Insurance esisinyanzelo Russian Federation

inshorensi esisiNyanzelo kwi Russian Federation uzimisele yimithetho yase kwiintlobo ezithile ze-inshorensi yesinyanzelo.

Ezinye imithetho yase kwiintlobo ezithile ze-inshorensi yesinyanzelo anamalungiselelo ezichaza ezikhoyo zokhuseleko; izibonelelo ze-inshorensi; amabango inshorensi kunokwenzeka; isixa ubuncinane ukuba ukuhlawulwa okanye inkqubo yayo nokuzimisela; inkqubo kunye wongeniso kwentlawulo insurance premium; umyalelo ubungakanani, isakhiwo lwamaxabiso ye-inshorensi; wihi ezithile yesivumelwano-inshorensi; ukulawula ukuziphatha inshorensi; inkqubo yokuqingqa ubungakanani iintlawulo ze-inshorensi; imiphumo ukusilela okanye onganeno ukusebenza noxanduva kumaqumrhu liability insurance kunye nezinye izibonelelo.

inshorensi olunyanzelekileyo zohlulwa ngokwendidi ezifana neinshorensi ngokuncama policyholders (oku kuquka inshorensi kwemfuyo, izakhiwo, yabucala umkhweli inshorensi kaloliwe, umoya, mfula emhlabeni, lwaselwandle yezothutho ezindleleni); kwakunye kwipropati yabucala mandatory kunye Insurance State.

inshorensi imbopheleleko izinto zobuqu ichaza umdla ipropati ukuba anxulumene nokufa, ukusinda kwiminyaka ethile, ukuqala ezinye iziganeko zobomi ezinxulumene nokhuselo yobomi (i-inshorensi yobomi, ekunyanzelekileyo inshorensi iingozi); kunye nesicelo nawuphi na umonakalo ebomini (lwempilo) lwabemi okanye inkqubo yokubonelela ngeenkonzo zonyango (-inshorensi yezempilo kunye inshorensi ingozi, i-inshorensi yezempilo).

Property inshorensi esisinyanzelo yabela izinto lixakathiswe iminqweno, abaqhagamshelwe kunye nobunini, ukusetyenziswa kunye nokulahlwa impahla (insurance ipropati); umsebenzi loosomashishini (i-inshorensi yomngcipheko nezihombisi); umsebenzi ukubuyekeza umonakalo owenzeke kwabanye (insurance liability).

Ukukhuselwa izilangazelelo Russian Federation, sithwele mthethweni okanye kungavunyelwa umthetho, akuvumelekanga. Ukuba Umthetho ayibeki ochasene, ukuze zikhuselwe izinto ebe zizezakho iintlobo ezahlukeneyo ze-inshorensi propati okanye i-inshorensi yakho. Kulo mzekelo, i-inshorensi kuthiwa zidityanisiwe.

ERashiya, kuphela inshorensi akunakuthatha umdla inshorensi lwamaqumrhu asemthethweni ukuba abe nephepha-mvume ye.

Kukho kwakhona i-inshorensi yoluntu ezinyanzelekileyo. Kuyabonakala ngohlobo inshorensi ngokuncama-mali zohlahlo lwabiwo-mali. karhulumente Private inshorensi esisinyanzelo esekwe kwi-Russian Federation ukuba amagosa amapolisa, amagosa irhafu, abagwebi, abatshutshisi, abemi abizelwe emkhosini emkhosini, abasebenzi iiyunithi zomkhosi yangaphakathi (inshorensi yesinyanzelo yasemkhosini).

inshorensi kwempahla karhulumente ezinikwe kwiimeko zomonakalo okanye impahla umonakalo enxulumene ekuqhutyweni kwemisebenzi esemthethweni kunokwenzeka. Umzekelo xa kukho imfuneko ubungqina bokuba enjalo inshorensi inokuba yiyo nayiphi ntlekele enxulumene neentlekele ingakumbi enkulu isikali ngenxa iingozi zoshishino (eChernobyl isikhululo samandla atomic).

amabango inshorensi ye-inshorensi karhulumente ziya kuhlawulwa yi-mali karhulumente. Urhulumente njengesifundo ngayo ubudlelwane zemali kweli lizwe onceda-inshorensi kwepropati kunye nohlobo lobuqu kwiindidi ezithile abemi.

Lo mahluko ulwalamano esemthethweni inshorensi esisinyanzelo kunye inshorensi karhulumente ukuba kwimeko yokugqibela, urhulumente (okanye umzimba walo eligunyazisiweyo) liya kusoloko kusebenza njengomnye amaqela le-inshorensi, kunye neentlawulo amaxhoba ziya kwenziwa simahla (oko kukuthi, uhlahlo lwabiwo-mali).