Indlela ukubuyisela isaphulelo CTP: inyathelo ngu step guide

Ngelo xesha langoku phezu ezindleleni kwilizwe lethu kukho inani elikhulu iingozi ezibandakanya izithuthi. Ukuze akhusele ngandlel bona xa ngozi, umqhubi kuyimfuneko ukuba akhuphe nepolisi ye-inshorensi.

ngaphezulu ngonyaka ngamnye kunye abaqhubi beemoto ngakumbi esazibuza ukubuyisela indlela isaphulelo kwi CTP. Oku kungenxa yokuba ukwandiswa kweli moto liability iindleko ipolisi ye-inshorensi ibalwa ngaphandle kokuthathela izaphulelo ingqalelo. Yinto imeko entle embi, ingakumbi xa lomqhubi amava eqhubekayo enkulu inkathazo-free kunye nobungakanani isaphulelo ukuya ku-50 ekhulwini.

. Ukutshiswa iibhonasi emfono ukuze ke kubonakale into enokumenza aphelelwe lithemba,, kukho iindlela ezininzi, owosindiswa ngawo wena unako ukubuyisela i MSC (ukungavumelani kwe bonus-malus). Kule nezinye izinto ezininzi ukuxelela kweli nqaku.

Kutheni MSC ukuze ibalwe ngokungachanekanga?

Ngaphambi kokuba sithethe ngayo ukubuyisela indlela isaphulelo kwi CTP (Rosgosstrakh sipho ukuba abathengi), kufuneka kuqala siqonde izizathu eziphambili ngenxa izinga inshorensi ukuba kubalwe kuzo ngokungachanekanga. Oku kuya lula kakhulu inkqubo lokubuyisela kwaye isaphulelo uya konga ixesha elininzi.

Lonke ulwazi malunga ngamava yangaphambili yeinshorensi kunye nomzi-igcinwe kwiziko ledatha elidityanisiweyo ngekhompyutha Ais, umhlaba ophantsi kolawulo SAR. Xa wenza utshintsho iimpazamo ezahlukeneyo ezinokuthi zisetyenziswe kwiziko ledatha nokuhlaziya i data umqhubi ethile eya kubangela isaphulelo yanikelwa ibalwa inshorensi imoto.

Ukongeza, kukho ezinye izizathu ezininzi ukunciphisa MSC, phakathi apho ixhaphake kakhulu zezi:

1. mvume lokuqhuba elitsha zokuqhuba okanye data malunga ngamnye.
2. I-inshorensi asifikeleli ulwazi malunga nomqhubi kwi-SAR.
3. Iimpazamo wenza xa egcwalisa ifomu umgaqo-arhente ye-inshorensi.
4. Ukutshintsha inkqubo inshorensi.
5. Kokuphazamisa amava inkathazo-free.
6. Imvume ukulawula abaqhubi eziliqela imoto.

Enoba yintoni unobangela ukutshiswa amanqaku-inshorensi, yonke umqhubi uyakwazi ukubuyela egqithisileyo ka-CTP kwaye ubuyisele isithembiso enye ngeendlela ezininzi, nto leyo eza kuxoxwa kancinane ngakumbi, kodwa ngoku kufuneka iqwalasele zonke izizathu ngokweenkcukacha.

iphepha-mvume okanye iinkcukacha Replacement yomqhubi

Enye imibuzo ebuzwa rhoqo abaqhubi amaninzi: "Indlela ukubuyisela isaphulelo MTPL emva kokutshintsha komthetho," kwaye loo nto ayimangalisi, kuba zonke umqhubi ubuncinane kanye ebomini batshintsha mvume lokuqhuba yakhe. uxwebhu nganye unikwe inombolo eyodwa, apho kufuneka wenze ledatha eyodwa elektroniki. Ukuba akwenzeki oku, ngoko ke imbali inshorensi isetelwe zero, yaye akukho isaphulelo xa usenza nkqubo ungabaleki. Kukwasebenza kwanjalo kuyo ukutshintshwa kwegama.

I-inshorensi ukuba anganikelwa esandleni PCA ulwazi client oluyimfuneko

Abasebenzi iinkampani ze-inshorensi - abantu abafana nam nawe, ukuze ngenxa yokungakhathali kwabo, ukungakhathali, okanye ezinye izinto umntu akakwazi nokudlulisela idatha Ais le-inshorensi. Imeko enjalo ezinokuvela xa lomqhubi kwinkampani ye-inshorensi. Ukuze ufumane inkcazelo engakumbi ukubuyisela indlela isaphulelo kwi-CTP (Rosgosstrakh inikeza nabathengi ithuba), kuya kuboniswana kamva.

