Inshorensi Ukuthatyathwa - yintoni na le nto? Umgaqo nkqubo kunye nokufunyanwa Ukuthatyathwa

Insurance Ukuthatyathwa - abamaziyo entsha umthetho Russian ingqikelelo, abolekwe kusenziwa amazwe yenkundla, ngokukodwa, IsiNgesi kunye nesiJamani. Ngoko ke, xa befuna iindlela lokusetyenziswa kwayo esemthethweni ngokwaneleyo ukuba kubhekiswa amava amazwe.

Indlela yokusombulula iimbambano impahla

Ukuthatyathwa lulwimi Latin (Ukuthatyathwa) kuguquliwe. inshorensi Ukuthatyathwa - bugwetyelwe ngokusemthethweni ukutshintshwa iimfuno ekunene, enyanisweni, yenye iintlobo ukunikezelwa. Kuba ukhuseleko lukhulu izinto eziphathekayo ye-inshorensi inika lembuyekezo yomonakalo ezinokwenzeka, njengoko kubekiwe kuMgaqo izibophelelo sivumelwano. Ukusombulula insurer imbambano propati (abaxhamli) kunokuba ukuphepha iingxaki angazithandiyo ekufumaneni umdlwenguli.

Nangona kunjalo, i-inshorensi unelungelo ukuba ahlawule lokumiswa inshorensi kumxhamli xa kungekho bungqina obubonakalayo umonakalo ubunzima ngokohlobo iindidi amaxwebhu, izimvo zeengcali, njalo-njalo. N.

Ingcamango parameter nganye

Ukuhlehla - ilungelo abanaluncedo apho umntu ophethe imbuyiselo ngenxa yomonakalo obangelwe ngomnye umntu, ilungelo lokufuna ukuba i umva abuyele kuloo mntu. Umzekelo, ukuba inkampani izithuthi njengoko umnini-sithuthi zincitshiswe umonakalo owabangelwa umsebenzi wayo, ukuba uyakwazi kwintsimi zomthetho ukuba kubuyiswe iindleko zabo, oko kukuthi, ukuvelisa yabaxwa.

Ngokuyenza, oku kuthetha ukuba i-inshorensi akuthathwa njengomntu, ukuze kubuyekezelwe ububi, njengoko oko kubonakala njengezifundo yonxulumano ukuvala umonakalo inshorensi imbuyekezo sisenzo indemnity kwi-inshorensi, zibonakele ngexesha lokuzisa ukuba ubulungisa ngenxa yomonakalo obangelwe ukuba umntu wesithathu. Ngenxa yoko, inkqubo uncedo uvelisa ukubuyiselwa ezindleko inshorensi, hayi ixhoba.

Ukufana amabango inshorensi

Bekuya kuba yinto ephosakeleyo ukuqwalasela uhlobo Ukuthatyathwa neemfuno kuchaswa. Kodwa la magama zifana, Ukuthatyathwa kwaye umva kwi-inshorensi ezinikezelwa izenzo umnqophiso kunye amagunya okuwisa: imfuno kuchaswa esekwe Inqaku le-14 uMthetho MTPL kunye Ukuthatyathwa - Inqaku 965 of the Code Civil kuphela malunga nonxibelelwano inshorensi. Zombini ezi nkcazelo - luhlobo lwelungelo yebango evela kuphela xa kukho ezinye iimbopheleleko. Ukongeza, isibophelelo esingundoqo kuya kunqunyanyiswa ekwenzeni kwayo, eziveliswe liqela lesithathu. Kuyinto ukuzaliseka kwaye sisiseko ukuvela la mabango inshorensi.

Ukuthatyathwa kunye umva kwi-inshorensi, iiyantlukwano zabo

Ngokungafaniyo Ukuthatyathwa baziphendulele kakhulu siyifumana iindlela ezahlukeneyo amanyathelo. Ukuba Ukuthatyathwa-inshorensi - eyongeziweyo lobeko lwe ukutshintshwa ngasekunene imfuno, i parameter nganye - oku kukuzimisela entsha. Kufuneka kuqatshelwe ukuba bahlule neenkqubo zazo zolawulo ezahlukeneyo, kwakunye ngummiselo ukulinganiselwa.

