Sinoxanduva CTP engahlawulwanga. Ngaba I ride ebalaseleyo inshorensi MTPL? Ngaba Ndihlaziya i aphelelwe nkqubo MTPL?

Ngelo xesha langoku phezu ezindleleni kwilizwe lethu ekhwela inani elikhulu izithuthi. Ekubeni imeko ezahlukeneyo ezingenzeka ngethuba uqhuba, zonke umqhubi kufuneka bazi ukuba kufuneka kusoloko kunikwa ipolisi ye-inshorensi ngokungqinelana nomthetho yangoku. abaqhubi beemoto ezininzi kakhulu nazo xa, ngenxa yaso nasiphi na isizathu abanalo ixesha zokuyihlaziya le-inshorensi kwisithuthi sakho. Ngoko, ke umbuzo: "Ndzi Nga ride inshorensi MTPL obalaseleyo?". Phantsi komthetho ngoku, ukuba ahambe ngemoto kwegaraji kuyathintelwa ngaphandle inshorensi. Kodwa kuthekani ukuba usafuna ashiye isithuthi kunye CTP olungasebenziyo? Ziziphi iindidi penalty ebekwe ngenxa yokuba amapolisa ezendlela, kwakunye naziphi na izohlwayo, yaye yintoni nobukhulu zisetyenziswa. Kule kunye nezinye izinto uya kufunda kuyo.

Kutheni kukho ulibaziseko le-inshorensi?

CTP ezingahlawulwayo - ayilotyala kwaye hayi isivakalisi, kodwa nje ngenxa yokuba apho kukho izizathu ezithile. Iinkcukacha-manani zibonisa ukuba wonke unyaka lo kwiindlela liya lisiba ngakumbi abaqhubi umdla yakhe emotweni kunye eziphelelwe lixesha imoto liability insurance.

Izizathu zoku:

• yokungabikho kwexesha lokuba tyelelo insurance inkampani;
• ukulibala okanye ukungakhathali abaqhubi;
• kukuyeka ngokuzithandela evela kumboneleli-inshorensi.

Ezi zizathu zixhaphakileyo zokuba beemoto abaninzi ukuqhuba i-inshorensi eziphelelwe lixesha. Kutshanje, Noko ke, unobangela wale ngxaki zohlobo olwahlukileyo, ezingahambelaniyo le miba ikhankanywe ngasentla. Eyona nto kukuba kweli xesha lethu ngemini ukwandisa coverage nje akunakwenzeka ngenxa umgcelele enkulu. Ngenxa yoko, abaninzi abaqhubi emva kweeyure eziliqela elindele bajike nje ngeenxa ushiye.

Yintoni na isizathu?

Sinoxanduva CTP engahlawulwanga kakhulu ubuxoki kunye neenkampani ze-inshorensi ngokwabo. Eyona nto kukuba kwiminyaka embalwa edlulileyo iindleko nkqubo unyuke ngokumandla ngenxa ukufakwa kulo, ukongeza inshorensi besithuthi ngokwayo, iintlobo ngeenkonzo ezongezelelweyo ezifana neinshorensi yobomi, impilo, ipropati kunye nabanye. Oku kwakhokelela ekubeni i-CTP uye waba nzima kakhulu ukuba ukubetha imali eninzi ukuze abanini imoto.

Ukuze ukutsala abathengi ezintsha ukwandisa ingeniso yabo, inshorensi abaninzi baqala ukunikela beemoto ithuba lokuyila ipolisi ye-inshorensi ngaphandle iinkonzo ezingeyomfuneko. Abo banqwenela ukuba basebenzise eli thuba lokuba zibe nzima kakhulu, nto leyo yakhokelela ukuyilwa umgcelele enkulu.

CTP esalele: definition

Wonke umqhubi kufuneka wazi ukuba akukho myalelo into enjalo. Kakade ke, eli gama lisetyenziswa ukusekwa kwinto yokuba non-nokuvuselela inshorensi, kunjalo, akukho ukusekelwa zomthetho angenako. Phambi ko-2009, ngokungqinelana nemigaqo, umqhubi ngamnye unelungelo lokuba ukulawula isithuthi nokuba ixesha nkqubo, kodwa ngoku eli thuba abanazo.

Ngokwemeko ekuyiyo ngoku namhlanje?

