Liability insurance phantsi iinkqubo contract, iimeko, amaxwebhu kunye neziphakamiso

Kweli hlabathi lanamhlanje kufuna amabango ezizodwa inshorensi ingqalelo, amagama anxulumene kunye nemithetho, kwakunye bokuqonda yokhuseleko yoluntu. Kubalulekile kuphela ukuqonda, nto leyo kubonakaliswe umxholo kwesivumelwano inshorensi liability abemi (GO), kodwa kwakhona ukwahlula iimpawu ezendeleyo kwiimeko ezahlukeneyo neentlobo.

Ukongeza, ukwakhiwa yempahla amaxwebhu afunekayo kunye nenkqubo ngokufikelela imvumelwano - ulwazi hayi ngaphantsi kubaluleke, ngoko asimele mazifumaneke ngokukhululekileyo wonke umhlali. Yintoni liability insurance phantsi isivumelwano?

Yintoni na le-inshorensi GO?

Eyona olwahlula inkalo ngezivumelwano ezinjalo, zisekwe ngokusekelwe inshorensi Civil - isifundo apho isivumelwano senziwa, lo mhlaba onesimilo.

Xa mkhuba kukho imfundiso akaguquki, nto - ulawulo ezingundoqo - xa umntu eye yabangela umonakalo, nokuba eziphathekayo okanye ngokwasemzimbeni, kuye kwabangela umonakalo woniweyo, kufuneka ukubuyisela ngokupheleleyo ilahleko ezenziweyo nelahleko. Kuba oku kwaye aveliswe phantsi kwesibophelelo inshorensi liability.

sihloko ebuyiselwayo

• Iindleko zoqoqosho iqela owenzakeleyo. Eli nqaku kuquka ngokupheleleyo yonke impahla kuchaphazeleke mali ibangwe woniweyo ngenjongo ukubuyisela okanye angachacha ngokupheleleyo, okanye nokulungiswa komhlaba, leyo lwaba ngumtyholwa. Le nto ibizwa ngokuba usasazo lwe umonakalo yokwenene owenzeke ixhoba ngumtyholwa. Umzekelo, ulungiselela kwesibophelelo inshorensi enyanzelekileyo zobutyala yoluntu zabanini imoto.
• iindleko zomthetho ekungenwe kuzo kwixhoba. Oku kuquka imali ukuba ngumntu ilahleko ngamalungelo, bahlala kuyo ukubuyisela kubo. Oku kuquka, umzekelo, iindleko ngenxa reviews of iimveliso okanye iinkonzo, iintlobo yeendleko zomthetho.
• Ezingenayo, leyo ixhoba. Ukuba ipropati yonakele ngenxa ngumdlwenguli yezenzo bazisa ingeniso lomniniyo, umsunguli kufuneka kubuyisela isixa inzuzo ethe yalahleka kangangexesha elithile naphantsi kweemeko ezithile. Le nkqubo ke ngokucacileyo osekwe kwinqaku weshumi elinesihlanu Code Civil.
• Imbuyekezo for umonakalo leyo eyabangela ukuba impilo kunye nobomi nexhoba.

Kubalulekile ukuphawula ukuba kulo mzekelo liability insurance phantsi ikhontrakthi izakuwandisa nje kuphela izenzo leyo of (etshabalalisayo) character etshabalalisayo, kodwa kwiimeko yokungasebenzi, nto leyo ebangela umonakalo kwixhoba.

sezomthetho yokuhlela

ubutyala Civil yahlulwe amacandelo amabini: kwisivumelwano somsebenzi ne non-yemvumelwano.

Kwimeko yommiselo zezivumelwano luxhomekeke amalungelo, izibophelelo noxanduva, kwakunye izohlwayo lokungathobeli, ezo zichazwe kwi kwisicatshulwa isivumelwano efanelekileyo.

GO uhlobo ngemvumelwano kuphela nemithetho-inshorensi kunye neenkqubo, okanye uxanduva phantsi komthetho okanye phantsi kwesivumelwano lobuqu amaqela. Imigaqo-inshorensi liability kuxoxwa ngezantsi.

Oko kukuthi, kukho ezimbini ezinokwenzeka. Okokuqala, inkqubo-sikhokelo apho esi sivumelwano abulawe, iifom ezisemthethweni kulawulwa ngokwaneleyo umda sezomthetho. Le ukhetho yesibini: amaqela amabini ukuya ikhontrakthi bevumelana-sikhokelo uxanduva lwabo - ngubani, njani kwaye yintoni eya kubakho ophetheyo.

