Kwimeko-inshorensi CTP. Iintlawulo MTPL. Inkqubo kwimeko yengozi

Xa ubomi umqhubi zonke kwakuba mzuzu kuvela xa kufuneka bacinge malunga inshorensi imoto. Emva koko owayekuthanda ebheka phambili yabo, lo gama abanye ukhalaze malunga iimpazamo kuba kufuneka imbuyekezo zonke iindleko ngokwazo. Eli nqaku intando iinkcukacha ukuba kunjalo ngenxa motor enyanzelekileyo inshorensi TPL, siza kuxubusha zonke iinkcukacha imvelaphi yayo, inkqubo kunye nokufumana intlawulo.

definition

isiganeko ngeInshorensi - isiganeko ebangele umonakalo into kwekhontrakthi. MTPL ubomi inshorensi, impilo, impahla amaqela wesithathu, oko kukuthi, umonakalo owenzeke umqhubi umntu. Hull ihlawula umonakalo isithuthi ezifunyenweyo (TC) polisi.

isiganeko ngeInshorensi - ithuba ukuze uqhagamshelane nenkampani imbuyekezo. Kodwa ngaphambi kokuba abantu umvuzo, kukho isifundo eneenkcukacha ngeenyani nangeemeko yale ngozi. Ukuze ngaphandle iimeko zobuqhetseba, inyathelo ngabom okanye injongo, inkampani kuhlolisisa onke amaxwebhu ngokweenkcukacha.

algorithm

Yonke imithetho inshorensi, kwakunye nenkqubo ixhoba izenzo kumiselwe kwisivumelwano. Ngokufutshane, algorithm ngolu hlobo lulandelayo:

• ukufaka triangle isilumkiso;
• ukubiza amapolisa;
• musa ukususa imoto ukusuka kwindawo;
• ukuba ivumile ukuba asayine isatifikethi kwiingozi zendlela ;
• abize bemlandela truck;
• Isaziso SC kwi kwexesha elithile.

Tsalela inkampani ngoko nangoko emva kokuba i yengozi kuyimfuneko. Okokuqala, abasebenzi ngenkankulu ncedo indlela echanekileyo amanyathelo kwaye zonke bokuqonda wokubhala. Okwesibini, babuza ngokufumaneka kweziqinisekiso engqina kokuvela isiganeko inshorensi. Ngoko ke kuyimfuneko kwangaphambili aqhelane lesivumelwano kwaye ukhangele ngokulandelelana yezenzo.

okokuqala

Ukuba abandakanyeka kwingozi, kufuneka ubeke imiqondiso alarm kule ndawo. Ukuba kuyimfuneko, ukunika uncedo amaxhoba. Emva koko ubize amapolisa ezendlela ngokufonela 002, 112, 911.

Ixesha lokulinda akuyomfuneko ukuba lixoxe ngazo naziphi bokuqonda kunye Ezecala lesibini ngozi. Olu lwazi ke isetyenziswe kuwe. Iyafuna ukuchitha ixesha ukulungisa iinombolo zobhaliso izithuthi, becela igama nabanye abathathi-nxaxheba yengozi, iinombolo zabo yefowuni, kungakuhle ukufumana idata amangqina, ukuba zikhona. Ngeli xesha linye, nathi sifanele senze ingxelo. Esi siganeko inshorensi kufuneka kuchazwe ngokungqinelana neemfuno ecaciswe kwimvumelwano.

Ixhoba Kucetyiswa ukufumana iinkcukacha zoqhagamshelwano ingozi, siyacela, igama lenkampani ye-inshorensi, inani nkqubo yakhe inshorensi. Ukuba nxaxheba ngozi eninzi (iimatshini ngaphezu ezimbini), kwaye ngokucacileyo ukuchaza ngubani onoxanduva ngento eyenzekileyo, kunzima, kuyimfuneko ukuba udliwano onke amaqela kunye ngokudibeneyo wenze isaziso ukuba isiganeko benefits oku kwenzeka ngo CTP. It iqhotyoshelwe kule nkqubo.

