Ukupheliswa kwe-CTP contract: amaxwebhu, izibonelelo, yokubala intsalela isixa-inshorensi

Ukuza kuthi ga ngoku, nawuphi na umnini wesithuthi uyazi ukuba kukho mgaqo-nkqubo onjalo inshorensi. Eyona nto ibalulekileyo kuyilo yakhe ukukhetha umbutho ethembekileyo. umqhubi ngamnye unokujongana xiyimo xa kufuneka ukupheliswa yokuqala a CTP ngemvumelwano. Kwenze kakhulu yokwenene, kodwa kunokuba nzima ngaphandle ulwazi zonke nezo umthetho. Noko ke, ukuba ulandele imiyalelo ezithile, eziza aboniswe ngezantsi, unako ukuthintela iingxaki uze ufumane imali yakho ngaphandle naziphi na iingxaki.

ulwazi ngokubanzi malunga ukupheliswa kwexesha lesivumelwano inshorensi

Izizathu zokuba kungafuneka ukupheliswa esisiNyanzelo imvumelwano, mhlawumbi kunjalo kuba kakhulu okuninzi,, nokuba umelwe ngqo ngokupheleleyo le imithetho esebenzayo. Indlela kuphela unako ukufikelela iziphumo ezinqwenelekayo ayinikezi amagqwetha isizathu ukwala inshorensi amalungelo akho omthetho.

Emva alungise yonke umkhuba zomthetho, umqhubi unelungelo ukuba zihlawulwe phambi kokuba isixa-nkqubo, ngaphandle kokuba 23 ekhulwini kweendleko inshorensi, ezibandakanya iintlawulo beenkampani inshorensi lokufumana elisisinyanzelo nabaKhuseli Union, kwakunye neendleko ezinxulumene yokwenza ushishino.

Ngawaphi amaxwebhu afunekayo ukuze ukupheliswa

Ukupheliswa kwesivumelwano inshorensi CTP - inkqubo eqhelekileyo efuna umqhubi kokuba iseti ethile yamaxwebhu. Phantsi komthetho ngoku, kuyimfuneko ukuba alungiselele;

• kufunyenwe intlawulo yeenkonzo inshorensi kwi-inshorensi;
• yesivumelwano yokuqala;
• yesivumelwano lokuthenga / intengiso yemoto;
• isicelo se kwisampula esisezantsi ukupheliswa yokuqala inshorensi;
• naluphi na uxwebhu ezingqina yesazisi yakho.

Olu luluhlu esisiseko yamaxwebhu inyanzelekile. Noko ke, kuxhomekeke isizathu yokuphelisa, inkampani yeinshorensi unelungelo elipheleleyo ezifuna ezinye amaxwebhu ezongezelelweyo. Ngoko ke bayacetyiswa ukuba batshekishe nabameli strahovalschika Uluhlu oluneenkcukacha zonke wokubhala eziyimfuneko ukubalungiselela kwangaphambili ukuba ukupheliswa CTP contract kudlule ngokukhawuleza ngaphandle kobuxhakaxhaka.

Kwezinye iimeko, oko kufuna imvumelwano ipheliswe-inshorensi?

Ukuza kuthi ga ngoku, ukupheliswa okuqala CTP kwezi meko zilandelayo:

• ukufa umnini imoto;
• Ukuphela mvume ye-inshorensi ukwenza imisebenzi yayo;
• engozini yemoto apho imoto sele kakubi kakhulu ezifunyenweyo eyonakeleyo kwaye ayikwazi kubuyiselwa;
• umnini utshintsho imoto.

Kwezinye iimeko, ukupheliswa kweemoto enyanzelekileyo contract inshorensi TPL yi insurer kunokwenzeka, kodwa kusenziwa iimeko ezinjalo zinqabile kakhulu, ngoko ke wena musa phezu kwabo akwenzi ngqiqo. Kuxhomekeka isizathu apho umqhubi anqwenela ukuba ukunqumamisa ngaphambi kwexesha iinkonzo inshorensi, inkqubo iinkonzo ezingezo-inshorensi kungenziwa ngeendlela ezahlukeneyo. Ngoko ke, ngamnye amatyala kunokwenzeka kufuneka ziqwalaselwe zodwa.

umnikazi Car ukufa

Ukuba ufuna ukuphelisa isivumelwano inshorensi ngenxa ukufa umnini esemthethweni emotweni, ngoko ke kufuneka uzilungiselele la maxwebhu alandelayo:

• isivumelwano inshorensi yokuqala;
• zonke iirisithi ze-nkqubo;
• isiqinisekiso sokufa le lomnini imoto.

Xa ziza ilungiswe onke amaxwebhu, kuya kusebenza kuphela ukuba inkampani ye-inshorensi aze angenise isicelo.

Imoto ayikwazi inokulungiswa

Ukuba imoto leyo ingozi leyo engahambelaniyo "nobomi" umonakalo, ukusebenza kwale mvumelwano MTPL izakuyekiswa ngokuzenzekelayo, Noko ke, ukuze afumane imbuyekezo ngemali yomnini umatshini kuya kufuneka ukuba zingenise iirisithi kwentlawulo kwekhontrakthi inshorensi yokuqala.