Ngokungachanekanga zigqityiwe inshorensi

Nditsho mpazamo incinane wenza xa egcwalisa ifomu isivumelwano inshorensi, kungakhokelela ekubeni ukubuya MSC ukuba ixabiso lesiseko. Oku kungenxa yokuba ukuba iinkcukacha mthethweni zifakiwe kwi-nkqubo, ngoko ke baya kuwa yaye Ais, ebangela umqhubi ukuba waqonda njengomntu eyahlukileyo ngokupheleleyo.

Ukwamkelwa ukusebenza kwesithuthi ngabantu eziliqela

Le meko kakhulu kwezothutho yequmrhu, esetyenziswa ngabasebenzi eziliqela yenkampani. Kulo mzekelo, i-CTP nkqubo yoyilo ziya kuqwalaselwa nenkalo MSC lincinci.

Ukutshintsha inkqubo inshorensi okanye ukuphazanyiswa ngexesha lembandezelo-free

Ukuba umqhubi unyaka omnye opheleleyo abazange bayifumane kwiingozi zendlela, wabayala iingongoma-inshorensi, ngokubonelela isaphulelo xa nangokuhlaziya lo mgaqo-nkqubo. Ukuba udweliso lwenkqubo inshorensi litshintshiwe okanye umqhubi angakhe ahlale emva ivili le moto ngaphezu konyaka omnye, zonke iibhola waqokelela aqhumisele kwaye MSC kuyinto reset. Indlela ukubuyisela ngezaphulelo inshorensi CTP kule meko? Ngelishwa, akukho.

Nokuba ukubuyisela inqaku-inshorensi?

Imali isaphulelo kuxhomekeke kwizinto ezininzi, phakathi oko kukuthi yonakele ezona ziphambili ngexesha ukuqhuba kunye nenani yeengozi ezibandakanya umqhubi. Ukuba umnini imoto uyalinandipha rhoqo ingozi, ngoko xa usenza ipolisi ye-inshorensi ukuba ibalwe ratio 2,45. Oku kulandela oku ukuze uhlawulele inshorensi imoto yakhe yena, uya kuba ukususela liphantse amaxesha 2.5 ngaphezu komndilili umqhubi.

Ukuba umqhubi bagcine nemithetho yezantya kunye imithetho yendlela, aze angavuki kwingozi yemoto, ngoko ekuhambeni kwexesha oko kukholisa ukwenzeka inshorensi iingongoma eziya kufumana phantse isaphulelo-50 ekhulwini kwi-inshorensi.

Ngoko ke, umbuzo ukubuyisela indlela isaphulelo kwi CTP e Rosgosstrakh iyasebenza kakhulu namhlanje, ekubeni MSC unako ukusindisa ngokubonakalayo kwi avtograzhdanki. Ukongeza, ukuba inshorensi lizama umlinganiselo kwimigaqo-nkqubo ezidlulileyo, ngoko amanqaku ekuphulukenwe umqhubi uya kufumana imbuyekezo.

Iindlela eziphambili KBM wobuyiselo

Ngoko ke, wena uze kwinkampani ye-inshorensi ukuba ukwandiswa komgaqo-nkqubo bafumanisa ukuba wenyuka. Kufuneka wenze ntoni kulo mzekelo, nendlela ukubuyisela isaphulelo CTP? ECC inika uncedo abaxhasi balo, ezinye iinkampani ze-inshorensi - ngokunjalo. Into yokuqala ukwenza uzolile phantsi, kuba akukho nto iphosakeleyo ngaloo nto.

Buyisela i isaphulelo yangaphambili enokwen-:

• isicelo kwi-IC;
• Treatment kunye CBR;
• ngokuzoba izikhalazo PCA.

Nganye kwezi ndlela iye bokuqonda ezithile, ngoko ke kuyimfuneko ukuba ukucacisa kumntu ngamnye kubo.

Ekusombululeni ingxaki yi-inshorensi

Abaqhubi abaninzi banomdla lo mbuzo: "Indlela Buyisa isaphulelo CTP ilandelayo utshintsho enomthetho kuphela?" Indlela elula kwaye fastest ziya isibheno kwi-inshorensi yakho. imithetho ekhoyo ufuna iinkampani ze-inshorensi yokujongana nayo yonke izikhalazo kunye izibheno iinkonzo ezinxulumene ne-CTP.

