Ukulimala kwe-Europrotocol: inkcazo, ukubuyisela kunye nokubala kwesixa

Ayikho imfihlo yokuba ngaba ngabachaphazelekayo abangenabungozi bangenakho ukubiza abahloli bamapolisa endlela kwaye bazalise i-euro-protocol. Ukususela ngo-2015, umonakalo kwi-euro-protocol ayikwazi ukugqithisa ii-ruble ezingamawaka ezingama-50, kodwa le nkqubo ayinayo imfumba. Ukuze uqale ukuwuzalisa, kufuneka ufunde amanani ambalwa ukuze ungangeni kwindawo engathandekiyo.

Iyintoni i-europrotocol?

Ngoko, ifomu malunga neengozi yendlela, ekhutshwe kunye nenqubomgomo yomshuwalense, yi-europrotocol. Umlinganiselo wonakalo kuwo awukwazi ukugqithisa i-ruble ezingama-50, ngoko, njengommiselo, izingozi kwi-euro-protocol ayinzulu. Ngaphandle kwesaziso kwenkampani yomshuwalense, iphepha elichazwe ngendlela yokuligcwalisa kufuneka likhutshwe, nangona alisoloko lifumaneka kumqhubi.

Iphepha lesibini kufuneka liqhotyoshelwe kwisaziso, ikopi. Kunconywa ukuba uzalise i-euro-protocol kuphela nge penti yebhola kunye noxinzelelo olungileyo, ukuze zonke iileta kunye namanani ziprintwe ngokucacileyo.

Isaziso sinamacala amabini - "A" kunye "B". Xa kubhalisa i-Euro-protocol akubalulekanga kubani ozalisekisa inxalenye yiphi iphepha.

Ungayifaka njani ngokufanelekileyo?

Ukuze ixhoba libuyiselwe umonakalo owenene ngqo kunye ne-europrotocol, kubalulekile ukuyizalisa ngokuchanekileyo.

1. Ukuzaliswa kumhlathi 1-8 ngokuqhelekileyo akubangeli ubunzima bezingozi zendlela. Umntu omnye unokuzalisa le miqolo.
2. Ukuzaliswa kwezinto ezi-9-12 kufuneka zenziwe ngabanye abathathi-nxaxheba bengozi. Apha ungayifumana idatha yebodwa yexhoba kunye necala.
3. Kubalulekile ukuzalisa umhlathi 14 ngokucophelela. Apha, yonke imonakalo kwisithuthi kufuneka ichazwe ngokuchanekileyo.
4. Kumhlathi 16, zonke iimeko zengozi zizaliswe. Kwanele ukubeka iibhokisi zokukhangela eziyimfuneko.
5. Kwimimiselo ye-15 ne-18, ngamnye othabatha inxaxheba yengozi uya kuqinisekisa ubungqina benkcazelo echazwe kwisignesha yakhe.

Kubalulekile ukuba uqaphele ukuba izilungiso kwisaziso zivumelekile, kodwa maziqinisekiswe ngamanyathelo asayinwe.

Icala eliphambeneyo le-Euro-protocol lizaliswe ngumntu ngamnye. Kubalulekile ukubhala ngesandla kwaye ulahlekelwa ngumhlathi omnye.

Zimbini kuphela

Ngoko, akwanele nje ukukhupha i-europrotocol ngokuchanekileyo. Uvavanyo lomonakalo luvumelekile kuphela ukuba ngaba ababini abathathi-nxaxheba kwizithuthi bahlangabezana neemfuno ezithile.

Ngokomzekelo, akunakwenzeka ukusebenzisa isaziso ngokwakho ukuba kwenzeka ingozi phakathi kwemoto kunye neloli okanye imoto ene-trailer, esele yabalwa kwiimoto ezimbini.

