Ixesha ubuncinane motor enyanzelekileyo inshorensi TPL ngo-2015

Kuba bonke abanini imoto eRashiya umthetho kwi-inshorensi motor ezinyanzelekileyo. Ukulungiselela le njongo, kukho umgaqo-nkqubo ekhethekileyo kufuneka afumane zonke umqhubi. Yintoni na ixesha ubuncinane motor enyanzelekileyo inshorensi TPL ngo-2015 kuya kuxutyushwa kweli nqaku.

Izigaba inshorensi

Kukho iindidi eziliqela zabamnini imoto, ngubani ekufuneka inshorensi phantsi kweemeko ezahlukileyo. Umzekelo, abanini izithuthi ababebhalisile imoto yabo ngaphandle Russian Federation, ukuthenga umgaqo MTPL isithuba seentsuku ezintlanu elinesihlanu. Unakho ukuthenga i-inshorensi ixesha elide - ukuya kwiintsuku ezimashumi mabini. Le mfunelo isebenza kuphela kwabo ngabaqhubi aba ehambayo kunye ithunyelwa kwindawo yokuhlala esisigxina, okanye indlela uhlolo mandatory zobugcisa kwesithuthi. Ukuze abo izithuthi ezibhaliswe kwi ummandla Russia, ixesha-inshorensi motor TPL ubuncinane esisinyanzelo unyaka omnye. Ukuba kutsha nje kwixa elidlulileyo kube yinto enokwenzeka ukuba inshorensi ubutyala yakho auto ubuncinane kangangeenyanga ezintandathu, ngo-2015 kuya kuba nzima ukuyenza.

Indlela yokubala indleko

iindleko-nkqubo kuxhomekeke kwizinto ezininzi. Eyokuqala imoto ngokwayo. Ukulandela le nkqubo ixabiso kummandla apho isithuthi ibhaliswe. Emva koko, umnini imoto kufuneka ucacise kule mvumelwano ukuba ixesha apho uceba ukusebenzisa isithuthi. Nangona kunjalo, kufuneka kukhunjulwe ukuba xa ubeke ixesha, ezifana iinyanga ezilishumi, ixabiso ziya kubalwa njengoko unyaka omnye. Ngoko ke, kungakhathaliseki ukuba ixesha ubuncinane inshorensi motor TPL enyanzelekileyo, iindleko nkqubo inshorensi CTP ayikwazi lihlawulwe ngezavenge, ukuba ingabi yi-inshorensi. Kungenxa yoko le nto, efuna ukonga imali, abaqhubi beze amaqhinga ahlukeneyo, ukuba nje ukunciphisa iindleko-nkqubo.

Indlela inshorensi imoto

Konke ekufuneka uyenze ukuze ufumane imvumelwano zothutho ukuya kwikota kakhulu ubuncinane motor enyanzelekileyo inshorensi TPL - ukuba uqhagamshelane yinkampani ebonelela ngeenkonzo ezinjalo. Namhlanje kukho uluhlu olubanzi lwemibutho ukulungele ukukhonza abathengi kwinqanaba eliphezulu kwaye ngamaxabiso afikelelekayo. Okona kubalulekileyo, akukho soyike zokuthenga i-nkqubo kufuneka kwixesha elizayo, akukho ngxaki, ingakumbi xa kuthe kwingozi yemoto. Ukuba ngozi iya kutyhila into yokuba umntu onetyala akukho inshorensi inyanzelekile, ukongeza yokuba uza kubuyisela umonakalo owenzeke ixhoba, kwanyanzeleka ukuba ahlawule isohlwayo enzima ukuba ukungabi kho kwalo xwebhu.

Yeyiphi nkqubo kukulungele kanye ukuba bathenge

Njengoko kukhankanyiwe ngasentla, ixesha-inshorensi motor TPL ubuncinane esisinyanzelo unyaka omnye. Zonke iintlawulo zilawulwa ngokungqongqo ngurhulumente, kwaye ngokupheleleyo zonke iinkampani ze-inshorensi zinyanzelekile ukuba sithengise i data iinkqubo ixabiso elibekiweyo. Noko ke, uyakwazi ukugcina kancinane.

Umzekelo, ukuba ngexesha lasebusika umntu awusebenzisi imoto yakho, ngoko, Kakade ke, akukho mfuneko yokuba overpay iinyanga ezimbalwa.

Kukwakho nabo abaqhubi babalekayo zothutho iinyanga ezintathu kuphela konyaka. Ngoko ke, amava idriving likhula, ingozi-free rate ukuqhuba le ukuwa ubudala yomnini ngokuzenzekelayo kwakhona babe neminyaka engaphezu kwama engamashumi amabini anesibini. yokubala factor iinyanga ezintathu iya kuba ngaphantsi kunyaka wonke, ngoko qiniseka ukuba ukhankanye nexesha esisetyenziswe ngayo isithuthi.

Emva ukuqokelela yonke idatha, umphathi-inshorensi ungenza isaphulelo omncinane abaqhubi ixesha ubuncinane inshorensi motor TPL ezinyanzelekileyo. Ezinye iinkampani, uzama ukufumana kangangoko kunokwenzeka, ziquka kule nkqubo kananjalo inshorensi yobomi. Ngoko ke ngaphambi kokuba usayine isivumelwano, kuyimfuneko ukucacisa arhente ibandakanyiwe nkonzo. Ukuba akukho mfuneko yokuba iinkonzo ezongezelelweyo, kungcono ukuba ndibanike phezulu, hayi overpay, kodwa ke kufuneka ukuba ulinde ngaphezu ngenyanga zobhaliso ubuncinane inshorensi MTPL. Rosgosstrakh, umzekelo, kunye elihle kakhulu, inika imigaqo kungekho naziphi na iintlawulo ezongezelelweyo. Ngoko ke, xa ixesha lokuba semthethweni-inshorensi kuza lufikelele esiphelweni, ungajika kumbutho ethembekileyo kwaye ngokukhuselekileyo ukuqhuba imoto omnye unyaka.