Ukuba omnye umqhubi engavumelani noko okanye abafuni ukuba basayine uxwebhu ekungeyomfuneko ukuba angakhathazeki. SC akanalo ilungelo lokwala intlawulo kuphela ngenxa yokunqongophala isicelo.

iingongoma ezibalulekileyo

Ide ukufika amagosa endlela kwi ndawo unezinto ezininzi ukutshintsha. Ngoko ke, ukuba kukho ikhamera okanye ikhamera yevidiyo, kuyimfuneko ukuba kuhlume ngoko nangoko kwicandelo lomboniso (emacaleni ezine) kunye amaxhoba, ukuba zikhona. Kungcono ukuthatha iifoto ezimbalwa kwiikona ezahlukeneyo kunye nomgama.

Xa isayithi ye-ngozi akakwazi ukutshintsha nto. Kodwa ukuba jam izithuthi, kwaye amaxhoba banyanzeleka ukuba ukukhulula endleleni phambi kokuba afike amapolisa, ukuba kuyimfuneko ngaphambili ukwenza iskim ingozi, phambi kwamangqina ukulungisa imeko yesithuthi kunye nokulungiselela ingxelo. isiganeko inshorensi iya kwenziwe imigaqo ecaciswe kwimvumelwano. Ukuba kukho izinto ezifanelekileyo kwi ndawo (umzekelo, iiglasi ezaphukileyo), kuyimfuneko ukuba athathe onke amanyathelo olondolozo yabo ukunciphisa yafakwa.

Ukuba imithetho inshorensi zinika ingcaciso zokuqhambuka ingozi zebandla zibe zifunge umnxeba, akazange mathidala ukufumana phandle igama lomqeshwa lowo wathatha umnxeba. Ukuba kwixesha elizayo amazwi akhe enokukucaphukisa ukuphazamisa umyalelo wobhaliso maxwebhu, kuya kuba ukuba umntu ukubhekisela. imigaqo Owners CASCO kufuneka yazise i-UK yedwa.

Ukwenza imeko motor obunyanzelekileyo inshorensi TPL

umhloli yamapolisa Traffic ekufikeni kunyanzelekile ukuba bonke abathathi-nxaxheba yesiqinisekiso yengozi sobhaliso lwesithuthi, iphepha-mvume kunye inshorensi nkqubo lokuqhuba. Ngokusekelwe data ziyaqokelelwa zonke macala scheme ingozi, inikwe ukupeyinta zonke iimeko yale ngozi. Esi siqinisekiso kuyimfuneko ukuba ufake iinkcukacha zakho amangqina, ukuba ikhona, kwaye ngabakhweli. Ukuba inkcazelo iyinyaniso, kunokwenzeka ukuba asayine iphepha. Ukuba umntu ucinga ukuba amaxwebhu CTP yetyala inshorensi yenziwe ngokuchanekileyo, kuyimfuneko ukuba ukulungisa kwisaziso. Kulo mzekelo, kufuneka ukhankanye i "Andivumi 'ize iyisayine.

umhloli ixhoba unyanzelekile ukuba ukukhupha ikopi protocol of ityala, kuphando, scheme ingozi (indawo isicwangciso kunye indawo imoto ngesantya,, imigama elekhtrons, inkcazo indawo yokungqubana), iinkcukacha uhlolo lwezithuthi ukucaciswa bonke abathathi-nxaxheba kunye namangqina. La maphepha kufuneka ngokucacileyo Igama kunye nesihloko ngumhloli. Ukuba amaxwebhu ayikwazi kukhutshwa ngoko nangoko, kuyimfuneko ukuba ukhankanye ixesha ngqo ityala uze uye kwindawo ethile ngexesha elithile.