Kwakhona, i-Euro-protocol izaliswe kuphela xa kukho uqhagamshelwano phakathi kweemoto ezimbini. Ukuba ilungu elinye le ntshukumo linqwenela ukuba "libaleke" kwi-collision kwaye liphazamise kwinsika, ngoko kulo mzekelo kubalulekile ukubiza abahloli be-DPS.

Amaphepha afunekayo

Ngaphambi kokuvuma ukugqiba isaziso, kubalulekile ukuba uhlolisise ngokucophelela amaxwebhu omnye umntu. Kubalulekile ukuhlawula ngokukhethekileyo umgaqo we-MTPL, ngaphandle kokuba akunakwenzeka ukudala i-Euro-protocol. Ingaba isithuthi siqinisekisiwe? Umonakalo kuwe akukho mntu uya kuhlawula, ukuba umgaqo-nkqubo usuphelile okanye ukhishwe omnye umntu. Ukuba konke kulungelelaniso, uza kufumana imali yentlawulo.

Umnini we-CASCO ukubhaliswa kwengozi kwi-europrotocol akayi kusebenza. Inyaniso kukuba xa uhlawula i-inshorensi kwinkampani kufuna isiqinisekiso esivela kwindlela yokuhlola kwendlela, ekhutshwa kuphela emva kokubhaliswa kwengozi ngumhloli. Oku akuyona into efanelekileyo, ngoko kwixesha elizayo, mhlawumbi, ukuvinjelwa okunjalo kuya kukhanselwa.

Kufuneka kwakhona ukhangele ilayisenisi yokuqhuba kunye namaxwebhu emoto. Ngaphandle kwabo awukwazi ukwenza isaziso.

Umzuzu osisiseko

Xa ugqiba isaziso sesiganeko sothutho, kubalulekile ukuba uchaze ngokucacileyo nangokucacileyo onke amanqaku. Kubalulekile ukukhusela amabinzana angabonakaliyo, njengokuthi "Ndiyamkela ityala lam, kodwa kungekho ngokupheleleyo." Kule meko, umonakalo kwi-euro-protocol ayiyi kubuyiselwa.

Bobabini amaqela kwisiphakamiso kufuneka avumelane phakathi kwabo kwaye omnye unyanzelekile ukuba athathe ngokupheleleyo isigxina seengozi.

Kubalulekile ukuqaphela ukuba ukuyila komngcipheko ngaphandle kobuhloli bamaxesha aphakamisa imibuzo emininzi. Inani elikhulu lamaxhoba avuma ukuzalisa izaziso azizange zilinde ukuhlawulwa ngenxa yokuba umgqwetha wakhupha inxalenye yakhe yamaphepha kwaye akazange abhale ibinzana eliphambili - "Ndiyamkela ngokupheleleyo icala lam".

Vala ingqwalasela yabatshorensi

Kufuneka kuqatshelwe ukuba iinkampani ezininzi ze-inshorensi ziphuza ukubuyisela umonakalo kwi-euro-protocol kwaye ziqwalasele ngononophelo izaziso ezinjalo. Kwaye ziyakwazi ukuqonda, kuba ngaphambili kwakukho imeko xa "abathathi-nxaxheba" beengozi bavunyelwene ngokubuyela ngokungekho nkohliso kwemali.

Ingqwalasela ekhethekileyo kufuneka ihlawulwe kwizaziso apho iintlawulo kufuneka zibe zikhulu. Iinkampani zomshuwalense azinakho ukubeka ingqalelo kwii-Euro-protocols ezinomonakalo omncinci, kodwa ukuba loo mali isondele kuma-ruble ayi-20 amawaka, ingqalelo ikhula ngamanye amaxesha.

Ukuze ugweme ukukopela, ezinye iinkampani zomshuwalense zibhekisela kubanini bee-appraisers zabo, ngubani onokunyaniseka ngokunyanisekileyo umonakalo obangelwayo nokuhlola iimoto zombini.

Kwakunyanzeliswa ukuba isebenzise i-europrotocol ukuba ingozi yenzeke kwenye indawo, kungekhona apho umgaqo we-OSAGO uhlelwe khona.

