Ukuthatyathwa - it ... Ingcamango Ukuthatyathwa in inshorensi

Enye yezinto ezibalulekileyo kwaye lulolona lubalulekileyo inshorensi ekuthiwa-Institute of Ukuthatyathwa. Okumangalisayo kukuba, nangona lo Ukuthatyathwa - ayisiso isenzeko esitsha, yaziwa umthetho waseRoma, kuluntu mihla, Noko ke, asinguye wonk 'umntu uyaqonda, akwazi ukuchaza umongo walo. Kuba inkoliso kuhlala imfihlelo emva izihlwitha ezisixhenxe. Ekungazini ngamanye amaxesha nokungafuni baqhelane isigama ezingundoqo, kukho ukungakhathali banal kunokukhokelela ekugqibeleni yokuba insurer ngayo imvumelwano, bayala ukubatala umonakalo impahla ye-inshorensi yomntu wesithathu. Ngaphezu koko, kwiimeko eziqhelekileyo apho ngenxa yokungafundi zabo zomthetho ze umntana lowo kunyanzeliswa ukuba mawuhlawule umonakalo. Ngoko ke, wena ukusuka Iingxaki ezinjalo ukugcina, kuyimfuneko ukwazi iziseko inshorensi kwaye akwazi kuyo nayiphi na imeko ukukhusela amalungelo abo.

Institute of Ukuthatyathwa: ukutolikwa ingqiqo kunye nohlobo ngokusemthethweni

Igama elithi "Ukuthatyathwa" yokuqala ukuvela eRoma yamandulo kwaye livela kwisiLatini. amagama subrogare / subrogatio, gama elo elithetha "endaweni, nizalise." Ngokutsho imithombo yamandulo, kule meko ilungelo assignment (okt. E. Intengiselwano, nto leyo ithetha ukuba udluliselo iqela enye ukuya kwenye ilungelo lokufuna ukuba kwiqela ethile wesithathu ukwenza iimbopheleleko ezithile). Kamva, le mfundiso belibolekiwe iinkqubo Ukuthatyathwa yesizwe waseFransi, eNgilani, eJamani, i-United States kunye namanye amazwe. UBawo komthetho inshorensi kucingwa ukuba abe Mansfield eliNgesi, echaza ukuba Ukuthatyathwa - isixhobo eyenza kube nzima ukutyebiseka le inshorensi ngenxa iintlawulo kabini: okokuqala kwi ngeendleko-inshorensi, yaye emva koko - ngenxa umntu onoxanduva ebangela umonakalo kwipropati.

Kwi-US, eli lungelo kuye kwaqatshelwa ukususela kumaxesha bobukoloniyali kunye zazingathethi nto ngaphezu indawo imali kwinkampani ye-inshorensi ngezenzo nxamnye amaqela esithathu.

Xa Ukuthatyathwa Russian Federation kulawulwa kwiSiqendu 965 of the Code Civil and ISiqendu 281 KTM.

Ukuthatyathwa - it ...

Ukusebenzisa isigama zomthetho, nje kunzima ukuqonda kakuhle le meko. Oko kukuthi, kulula kakhulu ukuba uchaze ngemizekelo ethile.

Masithi overslept kwaye emva kwexesha emsebenzini. Kokuba aphume ebhedini, wena benxibe, wathi hlasi amaqhosha imoto ecaleni kwebhedi, batsiba endlwini. Olawula endleleni kusasa ilixa rush phakathi amakhulu ezinye izithuthi, ube nengozi. Ngethamsanqa, unayo i-inshorensi CASCO, yaye zonke iindleko ukulungiswa uye phezu kwinkampani ye-inshorensi. Noko ke, emva kokuhlalutya kwengozi, kwafunyaniswa ukuba na wena unguye ngumtyholwa, yaye umqhubi wemoto ebandakanyekileyo yesehlo. Ngaphandle, ngumtyholwa yokwenene le ngozi iye yeinshorensi yayo. Kulo mzekelo, inkampani yakho ye-inshorensi angafuna inkampani emele iimfuno umoni imbuyekezo ngayo ngokupheleleyo zonke iindleko.