Zonke izivumelwano, atyikitya isivumelwano kufuneka ngokuthe gca, yonke imiqathango, izixa kunye namalungelo kufuneka zibhalwe phantsi.

Non-ezivumelwano ifom GO (ekwabizwa ngokuba tort) kulawulwa kuphela yi-mthetho kunye namanye amanyathelo asemthethweni.

Avamise kakhulu i-inshorensi woxanduva phantsi isivumelwano.

Kufuneka kuqatshelwe ukuba phakathi zeenkqubo liability eyahlukileyo. Umzekelo, kukho iindidi ezahlukeneyo lezimangalo, kuxhomekeke on contract ukusetyenziswa okanye tort:

• Yimeko ngemvelaphi bomonakalo.
• Ngokwemiqathango ngummiselo ukulinganiselwa.
• Umthwalo ubungqina nandzu.
• Kukungabikho okanye ubukho umonakalo non-eyimali.
• Nezinye iindlela. Loo umahluko GO umele kwimeko xa kukho isenzo mthethweni enxulumene nezibophelelo zezivumelwano.

Ngokomzekelo, ityala xa umkhweli, owayenesifo intshukumo carrier uvumelekile ukukhetha imo wenkundla ukubulawa kunye nohlobo ibango.

Kutheni kusenokufuneka ukugqiba isivumelwano inshorensi liability?

iimpawu

Of the Code Civil oqondela ezinye iinkalo ezihamba isenzo inshorensi DPP. Iinkcukacha ezichazwe kwisahluko sama-48, inombolo sihloko 932:

1. polisi eyodwa kuphela likhusele ingozi ubutyala, oko ngenxa yokophula imvumelwano.
2. Kananjalo ne-inshorensi okanye umxhamli. Xa oku kubalulekile, oko ezisisigxina mvumelwano okanye hayi, lowo kwenziwe ubabalo (egameni le-inshorensi, umntana okanye abanye abantu, okanye wakhetha ogama).
3. risk benefits ecaleni ngenxa esaphula kwekhontrakthi, ezinikwa umthetho.

iintlobo izivumelwano

Kukho nje ezinye iinkqubo inshorensi ixhaphakileyo, nto leyo ibonisa uhlobo ezahlukeneyo kumatyala inshorensi kunye yeTyala kuLuntu, yahlukile kwezinye iintlobo zobutyala.

Iindidi iingozi liability insurance zezi:

• HAMBANI inshorensi lokwakha.
• umqhubi Tour.
• abanini imoto. Kuyinto kwesibophelelo liability insurance yabanini-zithuthi.
• Keli okanye abathwali umkhweli.
• Imvumelwano liability insurance ngenxa yomonakalo.

Xa echaza iimpawu ze-inshorensi ngenxa yezizathu ezahlukeneyo, kwaye GO akukho akufuneki ukuba anikele ingqalelo ekhethekileyo ngalunye kwezi ntlobo zilandelayo lesivumelwano.

GO isivumelwano inshorensi developer

Ngokuhambelana kunye nezilungiso zokuphelisa FZ, abaphuhlisi kufuneka izalisekise izinto ezithile malunga ukutshintshwa kweendawo zokuhlala kwabo nxaxheba abavela kwisivumelwano.

Ukubonelela ethile uhlobo izibambiso lunyanzelo enjalo. Khetha isibambiso unokuba ngeendlela ezininzi:

1. Bank siqinisekiso.
2. GO contract inshorensi developer lobungozi, ezinokuvela ngenxa ukungathobeli.

Isivumelwano inshorensi kulo mzekelo kuya kuba yimfuneko ukuba ukugqiba omnye phambi kokuba kungeniswe onke amaxwebhu ayimfuneko kwi kwisivumelwano ulwakhiwo ekwabelwana okanye ezinye zokwakha isivumelwano Rosreestr.

iya Ekupheleni kwesivumelwano eso, ngokuxhomekeke umdla impahla inshorensi ukwenza inshorensi (kulo mzekelo - umakhi), nto leyo kuhlangene ukuba izinto abaxhamli, oko kukuthi, ulwakhiwo inxaxheba.

umcimbi weinshorensi bokusilela ukufezekisa imisebenzi umakhi ukuhambisa ezindlu nxaxheba ikontraki yokwakha ekwabelwana. Kulo mzekelo, zonke iimali ngaphantsi kwe-inshorensi kunye isixa yomonakalo kufuneka ibalwe ngokungqinelana nesivumelwano kokwakhiwa ekwabelwana.

