Ininshuwalense ngaphandle kokuhlola - ukulondoloza ukhuseleko lwakho

Emva kokuqaliswa kwezilungiso ezitsha kumthetho kwimigaqo emitsha yokuhlola, imibuzo eninzi ayiphenduli. Indlela yokuthabatha i-inshurensi ngaphandle kwetshekhi, ezenziwe ngongoma. Ubunzima obukhethekileyo buvela phakathi kwabathengi bemoto, kodwa ngenxa yokwamkelwa kwezilungiso zamuva kumthetho, ezi ngxaki zapheliswa.

I-inshurensi ngaphandle kokuvavanya ngoku iyakwenzeka ngokukhawuleza emva kokufumana imoto. Ngaphambili, emva kokuthenga oko kwakunyanzelekile ukufika kwindawo yokugcinwa ngokwabo, kwaye ubuyele eofisini ukufumana umgaqo-nkqubo. Ngokuqhelekileyo endleleni leyo ifikelele kwiipolisa zamapolisa ezithengisa amagumbi kwaye zibhale iifayili ngokungabikho kwinshuwalense. Izilungiso ezenziwe zanceda ukulahla ubunzima obunjalo kwiintsuku ezingama-15. Ngeli xesha, ukhutshwe i-PTA kunye nenqaku elikhethekileyo kunye namanani okuhamba. Amanyathelo anjalo avumela ukuba uhlale uzinzile uhambe kuzo zonke iinkqubo eziyimfuneko uze ubuyele kwi-ofisi yenkampani yomshuwalense OSAGO. Ukuhlolwa nangayiphi na imeko kuyimfuneko kwaye ngaphandle kwayo awufumani umgaqo-nkqubo.

Kufuneka kuqatshelwe ukuba abanye abanikazi bemoto bayazi, ngelixa abanye belibale okanye bangabikho ixesha lokulibala ukulibala ukufumana umgaqo opheleleyo emva kweentsuku ezingama-15. Umgaqo-nkqubo ogqithisiweyo uyabonwa kunye nokungabikho kwawo, onokuhlawulwa ngawo kwaye uhlawule amanani.

I-inshurensi ngaphandle kokuvalelwa kuthathwa njengophula umthetho, kodwa apha kukho imiba. Inyaniso kukuba ukuba uzama ukuthenga ngokungekho mthethweni umgaqo-nkqubo, ngokubonisa ixesha elidlulileyo, ngoko uya kulahlwa. Kwaye ukuba awuzange udlule ukuhlolwa, uza kuthengisa ngaphandle kokubuza nayiphi na imibuzo. I-inshurensi enjalo ngaphandle kokuhlola ibonakala ingenanto, kodwa inyaniso kukuba abaninzi bango-inshurensi ngokwabo banegalelo kulokhu ngokufaka utshintsho olongezelelweyo kwisicelo.

Kodwa wena njengomnikazi wezimoto kufuneka wazi ukuba xa kwenzeka ingozi unakho ukuphikiswa isinxephezelo ngenzakalo kwi-inshurensi kwaye uza kufuneka uhlawule yonke imali. Kule nkalo, sincoma ukuba sifumane ubuninzi be-inshurensi, khetha ixabiso elithengileyo kwaye uthenge umgaqo-nkqubo. Emva kwakho konke, ukugcinwa okunjalo kunokukuhlawula amaxesha amaninzi.

Namhlanje, abaninzi abameli bezomthetho bayaqaphela ukuba ukuqala kolu phuculo aluphumelelanga. Abaninzi babengazilungiseleli ngokucacileyo kunye nezobuchwepheshe ukuba basebenze ngendlela entsha. Abaxhasi bokukhansela ngokugqibeleleyo baxelele ukuba kuyimfuneko ukudlula i-TOE ubuncinane kanye emva kweenyanga ezintandathu ukuchonga nokulungisa iingxaki ngexesha. Nangona kunjalo, amanani anokubonisa ukuba imigangatho yanamhlanje yokugcina isenokuphelisa ukungaphumeleli okukhulu, umzekelo, njengokwakhiwa kwevili.

Sifanele sifeze ngokupheleleyo uxanduva lwethu njengesiphumo sokucinywa kwe-TOE. Ngelishwa, ipesenti enkulu yeengozi ezenzeka ngenxa yokungahambi kakuhle kwimoto, kwaye ukupheliswa ngokupheleleyo kwe-vehicle inspection kuyakuphelisa ngokupheleleyo imbopheleleko yabanini bemoto ukuphelisa ukungaphumeleli okukhulu ngexesha. I-inshurensi ngaphandle kokuhlolwa kweli phepha ayigcini nje ukugcina imali kunye nexesha kwicala elihle, kodwa ligalela ekunyuseni amathuba okufumana ingozi ukusuka kwicala elibi.