Ukuba le ngozi iye yabangela umonakalo omkhulu impilo nexhoba, amaxwebhu ayimfuneko ukuze enze isenzo axilongwe. Le nkqubo yenziwa kwindawo yengozi okanye esibhedlele, phambi kwamangqina amabini. Nantsi indlela kwimeko ethile inshorensi CTP kufuneka esisigxina - ingozi.

bokuqonda

Emva kwengozi kufuneka ziphononongwe ngononophelo lomonakalo kwisithuthi. Ngoko ke amapolisa ezendlela kufuneka ukuchaza ngokucacileyo kubo, kwakunye ukufaka kwisenzo ibinzana elithi "iziphene kunokwenzeka ifihliwe." Kungenjalo, i-UK akuthethi ukuhlawula iindleko zokulungisa umonakalo khange ichazwe ngaphambili.

Kufuneka kwakhona uhlole ukuchaneka imithetho elandelwayo kunye neziqinisekiso, ukuchaneka ezi data kwi indawo kunye nexesha le ngozi, ulwazi malunga nxaxheba kunye nesithuthi. Zonke izilungiso kufuneka ingqinisiswe isitampu, utyikityo zebinzana "Ukuguqulwa". Olu xwebhu kufuneka sibhalwe phezulu ngendlela efanayo.

Yiba imoto kangangoko kunokwenzeka emva kokuba ukubhalwa ingozi kunye imvume komhloli.

ezinye iinketho

Ukuba isithuthi sele ubunzima ngenxa yeentlekele zendalo ezifana zinjengesaqhwithi okanye ukuwa ibhilibhodi, andule ukunyusa ngenxa uncedo malunga siganeko kufuneka uqhagamshelane ne-ofisi yengingqi ye Rosgidrometeotsentra. Ukuba umatshini zokutshiswa ngumlilo, uxwebhu ahambelanayo zingafumaneka kwiSebe Fire.

nkqubo Owners CASCO ukuba imbuyekezo umonakalo owenzeke amaqela wesithathu, kufuneka ubhale isicelo ukuya kwisikhululo samapolisa sobummandla kunye uthabathe isiqinisekiso esingqina kukubiwa iinxalenye. Ngokufanayo, kufuneka siyenze xa kuthe ukubiwa kwemoto.

Ukuba isiganeko benefits oku kwenzeka CTP (RTA), kunye ngumtyholwa wafumana nkqubo kwesinye isixeko, kufuneka uqhagamshelane nesebe lakho yenkampani. Intlawulo imbuyekezo kufuneka ibe kwindawo elula ukuba ixhoba (isixeko).

Nantsi indlela kuyilo amatyala inshorensi inshorensi motor ezinyanzelekileyo.

uzenze

• Hambisa isithuthi okanye enxulumene indawo DPT izinto ngaphambi kokuba amapolisa ezendlela kungekho sizathu esihle kakhulu.
• Samazwe ukuba bahlaselwa nxaxheba yaye ukuba ahlawule umonakalo kwelinye icala amapolisa ngokukhawuleza.
• Ukuba uphaphazele.

isaziso SC

Imihla apho umxhasi linyanzelekile ukuba ukuvakalisa siganeko, ecaciswe kwimvumelwano. MTPL, bona iintsuku ezili-15 ukususela kumhla kwengozi, ngokutsho Hull - iintsuku ezi-3 zomsebenzi kuzo zonke iimeko, ngaphandle ngenxa yobusela. Kwimeko yokugqibela umntu iiyure ezingama-24 kuphela. Emva koko kufuneka uze isebe UK nokubonelela impahla epheleleyo yamaxwebhu. uluhlu kwakhe, naye imvumelwano. Umntu iintsuku 15 ukuqokelela amaphepha. Nangona amaninzi amaxesha ukuba azilawulwa.

Ukuba indawo ye ixhoba yengozi akafumani nawaphi na amaxwebhu, isicelo ahambelanayo ungenza UK. Ukusuka umthengi kuya kufuneka ukunika yokundwendwela, le nkqubo yokuqala, iikopi iirisithi, isiqinisekiso sobhaliso imoto, iphepha-mvume lokuqhuba, i "Izaziso" yantlandlolo, iinkcukacha zebhanki yombutho owenzakeleyo, ingxelo in duplicate ukufumana iintlawulo amatyala inshorensi. Paper kufuneka istampu, imihla engenakubalwa.