Ngenxa yoko, Ukuthatyathwa - ilungelo apho inkampani yeinshorensi ingafuna umntu onoxanduva ngozi, le imbuyekezo ngeendleko ekungenwe imiqathango yesivumelwano ekugqitywe kunye client. Umthetho ephambili kukuba kamsinya nje inshorensi iye yalusingatha uxanduva lwakhe, into kuwe, ukuba unalo ilungelo osemthethweni kwaye kufanelekile ukuba yenziwe kwinkampani yeinshorensi iqela okanye umntu unetyala kulo sikhala zonke iilahleko.

Kufuneka wenze ntoni xa unoxanduva ngengozi?

Ukuba ukumqumbisa kwakho ingozi, kodwa, uya kuba noxanduva umonakalo komnye umntu ityala inxalenye nje kuphela umonakalo ngenxa imoto na ityala lakho. I insurer nexhoba mhlawumbi akuyi kuphoswa ithuba ukusebenzisa ilungelo Ukuthatyathwa kwakhona kuwe okanye inkampani yakho ye-inshorensi zonke iindleko ezenziweyo. Ukuba isithuthi sakho zange inshorensi, uyacetyiswa ukuba ufune uncedo igqwetha.

Yeyiphi kuthetha ilungelo Ukuthatyathwa?

Siye sazama ukuba baqonde ukuba Ukuthatyathwa enjalo. Ngo-inshorensi, kukho kwakhona into efana "ilungelo Ukuthatyathwa". Kuthetha ukuthini? Eli lungelo (Ukuthatyathwa ye-inshorensi) kuvela kuphela emva kokuba le nkampani wahlawula imbuyekezo inshorensi. Ukuza kuthi ga ngoku enjalo ilungelo asikwenzi. Ngaphezulu, kufuneka kuqatshelwe ukuba imali engaphezulu zesixa sentlawulo wenziwe, i-inshorensi akakwazi ibango. Sekunjalo kufuneka ukuba ukhumbule ukuba inkampani ye-inshorensi iya banelungelo lokufuna ukuba kuphela oko waba ixhoba (i polisi) ukuya kwinqanaba ebangela ngayo umonakalo. Ngamanye amazwi, sithabathela wear akhawunti iinyembezi propati. Umzekelo, ukuba ubudala imoto yiminyaka-10, kwaye ngexesha sokuphuculwa iinxalenye ezindala zatshintshwa ezintsha, ngoko ke ingozi ngumtyholwa Unokufaka ibango iindleko ngaphantsi kwe iindleko ezipheleleyo zokusilungisa, kodwa kuphela xa iindleko abaza kuzisebenzisa, owawa azisalungiseki yaye ukuba wayekiswa ngenxa yesehlo ingozi. Ngenxa yoko, i-inshorensi, kwakunye ixhoba linganyanzelisa hlawuleka kuphela ngenxa kukwehla impahla-inshorensi.

Ingaba yinto elungileyo ukuba athatyathelw namalungelo ukuphunyezwa Ukuthatyathwa?

Eneneni, ingqiqo ka "ilungelo Ukuthatyathwa 'kunye' ilungelo lokusebenzisa Ukuthatyathwa" kodwa twatse. Baya kwahluka enye kwenye kwakunye neentlobo ezahlukeneyo inshorensi.

Inyaniso yokuba inkqubo ukufezekisa ilungelo lokuba Ukuthatyathwa iqulathe izigaba ezibini eziphambili. Inxaxheba kwinqanaba lokuqala, amanyathelo inshorensi bathatyathwa, nto leyo ekugqibeleni kukhokelela ukuvela amalungelo akhe Ukuthatyathwa. Ukuze benze oku, inkampani ye-inshorensi efunekayo kuphela ukunika kule mvumelwano kwento ahambelanayo.