Insurance Ukuthatyathwa isebenza kubo bonke abantu, kwaba bafundi limited isangqa kunokuba elimxinwa abantu. Ukongeza, ukutshintshwa ilungelo lokubanga Ukuthatyathwa ngokungqinelana nomthetho, umbolekisi unyanzelekile ukuba ukwazisa insurer zonke iinkcukacha ezifumanekayo angenise amaxwebhu afanelekileyo ukwenzela ukumiselwa insurer kweemfuneko ekunene, wegqitha kuye.

Umgaqo Ukuthatyathwa

Umgaqo ezisisiseko Ukuthatyathwa kwi-inshorensi ukuya ku-inshorensi ukuba enze iintlawulo ngokungqinelana imvumelwano, ilungelo ibango imbuyekezo ubungakanani ilahleko bafaka yi ngumntu onoxanduva ebangela umonakalo.

UmMiselo kolwalamano olunjalo lwenziwa yi insurer ngokuhambelana nemithetho emiselwe kunye nemimiselo yendawo. Ngenxa yoko, Ukuthatyathwa-inshorensi - uhlobo olulodwa leendibano kwezoqoqosho, ngokusekelwe nokunikezelwa umngcipheko yanxulunyaniswa nomonakalo eziphathekayo ukuya amaqela athatha inxaxheba kule nkqubo. Ngaphezu koko, olu hlobo lomsebenzi lwenziwa yimibutho ezizodwa, baba iziqendu kunye ukuvelisa iinzuzo inshorensi xa isicelo ngokunxulumene ekulahlekeni izilangazelelo nempahla-inshorensi. Ngokuhambelana ne Art. 965 of the Code Civil, ukuba isivumelwano akabakhathalele kwezinye iimeko, i-inshorensi ehlawule imbuyekezo, ofumana banelungelo lokufuna ukuba imali ethile yokuphulukana umntu onoxanduva yona.

Isixa yokulahlekelwa phantsi Ukuthatyathwa

Iilahleko (.. Isolotya 2 Inqaku 15 womGaqo Civil) uthetha:

• Isixa-mali yeendleko ezenziweyo ngalo mzuzu okanye kwixesha elizayo ukubuyisela amalungelo badlwengulwe.
• Imali umonakalo kanye, kuchazwe nayiphi na ilahleko okanye umonakalo kwimpahla.
• Imali yenzuzo elahlekileyo, oko kukuthi, ngaba awusifumananga ingeniso ukuba umntu owenzakeleyo ifumene kwimeko kophulwa, ukuba imali-inshorensi yoluntu yenzeka ngendlela eqhelekileyo.

Ngenxa yoko, uhlobo zembuyekezo of Ukuthatyathwa ibonelela ubutyala lomntu ubungakanani bomonakalo.

Inkqubo ye ukufumana izikhalazo

Kaninzi, inkampani yeinshorensi ngokuchasene nomnye umntu unetyala ziya kuthunyelwa i email equlathe uluhlu impahla iKhowudi Civil kunye iimeko ingozi, kwaye eshwankathela itekisi izaziso malunga imfuneko uhlawule ityala kwi-mali ethile.

Noko ke, emva komyalelo Ukuthatyathwa, kuyimfuneko ukuhlola iphakheji epheleleyo yamaxwebhu ibango pre-kwetyala ukusonjululwa imeko impixano le, leyo kufuneka abandakanye ezi zinto zilandelayo:

1. Amaxwebhu nokuchaza yaye engqina isixa umonakalo, kufuneka luqulathe igama kwisenzo ukuhlolwa isithuthi yoviwo ezizimeleyo iifoto kunye neendleko umsebenzi wokulungisa okanye ukuhlawula amatyala ngomsebenzi owenziwa.
2. Amaxwebhu kokuqinisekisa umrhanelwa yengozi. Eyenkolo ubungqina yemoto reference (iFom 748) kwaye isigwebo okanye isigqibo lokuhlola imoto karhulumente.
3. Amaxwebhu okanye iikopi zawo engqina ngumtyholwa ekunene - isiqinisekiso sobhaliso karhulumente, kwakunye inshorensi isithuthi, nokutshekishwa ukuba mawuhlawule kwaye ingxelo ngengozi.