Imvumelwano ka-inshorensi yeTyala kuLuntu kunyanzelekile ukuba umqhubi tour

Ukuba sithethe ngayo ubudlelwane nezivumelwano ezinxulumene contract lezokhenketho, kwaye usilele khona phantsi kwesi shishini lokukhokela abatyeleli (leyo kule meko ngeInshorensi), abaxhamli benkampani (leyo lizuze), banelungelo ukuba angenise isicelo esibhaliweyo yokuhlawula zonke iindleko ezenziweyo, kubandakanywa neendleko olukhenketho .

Kulo mzekelo, isenzo yolawulo ngokusemthethweni obuxhasa inani Federal uMthetho 132, ukulungisa iziseko umsebenzi babakhenkethi, kwakunye nemithetho inshorensi GO.

Kwimeko-inshorensi GO imingcipheko inshorensi shishini lokukhokela abatyeleli kungabandakanya:

• Kwilahleko ekungenwe kuyo ngenxa iyonke ezingezo-komsebenzi okanye yokusebenza ngokungafanelekanga yezibophelelo yayo yi ngeInshorensi.
• Ukubakho kwi imveliso kwezokhenketho iimeko ezithile.
• Ukophulwa amanyathelo ukuqinisekisa ukhuseleko umxhasi yomsebenzisi utyelelo babelungiselela uhambo okanye ngexesha uhambo ngokwalo.

Phantsi kwesi sivumelwano zibandakanya imali indemnity, elibekwa isivumelwano shishini lokukhokela abatyeleli inshorensi ubutyala, kwakunye njengembuyiselo umonakalo kanye owenzeke kwindlalifa.

GO inshorensi yabanini-zithuthi

Ngokutsho mthetho, nto leyo ngoku osebenza kummandla Russian Federation, zonke umnini wesithuthi okanye umnini-taxi unyanzelekile ukuba ukugqiba isivumelwano-inshorensi i-inshorensi enyanzelekileyo, okwabizwa ngokuba CTP.

Olu hlobo luqhelekileyo namhlanje kwimarike iinkonzo ezinjalo. Le meko-inshorensi eziphambili on contract inshorensi motor zigunyazisiweyo:

• Umonakalo owenziwe umkhweli okanye esinye isithuthi obangelwe kwingozi.
• Ukonakala impahla, ngaphandle umonakalo kwimpilo yexhoba.
• Engozini ebandakanya akukho zithuthi ngaphezu ezimbini. Inika zonke ikhontrakthi inshorensi elisisinyanzelo liability abanini zezithuthi.

Zombini isithuthi wonzakele kwingozi, kufuneka imigaqo-CTP.

GO inshorensi contract carrier

Kulo mzekelo, liability lophethe xa ilawulwa inani Federal uMthetho 67. Ngokwalo mthetho, onke amaqumrhu asemthethweni, iinkampani, amashishini, imibutho enikeza iinkonzo ukuphumeza nayiphi na iindlela zothutho, zinyanzelekile ukuba inshorensi hambani zabo, ukuba baphathe abakhweli.

Ngaphandle emgodini taxi iimoto ezifana umthetho ufuna ukuba inshorensi abakhweli zabo abathwali ekwenzeni imisebenzi edweliswe ngezantsi iindlela zothutho:

• Railway. Ngaphezu koko, i-inshorensi senziwe ngexesha zokuhamba na ngokupheleleyo umgama. Kwakhona kulawulwa yi-Charter of the w / d kwezithuthi.
• Air. Inshorensi efunekayo ukuthuthwa naluphi na uluhlu umgama, kuquka ntaka. Lo msebenzi lilawulwa yi-Code Air. Yintoni enye idinga kwesibophelelo yoluntu inshorensi liability zabanini imoto?
• Maritime. Umsebenzi lilawulwa Code of navigation olwandle. Xa kufikwa kwempahla yezithuthi.
• yamanzi nezwe. Control isekelwe kwi-Code of Inland Water Transport.
• Ground. Olu didi lubandakanya tram, iibhasi, kwimetro, ezothutho Isitimela. Control lwenziwa ngenxa yoMqulu yezothutho ezindleleni kunye nezithuthi bedolophu zombane.

