Indlela ukubuyisela i MSC MTPL: inyathelo ngu step guide

Namhlanje phezu ezindleleni kwilizwe lethu ekhwela inani elikhulu izithuthi. Xa uthenga imoto umqhubi kufuneka ukhathazeke nje malunga nokuyilwa CTP. Emva kokuba uye kabini iindleko zeenkonzo-inshorensi, abaqhubi ngakumbi nangakumbi baqalisa ukucinga ngendlela yokonga malunga nemigaqo-inshorensi. Kukho iindlela ezininzi ezingundoqo, enye yazo na isaphulelo izinga inshorensi, ezibekwe ngurhulumente. Ngoko ke, abanikazi ezininzi imoto abanomdla umbuzo yendlela ukubuyisela egqithisileyo ka MTPL MSC.

izibalo lesiphoso le MSC xa kumbi ngokuhlaziyeka ipolisi ye-inshorensi

Abaqhubi abaninzi ekudluliseleni coverage senze into yokuba ixabiso layo eliphezulu kakhulu, kwaye isaphulelo phezu koko, ukuncipha okanye shwaka ngokupheleleyo. Eyona nto kukuba zonke iinkcukacha kwi-inshorensi ngo-2014 baye baqalisa ukuba kwenziwe iziko ledatha olunye, kunye nokuqaliswa apho ulwazi lingakhankanywa ngokungachanekanga. Ngenxa yoko, xa Sihlaziyeke inshorensi imoto inokuba ubalo ephosakeleyo ixabiso lokugqibela le nkqubo. Kulo mzekelo, unobangela kwenzeka ntoni asiyonjongo ukuqhatha yeinshorensi client yakhe, yaye into zabantu.

Nciphisa ubungakanani ngezaphulelo: yintoni na isizathu?

Ukuba ufuna ukugcina kwi-inshorensi imoto yakho, ucinga ukuba indlela yokufumana ayibuyise MSC kwi CTP, ngoko ufuna ukuqonda ukuba kutheni izinga isaphulelo kunganciphisa kuqala. Oku kwenzeka ngenxa yezizathu eziliqela, nto leyo eza kuxoxwa kamva.

Ukutshintsha uhlobo ipolisi ye-inshorensi

Njengoko ukusetyenziswa kwe-inshorensi zonke umqhubi oluhlala iingongoma ukuba emva zisetyenziswe izaphulelo. Noko ke, xa utshintsha iinkqubo inshorensi, ezifana utshintsho ukusuka kwinkqubo rhoqo kwi-nkqubo oko uphele, ezi ngongoma kungaba reset. Indlela ukubuyela MSC kwi CTP kule meko? Yinto enokwenzeka, kuphela ukuba umgaqo-nkqubo omtsha inshorensi ikhutshwa kwisithuthi efanayo umnini omnye. Kungenjalo, ezi ngongoma emfono atshile, kwaye nokuba yintoni isaphulelo ayinako ukubala.

Ukwamkelwa ukulawula izithuthi ezininzi

Ukuba umqhubi ngenxa yemisebenzi yakhe unelungelo lokuba ukulawula iimoto ngaxeshanye ezahlukeneyo, kwaye iboniswa-nkqubo inshorensi ezimbalwa,-inshorensi ayikwazi ithathelwe ingqalelo xa nangokuhlaziya iingongoma inshorensi. Indlela ukubuyisela imali CTP imigaqo MSC kule meko? Phantse nto. Eyona nto kukuba inkampani yeinshorensi xa kubalwa iindleko mgaqo-nkqubo uthatha ingqalelo inani iingongoma umqhubi, ngubani ukuba zimbalwa. Oku kumiselwe kwisivumelwano, ngoko ke overvaluation lomlingani ilungelo elisemthethweni ngokupheleleyo yaye igcinwe kwinkampani ye-inshorensi.

Yokudala ingozi yemoto okanye ukuguqula ngokwemigaqo ye-inshorensi

Inani lamanqaku kunye nezinga isaphulelo kuchatshazelwa yi kukho ingozi apho umqhubi wavuka. Ukuba lekhefu phakathi yengozi ngaphantsi kweenyanga ezili-12, zonke iingongoma ukugeleza atshe ngokupheleleyo. Ukuba umqhubi Uqhuba kakuhle kakhulu kwaye ungafumani kwiingozi zendlela, ixabiso-inshorensi ngaye yehliswa ngama-5 ekhulwini ngonyaka ngamnye.