Kwisigaba sesibini kukho okufikelela okubonakalayo ilungelo Ukuthatyathwa, nto leyo eyenzeka kuphela emva kokuba kuhlawulwe imbuyekezo kumxhamli. De kube lelo xesha, eli lungelo bobabo le polisi. Ngoko kuyimfuneko ukuba ukwahlula ngokucacileyo phakathi ilungelo Ukuthatyathwa evela kokusayina-inshorensi kunye umxhamli kwesivumelwano, ilungelo Ukuthatyathwa ekuqondeni ukuba kukho kuphela emva kokuba kuhlawulwe Imali epheleleyo imbuyekezo yomonakalo.

ilungelo Ukuthatyathwa nezenzo kuchaswa

Ukongeza umthetho Russian ingqiqo Ukuthatyathwa, kukho enye efanayo phakathi kwentsingiselo isakhiwo ngokusemthethweni, eyaziwa ngokuba ilungelo iimfuno kuchaswa kubonelelwe kwiSiqendu 14 uMthetho CTP. Ukufana la magama mabini lumi ngolu hlobo lulandelayo:

• Okokuqala, Ukuthatyathwa - sinelungelo likwanomsebenzi wokufundisa, nezibabandakanya ekwambatheni nobutyala yoluntu kwi umntu ebangela umonakalo kwipropati. Kukwanjalo ke malunga abanaluncedo ye-inshorensi.
• ixhoba (i zeinshorensi), lowo wenze umonakalo kwaye iqela ukuze abuyekeze umonakalo (i-inshorensi) - weSibini Ukuthatyathwa, kwaba bafundi kubandakanya amaqela 3.

Noko ke, phakathi Ukuthatyathwa ukuqhubeka kwaba bafundi, kukho umahluko leyo kukuba elityala omtsha Ukuthatyathwa asivelanga, kwaye xa parameter nganye - phezu koko.

Ingaba kukho ummiselo yokwala Ukuthatyathwa?

Kakade ke, yena iminyaka emi-3, ukuqala ukusuka kanye ekuqaleni, xa yonakele. Ngenxa yokungazi umthetho, abantu abaninzi bafumana ngokwabo benze imeko yobuzaza ukubuyekeza umonakalo kabini. Ngokomzekelo, ngokukhawuleza emva kwengozi, wena bandiqumbisa, uyavumelana umntu owenzakeleyo ukuba abuyekeze umonakalo kuye kuloo ndawo. Ngelo xesha kufuna ekufunyanweni transfer yemali zange wena yenzekile. Kodwa ushlomu kubonakala ulixhoba loku kancinane. Yena uya kwinkampani ye-inshorensi, uthi nto malunga isivumelwano sakho, yaye ufumana intlawulo inshorensi. Ngokuqhelekileyo, ngoko, i-inshorensi leyo athatyathelw lifuna kuwe. Ukuba inkundla awukwazi ukuvelisa irisithi, inkundla ulawula obuxhasa kwinkampani ye-inshorensi.

Kodwa ngaso ngokufanelekileyo ngokusemthethweni kunye inshorensi ngokwabo. Ukwazi ukulinganiselwa, kodwa baye bazame ukukusa ngethemba ukuba akukho nofifi malunga nokusebenza seminyaka emithathu-yomthetho. Kwaye ngenene, ukuba awazi nto, inkundla, kokukhona uya kulahlekelwa.

Zeziphi iintlobo ze-inshorensi kunokuthiwa ubhekisela Ukuthatyathwa?

Ekuqaleni, kufuneka kugxininiswe ukuba ilungelo Ukuthatyathwa ibonakala kuphela ngokusekelwe kwesivumelwano -inshorensi propati. Kuba inshorensi yomntu (yobomi, ezempilo) oko akakulandeli.

Ngenxa yoko, kuphononongwe kumbandela Ukuthatyathwa, kufanele kuqatshelwe ezi ntlobo zilandelayo engundoqo inshorensi: inshorensi TPL motor enyanzelekileyo, inshorensi igobhogobho, DSAGO.

Yiba siphaphile! Wazi amalungelo akho kwaye musa ukuthandabuza kubakhusela ngaphezulu!