Imvumelwano ka-inshorensi yeTyala kuLuntu ngenxa yomonakalo

I-Russian Civil Code kunye nomthetho kwi-inshorensi amalungiselelo ubutyala fixed ezinokuthi walala phantsi kwifomu yesivumelwano kunye tortious yemithetho imbuyekezo amatyala inshorensi. ezizezi:

1. Ukuvunyelwa ukuba inshorensi umngcipheko GO of the zeinshorensi phantsi isivumelwano, apho uye izibophelelo ezithile kwimeko apho enokuwona okanye ukonzakala kwabanye.
2. Isivumelwano kufuneka kusungulwe ngubani onoxanduva. Kungenjalo, uxanduva luya kuwa phezu insured.
3. GO ikhontrakthi inshorensi umonakalo okanye ukwenzakala lusoloko uthathwa ukuba kugqitywa egameni nexhoba. Enoba ngokufumaneka inshorensi ukusuka insured.

basengaba Yintoni kwesibophelelo inshorensi liability enyanzelekileyo?

GO inshorensi besithathu

Xa siqwalasela olu hlobo kwesivumelwano umzekelo ngokuphathelele ukwakhiwa kunye nomsebenzi wofakelo, kuyacaca ukuba i-inshorensi GO ukuba amaqela esithathu.

Kulo mzekelo, isivumelwano ekunokugqitywa ngokwenza uphuhliso, nto leyo eya kuba kuqala zeinshorensi, abakhi engundoqo, ngubani na oya kuba owesibini, kwaye umntu inshorensi ngqo kunye umntana enze.

Le yinto isebenze njenge umdla kwipropati, kwaye lonakalisa umonakalo ukuba benziwe amaqela esithathu ngexesha lokwakha kunye nokufakelwa, okanye imisebenzi enxulumene lokugunyazisa.

Kulo mzekelo, ingozi inshorensi ziziwe:

• Umonakalo kubomi okanye kwimpilo kubantu besithathu.
• Ukonakala impahla kubantu besithathu.
• Amabanjwa kwimeko mnye, ukonakaliswa kwempahla, impilo kunye nobomi amaqela esithathu.

ezifunekayo kunye nemigaqo-nkqubo

Inshorensi naluphi na uhlobo GO usoloko wenziwe ngokutsho ngendlela ethile.

Le nkqubo lilawulwa yeseti imithetho yokhuseleko. Zibandakanya:

• Kufuneka angenise isicelo esibhaliweyo, nto leyo eya kubandakanya isicelo kubonelelo ngeenkonzo ze-inshorensi. Emva koko kukho intlanganiso macala ezimbini iintetho ukuxoxa zonke, ngaphandle kokukhetha, izibophelelo kunye nemiqathango. Ngaloo ummeli wenkampani yeinshorensi linyanzelekile ukuba ukwazisa abemi zonke iimeko, iingozi kunye namalungelo athile nganye yemveliso ezifundiswayo.
• Ukungqinelana nomgaqo ingqibelelo liphezulu, uphawu ngenxa komda wemisebenzi inshorensi, umntu okanye umbutho ebonelela ngeenkonzo ezinjalo, kufuneka zazise abaxhasi zabo malunga nemiqathango yesivumelwano ngokunyanisekileyo nangokupheleleyo.
• Emva kokuxoxa iimeko kwimvumelwano ibonakalisa ukuthanda insured.
• Le mvumelwano kufuneka siqulathe iinkcukacha ezifana negama, ifani, patronymic kwaye uqhagamshelane insurer.
• Kufuneka kuvunyelwane abekiweyo isixa-inshorensi lomngcipheko nomonakalo kwipropati.
• Kufuneka kwakhona ucacise ixesha i-inshorensi, intlawulo uzive kwakunye indlela eya kwenziwa iminikelo.
• kumhlathi Yahlula kufuneka ucacise amatyala ezingekhoyo inshorensi, yaye phezu isiganeko intlawulo ongaphathiswanga.

Ngenxa yoko, i-inshorensi GO ibonelelwa ngumthetho, iKhowudi Civil, okanye ingozi liability contract inshorensi ehambisana uhlobo oluthile, kukho umlinganiselo othile kokokunyanzelwa kumgangatho karhulumente eli, kusetyenziswa xa kukho lunyhasho lwamalungelo kwaye kukho imfuneko ukubuyisela xa yonakele okanye umonakalo kwaye kufuneka ukuba sikhala.

Kungenxa yoko le nto umthetho ibaluleke kangaka. Iyilelwe ukuba lokulawula ukuphunyezwa amanyathelo ezithile eyenzelwe ukuhlangabezana neemfuno umntu owenzakeleyo kwi ngeendleko mthetho, okanye ngumtyholwa owabangela ukuba ububi.