Inshorensi ekunyanzelekileyo ukuba yintoni amaxwebhu zifuneka? wokubhalisa we

Yintoni CTP, owaziwa ukuba umnini wesithuthi zonke, ngenxa yokuba, ubuncinane kanye ngonyaka, kufuneka uqhagamshelane kwinkampani ye-inshorensi ukuba ukubulawa kwayo. nkqubo MTPL kuthethelela umqhubi xa kuthe iindleko ezivela kwiimeko ezingentle endleleni, oko kukuthi, iingozi, ngoko ke kubalulekile ukuba ngokwalo njalo-inshorensi CTP. Ngawaphi amaxwebhu ezifunekayo kwaye kungakanani kuya kufuneka ukuba uhlawule - le mibuzo basoloko efanelekileyo. Zama ukuqonda.

Yintoni ekufuneka ukuyila umgaqo-nkqubo?

Abaqhubi abaninzi bacinga ukuba ubhaliso inshorensi MTPL kwanele nezokugqibela, kodwa ayikho. Kuba isiphelo kwesivumelwano phakathi inkampani ye-inshorensi ekhethwe kwaye zeinshorensi kuya kufuneka inani lwamaxwebhu.

Noko ke, abayi kuba kudala ukuqokelela ukuchitha ixesha elibalulekileyo, abaqhubi zisoloko njalo nani. Ngoko ke, ukuze ukungena CTP isivumelwano, kufuneka unikeze la maxwebhu okuqala alandelayo.

amaxwebhu Car

Oku ngesiqhelo mhlawumbi isatifiketi sobhaliso isithuthi - HFS (eyaziwa ngokuba yi "ikhadi elipinki"), okanye uxwebhu lobhaliso isithuthi - MTS (kubantu - "blue"). La maxwebhu abonisa iinkcukacha zobugcisa isithuthi, kwakunye data ezisisiseko umnini - igama, idilesi.

umazisi

Ngokuqhelekileyo iba yokundwendwela Russian - umnini wesithuthi. Xa kunjalo zeinshorensi kwaye umnini - umntu ezahlukeneyo, i-inshorensi nayo iyafuneka yokundwendwela.

isithuthi kuhlolwa ukudlulisa engenanto

izitishi ngoku uqhuba uhlolo lobugcisa bala isithuthi, umnini ikhadi edla umzi, leyo iqulathe iinkcukacha malunga imoto, umhla uhlolo zangoku nezizayo. Ukuze inshorensi CTP sesigqityiwe, kufuneka ube itshathi esemthethweni diagnostic. Kufuneka ube semthethweni iiyure ubuncinane esinye 24.

Abaqhubi abaninzi, efuna ukugcina imali yabo, nokudlulisela uhlolo kwaye uzame ukuba ixesha yakukha le uyohlolwa CTP ngoku, kodwa ukuba kukhutshwe entsha, okanye ukulibala, okanye awufuni. Khumbula ukuba xa kuthe ingozi, ukuba database akukho data kwi uhlolo lobugcisa bala isithuthi, inkampani yeinshorensi angala ukuba ahlawule.

ilayisensi yokuqhuba

Olu xwebhu kufuneka ukuba CTP ikhontrakthi yi uluhlu eliqingqiweyo abaqhubi. Kunye nezatifikethi eyimfuneko abaqhubi abaya wangena kwi-inshorensi. Kwityala kakhulu kunokwenzeka ukuba iikopi zazo. Kubalulekile ukwazi ukuba inani abaqhubi abo banelungelo ukuqhuba imoto, asikwazi ukudlula abantu abane. Kungenjalo, ungenza amalungiselelo inshorensi ngaphandle kwemiqathango. Xa kufuneka mvume inshorensi lokuqhuba mda ngayo.

Kwezinye iimeko, abameli kwinkampani ye-inshorensi ingafuna kwesibophelelo yentengiso okanye nawaphi na amanye amaxwebhu. Kodwa oku ngaphandle kunokuba umthetho.

Kuphela emva kokuba yonke into kufuneka ukuba zilungiselelwe, oko kukhutshwa inshorensi MTPL. Ngawaphi amaxwebhu ezifunekayo le, uyazi, ngoko iingxaki kuvela. Umbuzo olandelayo sizibuze wona ngowokuba xa umnini wesithuthi i "Indlela imali eninzi ukupheka?"

