Isohlwayo ngenxa CTP: ukubala njani?

Ukususela 2014 utshintsho kwenziwa mthetho. Iinkampani ze-inshorensi ezihlambela imiqathango iintlawulo imbuyekezo kufuneka ukuba ahlawule umonakalo ngokusemthethweni ukuba CTP. ubukhulu yayo ixhomekeke kubungakanani leentlawulo kunye nokubambezeleka ixesha. Iinkcukacha ezingaphezulu malunga nini nendlela yokusebenzisa eli tikiti ngosuku CTP, ufunde.

CTP

Ukususela kwintshayelelo CTP kuye kube nefuthe elihle imeko ezindleleni Russian kunye nophuhliso imarike ye-inshorensi. Nangona iintsilelo, CTP gqolo ukuphuhlisa. Nawuphi na umnini wesithuthi unyanzelekile ukuba inshorensi liability yayo. Xa uqhagamshelane inkampani ukuvelisa yokubala premium. Ixabiso le nkqubo ixhomekeke kwizinto ukulungiswa, iirhafu, kodwa lilawulwa kwinqanaba mthetho.

Umzekelo, ixabiso lomgaqo-nkqubo we-inshorensi evenini umthamo iilitha 120. a. ngonyaka ukuba inani mda labantu abadala ngaphezu kweminyaka engama- 22 nge amava lokuqhuba ukuya kwiminyaka emibini, uvumile kuwo Berdyansvke kunye eMoscow iya kuba ulawulo ezahlukeneyo.

umthetho

Ngokutsho isigama zomthetho, phantsi isigwebo ubhekisela mali yeyiphi sivuma ukuba ahlawule omnye umcimbi, ukuba wadibana nemiqathango yesivumelwano.

MTPL Isohlwayo linokusetyenziswa iinkampani ze-inshorensi, okwenza ukuba kokulibazisa ngokuthi ngumqhubi kwi kusingathwa amabango okanye xa kuqwalaselwa izicelo nezinye iingenelo.

№ UMthetho Federal 40 "Kwi esisiNyanzelo" wayenza yacaca amalungelo neemfanelo ze-UK, uxanduva yayo kwimeko non-inzaliseko neembopheleleko. Ngokukodwa, umthetho ubonelela ngentlawulo olusisinyanzelo izohlwayo kwimeko:

• uphazamiseko ixesha iintlawulo okanye ukuthunyelwa emva kwexesha ukuze balungise isithuthi (kuxwebhu zibonisa ixesha ekwenzeni imisebenzi) ekufutshane ye-inshorensi;
• ukusilela ukubuyela ixesha yentlawulo, ukuba imeko enjalo nelimiselwe isivumelwano.

Yonke le miba zixoxwe ngokucacileyo:

1. Civil Code.
2. UMthetho №4015-I «Malunga iinkampani ze-inshorensi."
3. Federal Law №40 «Malunga CTP."

Indlela ukubala isohlwayo ngenxa CTP?

Ukuba inkampani yeinshorensi luwugqithile imiqathango yentlawulo, kufuneka uhlawule isohlwayo - 1% ye-mali. Calculation isohlwayo for CTP yi le ndlela ilandelayo:

H = L x (1: 75) C x 100, apho:

H - CMTPL isohlwayo;

• D - Inani leentsuku kokulibazisa;
• C - umlinganiselo mboleko;
• B - ixabiso lembuyekezo phantsi isivumelwano.

Ngolosuku lokufumana intlawulo yobhaliso kwakhona zithathelwe ingqalelo xa izibalo. Bokuqonda kungenzeka xa isithuthi ilungiswe. Uxanduva umgangatho kunye nexesha umsebenzi ilele kwi insurer.

Ukuba inkampani na imbuyekezo, le ndlela yokubala iza kusekelwa inani ematyaleni. Ukuba intlawulo engaphelelanga kodwa yenziwa, ngoko isohlwayo iya kubala ngokusekelwe ityala eliseleyo. Kwimeko kunikezelo kwicala le mali iya kuxhomekeka ixesha irisithi yayo.

imida

Umthetho ubonelela imida intlawulo. Ukuba umonakalo obangelwe:

• impahla kuphela - 400 lamawaka; p..
• ubomi kunye nempilo - 500 amawaka p ..

Enye umda ukuba isixa isohlwayo mayingabi ngaphezulu isixa inshorensi phantsi isivumelwano. INtetho isohlwayo bokuhamba lisetyenziswa kwinkampani njengenxalenye yeenkqubo pre-kwetyala. Iqulethe iinkcukacha okutshintshela mali.

izibonelo

Insurance abangakhathalelwanga ngokwemiqathango tyala yaye overstayed intlawulo iintsuku ezingama-20. Isixa imali 120 lamawaka. Ngenye imini singaphezu th 120 x 0.01 = 1.2. P. Kuba intlawulo umthengi kufuneka uqhagamshelane ingxelo efanelekileyo.