Ingozi ye-Euro-Protocol

Xa ugcwalisa isaziso, kusoloko kukho ingozi ethile. Ngokuqhelekileyo, sithetha ngala matyala, ukuba i-europrotocol ibonakalise i-ruble engama-50 ewaka. Ukuze ugweme oku, emva kokuxabana kubalulekile ukuba uhlolisise yonke imonakalo. Kukho neemeko apho ixhoba lingaqapheli zonke iintambo kunye nemijelo, efuna ukupenda, kwaye ngoko ke, imali yokutshala imali. Ngoko ke, kukho umgaqo ukuba ukuba abathathi-nxaxheba abaqinisekanga malunga neendleko zokulungiswa, ngoko kufuneka kube njalo ukubiza abahloli bamapolisa endlela.

Ngokuqinisekileyo, ixhoba elinokungabikho kwemali linokufaka isicelo enkundleni ukuba ibuyiselwe yonke imonakalo, nangona kunjalo, kwiinkqubo zomgwebo, apho izicelo zokuhlawula iimali kwi-Euro-protocol ziyanelisekile. Ukuba ixhoba liyakwazi ukuwunqoba le meko, ngoko umgwebi wengozi uya kubophelelwa ukuba ahlawule umonakalo wokonakalisa ephaketheni lakhe.

Kukhona enye ingozi. Umgwebi oye wafaka isicelo kwinkundla unokufuna ukuba i-europrotocol ibonakale ingavumelekanga. Kukho izizathu ezininzi ezahlukileyo xa isaziso sichazwa singavumelekanga, kwaye ukuba siphumelele, ke ixhoba liya kufuneka libuyise inkampani yomshuwalense yonke imali.

Ziziphi iingozi zecala?

Ingozi enkulu yomenzi wobugwenxa ingabanjelwa kwimeko apho ngexesha leengozi abathathi-nxaxheba bakhupha i-Euro-protocol, kwaye umonakalo ogqithise uphawu lwamashumi ama-ruble ayi-50. Inyani kukuba ixabiso elibekweyo alibandakanyi umonakalo wokungxiba kunye nokukrazula kwiindawo. Kwiimeko ezinjalo, ixhoba inelungelo lokufaka isicelo kwinkundla kwaye inkundla enetyala inzima ngamaxesha aqala ngokuqhubekayo kwezomthetho.

Kwakukho na matyala xa ixhoba lifake umgwebo emva kokulungiswa, okwenziwe kuhlolisiso lugqithise ubuninzi beentlawulo. Kule meko, ngaphezu kwe- insured insured, unelungelo lokufumana inxalenye yemali echithwe ngokwenene.

Ngaloo ndlela, akusiyo kuphela ixhoba, kodwa kunye necala, elifanele licinge malunga nokuba uyavumelana nokubhaliswa kwesaziso sengozi okanye cha. Nangona kunjalo, zonke ezi ngxaki zinokuphetshwa. Kubalulekile ukwazi kuphela iindlela ezimbalwa ezilula.

Ungazikhusela njani?

Okokuqala, kuyimfuneko ukuvavanya umlinganiselo womonakalo owenziwe. Kufuneka wenze oku phambi kokuba uqale ukuqokelela i-euro-protocol. Umonakalo omkhulu kunomlinganiselo ophezulu? Umgwebi akafaneleki ukotya ukubiza kwiziko lokuthengisa kwaye ufunde iindleko zokulungisa. Unokuqhagamshelana nesitolo sokulungisa umzimba kunye nencoko yomnxeba uchaza yonke imonakalo.

Ungakholelwa ukuba ulimele ukuba ukulungiswa kwazo zonke iintsimbi kunye nemiqwenga-mali ayiyi kuba neendleko ezingaphezu kwama-ruble amawaka angama-50. Unako ukuphosakela okanye ukunyenga.