Iinyanga ezinikwe ngumthetho, wanikwa abaqhubi beemoto ukuba bacinge malunga imfuneko inshorensi okugunyazisiweyo isithuthi sakho kwaye ukwandisa CTP inshorensi engahlawulwanga. Ngeli xesha, lo mgaqo-nkqubo kuthathwa njengomoni, kodwa yena akazange aphulukane amandla ayo kwaye amapolisa ezendlela wayengenalo ilungelo kakuhle umqhubi.

Kule mihla, izinto zahluke kakhulu. Amapolisa banelungelo ukumisela isohlwayo ngosuku olulandelayo emva kokuba umgaqo Uyekile ukuba isiphumo. Oku kungenxa yokuba abasemagunyeni kurhulumente kwakhona umthetho waza wagqiba ukuba zonke umqhubi kufuneka ukhathazeke malunga ukwandiswa-inshorensi kwangaphambili, kanye phambi kokuphela kwalo.

Loo nto lokuqhuba kunye nepolisi ye-inshorensi engahlawulwanga?

umqhubi ngamnye abanomdla lo mbuzo: "CTP yegqitha esisongela oko?" Impendulo kule ingafumaneka kwi kwinxalenye yokuqala yeSiqendu 12.37 yeKhowudi Administrative, nto leyo ngo-2014 izilungiso ukususela kwi-15 Novemba 2015. Ngokwale ngummiselo, ukuqhuba xa kuthe yokunqongophala inshorensi, okanye ukuba umgaqo-nkqubo azisasebenzi, wasinika isohlwayo wolawulo-mali ka-800 engange. Emva kokuhlawula isohlwayo kamsinya nje umqhubi uyakwazi ukuqhubeka ukuqhuba.

Isixa-mali oluncinane kakhulu, ngoko abaqhubi abaninzi bakhetha ixesha elingakumbi uhlawule isohlwayo kunokuba ukuba bahlawule imali ezisemagqabini ukwandiswa avtograzhdanki. Ingakumbi ukuba kufuneka uhlawule isohlwayo lemali kuphela kwimeko xa zizakuqalwa ngayo ngamapolisa endlela.

Zingaphi izihlandlo iwise isohlwayo semali-inshorensi engahlawulwanga?

Ngoko ke, ukuba sele uyazi into isohlwayo engahlawulwanga inshorensi CTP. Noko ke, apha kukho omnye umbuzo othi: "Zingaphi amaxesha ngemini, umqhubi angadliwa ngenxa yokungabikho okanye i-inshorensi ukulibaziseka?"

Ngokutsho komthetho Russian, amagosa amapolisa ezendlela azivumelekanga ukuba ukumisela izohlwayo umqhubi enye izihlandlo ezimbalwa kuba kwityala elifanayo. Nakuba kunjalo, kwimeko ebesilindelwe inshorensi, izinto kancinci eyahlukileyo. isohlwayo wolawulo ukuba umqhubi lilibaziseka CTP ngoSuku 1, enyanzeliswa phezu kwethu ngokufunyanwa, ngoko ukuba ngenye imini uya kuyeka izihlandlo ezithathu, ngoko kufuneka uhlawule isohlwayo isixa elinye ixesha. Oku kungenxa yokuba isohlwayo sikhutshiwe hayi kanye nokubambezeleka nkqubo, ulawulo izithuthi ubucwebe, nto leyo lunyhasho eyahlukileyo kwaye ifuna isohlwayo eyahlukileyo wemali kwimeko nganye.

yemali izohlwayo Ubungakanani nkqubo asemva ukuba amaqumrhu asemthethweni

Nge izohlwayo yemali kubantu ngobukhulu, yonke into icacile, yaye yintoni isohlwayo inshorensi MTPL asemva ukuba amaqumrhu asemthethweni? Akukho ilula kakhulu, ngenxa yokuba lo mmandla umthetho sikude egqibeleleyo. Ingxaki kukuba iqumrhu unelungelo ukuthenga i-inshorensi ngesithuthi ngasinye into ngumnini yequmrhu. Noko ke, nayo yonke into kufikwa inshorensi imoto, uyaqonda na umqeshi baqesha umsebenzi oqhuba umatshini. Yaba nguye owahlawula izohlwayo esikhutshwe malunga nepolisi ye-inshorensi eziphelelwe lixesha.

Indlela ukuba kule meko?

