakala akazalani isiganeko inshorensi. Kule meko, kuya kufuneka ukuba kwenziwe iingcebiso zomthetho. Xa kungabikho ubungqina obaneleyo kunye nesigunyaziso somthetho esifanelekileyo, ezi meko zinokuthi zibe sisiseko sokuphika ibango ngokugcwele.

Kule meko, kufuneka uhlawule ingqalelo kwimimiselo yomhlathi 2 we-Art. 966 I-Civil Code yeRussia Federation ngokuhambelana naso "Ixesha lokunciphisa iibango ezivela kwisivumelwano se-inshurensi yomngcipheko wemfanelo yamatyala ngenxa yengozi ebomini, impilo okanye impahla yezinye abantu yiminyaka emithathu". Ngenkxwaleko, kunye nenani elikhulu lamatyala, kunye nazo zonke iinkqubo zangaphambi kwezilingo, abaqhankqalazi bahlala belikhumbula le mihla. Ukuba ngaphezulu kweminyaka engaphezu kwe-3 kudlulileyo ukusuka kwengozi ukuya kwixesha lokufaka ibango, kubalulekile ukuvakalisa ukuphelelwa kwexesha lokunciphisa inkundla , okuya kuba yisiseko sokwenqaba umshwalense ngokugcwele.