Enwetshiwe MTPL umshwalense - ke DSAGO (umshwalense ngokuzithandela): izimo, ngebuhle nebubi

A icala civil evumelekile sibalulekile ukuze ukusetshenziswa imoto. abashayeli Domestic ngokuqiniseka ukuhlukanisa phakathi inqubomgomo yokuqeqeshelwa MTPL umshwalense, oqinisekisa ukuvikelwa abantu abathintekayo, kanye Hull inqubomgomo, okuyinto ivala isikhala umonakalo kungakhathaliseki ukuthi ubani owayebaluleke ibangelwa yengozi. Okwamanje ke buthola umfutho kukho sesithathu wesithathu umshwalense isibopho sezomthetho - enwetshiwe umshwalense CTP. Ibizwa nangokuthi i avtograzhdanki yokuzithandela - DSAGO. Ake sibone ukuthi yini izici zalesi iphakethe futhi yiziphi zako.

CTP angenamkhawulo

inqubomgomo avtograzhdanki Standard ilinganiselwe esehlanganise ukulahlekelwa. MTPL isamba yibhange ngumbuso kanye ayikwazi ukukhushulwa ngaphandle kwamasevisi ezengeziwe. Ngakho-ke, ezimweni ezimbi kakhulu, lapho umonakalo omkhulu kwafakazelani inkantolo, imbangela kwadingeka bakhokhe ukuze isisulu kweyayo. Umthetho ofanayo is babeka phansi Civil Code Art. 1072 owawuthi kwaba obhekene ingozi kufakazela umthwalo wokuba kubhujiswe umonakalo. Kulokhu, inguqulo olukhethekile usizo CTP. DSAGO ikuvumela nxephezela ngokugcwele isisulu ngenxa ukwanda umkhawulo kwesamba. Kukhona umshwalense efanayo ezibizayo, kodwa iyadonsa ngaphezulu. Inani izinkokhelo CTP enwetshiwe kuze ruble ayizigidi ezingu-15. Ngakho-ke, uma unganelisekile iphakethe esezingeni auto icala, futhi ufuna ngaphezulu, ungahlela ngoba enwetshiwe umshwalense ikhava. CTP kuyiqiniso ikakhulukazi Wabasaqalayo, muva nje wahlala phansi ngoba isondo.

izinkampani eziningi zinikeza amaphakheji enwetshiwe, okuyinto afakiwe nase-okungeziwe. Advanced ukweba CTP uzothola isinxephezelo ku ecaleni lokweba auto. abashayeli abanolwazi, elingenazinkinga isipiliyoni ukuthi idlula iminyaka emithathu, kungase akunankinga ukukhipha MTPL ngaphandle kwamasevisi eyengeziwe - isipiliyoni ukushayela kuyinto isiqinisekiso eliqinisekile ngisho uma kwenzeka ingozi umonakalo kuyoba esincane.

Izici DSAGO

Enwetshiwe umshwalense CTP libhekene kanje:

• DSAGO iyingxenye inqubomgomo MTPL. Ngaphandle avtograzhdanki saziso akunakwenzeka ukwenza iphakethe yokuzithandela umshwalense isibopho sezomthetho;
• inani izindleko, izidingo eziyisisekelo kanye nenani izinkokhelo saziso eyasungulwa ummeleli we umshwalense;
• kanti umshuwalense MTPL enwetshiwe izinzuzo kwenzeka kuphela ngemva komkhawulo motor ayimpoqo umshwalense wesithathu iphelile.

Yiziphi izinzuzo DSAGO?

umshwalense zokuzithandela has eziningi eziwusizo phezu ejwayelekile "avtograzhdanki":

• umshwalense icala ku yokuzithandela umshwalense motor efanayo CTP;
• ngu DSAGO izinkokhelo uqale kuphela uma avtograzhdanki saziso nokho ichaze inani umonakalo;
• inombolo engenamkhawulo izinzuzo kungenzeka, ukubaluleka usalelwe umkhawulo ezilinganiselwe ka lokumiswa.

Hull futhi MTPL

Abashayeli kumele ukhumbule ukuthi sikebhe futhi DSAGO - ezihlukahlukene nomshuwalense. Yini kubahlanganisa wukuthi yena nabanye dokhumenti izinhlobo yokuzithandela umshwalense. Umehluko ebalulekile. DSAGO inguqulo enwetshiwe ngaphezulu ejwayelekile umshwalense imoto isibopho sezomthetho - izinkokhelo kulolu hlobo umshwalense abazenzi ukuze kuzuze labo abaphethwe izenzo umnikazi Inqubomgomo sika. umshwalense CASCO ivikela umnikazi imoto, kungakhathaliseki nalokho okulimele.