Ukuba inkampani yeinshorensi ayibandakanyi onke amaxwebhu umgwebele ilungelo Ukuthatyathwa, kuyimfuneko ukuba ukujongana ukwenza ingxelo yabo ntetho yebango. Le ncwadi zingathunyelwa ngeposi isaziso okanye umntu ukubonelela kuNobhala, bhala inombolo yoxwebhu ozayo.

Bebhala iileta impinda

Impinda ileta okanye izimvo senziwa ngenyameko kakhulu, yaye ukuba kuyimfuneko, ibe oko zinokuodolwa Autoexpert. Khangela ukuba amapolisa izatifikethi zendlela ibango umonakalo zokusilungisa, ukuqinisekisa ukuthotyelwa iiyure standard isebenza olwenziwe zobunjineli phezu ukubuyiselwa imoto.

Ukuba isixa umonakalo ugwetyelwa inkampani yeinshorensi asisiso kuhlawulwa iinkonzo ukulungiswa, kwaye ngokungqinelana ngokubalwa uviwo ozimeleyo, ngoko ukuze umngeni ukubala eyenziwa ngabo baya kuba nelungelo kwinkampani ingcali kuphela. Ngaxeshanye ngokutsha ukujongana inkampani ye-inshorensi kuyanqweneleka ukuthumela ileta ekhapha, injongo leyo isenokuba ukunciphisa ubungakanani ilahleko ukuba ingahlawulwa, okanye ngokutsha ityala, ukulungiswa ngokosuku. Kwakhona, le ncwadi kunokunceda ingqalelo ekubeni izityholo zixhomis 'ezintle ukukhusela amalungelo abo kwakunye zokuzigwebela isicelo imbuyekezo mali isetyenziselwe iinkonzo zomthetho enkundleni.

Umsebenzi ngokululama

Isohlwayo of Ukuthatyathwa ngokuqhelekileyo luqhutywa yi-arhente zomthetho ezahlukahlukeneyo yaye ibandakanya iintlobo ezahlukeneyo zeenkonzo:

• Uhlaziyo data yezembali kunye nohlalutyo olunzulu kwezivumelwano inshorensi yokwazi ubuninzi ematyaleni isakhono yokuyikhangela.
• Ukulungiselela kwamaxwebhu ngenxa yomonakalo senkundleni yamatyala, kwakunye kumangala ekulungiseleleni.
• UMbutho iminxeba ngomnxeba, nge-imeyili kunye khangela-ephuma kwindawo yokuhlala ukuya abantu abazeleyo banamatyala. Kulo mzekelo, ugxininiso ubuninzi kwi ekuphunyezweni isohlwayo yaphambi kwetyala.
• Ukukhusela iimfanelo zabathengi enkundleni, kwaye bailiffs enkundleni.
• Ukuqokelelwa kwemali.
• Ukunika iziqinisekiso ukuba umenzi wobubi kuvavanyo olwaneleyo ubungakanani Ukuthatyathwa kulawulwa ngumthetho kwaye hayi ngaphezulu zamabango-inshorensi.

inshorensi Ukuthatyathwa - yinxalenye ebalulekileyo weshishini, rhoqo umsebenzi ophezulu ezikumgangatho eyenza kube lula ukunciphisa ixesha lokubuya ihlawulwe imali. Ekugqibeleni, kube ngenxa inkampani yakhe inshorensi uyakwazi ukwandisa kakhulu ukusebenza imisebenzi yabo.