Ukupheliswa kwe-mvume ye-inshorensi

Ukuba inkampani yeinshorensi iphelelwe mvume, nto leyo evumela ukuba nenxaxheba kulo msebenzi, le nkqubo liyayeka ukuba ngokuzenzekelayo ntoni kuwe na ukuba amaxwebhu ngenene akukho kunye neengxelo. Ingxaki kukuba ukufumana imbuyekezo yemali kulo mzekelo iya kuba nzima kunene.

Ukutshintsha umnini-moto

Ngaba I rhoxisa i CTP contract ngethuba lenguqu bobunini isithuthi komnye umntu intengiso okanye umnikelo kwipropati? Kulo mzekelo, ukupheliswa kwale nkqubo lwenzeka ngendlela eqhelekileyo, Noko ke, wonke umntu uya kufuneka ijongane umnini wangaphambili, iinkcukacha zakho apho kucacisiwe kule mvumelwano inshorensi.

kokupheliswa nkqubo: nini isicelo?

Abaqhubi abaninzi abanomdla umbuzo yendlela ukubuyisela imali ye-inshorensi. Ngaphambili ingqalelo amatyala eziziintloko ukuvumela ukupheliswa kwesivumelwano phakathi umqhubi kunye inshorensi, kwakunye namaxwebhu ayimfuneko, kodwa xa kungcono isicelo?

Lo mgaqo-inshorensi yangoku uphelelwa amandla ezisemthethweni ukusuka kwixesha umqhubi yesibheno kwinkampani ye-inshorensi, kwaye hayi emva ukupheliswa olusesikweni kwekhontrakthi. Ngoko ke, ayikhuthazwa ukucothise nokufakwa kwesicelo, kuba uchaphazela isixa imbuyekezo ngemali. Ukuyenza ibonakale ncono, makhe ngqondweni nemeko imoto ithengiswe ngo-Apreli, kwaye umnini wangaphambili wesithuthi isicelo kwinkampani ye-inshorensi kuphela ngoJulayi. Kulo mzekelo, iinyanga 4 akukho imbuyekezo iya kuba, njengokuba ipolisi ye-inshorensi leyo kuthathwa njengezisemthethweni.

Ngawaphi amaxwebhu kufuneka bahlangane?

Amaxesha amaninzi, iinkampani ezininzi inshorensi kundikhanyela abaxhasi bazo ithuba yokuphelisa yokuqala inshorensi. Ukuba babe kule meko bacetyiswa ukuba alungiselele iphakheji amaxwebhu, equka:

• velveteen yokuqala;
• isicelo sokupheliswa isampuli kwesivumelwano CTP esungulwe;
• yokundwendwela okanye mvume lokuqhuba;
• kufunyenwe intlawulo ye-inshorensi;
• nefotokopi TCP;
• ikopi isivumelwano sokuthenga / intengiso, kwakunye amandla egqwetha sikhutshwa kumnini omtsha;
• nefotokopi isiqinisekiso sokufa kwimeko yokufa ngaphambi bangabanini abafanelekileyo;
• isenzo yokulahlwa isithuthi, ukuba lithe ibuyiselwe;
• amaxwebhu ezongeziweyo zingacelwa yi insurer.

Ukuba amaxwebhu unayo yonke into ukuze, ke, abameli kwinkampani ye-inshorensi ngenkani ukwamkela isicelo sakho ekucinyweni-nkqubo, nceda uyithumele ngeposi eqinisekisiweyo kwidilesi yendawo ye-ofisi eyintloko. Kulo mzekelo inkampani nje ngoyaba isibheno sakho kwaye kuya kufuneka ukuba anike impendulo esemthethweni.

Njani na imbuyekezo?

Phantsi komthetho ngoku, ukubuya imali benefits oku kwenzeka ngokukhawuleza emva ukupheliswa ngokusemthethweni kwesivumelwano kuya kwenziwa CTP. Ukuba umxhasi Kulula kakhulu ukuba le mali idluliselwe kwi-akhawunti yakhe yebhanki, inkqubo efanayo ingaqhuba kwiiveki ezimbini elide.

Kulo mzekelo, ukubuyiselwa phezu kokupheliswa-inshorensi yemoto zonyulwe:

• iindlalifa ngqo umnini-sithuthi xa kuthe yokufa kwakhe;
• mnini emotweni;
• Nabanina umntu igunya kubameli egqwetha ukusuka umnini-moto.

Isixa sembuyekezo lokuphelisa isivumelwano inshorensi kuxhomekeke kwizinto ezininzi, omkhulu phakathi apho kangakanani kubiza CTP. Kukho indlela ekhethekileyo ngawo ukubala imbuyekezo.