Indlela ukubuyela MSC: izaphulelo ukubuyiselwa umyalelo

umqhubi ngamnye ezinomdla umbuzo indlela yokufumana ayibuyise MSC kwi CTP. Ngaphandle kokuba le nkqubo asinto ilula, yaye ngaka eninzi ukuze silungise maxwebhu, ke, ukuba unalo ithuba ngokutsha isaphulelo yabo inshorensi imoto. Isibakala sokuba oku kuya kufuna, kuya kuxoxwa ngakumbi.

Yintoni na isenzo MSC?

Kukho iindlela ezininzi zokuba kuvuselelwe njani amanqaku yabo ababeyiqwebile ukunciphisa iindleko inshorensi xa nangokuhlaziya lo mgaqo-nkqubo. Ukuze wenze oku kufuneka uyenze umbutho ngaphezu kwesinye ngexesha elifanayo uchitha ixesha elininzi. Noko ke, ngaphambi kokuba uthumele isicelo esemthethweni, iimeko ezimbini kufuneka kuhlangatyezwane:

• ukulungiselela iphakheji eziyimfuneko zamaxwebhu;
• bafumane iimpazamo ngumtyholwa.

Makhe sihlale iinkcukacha ezithe vetshe kwingongoma nganye kwaye iza kuphanda ukubuyela indlela izaphulelo MSC kwi CTP.

Ngawaphi amaxwebhu ekufuneka ukuba siyilungise phi na?

Ukuze ukubuyisela ilungelo layo esivakalayo isaphulelo xa nangokuhlaziya i-inshorensi kufuneka ulungiselele la maxwebhu alandelayo:

• ipaspoti;
• umthetho;
• yonke imigaqo-inshorensi, osebenzisa ngayo yonke iminyaka yamava lokuqhuba.

Kubalulekile ukuphawula ukuba kufuneka lokubhena ekubeni kubekho inani elikhulu yezimo, kokubini umntu nge-Internet, ngoko kucetyiswa ukuba kusekwe onke amaxwebhu kwi khompyutha yakho uze wenze iikopi. Indlela ukubuyela MSC kwi CTP, ukuba akusekho-nkqubo endala? Kulo mzekelo kuya kufuneka ukuba kuzo zonke inkampani ye-inshorensi, iinkonzo ozisebenzisayo, uthabathe ireferensi efanelekileyo.

imposiso yokukhangela

Akwenzeki ukuba aphendule umbuzo njani ukubuyela umahluko CTP KBM ngaphandle ebeka impazamo okwabangelwa kokutshiswa amanqaku elingathathwanga umqhubi. Ukuba mbono ngesizathu sokuba ukunciphisa ubungakanani izaphulelo, uyakwazi kakhulu ukukhawulezisa yonke inkqubo ze wonge imali ophucukileyo ixesha.

Ukuze ufumane unobangela kunye nexesha kokuvela isiphoso, kuya kufuneka ukuba enze uhlolo yonke imigaqo-nkqubo ngokuthi banikwe inkonzo ekhethekileyo online ukuba umhla kwekhontrakthi. Kuthatha ixesha elininzi ixesha, ngokuba imfuneko ukukhangela nyanga nganye, kodwa ngumlinganiselo kuyimfuneko, ngoko ngaphandle kwalo, nje ayikwazi ukukwenza.

Ukuba sele ukhe wabukela zonke imvumelwano inshorensi kwaye ilawulwe ukubalwa kweendleko-nkqubo, xa kuthe ingxaki kufuneka ajonge iimpazamo kwenye iimvumelwano yokugqibela. Ukuba uyazi ixesha ngqo xa isiphoso, ungaqalisa ukubuyisela isaphulelo ukuba yenziwe.

Indlela ukubuyisela KMB: Walkthrough

Ngoko Olulungisileyo onke amaxwebhu ayimfuneko kwaye wafumana imposiso ekhokelele ekuthotyweni rates inshorensi. Ndingenza ntoni elandelayo ukuze ukubuyisela MSC aze abuye CTP egqithisileyo? Oku kunokwenziwa ngeendlela eziliqela, efuna unyango enye okanye ezimbini amaziko karhulumente. Uyakwazi ukwenza oku kulandelayo:

1. Zama ukusombulula ingxaki ngqo ne-inshorensi yakho.
2. Faka isikhalazo kwi-Central Bank of the Russian Federation.
3. Usenokufaka isibheno kwi-Union of nabaKhuseli.
4. Sebenzisa nabanye kwemigangatho echatshazelwa kwi insurer.