Abasebenzi compulsorily ukuqhuba uviwo. Ukuba umonakalo omkhulu kakhulu, ingcali kufuneka ahambe aye kwindawo yengozi. Kuxhomekeka kuvavanyo ukuhlawulwa elabelwe mali. Ukususela nokungeniswa kwamaxwebhu e-UK kufuneka kwiintsuku ezingama-20 ukuba enze isigqibo.

inkqubo Examination

Le meko idla kuvela xa umntu akavumelani kunye novavanyo kunye nentlawulo inani. Ukusombulula le ngxaki, oko kuyimfuneko ukuqhuba uviwo ozimeleyo ebandakanya nabahloli bamaxabiso abo abe nephepha-mvume ukuze benze lo msebenzi, kunye nabameli UK. Isimemo abasebenzi zenkampani kufuneka ukuthumela ileta ebhalisiweyo zingadlulanga iintsuku ezintathu phambi komhla yoviwo. Ukuba ixabiso lokuqala umonakalo ungaphezulu kwe-120 lamawaka engange, kufuneka bamenyelwe iimviwo kunye ingozi ngumtyholwa. Izenzo ezinjalo kwimeko-inshorensi CTP kuya kunceda phambili iqela elimele ukuba bafumane imbuyekezo ngokusebenzisa iinkundla. badla Abameli Insurance ngoyaba uphando oluzimeleyo. Kodwa apha into ebalulekileyo isiqinisekiso esithunyelwe ngawo isaziso esibhaliweyo. Ukuba UK wala ukuhlawula imbuyekezo okanye akukho mpendulo kwiintsuku ezingama-30 emva kokuba isifumene amaxwebhu kufuneka enze isicelo enkundleni.

Indlela yokwenza i-inshorensi xa CTP ngaphandle reference?

Kutsha nje kukho umkhwa zokubhalisa ngozi "evroprotokol" ngaphandle kwenxaxheba yabaqeshwa wamapolisa endlela. Ukuze lo mgaqo ukukhupha ingozi, kufuneka usebenzise iindlela akhethekileyo yi-UK. Bavuma zingadlulanga iintsuku ezi-5 ukususela kumhla ingozi.

iimeko yokubhalisa: Bonke abathathi-nxaxheba kufuneka inshorensi, ukuba ube ukungavumelani phezu umonakalo cebo kwingozi yemoto. Kuphela ke abaqhubi baya kukwazi ukufumana i amaxwebhu phantsi kwenkqubo lula. "Isaziso engozini" mayibe la bonke abathathi-nxaxheba yaye wabhekisela UK. Kulo mzekelo, ixhoba ayikwazi ukubeka iimfuno ezongezelelweyo kwi-inshorensi, kodwa le nkampani unelungelo lokwenza uviwo ukucacisa imiqathango yale ngozi.

Insurance "Rosgosstrakh": features CTP

• Ubukhulu benani imbuyekezo eziphathekayo - 400 amawaka engange ..
• Limit iintlawulo kumatyala inshorensi, ngokusesikweni "protocol yaseYurophu", - .. amawaka 50 engange, ukuba zombini nxaxheba ipolisi ye-inshorensi yengozi ezifunyenwe emva 08/01/2014. Kwezinye iimeko - 25 amawaka engange ..
• Zesixa mali yembuyekezo "protocol yaseYurophu", ubhaliso phezu isahlakalo yengozi e Moscow, eSt Petersburg kunye nemimandla enxulumene, abebalwa ngokusebenzisa zobugcisa zokuqinisekisa, - 400 amawaka engange ..
• Insurance "Rosgosstrah" kuhlawulwa ngekheshi okanye ngokuthunyelwa ukuyilungisa. Kwimeko yesibini kuthathelwa wear akhawunti kunye iinyembezi amalungu ukuba itshintshwe. Imoto ancedwe kuphela ezo kwizikhululo apho i-UK utyikitye isivumelwano ukulungiswa.
• ukusombulula ixesha nemiba - iintsuku zokusebenza ezingama-20.