Kufuneka kwakhona ukunyamekela umnyaka wokuveliswa kwesithuthi. Ukuba imoto ingaphantsi kweminyaka emithathu ubudala, ixhoba lingaphinda lifune imbuyekezo yokulahlekelwa kwexabiso lexabiso lemoto.

Ukuba intloko yomenzi wobubi iqhubekela phambili nakubungqina obuncinane, kufuneka ufune ngokukhawuleza ukubiza umshini we-DPS. Makhe kuthathe ixesha elininzi kunye nomgudu, kodwa kwikamva, ngokuqinisekileyo liya kuzikhusela kwiintlawulo ezingenakulungiswa. Nangona kunjalo, ungalibali ukuba umgaqo we-OSAGO unomda othile. Intlawulo ayikwazi ukugqithisa ii-ruble ezingama-500. Ukuba umonakalo unzima kakhulu kwaye wenzakele, mhlawumbi unetyala uza ku funeka adibanise ngaphandle, kodwa kuphela ngomyalelo wenkundla.

Njengokugqibela

Kuthiwani ukuba umonakalo kwi-europrotocol mkhulu, kodwa umntu omazileyo ubeka ingozi ngaphandle kokuthatha inxaxheba kwabahloli be-DPS?

Amagqwetha kulo mbandela acetyiswa ukuba afune ukuba iqela elingenacala lifumane irhafu ukuba umntu akanalo ibango lemali kumntu onecala.

Iirisithi kufuneka iqule yonke umfanekiso wengozi, umhla oza kuqhubana ngayo, inkcazo yazo yonke imonakalo, idatha yomuntu kwaye, ngokuqinisekileyo, isayineli. Ukuba idilesi yazaliswa ngenye indlela, ngoko ngokuzenzekelayo iyakubonakala ingavumelekile.

Ukuba umgwebi, kwaye kule ngxaki, uhamba ngokungathandabuzeki, kuya kubakho ukutsala kunye nabasithathu. Amangqina amabini kunye neenkcukacha zabo kunye kunye nokusayina kwi-risithi banele. Ngexesha lemiqathango yomthetho, banokubizwa ukuba bayiswe kwiseshoni yenkundla.

Yintoni eya kwenzeka ukuba i-europrotocol ayinikezelwa kwinkampani yomshuwalense?

Ngaphambili, kwakukho umgaqo ukuba kwiintsuku ezintlanu zokusebenza ngamnye othatha inxaxheba kwisiganeko sothutho kufuneka alethe umgaqo ozalisiweyo kwinkampani yakhe yomshuwalense, kodwa ngoku le mfuneko ishintshile kwaye ngoku ke zombini iikopi zesaziso zithwalwe yixhoba kumgcini-mali. Ukuba awuhlangabezani nomhla wokugqibela, umonakalo kwi-euro-protocol ayiyi kuhlawulwa. Kodwa oku akuzona zonke iingxaki.

Ukuba isaziso asizange sinikezwe ngexesha lenkampani yomshuwalense, emva kokuhlawulwa komonakalo, unelungelo lokufuna ukubuyiswa kwazo zonke iindleko ezisuka kwipokothini yakhe kwi-accident yengozi. Ngoko ke, inxaxheba yecala alifanelekanga emva kokuzaliswa kwe-euro-protocol. Kubalulekile ukuhlola yonke inkqubo, ukuya kuhlolisisa umonakalo wemoto, ngoko ukuba ungabhekani naziphi na iingxaki.

Kwakhona, umgwebo unyanzelekile ukuhlawula umvuzo kwixhoba esuka kwiimali zomntu kwiimeko apho wayesebenzisa isithuthi esithatha inxaxheba kwengozi zingakapheli iintsuku ezintlanu emva kwesiganeko okanye ngexesha elifanayo. Kwiimeko ezinjalo, inkampani yomshuwalense ayikwazi ukuhlola ngokwaneleyo umonakalo obangelwe.