Nganye yezi ndlela sisebenza kakuhle kakhulu kwaye kwiimeko ezininzi ingxaki yakho nge isaphulelo kwi-inshorensi iya ingasombululwa, noxa kunjalo, ukuqonda ukuba benze ntoni kwimeko nganye, makhe sithethe ngokweenkcukacha ngakumbi malunga ngamnye kubo.

Ethetha ngqo kwinkampani ye-inshorensi

Ukuba ucinga umbuzo njani ukubuyela i-CTP MSC e Rosgosstrakh, ingxelo kwi-Central Bank iya kuba yenye yeendlela ezininzi ezisebenzayo, ekubeni umzimba ndiwuhlutha mvume yeinshorensi, leyo ndoyika yonke into. Ngoko ke, inshorensi ngalinye Uloqonda zonke izikhalazo kunye nezibheno zabathengi kwaye azame ukusombulula kuzo ngokukhawuleza kangangoko kunokwenzeka, ukuze ngokusasaza.

Namhlanje kwi-web sayithi ezininzi iinkampani ze-inshorensi icandelo okhethekileyo ngokuya koko, umthengi nga ugcwalise ifomu, ukuchaza kakuhle ingxaki uze uqhoboshele iikopi zazo zonke amaxwebhu afunekayo. Ngakumbi susumetela inkampani yeinshorensi kubuyekezwa yesikhalazo sakho kunye neengxaki nasekusombululeni endleleni, ungathumela ngeposi ebhalisiweyo a isibheno ahlule iphakheji zamaxwebhu ayimfuneko.

A isikhalazo Central Bank

Indlela ukubuyela MSC CTP Rosgosstrakh ngokufaka isikhalazo Central Bank of the Russian Federation? Le ndlela yeyona kakhulu ukuza kuthi ga ngoku, ngenxa yokuba yibhanki eyongameleyo angenziwa kakhulu enxulumene naziphi na izikhalazo malunga iinkampani ze-inshorensi evela kubahlali. Ukuze ufake isikhalazo, kuya kufuneka wenze oku kulandelayo:

1. Yiya kwiwebhusayithi ye-Central Bank uye kwicandelo le "kwi CTP Information". Emazantsi ephepha ohambelana iqhosha, nqakraza kwi fomu online sobhaliso isikhalazo uya kuvulelwa.
2. Kule fomu kufuneka ukhethe i "ukusetyenziswa olungasebenziyo lwe MSC."
3. Uya baqondiswe kwiphepha ulwazi oluya kufuneka nqakraza "Hayi, yiya ufake isikhalazo", uzalise onke amasimi mabaqhoboshele kuthinjwe iikopi zazo amaxwebhu afunekayo.
4. Kwiphepha elilandelayo kufuneka ukhankanye iinkcukacha zakho kunye nenombolo yomnxeba yoqhagamshelwano.

Iimviwo lwezikhalazo agent Central Bank of the Russian Federation iintsuku zekhalenda 10 apho ingxaki yenu iza kuconjululwa ngokupheleleyo.

Ukuxhumana nabaKhuseli Union

Abaqhubi abaninzi abanayo nakancane yendlela ukubuyisela i MSC MTPL ngokusebenzisa PCA, kodwa kufakwa isikhalazo kulo mbutho akukho ngaphantsi isibheno Central Bank of the Russian Federation olusebenzayo. Nangona isibakala sokuba RSA akanalo ilungelo lokuba benze utshintsho ku registry inshorensi olunye, nangona kunjalo, ithuba ukuphembelela insurer kulo mbutho kakhulu kunene.

Ukuze wenze isikhalazo kufuneka wenze isibheno, apho kuyimfuneko ukuchaza ngokweenkcukacha yonke le meko kwaye ubonise isizathu isikhalazo sakho, uze ulithumele nge e-mail PCA, apho zifumaneka kwi website esemthethweni yombutho, iye kuqhotyoshelwe apha iikopi zazo maxwebhu.

Ezinye iindlela zokusombulula ingxaki

Ukuba uke wasebenzisa nganye kwezi ndlela ichazwe ngasentla, Noko ke, abazange unokuza nasiphi na isizathu naziphi na iziphumo, ngoko kufuneka wenze elilandelayo nendlela ukufumana MSC MTPL? Kulo mzekelo, kufuneka uqokelele zonke amaxwebhu asemthethweni kunye ukusasazwa yakho onke amalungu uye enkundleni. Nangona kunjalo, ukuthatha eli nyathelo kufuneka ibe kuphela xa ukuba uqiniseke ngokupheleleyo ukuba umthetho ngecala lakho. Endleleni, ungafaka isikhalazo Federal Antimonopoly Service, Service Federal kunye AWP.

