NoNcedo - le mfuneko kuchasene nomthetho waseburhulumenteni. inkcazelo imfuneko kuchaswa, iimpawu kunye nokubalulwa

NoNcedo - yizo ngokusemthethweni, nobhaliweyo ezoqoqosho zemali kunye ne-inshorensi. Amaninzi, le ngcamango bajongene lwamagqwetha iisuti embambano. Ngokutsho nemithetho emisiweyo yombutho, ukuze abuyekeze umonakalo, linokusebenzisa ilungelo abanaluncedo yeemfuno inshorensi kunye imfuno evela umoni imbuyekezo imbuyiselo ehlawulwa. Loo mthetho ebekwe phantsi Art. 1081 GKRF kunye neminye imiqathango. Amaxesha amaninzi ukusebenzisa le inkampani yeinshorensi ekunene, uzama ukunciphisa iilahleko.

Yintoni abanaluncedo

Le ngcamango amaninzi zifumaneka amabango mayibhekiswe imbuyekezo neendleko iinkampani ze-inshorensi, kwaye zithunyelwe abukho oyedwa yale ngozi. Loo mthetho yokuqala ukuvela kwi iibhanki kunye necandelo zemali. Bank ubhenele abanaluncedo nxamnye umntu ekhutshwe osayilwayo ayisebenzi, njengoko apho ebhankini sele wenza intlawulo. Inxalenye wenziwa na isenzo ngqo kwiinkundla.

njani ilungelo abanaluncedo

NoNcedo - oku yeyona ubhetyebhetye na inkampani ye-inshorensi, nto leyo uzama ukuqalisa. Amacala imbuyekezo kunokwenzeka kule meko silinganiselwe kwisixa kweentlawulo inshorensi. Lo mthetho wabeka phantsi kwisitanza. 1 Civil Code st.1081. Ukongezelela, iinkampani ze-inshorensi angacela imbuyekezo iindleko ezithe zavela xa kuqwalaselwa iimeko-inshorensi okanye iingxoxo phambi kwenkundla. Kwimeko yokugqibela, le nto kufuneka lubandakanywe kwingxelo sebango.

Insurance MTPL izicelo

Uhlobo uqhelekileyo ukuvela yamabango kuchaswa - ntetho amabango phantsi ipolisi ye-inshorensi motor TPL ezinyanzelekileyo. Ukutshona inshorensi ingacela imali yentlawulo kwezi meko zilandelayo:

• Ukuba ukwenzakala okanye kungade kukubulale nexhoba uqale ngenxa yokuba kakubi. Umzekelo, ukubetha, ukuba wenziwa ngokukhethekileyo, yaye sele eqinisekisiwe enkundleni, loo nto ithuba ukubanga imali intlawulo ukuya ngumdlwenguli.
• Ukuba umonakalo obangelwe ngenxa umntu obambe kwimo kunxilwe obunxilisayo okanye ezidakumbisayo. Ubungqina oku unako ukukhonza izenzo medosvidetelstvovaniya. Abanaluncedo ye-inshorensi enganeliswa ukuba ubunyani ukunxila (okanye iziyobisi) ayenziwanga bungqinelwa abasebenzi zonyango. Izenzo ezinjalo ziqhotyoshelwe ityala kwaye inokusetyenziswa njengobungqina kwicala elinye okanye elinye.
• Ukuba umonakalo kwingozi kubangelwe ngumntu nangaliphi na ixesha elinikiweyo akanalo ilungelo lokuba ukusebenza imoto. Oku kuthetha ukuba amabango abanaluncedo zenkampani inshorensi ngokusemthethweni isiseko esiluqilima, ukuba umoni akanayo ilayisenisi yokuqhuba okanye kuvinjwa kuyo ngenxa iintshukumo zokwaphulwa kwemithetho yendlela yangaphambili.

Amanye amatyala abanaluncedo

Le imbuyekezo ayikwazanga eyinyaniso kwiimeko kakubi ngabom xa kusenzeka ingozi. Noko ke, ukuba basebenzise eli xesha umthetho, mmeli kwinkampani ye-inshorensi kufuneka ubungqina bokuba umenzi wobubi wengozi okunene babaleke. Ingxelo Administrative, kwabhalwa isibakala lokuxhatshazwa ezinjalo abayi kuba enkundleni ubungqina obaneleyo. Le data Izixhobo isimangalo ngokuvusa umqhubi adminotvetstvennosti kufuneka iqhotyoshelwe. Ummeli we kwinkampani ye-inshorensi linyanzelekile ukuba bammise izibakala kubonisa ngokucacileyo ukuba umqhubi washiya ngabom abakwindawo kwingozi yemoto.

Abanaluncedo ngenxa yesivumelwano inshorensi

Imigaqo-nkqubo ye-inshorensi imoto zidla elibekiweyo abantu bamkelwa kulawulo isithuthi-inshorensi. Ukuba umonakalo sele esisigxina, ngumtyholwa bubuso nto leyo ifakiwe kule mvumelwano MTPL umqhubi wavuma ukuba yokuqhuba, inkampani yeinshorensi ufumana ilungelo abanaluncedo.

Olu hlobo mfuneko bekuya kuba kusenokwenzeka ukuba isivumelwano inshorensi a igatya esivumela inani labantu agunyaziswe ukuba asebenzise isithuthi-inshorensi. MTPL isivumelwano kufuneka kugqitywe ngenxa mfuno. Izithintelo kusetyenziso lwe isithuthi benefits zezi zilandelayo:

• Ibeka uluhlu lwabantu kokuba ilungelo lokuba ukulawula imoto inshorensi;
• okhethwe ixesha apho kunokwenzeka ukusebenzisa isithuthi ngaphakathi kwimida lamathuba inshorensi;

Ukuba inshorensi iquka umhlathi isangqa labantu abafanele kulawulo TC, lo mgaqo-nkqubo kufuneka kuboniswe amagama abaqhubi wavuma ukuba ukusebenza lo isithuthi.