Ukuba umqhubi kwinkampani, kufuneka ngexesha ukukhumbuza ubunkokheli bakhe imfuneko yokwandiswa avtograzhdanki. Kungcono uqale ngokwenza oko ubuncinane kwiinyanga ezintathu phambi kokuphela kwalo mgaqo-nkqubo. Ukuba ukwandiswa lixesha CTP iye yaphunyezwa ngendlela efanelekileyo, kwaye imidliwo, oko zifuna hlawuleka evela kumqeshi. Ukuba umlawuli uyala imbuyiselo, ngoko ekuphela kwendlela yokuphuma kule meko bekuya kuba isibheno kwinkundla.

gama Policy

Phambi kokuba uphendule umbuzo ukuba kunokwenzeka ukwandisa isixhobo nkqubo liability insurance ebesilindelwe, kuyimfuneko ukuthetha malunga intshukumo ixesha autocitizen.

Namhlanje, kukho iindidi ezintathu nezithuthi zixhomekeke inshorensi:

• ezimotweni kwamanye amazwe, ukuhlala okwethutyana kummandla Russian Federation. Olu didi kuxhomekeke inshorensi enyanzelekileyo, yaye umqhubi inikezwa ixesha nkqubo wihi ethutyana iintsuku ezi-5 ukuya kwi-15. Ngaloo ndlela CTP ixabiso kungakhathaliseki xesha iyafana.
• cars Foreign eziqhutywa kweli lizwe. Kulo mzekelo, kunyanzelekile ukuba uthenge CTP imini-20.
• Nasiphi na isithuthi aya kunikwa ingxelo esisigxina amapolisa endlela. Phantsi eli qela libandakanya ngokupheleleyo zonke iimoto ezibhaliswe kwi-Russian Federation. Kubo uthenge ipolisi ye-inshorensi esebenzayo ukusuka kwiinyanga ezintathu ukuya kunyaka omnye.

Xa usenza inshorensi kufuneka uthathe ingqalelo yokuba ingengabo bonke abaqhubi ukusebenzisa imoto yabo onke amaxesha. Abanye ashiye ilizwe ngenjongo yolonwabo okanye umsebenzi, ngoxa abanye bahamba ehlotyeni okanye zasebusika. Kukwakho abo uceba ukuthengisa iimoto yayo elizayo kwangoku. Ukuba unayo nayiphi na isixhobo umgaqo-liability insurance ebesilindelwe, ukuba benze ntoni kulo mzekelo, iya kuxoxwa kamva. Kufuneka ube inyanzelekile ukuba bakuthathele ingqalelo ixesha apho ufuna inkqubo entsha, ukuba overpay ngenxa iinyanga ukuba imoto ziya kuba bengasebenzi.

CTP extension: kuya kuthatha ntoni?

umqhubi ngamnye ezinomdla umbuzo wokuba ingaba ukwandisa CTP kunokuba. Ukuba ipolisi ilibele, kufanele kube lula ukwandisa. Ukuze wenze oku, umele ufumane inkampani yeinshorensi ekunene esifundisa imiqathango kuFeliks kunye namazinga asezantsi.

Ukongeza, imfuneko ukulungiselela iphakheji amaxwebhu, equka:

• isicelo;
• passport Russian kubantu;
• isiqinisekiso sobhaliso yequmrhu elisemthethweni ukuba amaqumrhu asemthethweni;
• uxwebhu ubhaliso isithuthi samapolisa yezithuthi;
• data imveliso;
• udlule odlulayo lokuhlolwa.

Le iseti yamaxwebhu kufuneka sokubhalisa okanye ukuvuselelwa le-inshorensi, ngoko ke kufuneka uzilungiselele kwangaphambili ukukhawulezisa yonke inkqubo.

Kufuneka wenze ntoni xa kukho ingozi, ukuba CTP liphelelwe lixesha?

Ukuba kwingozi yemoto, kodwa wena ubambe CTP ebesilindelwe, eyona ndlela yokuphuma kwesi simo kuba isicombululo kwiingxaki kunye nomnye umntu ngaphandle kokubandakanyeka kwe-arhente zokunyanzeliswa komthetho efanelekileyo. Eneneni, ukongeza ukuhlawula okulungiswa iqela owenzakeleyo, kuya kufuneka ukuba uhlawule isohlwayo.

Ukuba onoxanduva kwengozi omnye umqhubi, ufumana imbuyekezo ye umonakalo uya kukwazi on-site okanye iinkundla. Ukuba kuthe emva kwengozi kwi ezandleni zenu, ukuba kutywinwe iintanda isithuthi, imbuyekezo ngenxa yomonakalo yokuziphatha kunye nembuyiselo nezinye iindleko ezinxulumene ndiyizalele ngokupheleleyo emagxeni akho. Kulo mzekelo, ayikhuthazwa tu into yokuba inkunkuma evela kwintlawulo yembuyekezo, njengoko woniweyo okanye inkampani yakhe inshorensi usenokufaka isimangalo enkundleni.