CTP iindleko

Mazangwa akanguye ibiza kancinane, kodwa umba nkqubo nangoku kuyimfuneko. Kulo mzekelo, ukufumana ukuqhuba kuba ikhuseleke. Emva koko, kungakhathaliseki ukuba umqhubi indlela yokuziphatha yakhe, apho kungekho amava lokuqhuba njani, iimeko ezahlukileyo. Nokuba omnye ngomzuzu, ngexesha apho umqhubi yena wakruthakrutheka kungakhokelela kwingozi. Ke ngoko zitshiphu noko likhuphe le nkqubo, kunokuba ahlawule ukuba kutywinwe iintanda imoto yonakele.

CTP ixabiso wamcacisela inani izinga isiseko liphindaphindwe ngenani okuza. Izinga isiseko likhulu bantu ngu 4118 engange, i 3432. Iinkampani asezantsi Insurance banelungelo lokuba babeke isiseko yabo, ngoko ke ixabiso le nkqubo inokuba nomahluko kancinane.

Ukongeza izizathu zithathelwa ingqalelo xa kubalwa iindleko ze-inshorensi iinkampani nazo kufuneka ukuba anikele umqhubi ukubona, okuyinto Ilungiselelwe kuye ngonyaka ngamnye ingozi-simahla mali ka-5%. Le data ziqulathwe uvimba owodwa kwaye komntu akuxhomekekanga ekuzithandeleni obonelela insurer. Ngoku makhe sithethe ngakumbi malunga okuza.

Le okuza zeerhafu inshorensi

Le okuza zilandelayo zeerhafu inshorensi.

1. Umda ukusetyenziswa pre-kwinjongp isithuthi.

Kumiselwa indawo ahlala kuyo TC yomnikazi. Onyuswe ngomthetho CTP, umz, eMoscow lomlingani ezilinganayo ezi-2, ka-Irkutsk 1.7, kodwa 0.6 kuphela Sebastopol.

2. Le yobudala kunye namava yomqhubi.

Ukuba umqhubi kweminyaka emi-22, kunye namava akhe ubuncinane iminyaka emithathu, okanye uhlobo oluthile le nto ngokwahlukileyo, izinga eliphezulu kusebenza 1.6-1.8.

3. Inani labantu wavuma ukuba uqhuba.

Ukuba ipolisi ye-inshorensi aluwufaki miqobo inani abaqhubi, oko kwandisa inani lisetyenziswa, ilingana no 1.8.

4. Car Power in HP

Okuya uba mkhulu umsantsa igunya, kokukhona 'ngumlingani. Umzekelo, 'ngumlingani isicelo umlinganiselo isiseko ukuba isithuthi kunye nomthamo 135 HP ngu 1.4. Ukuya ku 50 hp - 0.6.

5. Ixesha ukusetyenziswa.

Ngokomthetho umnini iqukumbela nkqubo MTPL kangangonyaka. Factor kulo mzekelo ilingana kumanyano. Kodwa ukuba uphethe inshorensi iinyanga ezintandathu, emva koko kufuneka ukuba uhlawule 70% yeendleko komgaqo-nkqubo kulo nyaka, oko kukuthi, umlinganiselo iya kuba 0.7.

Nantso zonke izinto zithathelwa ingqalelo xa kubalwa inani le nkqubo. Musa ukulibala ngesi sicelo okhoyo. Ukuba iyafumaneka kwi umniniyo, kodwa akuyi kuthathelwa ngqalelo, kuza kuba semthethweni kunye CTP inshorensi. Ngawaphi amaxwebhu ziyafuneka ukuqinisekisa isaphulelo? ilayisensi Kuphela ngumqhubi okanye ukuba le-inshorensi, ngaphandle kwesithintelo, umnini-yokundwendwela isithuthi.

Emva kokufunda eli nqaku, polisi ngamnye uya kufumana inkcazelo ebalulekileyo ngokuphathelele iindleko, imithetho esebenzayo kuyilo-nkqubo. Uyazi wena ukuba kuyimfuneko into - inshorensi CTP, yintoni ezifunekayo amaxwebhu, ngoku eyaziwa. A polisi ofanelekileyo, oyaziyo yonke, singaphelelwa zibe iingxaki xa usenza nkqubo. Kwaye ngaphandle, ibangela bahlonelwe-inshorensi, ngenxa yokuba kunye nabantu abanolwazi kusoloko kumnandi kakhulu ukumelana nawo.