Ifomula yokubala intlawulo yemali xa eyeka inshorensi

Sele ukwazi njani ke ukubuyisela imali-inshorensi ngexesha uphelele ekuqaleni,, ingakanani imali ungalindela le? Iinkampani ze-inshorensi ukujonga Isixa sembuyekezo sikhokelwa le ndlela ilandelayo:

D = (P-23%) * (N / 12) apho:

• D - imbuyekezo;
• P - imali ehlawulwe yinkampani ye-inshorensi kwesivumelwano;
• N - inani leenyanga elingasetyenziswanga;
• 23% - enxulumene iindleko, apho inshorensi uvelisa ulawulo kwimeko umxhasi ngamnye.

Ngenxa yoko, ekuqaleni ukunqumamisa CTP contract, isampuli apho zifumaneka kwi website esemthethweni ye-inshorensi, ukuze afumane imbuyekezo ngemali, iyavakala kuphela kwimeko ngaphambi kokuphela ukunyaniseka kwayo uhlala isithuba seenyanga ezi-6. Ukuba mgaqo-nkqubo uye wahlala iinyanga enye okanye ezimbini elingasetyenziswanga, ukupheliswa akwenzi ngqiqo, kuba imali yembuyekezo kunokuba ngaphantsi kakhulu iindleko zakho ezinxulumene enoba kangakanani kubiza CTP.

ukupheliswa yobume CTP; ntoni xa imali ukufika nina?

Kukho iimeko, xa umqhubi sele isicelo ixesha, ukulungiselela amaxwebhu eziyimfuneko ngokutsho kwemithetho ezikhutshiweyo imvumelwano ipheliswe inshorensi, nangona kunjalo, imbuyekezo yemali emva kweeveki ezimbini akangenanga kwi-akhawunti yakhe yebhanki. Kufuneka wenze ntoni kule meko?

Inyathelo lokuqala kukuba isicelo kwinkampani ukuzama ukufumanisa unobangela weengxaki yangoku. Kusenokwenzeka ukuba intlawulo ilibele nje. Ukuba ubunyani intlawulo kuqinisekisiwe, akukho nto iphosakeleyo ngaloo nto, kwaye kufuneka ulinde ixesha elidana. Noko ke, xa kusenziwa, phantse zonke inshorensi bengaxeli kakhulu ukuze kupheliswe CTP contract kwaye abuyisele umthengi. Kulo mzekelo, kufuneka wenze ikopi ye-nkqubo kunye nenkqubo yokufaka isicelo uqhagamshelane Motor nabaKhuseli Union. Lo mzimba self-olawula inxaxheba ekusonjululweni kweembambano ezahlukeneyo phakathi abaqhubi kunye inshorensi, kwaye zokuxhathisa ezininzi azinampembelelo inkampani, asebenza kakubi. Kwiimeko ezininzi, isibheno lo mbutho kunceda ngokukhawuleza ngokukhawuleza kakhulu ukulungisa lengxaki ze imbuyekezo phezu nokupheliswa inshorensi lwemoto zifike uthunyelwe ezi.

Kwezinye iimeko, imbuyekezo umgaqo ukurhoxiswa unganikezelwanga?

ukupheliswa kwangethuba zeenkonzo-inshorensi - lilungelo osemthethweni wonke ummi, Noko ke, kukho inani lamatyala in wobugqwetha, apho imbuyekezo yemali ungekho. Omnye wabo yi ngokunqunyanyiswa kwinkampani ye-inshorensi. Umzekelo, iziko ngokusemthethweni ngenxa yimali, yaye lingakwazi ukukhawulelana nezibophelelo zalo zemali kubathengi. Kulo mzekelo, umthetho akhulule insurer evela nezibophelelo zawo.

Elinye icala eqhelekileyo lokuphelisa isivumelwano ne-inshorensi ngenxa yokuba umthengi yanika ulwazi olungachanekanga. Ukongeza, ukuba umnini wesithuthi liceba uhambo olude phesheya, kwaye akukho izicwangciso ngeli xesha ukusebenzisa umatshini, imbuyekezo kwakhona ungekho, njengoko kungekho zizathu ezivakalayo imali kule meko. Ukuze siphephe imeko esele ezinxulumene yokuphelisa yokuqala le-inshorensi, sincoma ufundisise ikhontrakthi xa kubhaliswayo komgaqo- MTPL.

isiphelo

Inkqubo kokupheliswa kwesivumelwano inshorensi lu dityanisiwe ezininzi iingxaki kwaye akusoloko aye ngaphandle koqiniso. Oku kubangelwa kukuba uninzi ezinemingxuma mthetho Russian enaningamkelanga bangafuni ukusebenzisa inshorensi ezingalungile. Ngoko ke, sinako ukuya enkundleni xa kuthe kwakho naziphi na iingxaki. Njengoko yokusebenza ibonisa, uninzi khuphiswano azuzeke i zeinshorensi, ngokuba iijaji ukhetha ukuthatha indawo abemi abaqhelekileyo. Ke ukuba, njengokuba kwaba njalo, ungaze utyhafe. Ukuba uyazi ukuba ekunene kwaye umthetho ngecala lakho, soloko ujonge nemibutho efanelekileyo ukuba imbuyekezo ngemali.