Emva kokuba ngozi umonakalo imoto kwi-mali ka-150 lamawaka. P. Isicelo esipheleleyo yo hlawuleka sele ingeniswe inkampani nge-1 Septemba. Ukususela ngoSeptemba 30, intlawulo ayifumanekanga. ixesha lilonke singaphezu iintsuku ezili-10. Kuba ngosuku ngalunye ukulibaziseka kule nkampani kufuneka ahlawule 1.5 amawaka. P.

ngokoMthetho

Kwiintsuku ezingama-20 emva kokufumana i iseti epheleleyo yamaxwebhu afunekayo ukuze ahlawule imbuyekezo-inshorensi, ukunika umkhombandlela ukulungiswa okanye ukunika ukwala waqiqa. Ukuba ibhaqe ukungabikho izibambiso, i-inshorensi iya kwazisa ngumthengi kwaye zinika uluhlu epheleleyo yamaxwebhu ezingekhoyo. Ukuba iphepha na iinkcukacha ezichanekileyo okanye amaxwebhu ngokubanzi khange anikezelwe, lo mbutho unakho na ukuba ahlawule isohlwayo okanye enye imbuyekezo.

Imigaqo intlawulo yesohlwayo iya kuchaziwe kwisivumelwano. Nangona ngokuqhelekileyo oku iinkampani ngongoma ngoyaba. Ngoko ke, ekupheleni kwenyanga elandelayo isigqibo kufuneka ufake ibango kwinkampani kwiinkundla. Kwiimeko ezinjalo zisingathwa ngokukhawuleza. Kwiintsuku ezili-10 emva kokuba kufuneka ihlawulwe umonakalo uyathinjwa kwaye imbuyekezo isigqibo.

kileyo

Ukuba ityala liye enkundleni, kuyimfuneko ukwenza iingxelo ezimbini zebango. Lokuqala - ukuhlawula imbuyekezo, kwaye eyesibini - ukuba umxhasi uxhomekeke isohlwayo of CTP. Zombini ezi ngxelo kufuneka iqwalaselwe kwiingxoxo enye. Kule ngxelo, kufuneka ukhankanye:

• ukuchongwa ikhowudi igunya yenkundla apho isicelo senziwe;
• zonke iinkcukacha ummangalelwa;
• Yonke imibuzo enxulumene kwengozi;
• iziphumo zoviwo;
• isixa semva kwiintlawulo yembuyekezo kunye nezohlwayo.

INkundla kaninzi yenza isigqibo esifanelekileyo.

Isohlwayo CTP: bokuqonda

Ixhoba banokufaka ibango lembuyekezo ukulungisa imoto yakhe. Ukhetha indlela nowokunceda: ngemali okanye ifomu yerhafu yokulungisa. Ukuba yengozi ityala macala omabini, imbuyekezo ihlawulwa kwi-mali efanayo.

Le nkqubo ngokwayo isaziso ngengozi-inshorensi itshintshile. Ukuba ingozi ababandakanyekayo iimoto ezimbini, abanini abo abe CTP, yaye kwakungekho ukwenzakala, omnye wabo uya kwinkampani yakhe. Kwezinye iimeko, kufuneka isicelo kwinkampani ngumtyholwa.

Inkqubo kugqitywe ingozi ngu evroprotokol nayo ukufumene utshintsho. iqela ngalinye liya kwazisa inkampani zabo zingaphelanga iintsuku ezi-5 zomsebenzi. Kungenjalo, umsunguli kuya kufuneka ukuba ukubuyekeza umonakalo ngeendleko zakhe. Ukuba kukho ividiyo okanye ifoto oko kwenzekayo ingozi, zesixa sentlawulo kwemali kummandla iLeningrad iya kuba 400 amawaka. Hlikihla.

Ixhoba kufuneka ubonise inkampani imoto yabo zingaphelanga iintsuku ezi-5 emva kwengozi. Ngesicelo-inshorensi, ukuba ityala umntu wesithathu. Kufuneka kwakhona ukunika isithuthi ukuze zihlolwe kwiintsuku ezili-10 ukususela kumhla wokufunyanwa kwesicelo. Umntu unetyala akavumelekanga ukuba alahle yemoto okanye ukulungiswa kwiintsuku ezili-15 zokusebenza, kungenjalo isohlwayo inshorensi kwintlawulo CTP yaye akukho mbuyekezo iya kuhlawulwa.