Utshintsho mthetho ngo-2015

Kulo nyaka uphelileyo, i-Duma State yamkela izilungiso kuwo umthetho, ukwanda umda iintlawulo kwi nomonakalo kwipropati kwaye banxibe ngokuguqula zisembundwini wawo. Ukuba isiganeko benefits oku kwenzeka phezu CTP, umnini moto ngoku ukukhetha indlela yabo yokufumana imbuyekezo (ngekheshi okanye kwicala ukulungiswa). Liya kuzihlawula kuphela UK ochaphazelekayo, nokuba yintoni inkampani isebenza ingozi ngumtyholwa. I Duma State ikholelwa ukuba phambili ukuya yesebe insurer lomnye nxaxheba ingozi ukulibala kuphela inkqubo lokufumana imbuyekezo. Ngaphambili kwiimeko ezinjalo ngayo Kwabonelelwa ukuhlawula isohlwayo ka 0.1% yemali yembuyekezo wosuku ngalunye kokulibazisa. izilungiso ezintsha kuwo umthetho landisa ubungakanani ikhomishini ukuya kwi-1%.

Izohlwayo nabo kwimeko ukusilela yabasebenzi UK ukuba athengise abachaphazelekayo nkqubo MTPL. ubukhulu yabo 50 lamawaka. Thambisani. Iinkonzo ezongezelelweyo isixa inye kunyanzeliswa njengenye indlela kule nkampani.

Kwakhona zatshintsha inkokhelo lininzi ukufundisa nkqubo CTP "Rosgosstrakh". umcimbi Insurance, owenzeka phezu kummandla eMoscow, eSt Petersburg kunye nommandla iLeningrad iqikelelwa kwi-400 lamawaka. Thambisani. Abathathi-nxaxheba kule ngozi kuya kufuneka ukubonelela idatha nevidiyo-nokurekhodwa zombini iimoto. Kuba kwezinye iingingqi, i umda kuphela 50 lamawaka. Hlikihla.

Ezi zilungiso kwakhona ukunika ukulungiselela ukuqaliswa kwe-uluhlu lwamaxabiso kwipaseji, ukuba iinkampani ukwenzela ukunciphisa amaxabiso-nkqubo. Kodwa kungakanani kuya kuchaphazela iindleko "avtograzhdanki", akwaziwa. Ngokutsho koqikelelo lwabemi owandulelayo Russian Union of nabaKhuseli (RSA), Irhafu kuvuka ngexabiso yi 24.2%. Ukususela ngo-2016 kuya kulungelelaniswa yi-Central Bank.

Ixesha yeentlawulo kwiimbambano pre-kwetyala bancipha iintsuku 25. Kuba 20 zokuqala kuyimfuneko ekuphononongeni isigqibo ngentlawulo. Ngomhla ityala ngokwalo kusenjalo iintsuku ezi-5. Eli xesha akwanelanga ukuba ukugqiba inkqubo kwesiganeko ngasinye inshorensi. Umngcipheko ukuba isebenze avtoyuristy nezinika abathengi imbuyekezo ngemali ukuze afumane isabelo yebango. Emva koko ukuhlutha iingcali ezifana kwi UK kuthetha izihlandlo eziliqela ngaphezu mali yomonakalo. Apha kwaye inkampani ubunzima ilahleko, kwaye ngumxhasi ngokupheleleyo ixabiso lembuyekezo kwisandla ungaphelelwa. A isangqa eqhubekayo.

Izimvo wezazi

Ngokutsho abaqeshwa PCA, kukho enye ingxaki. WeMbuyekezo abathengi abaphathwa ngayo le nkampani, kunye enkundleni.

umzekelo

Man ufumene nkqubo MTPL of "Rosgosstrakh". umcimbi inshorensi kwenzeka ngenxa yengozi. Umxhamli, ngaphandle ebangela abasebenzi UK ibhekisela Umvandlakanyi labucala ukuba uviwo. Kodwa njani abantu abaninzi, iimbono ezininzi kangaka. Enye ingcali ucinga ukuba iimoto kufuneka ukubuyisela 1 ths. Hlikihla., Ke umnxeba yesibini mali ka-10 amawaka. Thambisani. Kwi umxhasi ofumana sigqibo ingqalelo ngoko nangoko enkundleni. Ngokutsho manani, yonke inshorensi 4 isebenza phezu scheme enjalo. Le meko eqhelekileyo.

