Komthetho Insurance: civil liability insurance yengqiqo lwabantu abathatha inxaxheba kumsebenzi oqeqeshelweyo

Ukuhlalutya ezi ngxaki zangoku nomthetho commercial kwi langoku sigaba, ziphawuleka ukuba umthetho zoqoqosho zale mihla luphawulwa kuneengxaki ezifana eqhekekileyo, uqhekeko, ukuguquguquka, ubukho kwezikhewu zomthetho.

umthetho Federal kwi-inshorensi njengelungu izinto zomthetho apho le ngxelo kuyinyaniso, ngokuba imithetho yezoqoqosho xa iyonke, ze-inshorensi kumthetho ethile.

Inkqubo komthetho inshorensi mihla luphawulwa nokuqhekeka magama kunye neenkcazelo, declarative kunye unspecific. Namhlanje, phantse akukho sephepha umthetho ubonelela iyunifomu ummiselo osemthethweni kushishino insurance, oku kusebenza ngokupheleleyo kwaye uMthetho Insurance kwi Russian Federation.

Kweli nqaku umbhali iqwalasela kuphela indawo emxinwa umthetho wesizwe kwi-inshorensi - umthetho-inshorensi - inshorensi liability civil kubantu (CDF), nto leyo yenze imisebenzi yobungcali. Lo mbandela zohlalutyo neengqikelelo ezingundoqo zomthetho kunye neenkcazo ifakiwe umthetho inshorensi kwaye isetyenziswe ngendlela ethile inshorensi. Olu hlobo inshorensi ayisiso isenzeko esitsha ngokupheleleyo amalungelo oluntu. imisebenzi ethile kule ndlela eyenziwe yi-mthetho. Ngokukodwa, imisebenzi ekhankanywe, ukuziphatha apho ukuphunyezwa apho Insurance Act icwangcisa inshorensi liability yobungcali. Ezi ziquka: imisebenzi yomenzeli amasiko, imisebenzi yophicotho-zincwadi, amaxwebhu, imisebenzi real estate.

Noko ke, nangoku kumiselwa umyalelo-inshorensi alupheleli isakhiwo ayinyani ezivela zomthetho nezobudlelwane bangabi kuphuhliswa ingcamango efanayo. Ngokukodwa, kukho inkcazelo yeTyala kuLuntu ayixhomekekanga na into i-inshorensi, ngaba angaxeli ingqikelelo isiganeko inshorensi.

Amanye amanqaku lo mthetho uvumela ukuba actualize ingxaki: lokuqala - ukunqongophala impazamo enye yezomthetho elawula olu hlobo; le yesibini - kukungabikho mhia abantu CDF kwinqanaba mthetho ukwenza imisebenzi yobungcali.

Umba phambi kuthi uhlobo ezichaphazela inshorensi. Ngamanye amazwi, nangona yokuba policyholders akhuselwe kwaye oko kusenziwa ngokudlela indlala iimali zabo, injongo ephambili CDF sixhasa ukhuseleko kubantu besithathu abaye balahlekelwa.

Ngenxa yoko, ngokumalunga nalo i-inshorensi, unako ukuqulunqa inkcazo: nobutyala yoluntu ye umntu owenza imisebenzi zobungcali - na isicelo kulo amanyathelo kunye nezohlwayo (iindleko ezongeziweyo) kwimeko Ukusilela ukufikelela (engafanelekanga ukufezekisa) iziphumo zabo, zenzelwe ukuba umntu wesithathu: umbutho karhulumente , lo mntu.

Ithiyori kunye practice-inshorensi akuthethi zisonjululwe umbuzo ubume mxholo lesivumelwano inshorensi yale hlobo. Abaxhamli zinakanwa zomthetho nezobudlelwane ezifana abachaphazelekayo abantu (zomthetho kunye ngokwasemzimbeni), kwicala ogama wenza isivumelwano. Isiphumo lisetyenziswe ilungiselelo mthetho lubonisa ukuba mthetho Russian kusenokwenzeka ukuba iimpawu zokhuseleko ezinxulumene ne ukuphunyezwa abemi kweentlobo ezithile zomsebenzi oqeqeshelweyo. Noko ke, amava ngamazwe kubonisa ukuba umthetho ayikwazi kuqwalaselwa ngokunxamnye kwisenzo inshorensi yabantu zomthetho njengohlobo lwe CDF ezinxulumene kuphela nokubonelelwa ngeenkonzo zobungcali.