Ukongeza, ungatshintsha nje kwinkampani ye-inshorensi. Ngenxa kukhuphiswano ephakamileyo, inshorensi ezininzi zifundisa olulodwa kubathengi ezitsha, nto leyo evumela abaqhubi kuyilo-nkqubo emva zonke iindawo zabo elahlekileyo.

Indlela ukubuyela egqithisileyo ngendlela engalunganga kubalwa izinga-inshorensi?

Maxa wambi kuyenzeka ukuba umqhubi xa kubhaliswayo okanye ukuvuselelwa le nkqubo sele icala izinga engalunganga, Lowo wayefudula ihlawulwe. Indlela nokubuyisela KBM MTPL elahlekileyo kulo mzekelo nokuba kunokwenzeka into ukubala?

Ukuba inkampani yeinshorensi sele efunde ityala ngokunxulumene umxhasi wakhe ngenxa ixabiso ngokungachanekanga KMB, oko ubuyiselwe. Ukuze wenze oku:

1. Ukubuyisela ubungakanani yokwenene izinga inshorensi.
2. Qokelela 2 amaxwebhu, enye inkampani ye-inshorensi, kunye yesibini - ngokwabo. I insurer kufuneka kunikezelwe unobumba yoqobo kunye impendulo isibheno sakho Central Bank, ireferensi yoqobo ukuya nokubuya kwemali ngokunjalo iinkcukacha zebhanki. Okwangoku kuza kufuneka ukuba agcine iikopi zala maxwebhu adweliswe ngentla eqinisekise.
3. Nokudlulisela amaxwebhu kwinkampani ye-inshorensi kwaye kuqinisekiswe ikopi oonobumba kunye neengxelo.

Emva kokugqiba onke la manyathelo, i-inshorensi nje uza kunyanzeleka ukuba babuyele kuwe ngokupheleleyo kuzo zonke overpayment ebalwa ngokungachanekanga i MSC.

amacebiso aluncedo namacebo

Ngoko ke, sibonile indlela ukubuyela MSC for CTP. Nangona kunjalo, naziphi na iingxaki ezinxulumene ne-inshorensi imoto mandatory, inokuphetshwa, njengoko oku kuya kukunceda kwezi ngcebiso aluncedo zilandelayo namacebiso.

Ukuba amalungiselelo inkqubo entsha-inshorensi, kodwa phambi kokuba utshintsho-mvume lokuqhuba, ngoko, ukuba amanqaku efunde hayi balahlekile, oko kuyimfuneko endle "amanqaku Special" abonisa isizathu sokuba ekutshintshweni esidala kunye inani lothotho inani xwebhu.

Ukuthintela iimpazamo ngakwicala labasebenzi kwiinkampani insurance, lo gama ngokuzalisa le nkqubo elandelayo emcela ukuba ngokobuqu wangena ulwazi kumaxwebhu, uze ngenyameko kwakhona funda-onke amasimi khangela ukufaneleka data efakiwe.

Ngo-2011 waqalisa ukusebenza umthetho othintela iinkampani ze-inshorensi ukuba ukukhanyela abathengi zabo waqokelela iibhola. Ngoko ke, ukuba baxelelwa ukuba akukho nto enokwenziwa kwaye isaphulelo ayikwazi mazibuyiselwe, uthumele nje isikhalazo sakho kwiqumrhu okanye igunya.

isiphelo

Kukho izixhobo ezinamandla eziliqela apho unako ukubuyisela isaphulelo yakho kwiinkonzo inshorensi lwemoto xa naziphi na iingxaki Bulelani ulwazi kweli nqaku ngoku isixhobo sakho. Musa ukoyika ukuba uqhagamshelane inshorensi okanye angenise izikhalazo kumaziko karhulumente afanelekileyo hayi, njengoko zinqongophele khona ukuze kukhuselwe amalungelo abemi. Musa ukusondela ku ukuphumeza le nkqubo ibe inkampani yeinshorensi yokuqala. Ngenxa yokuba namhlanje suschestvut ukhuphiswano omkhulu phakathi inshorensi, ngamnye kubo uyawalwela nabathengi ngokunikela iimeko kuFeliks.