DSAGO kuphi ekhishwe

Enwetshiwe umshwalense MTPL kungenziwa ikhishwe kunoma iyiphi inkampani yomshwalense, futhi abaningi babo ukunikela ukukhipha avtograzhdanki ngokuzikhethela itjhorensi ozikhethela yona iphakethe. Lena inenzuzo umshwalense, futhi kwikhasimende. Ngomshuwalense ithola semali yokukhokha phansi ikhasimende, uma kwenzeka ingozi, akudingeki ukuba ugijime izinkampani ezahlukene umshwalense futhi ukuqoqa imibhalo eyengeziwe - inkokhelo inqubomgomo eziyisisekelo sezihambile uzobe iletha yi eyodwa kanye nenhlangano efanayo. uma umshwalense isibopho sezomthetho iye ikhishwe nge "i-ejenti eyodwa" enwetshiwe CTP angathengwa ngasiphi umshwalense isigatshana eseduze.

Yini imibhalo kudingeka ukubhaliswa DSAGO

Ukuze ukubhaliswa CTP sithuthukiswe umshwalense iphakethe kufanele balungise amaphepha ezilandelayo:

• inqubomgomo yamanje yomshuwalense imoto icala, njengoba akusho ethubeni lokuba udaba ngaphandle CTP ezengeziwe;
• ukubhala eqinisekisa yokubhaliswa imoto;
• ilayisense yokushayela umnikazi auto noma amandla ommeli ukulawula imoto;
• umnikazi imoto iphasiphothi.

Yini enquma ubukhulu izinkokhelo

Mayelana ukuthi kubiza malini CTP wawanda wekugcina, ungabona omele inkampani yomshuwalense. Uhlobo izinkokhelo sokugcina lowo ophathwe kabuhlungu luncike akhawunti noma ukuziba bafake imoto. Kulokhu, uma kukhona isivumelwano ukuthi iphesenti ukwehla is kunakwe kulesi sibalo izinkokhelo, isinxephezelo sokugcina kuyoba kakhulu kancane. inzuzo Okuningi ukuba ingenzele incwadi Uhlobo lwesibili yomshuwalense lapho ukuwohloka izinyembezi ayoshaywa indiva.

Kanjani ukubala DSAGO

Bala CTP e version ende bebodwa ngeke zisebenze. Inani eliphelele kuthengiselana kuzoncika eziningana criteria ezengeziwe, uhlu oluphelele okuyinto ngomshuwalense amasethi. Hlangana nokhunye ezibaluleke kakhulu:

• TC izici;
• umshuwalense wokuphila;
• silinganisela umshuwalense;
• ubudala futhi eneminyaka engu-umshayeli;
• uhlu amasevisi angeziwe.

Ngokolwazi eqoqwe, ngomshuwalense usetha yamanani ayo iphakheji umshwalense. Ngokwesibonelo, wenkokhelo obuncane ayizinkulungwane 300. Ruble uphoqa umshayeli Inqubomgomo DSAGO siphethe nge umnikelo kokuqala in ruble 1200-1800. Umshayeli Ngokwesilinganiso, ezama ukubala CTP e version enwetshiwe, kubeka wenkokhelo cishe unyaka nesigamu million, sibophezela ngaye ukukhokha "dobrovolku" ngesilinganiso afika ku ayizinkulungwane 6. Ruble ngonyaka. Kulokhu, uhlelo ibhonasi ku DSAGO asisebenzi! Ukusiza abashayeli kumawebhusayithi eziningi izinkampani zomshuwalense posted yokubala inthanethi ku DSAGO, lapho ungafunda izindleko eseduze iphasela ukuphepha.

Ukwenza DSAGO Wabasaqalayo

Abashayeli, okokuqala bahlala phansi beshayela imoto yakho siqu, izimo kungenzeka endleleni kungabangela ukukhathazeka okufanelekile. Abashayeli abaningi bayesaba bangene engozini, futhi ngenxa yalokhu sonke sibhekana. Kodwa izenzo zakhe Ngemva kwaleyo ngozi, le Cubs ngokuvamile abacabangi. Khonamanjalo, kuyisinyathelo sokuqala umshayeli eyonquma ukuthi uzokhokha isinxephezelo nokuthi uyophinde ukubuyisela imoto. Yingakho abashayeli ayikwazi ukuthola isinxephezelo - ngenxa yokuntuleka ukunakekela nemibandela umshwalense, nakuba, isimiso, njalo isisulu unelungelo lokuthathwa njengomsulwa umshwalense isinxephezelo.