Kuba abemi ukusebenzisa le moto ixesha oko kuthetha ukuba imoto zingasetyenziswa ngethuba lonyaka elithile. Umzekelo, ukuba izithuthi zijikwe ukunciphisa ukusebenzisa ixesha elilinganiselweyo begcakamele nyaka, kodwa iyavakala ukuba inshorensi snowmobiles kuphela ebusika. Imibutho kunye namashishini futhi basebenzisa i-inshorensi 'uba ", ixesha-inshorensi isicelo ukuya emikhumbini yamanzi, oomatshini ikhephu ngamaxesha ahlukeneyo.

Ukuba isiganeko benefits olwaphula le imigaqo nemiqathango, ukuba angavumi ukuba ahlawule kwinkampani ye-inshorensi akanawo ilungelo, njengoko ezi zithintelo zingafakwanga kolu luhlu lwezinto, njengako apho intlawulo uya kohluthwa. Kodwa waphula imiqathango yesivumelwano insurance, umqhubi inshorensi azichanabe kumngcipheko zokusebenza zibe amabango abanaluncedo ngayo kwinkampani ye-inshorensi.

Uhlolo kunye namabango noncedo

Umthetho wethu umhla nokufunyanwa ipolisi ye-inshorensi kunye nexesha istampu elikhupha uhlolo zobugcisa ekuvunyelwene. Ngelo xesha, ngo-2012, kwafika ukusebenza igatya phantsi apho umnikazi imoto kufuneka banike ezabo lwazo ngexesha lokuvelelwa zoluntu imithwalo, umkhweli iteksi, iilori, umkhweli ibhasi kunye nezinye iintlobo zothutho. Ukuba ngexesha elivela isiganeko benefits tehtalonov kwakuzaliseka imihla wokuphelelwa, inkampani yeinshorensi unelungelo ukufaka ibango, noncedo kuba CTP kulo mzekelo baya kwaneliswa.

Amatyala ukumqumbisa amabango abanaluncedo

Nangakumbi, lo mbutho-inshorensi uya kuba nelungelo lokwenza ibango intlawulo yembuyekezo:

• ukuba "ngumtyholwa 'ingenzeka le isiganeko oKhuselwe ngeInshorensi nandzu emotweni;
• ukuba eli tyala ibonakele nokuhlolwa umqhubi, kodwa ulwazi malunga ngawo ikhadi diagnostic, akwenziwanga kwaba.

Ndingenza ntoni xa yeinshorensi yenza abanaluncedo

Xa loo meko ukuze kubekho umnini imoto, ngoko kubalulekile ukubonisa algorithm izenzo apho insurer ibango agrumentirovanno nga umngeni enkundleni.

Ngelo kwinqanaba lokuqala kucetyiswa ukuba ukufumanisa ukuba inkampani ye-inshorensi unelungelo lokubeka amabango abanaluncedo. Kuyenzeka ukufumana phandle emva kokufunda iziqendu angaphambili kweli nqaku.

Akuyomfuneko ukuba wenze umnyinyiva kwi insurer kwaye kwangoko inike imvume imbuyiselo ngenxa abanaluncedo. Ingozi okanye enye isehlo elithe lenza umonakalo kwipropati okanye impilo, kufuneka kuboniswe kunye nembono ixhoba ngokwengqiqo ngumtyholwa. Isiseko lokuqala ibango kufuneka ukutshintshwa kwe-inshorensi yembuyekezo kwixhoba. Ukuba loo ntlawulo bekhanyela bonke amabango parameter nganye inshorensi angakwazi ngokukhuselekileyo ukwala.

Nceda uqaphele ukuba kukho ilungelo abanaluncedo ye-inshorensi kuphela ngexesha transfer yentlawulo inshorensi ukuba ixhoba!

Isixa kwamabango ngenyameko yaye imithi yebango

Ummangalelwa isibheno malunga neemfuno kwinkampani ye-inshorensi, ukuba imali engaphezulu ngeemfuno ezenziwa iintlawulo inshorensi. Ngokutsho komthetho, isixa abanaluncedo alisayi kuba ngaphezu xabiso kwentlawulo inshorensi. Kufuneka kwakhona ukuqinisekisa ukuba ixesha kulinganiselwa Asikabi lixesha - kungenjalo iimfuno abanaluncedo ye-inshorensi iya ngokuzenzekelayo yanto.

Ekuqaleni kwexesha lilinganiselwa ukuze ithathelwe ingqalelo xa insurer uzalisekisa isibophelelo ahlawule imbuyekezo inshorensi. Ngumtyholwa akayi kuba nako ukuchasa abanaluncedo amabango ye-inshorensi, ukuba amabango filing xesha kodwa lixesha.

Yaye khumbula ukuba kuphela bokuba unetyala kwingozi yemoto unika isizathu sokuba nethemba inkampani yeinshorensi ukuba sigqibo wenkundla ngenxa ukuqhubeka kwaba bafundi. Ukuba zizenzo ngamnye kwakhokelela kokuvela isiganeko benefits, kodwa ngenxa yesizathu esithile umntu wafunyaniswa enetyala, onke amabango inkampani ye-inshorensi i parameter nganye azinazo naziphi na isizathu esibambekayo.