I insurer ingafuna intlawulo yembuyekezo kunye nezohlwayo ngendlela zavalelwa. Ukuba amaqela abavumi, nokufunyanwa umonakalo CTP kunye imbuyekezo iya kwenziwa ngalo enkundleni. Inshorensi Kunyanzelekile ukuba zonke iintlawulo ngendlela zavalelwa. Kodwa enyanisweni, ezi zixa ngaphantsi kwezo ngabathengi wethemba umthetho. Ngoko ke, uninzi kula matyala kusonjululwa ziinkundla.

Okunye lweMelika

Isohlwayo - lo esinye isohlwayo, nobhaliweyo insurer xa kuthe iphula ngokubhekiselele kwintlawulo yembuyekezo. ubukhulu yayo ixhomekeke kubungakanani izityholo. Kwimeko zokugxojwa ngokubhekiselele kwintlawulo yembuyekezo le nkampani kufuneka sibuyekeze-1% ye-mali iseleyo ukubambezeleka ngosuku. Ukuba le nkampani ukuba waphula imiqathango kwicala ukulungiswa, lisisiqalo kuya 0.5% etyala elo. Nayo nayiphi na enye indlela yokubala izavenge mayingagqithi ipremiyamu contract aqinisekisiwe.

Ukuba sembuyekezo kubaxumi kuya kufuneka banyamezele ibango, isigqibo senkundla kwi isohlwayo CTP iza zincediswe isigqibo sentlawulo enyanzelekileyo fayini. Lelona imbuyekezo inkulu ayimali kulibaziseka. ukudluliselwa kade kweemali umntana kucingwa ukuba ukuhlukumeza ezimbi kakhulu ezi zibophelelo ze-inshorensi.

Inqaku le-16 lomThetho Federal "Kwi esisiNyanzelo" ezinikiweyo ziya kubuyiswa ngakwicala umntu wemvelo isohlwayo ngenxa yokophula kwintlawulo yembuyekezo. Ukuba isicelo woMbutho eso sesiKhuseli wamaLungelo Consumer, ijonga imali yesohlwayo isiqingatha. Ubungakanani isohlwayo yi-50% yemali ye yembuyekezo kwimeko leyo. Ngaphandle kuthathelwa ingqalelo mali ezazihlawulwe ngokuzithandela kwisithuba 20 iintsuku, izohlwayo, kunye nezinye imbuyekezo.

omnye umzekelo

Imali iyonke kwintlawulo yinkundla yi-50 amawaka. P. Kwixesha amaqashiso ngokomthetho mini-20 inkampani kubuyekezwa kuphela 10 amawaka. P. iminqweno iqela wonzakala ityala OZPP.

= Isixa zesohlwayo (50 - 10) x 0.5 = 20 amawaka r .. Kwezi, iqhubeka-10 000 ezenzakeleyo, kwaye abaninzi nangaphezulu - OZPP.

iimpawu

Imali iyonke izohlwayo malingaze libe ngaphezulu zesixa sentlawulo ukuba uhlobo olufanelekileyo inshorensi umonakalo.

Ukuba inkampani wenza umthetho ngaphezu kwesinye, isohlwayo ingacelwa ngamnye kubo.

Ukunciphisa iintlawulo Inkundla kuphela ngokusekelwe iingxelo yommangalelwa kwaye kuphela ukuba izohlwayo ubalwe sasibaxiwe ngemiphumo zokuphula.

Zonke izohlwayo ziyasetyenziswa ukubuyisa imbuyekezo evela PCA.

Ukwenziwa inkundla ithi imbuyekezo ayikhululeli inkampani kwintlawulo isohlwayo.

Siphantsi isixa sentlawulo

Phantse njalo angayithatheli ngqalelo inkundla ebalwa kwisixa isohlwayo. Le Okungumahluko xa ummangalelwa wasilela ukuvela kwi zetyala enkundleni, nomgwebo olungagqibekanga. Ukuba kukho imali encinci sembuyekezo, singaphezu elincinane, kukho ithuba lokuba imali ukuhla ngeke.

Ukulungiselela kwecala kwakusafuneka. Umzekelo, ukwenza iziphakamiso ezibhaliweyo apho ukubonakalisa:

• ukungaboni yayo kunye nesicelo ukunciphisa imbuyiselo ngenxa yokungabikho kwamabala;
• udwelise zonke izimo ezidingekayo ukuze zokunciphisa neemali ngokwahlukeneyo abonisa izinto ezingakhange ziphunyeziwe.

iingcaciso ezibhaliweyo Umzekelo imfuneko qhoboshela ifayile yetyala. Xa inkundla iya kumnika phantsi ukuphendula, oko kuyimfuneko ngokufutshane ngezwi indawo yayo, ugxininisa iingongoma ezibalulekileyo.