Ngenxa yalokho abashayeli ayisekho ufaneleke ukuthola umshwalense? Cabanga ezivamile amaphutha saqala.

• Ilungu le ngozi ngokwakho kokushiya indawo ngozi imizuzu.
• umnikazi Car athonya isisulu ngokuthi kuboniswanwe ngalolu daba ngaphandle wamaphepha.
• Umshayeli, elikhishiwe kwezinye izinguqulo umshini ngezindleko zayo, futhi kuphela ke icela yokukhokha.

Zonke lezi zenzo zikwenza ukuba uqhubeke nokwelashwa ngenxa isinxephezelo umshwalense.

Kushiwo ngamuphi umqondo ukuthi kwemali ekhokhiwe

Uma umshayeli yakhelwe kahle ingozi futhi inkampani yomshuwalense wavuma ukuba isinxephezelo, inkokhelo yokugcina ubanjwe izinsuku ezinhlanu. Ezindaweni kude lé eRussia, le nkathi sidluliselwa izinsuku eziyishumi nanhlanu ukusebenza. Ukuze umshwalense ngomshuwalense kumele uhlinzeke ngohlu ethize kwemibhalo. Ukuze ibangelwa ohlwini ingozi kwamatayitela simiswe ngalendlela lelandzelako:

• isicelo;
• okubili noma inqubomgomo MTPL uqobo;
• ikhophi ilayisense yokushayela futhi amandla ommeli (uma umshayeli ubeshayela imoto yakwelinye izwe);
• isitifiketi kusukela legatsha lendawo amaphoyisa omgwaqo lendawo kanye nesikhathi ingozi eqoshiwe, okubonisa umonakalo okufunwayo.

Iqembu abalimala nayo iphoqelekile ukuba inikeze enkampanini yomshuwalense uhlu esiyisibopho amadokhumenti, owawuthi kwalokho kuzobe sekwenziwa isinqumo yekuhlola yokukhokhelwa. Ziyakwazi:

• isicelo umshwalense isinxephezelo (isampuli zingafundwa kuwebhusayithi ngomshuwalense sika);
• ikhophi ipasipoti;
• idokhumenti eqinisekisa iqhaza engozini yemoto;
• amadokhumenti ukuze imoto;
• ifomu lokufaka isaziso yengozi;
• amakhophi imizuzu (uma ihlanganiswe ngesikhathi kwehla ingozi yomgwaqo).

Amaphepha ahanjiswe ehhovisi eliseduze inkampani yakho siqu umshwalense.

isinxephezelo yemvelo CTP

Okwamanje, iningi abanikazi izimoto abathintekayo ungatholi imali esandleni, futhi nje ukubuyisela imoto yakho siqu ngezithukuthuku umshwalense. On-uhlobo izinkokhelo idluliselwe cishe bonke abashayeli yangasese wezwe lakithi. Ngokwe-emisha, iqembu elimele ngeke bathole imali ukuze kulungiswe ezandleni zakhe - esikhundleni, umnikazi imoto uzocelwa ukulungisa imoto esikhathini esiseduze inkonzo imoto enkabeni. Nge ukuthi kusho ukuthini 'Uzolulama imoto - umnikazi akufanele kube nesithakazelo. Yonke umthwalo izinga imoto ivuliwe inkampani yomshuwalense. It wayengadlali okhetha isevisi, uphetha isivumelwano nalo futhi idlulisela imali ukulungisa leyo mishini. umnikazi imoto abanazo bakwazi kuphela ukhethe ezifanele kakhulu ibanga nesikhathi service imoto nokulungisa. Uma ibanga ukuya esiteshini inkonzo eliseduze likhulu kakhulu, noma esifundeni Akunakwenzeka ukulungisa lokhu imoto yohlobo, inkampani yomshuwalense Uyonquma isinxephezelo yezimali ze-CTP. Umnikazi imoto uzothola imali esimweni kuchazwa ukubhujiswa ngokuphelele umshini.

Njengoba singabona, yomshuwalense enwetshiwe MTPL ukuzixazulula izinkinga eziningi futhi ngokuphelele kususa onecala banomsebenzi ukuvikela ngaphansi engozini yemoto. Ikakhulukazi DSAGO efanele kuyinto abashayeli imfundamakhwela, enganikeza ukukhipha umshwalense MTPL eyamukela eyengeziwe ngokushesha ngemuva kokuthenga imoto.