Kulo mba, kwi-web sayithi ezininzi UK Ude icandelo okhethekileyo apho ungafaka isikhalazo kwi-intanethi. Ukuze ifomu kufuneka uqhoboshele iikopi zazo-nkqubo yangaphambili okanye isiqinisekiso, ibhenca ukungabikho inshorensi ubanga umxhasi ekhutshwe yi-inshorensi. Ukuba akukho ukufikelela kwi-intanethi, ungakwazi ukubhala ingxelo ebhaliweyo kwaye uyithumele ngeposi eqinisekisiweyo kwidilesi yendawo ye nkampani. Isicelo kumele singeniswe zinedyuplikhethi kwaye ziqhotyoshelwe noko iikopi maxwebhu akhankanywe apha ngentla.

Unobhala kufuneka ubhalise isibheno kwirejista ekhethekileyo, aze omnye kweengxelo babeka phantsi inombolo yobhaliso kunye itywina, ize emva koko ithunyelwe kwi ngumthengi. Ngokutsho komthetho Russian, inkampani ye-inshorensi iye iintsuku ezili-10, apho kufuneka amisele ingxaki MSC yokutsha nokusombulula le ngxaki. Indlela ukubuyisela isaphulelo kwi-CTP, ukuba unyaka sele idlule, ubabuza? Ngelishwa, le etyaleni akalulandeli ukunika kwakhona MSC.

Kuthekani ukuba inkampani ye-inshorensi sisusiwe?

Ukuba i-inshorensi yenziwe kubani ipolisi ye-inshorensi, akusekho esebenza kuyo, kunokwenzeka ukuba ukubuyisela MSC nge CBR okanye i-SAR. Ngomhla umyalelo unyango kunye nokungenisa amaxwebhu enkundleni, uya kufunda kuyo.

Ukusebenzisa i Central Bank

Indlela ukubuyisela isaphulelo CTP ngokusebenzisa Central Bank of the Russian Federation? elula kakhulu, kodwa kuyimfuneko ukuba bathathele ingqalelo into yokuba inkundla ingqalelo kuphela izikhalazo ngabemi wafaka for CTP begqibe isenzo sabo ngaphezu konyaka omnye eyadlulayo.

Ukubuyisela i MSC kufuneka uye yokwamkela online ye-Central Bank ze ugcwalise ifomu online yonke ingcaciso eyimfuneko uze ucacise njengesizathu "ubalo elingafanelekanga MSC." Ukuba nakho kuya kufuneka uqhoboshele iikopi zazo-nkqubo wangaphambili okanye isiqinisekiso esingqina ukungabikho kweentlawulo inshorensi. Le ndlela Kulula kakhulu ngenxa yokuba umqhubi uya kwaziswa malunga nemeko isicelo sakhe ngenxa email. Central Bank izigqibo ixesha singathatha ukuya kwiintsuku ezingama-30, apho abameli abasemagunyeni khangela ukubaluleka ingcaciso enikwe ngumqhubi, ukumisela unobangela ingxaki aze enze isigqibo sokugqibela.

Ngoku uyazi ukuba ukubuyisela indlela isaphulelo kwi CTP. Alfa Insurance kunye Central Bank of the Russian Federation ukunceda ukusombulula ingxaki enye kwaye lo mgaqo mnye. Ukuba ngesiquphe, ngenxa yaso nasiphi na isizathu, isibheno enkundleni akazange azise nayiphi na iziphumo, kufuneka isikhalazo kwi-SAR, nto leyo sesona sixhobo sinamandla kakhulu ekucombululeni le ngxaki.

Ukuqhagamshelana PCA

RSA ngomnye wemibutho anempembelelo kwihlabathi-inshorensi imoto. Alinako kuphela ukuba kukho uxinzelelo olukhulu kwi-UK, kodwa ukuzihlutha kwelayisenisi, kuba esoyika-inshorensi nganye. Ngoko ke, xa ebhekisa kwigama nje kule meko nawuphi inshorensi iya kufuna ngandlela zonke ukusombulula ingxaki lesigulane eso. Kufuneka kuqatshelwe ukuba PCA unelungelo ukwenza naluphi na utshintsho kwiziko ledatha single ngekhompyutha, njengoko oku luxanduva iinkampani ze-inshorensi.

Ngoko ke, indlela ukubuyisela ngezaphulelo MTPL kwi-SAR? Kwi-Intanethi esemthethweni inkundla yanika imiyalelo eneenkcukacha malunga nokubuyisela ukuze izaphulelo isixhobo liability nepolisi ye-inshorensi. Apho ungafumana ifomu yesicelo kunye nabafowunelwa iingcebiso.