Imithetho okanye ikhontrakthi yi senzelwe ukuba ngubani ukuze onelungelo "isiganeko inshorensi kwenzeka. Ndimele ndenze ntoni? "Yaqala ngokucacileyo ngolandelelwano izenzo. Okokuqala kufuneka ukuba azise amapolisa endlela. Ngokutsho manani, 8-9% kwezi meko zibhalwe "evroprotokol". Ukwanda imida Intlawulo iya kukhuthaza kuphela nxaxheba yengozi yenza ingozi ngaphandle endlela. Ngethiyori, ngomlinganiselo enjalo kuya kufuneka ukunciphisa kakhulu kwemikrozo yeemoto. Abaqhubi musa ukuba alinde iiyure eziliqela amapolisa. Kodwa practice, ixhoba akanako ukunika eyongezelelweyo SC iimfuno. Paper ibizwa kuphela "evroprotokol", kodwa wenziwa ukuncwasa Russian.

Ngokumalunga mbuyekezo iyenye ngohlobo wokulungisa iimoto, imeko luyathandabuzeka kakhulu. SRT, leyo UK utyikitye isivumelwano isenokuba 100 km ukusuka kwixhoba. Umqhubi baya kufuneka ukuba uhlawule kakhulu kwiindawo ezintsha. Hi ndlela leyi, izilungiso ezintsha umthetho, umda iinxalenye banxibe liye lehla ukusuka 80 ukuya ku-50%. Kwaye kwimeko izitishi ukulungiswa ihlwempu kuya kufuneka ukuba basingathe ngokwabo, nangona isivumelwano kuphothulwe SK.

banxibe Iimpawu

Isixa umonakalo bubonwa UPawulos iindleko iinxalenye ukuba itshintshwe okanye ilungiswe, zilungiswe ukuze ukuphelwa lixabiso. It is a isilinganiso esihlobene. Yena ephawula iqondo nokusetyenziswa amacandelo kunye amabandla kumatshini ngexesha emsebenzini wayo. Lubonakaliswa kwiiyunithi emali. Iminyaka ngaphezulu emotweni, kokukhona iindleko ezithile. Yiyo le intsingiselo nebangela iimbambano phakathi amaxhoba kunye UK.

Kuba uhlobo ngalunye inamacandelo efakiweyo imithetho yayo ukubala ukuphelwa lixabiso. Le parameter abalwa kuphela kwiindawo eziza kutshintshwa ngokupheleleyo. Ukuba yento kubuyiselwa,-inshorensi kufuneka ahlawule wokulungisa yonke. Iindleko ukwenzela ukuthenga ipeyinti nenkonzo imoto kufuneka nayo ingahlawulwa ngokupheleleyo. Oku kukwasebenza ukuba iimpawu zokhuseleko (airbag, imixwayo), ngaphandle apho ukusetyenziswa yeemoto akuvumelekanga. Iindleko kufuneka uthathe indawo ngomhla kosuku lwengozi, kodwa hayi xa uviwo luqhutywa.

isiphelo

Okwesithathu inshorensi party liability inyanzelekile kubo bonke abaqhubi. Kodwa imigaqo ezinjalo zenziwa rhoqo ngakumbi ngexesha lokuhlolwa, apho eyona meko ingundoqo lixabiso. Ukuba umqhubi kukho ingozi-free amava lokuqhuba elide, kufuneka ibe kungabikho ngxaki. Kodwa ke amathuba isiganeko benefits uhlale apho. Ngoko ke kuyimfuneko kwangaphambili aqhelane imithetho ekucwangciseni amaxwebhu kunye algorithm yezenzo kwimeko yengozi.