Ingaba kukho naluphi na ithuba ukuphepha isohlwayo ipolisi ye-inshorensi engahlawulwanga?

Mhlawumbi zonke umqhubi nomdla umbuzo ukuba kunokwenzeka ukuphepha uxanduva lokulawula isithuthi ngaphandle kwi-inshorensi ezinyanzelekileyo okanye xa ixesha layo ukuphelelwa. Uyinqaba njengoko kuvakala unakho, kodwa kukho omnye khetho ukuba ukuzikhulula ekuhlawuleni isohlwayo. Nangona kunjalo, kuba oko kufuneka ukuze ulungiselele iintlanganiso namapolisa yendlela. Ukongeza, ukuba ukuyilawula imoto ukuba omnye umqhubi.

Ukuba sele iphelelwe lixesha CTP, kwaye musa ukulinda ixesha elide kakhulu, okanye ngenxa yaso nasiphi na isizathu musa ufuna ukuvuselela ngayo, isohlwayo zinokuphetshwa ukuba ubhale amandla igqwetha kolawulo kumatshini kwelinye umntu. Ukuba uza kuba akukho xesha uyeke ulindela emva kweevili ezijikelezayo, ngoko akukho sohlwayo mali ingalandelwa.

Nangona kunjalo, kubalulekile ukuqonda ukuba ezi nketho zizakusebenza kuphela ukuba uqhuba. Eyona nto kukuba lo mthetho ngoku ivumela naliphi na umqhubi yokuqhuba imoto, apho ezibhaliweyo igama ngamandla ligqwetha. Kulo mzekelo, ngokusemthethweni igqalwa njengoko umnini omtsha, ngubani na imihla zomthetho-10, apho ukwazi ukuqhuba imoto ngaphandle inshorensi.

Kuthekani inshorensi imoto kwelinye ilizwe?

Ukuba uthelekisa ubukhulu isohlwayo emali, nto leyo ihlawulwe beemoto Russian lokuqhuba ngaphandle inshorensi, kunye efanayo kumazwe angaphandle, ngoko 800 engange ziya kubonakala penny suschimi. lemali le ityala kumazwe aseYurophu unako ukufikelela 700 euro, kwaye kwezinye iimeko, umqhubi uyakwazi kwaye uthathe iphepha-mvume lokuqhuba. Kodwa kutheni ukuya kude, ukuba elingummelwane Ukraine, apho umgangatho lokuphila eziphakamileyo kakhulu, isixa isohlwayo ekungabonini ukusuka 425 ukuya 850 hryvnia (ukusuka amawaka enye ukuya amawaka amabini engange), nto leyo ngaphezulu eRashiya.

Ngoko ke, kubaluleke kakhulu kusengqiqweni ukucinga ukuba kwixesha elizayo kwangoku kwi izohlwayo Russian for ukulawula imoto kunye inshorensi eziphelelwe lixesha ukuze Linyuke ukuya kwiqondo omhle kakhulu.

iingcebiso jikelele kunye namacebo

Ukuze siphephe iingxaki ezahlukeneyo, kucetyiswa lomvuzo ngexesha zonke izohlwayo ezikhutshiweyo ngokwaphula nayiphi na imithetho yendlela. Le nto ukuba isohlwayo akukholibaziso ityala, kangangokuba 800 engange, hayi kuphela ukwandisa ngesiqingatha, kodwa umqhubi kufuneka entolongweni iintsuku ezili-15. Kungcono ukuba ahlawule intlawulo zingaphelanga iintsuku ezingama-20 emva kokuba ingxelo yezolawulo. Kulo mzekelo, unako ukufumana isaphulelo-50 ekhulwini.

Ukongeza, kucetyiswa ukuba ukuphikisa okanye babekrwada abasebenzi endlela. Kufuneka uthethe ngabaphetheyo bezolile kakhulu yaye zinomongo, kwaye kufuneka azame ukucacisa yonke le meko, ze ucele ukuba angene kwindawo yakho kubo. Kulo mzekelo, kukho kubonakala olukhulu ukuba isohlwayo uya kukhutshwa, kodwa wenza kuphela isilumkiso ngomlomo.