Ukubuyisa le MSC ngokusebenzisa umthengisi-inshorensi

Le ndlela kwakhona amanqaku inshorensi akuyona indlela engcono, kodwa ayikwazi ungalawulwa ngokupheleleyo. Abaqhubi bakhetha ukuba ezi nkampani kuba ukuhlawulisa umrhumo kubonelelo ngeenkonzo zazo. Noko ke, basebenza ngokukhawuleza kakhulu kwaye uza kukwazi ukukunceda ukubuyisa isaphulelo CTP ngosuku 1. Ngaphandle iya kuba kuphela ukuba ngaba sele ngaphambili wangena kwingozi yemoto, leyo ube bazibeke ityala.

Isibheno okanye abarhwebi inshorensi iya kugwetyelwa ukuba akukho xesha ukuzibandakanya self recovery KBM avtograzhdanki, neengongoma ezingasetyenziswanga zinika isaphulelo enkulu ngokwenene. Kungenjalo, uya kuhlawula iinkonzo zenkampani zibe ngaphezulu kakhulu kunokuba wonge imali kwi-inshorensi.

Ukubuyisa le MSC nge kwi Internet

Namhlanje, nge-Internet ukusombulula iindidi imibuzo, ngoko ke abaqhubi beemoto abaninzi banomdla umbuzo ka ukubuyisela indlela isaphulelo CTP, ngaphandle kokushiya ikhaya lakho.

I-World Wide Web, unako ukufumana ngeenkonzo ezahlukeneyo online, phakathi kwawo kukho bobabini ihlawulwe kwaye simahla, likuvumela ukuba ngokukhawuleza nangokulula ukubuyisela MSC. Konke ekufuneka - ukuba ugcwalise ifomu eyodwa kwaye hlomela iikopi zazo amaxwebhu afunekayo. Noko ke, ingqalelo kakhulu ukhetho, kuba kwiminyaka yakutshanje kuye umtshato oluninzi cybercriminals.

Ngawaphi amaxwebhu ezifunekayo ukubuyisela MSC?

Ukuze ukubuyisela isaphulelo zabo kwi-inshorensi, kakuhle nelilifaneleyo kwiminyaka emininzi lokuqhuba ingozi-free, kufuneka angenise amaxwebhu athile. Eyona ibalulekileyo kwezi nkqubo inshorensi kunyaka ophelileyo. Ukuba ngenxa yesizathu esithile angakufumani, bandula ke imfuneko ukubhekisela-inshorensi aze amyalele ukuba angenise isiqinisekiso ezingqina ukungabikho amabango inshorensi.

Kwezinye iimeko, i-inshorensi inokuba ikucele ukuba isiqinisekiso amapolisa ezendlela ukungabikho ulwaphulo-mthetho, ke ngoko, kufuneka balamkele kwangaphambili kwinkqubo recovery kwenzeka ngokukhawuleza kangangoko kunokwenzeka. Noko ke, kukho caveat elinye elincinane. Eyona nto kukuba traffic akufuneki ukuba ukunika uncedo olunjalo, ngoko konke kuxhomekeke nokunyanzeliswa komthetho ukunyaniseka.

Musa ukuba kuhambe ukwenza skrini le website PCA, kwakunye neekopi yokundwendwela lobugcisa bala isithuthi, iphepha-mvume lokuqhuba kunye nesiqinisekiso ezidlulayo lokuhlolwa. Iikopi zala maxwebhu likhawuleze kakhulu phezulu kwaye lula inkqubo ingqalelo kwesicelo.

isiphelo

Ngoko ke, ngoku uyazi ukuba ukubuyisela indlela isaphulelo kwi CTP. Kweli nqaku, zonke iindlela iingxaki zokusombulula kwaxoxwa nge-inshorensi imoto ezikhoyo namhlanje. Njengoko practice ibonisa, kwiimeko ezininzi iphela kwisibheno kwinkampani ye-inshorensi. Ngapha koko, nangona inshorensi ukuba madolw 'anzima ukwamkela izicelo ezivela kubathengi bayo, Noko ke, uhlawule isohlwayo enkulu okanye balahlekelwe mvume abo akukho bani ofuna. Noko ke, ukuba ngequbuliso, ngenxa yaso nasiphi na isizathu, i-UK ayibanga nakho ukusombulula ingxaki yokubala ngokungachanekanga umlinganiselo, ungasoloko isibheno kwabasemagunyeni eziphezulu.