Ibhonasi-malus Coefficient (MSC). Amakilasi KBM MTPL: etafuleni. MSC 1 Class 3 - kusho ukuthini?

Akuwona wonke umshayeli uyakwazi lokho amakilasi MSC. Ngesikhathi esifanayo, ukuqonda okuwusizo hhayi kuphela ezindabeni ezinjalo, kodwa futhi inzuzo. Ake sihlole umbuzo kusukela ekuqaleni, okungukuthi, ukuba mnikazi imoto ongenayo ngisho ukwazi indlela nakancane MSC, futhi sibheke ezinye ubuqili uhlelo lwayo lokusebenza.

umshwalense ayimpoqo

Wonke umnikazi imoto kanye namanye amadokhumenti kumelwe kube ophethe CTP. Lokhu ayimpoqo umshwalense motor isithiyo. Ngenxa izinqubomgomo kubo bonke abashayeli, ngaleyo ndlela, avikelwe. Uma injalo indaba engozini yemoto, le yomshuwalense onecala yengozi ezikhokhwa iqembu elimele ukuze siphinde sithole imoto. Futhi uma uye wahlupheka ngenxa yokulimala siqu, ngisho ekululameni.

Lolu hlobo umshuwalense uhlelo eklanyelwe ukukhuthaza abashayeli ukushayela ingozi-DRM. Ngaphezu kwalokho, isilinganiso isebenza maqondana lesimbi yengozi. Kuyazeka ngokusebenzisa MSC-amakilasi. Ukuze ufunde ukuthi zisithinta nokuthi asebenza kanjani.

KBM-amakilasi

MSC imele Coefficient ibhonasi nesijeziso iphuzu. Ibhonasi uthola umshayeli asingeni ingozi, imbangela yokuthi yena ngokwakhe iba, njengoba malus, ie Coefficient ukunciphisa, ngokulandelana, uthola lowo omula ingozi.

Elingenazinkinga Ukugibela ingase ihlale iminyaka eminingi. Kodwa izinkampani zomshuwalense, ngokuqinisekile akukhona nesithakazelo ekuhlanganyeleni ukuze wehlise izindleko inqubomgomo ifinyelele zero. Ngakho-ke, kufanele ucabangele embundwini lapho izindleko zomshuwalense ayisaxhunyanisiwe encishisiwe. Lona-50%.

Kukhona bashayeli abangafuni ukuthobela ukushayela zonke imithetho yomgwaqo iminyaka eminingi futhi hhayi ukuthi awephule. Kungaba ngokungafanele uma kwadingeka bakhokhe kakhulu ngendlela labo abashayeli owacishe alimazanga ilungelo komgwaqo.

Ngakho, i-ratio obuyisilinganiselo 0.50. Ukuze kuzuzwe lokhu, udinga ungathintani ingozi engu-10.

Ukwehliswa noma ukulahleka izaphulelo

Ngisho ne isaphulelo esiphezulu, ungacabangi ukuthi onikezwe wonke ngaphandle kwemibandela. Uma umshayeli engozini, ngokuba umsunguli walo, isaphulelo uya phansi kuziwa iyunithi, bese kudingeke kabusha eside hambisa nohahelwa 50%. Kodwa uma umshayeli wayegibela beshayela futhi muva nje isaphulelo encane, umphumela wengozi it is hhayi kuphela kabusha kuqanda, kodwa izindleko zokuhlinzwa umshwalense kuzokhulisa ngisho.

Ngokombono bacabange abashayeli Fide, ingaphezu kunengqondo ukulinganisa: uma uhamba ngendlela yokuthi kungaba yingozi kwabanye, ukukhokhela inqubomgomo yakho ngaphezulu!

Baningi izingozi zenzeke nje ngenxa ukuhluleka noma abashayeli udumo. abantu abanjalo kuphela uzokhokha ngaphezulu nje lapho kuwa on iphutha kule ngozi. Ngakho-ke, lapho Imicimbi ezincane ngabo ngcono kakhulu ukuxoxa party abalimele ukuxazulula inkinga ngaphandle kokuthi ushayele amaphoyisa omgwaqo. Khona-ke, wanelisa futhi ahlale yedwa (njengoba akusho isidingo sokuchitha isikhathi nezinzwa ukuze uxhumane inkampani yomshuwalense), kanye nezinye (njengoba isaphulelo kunqubomgomo linjengalokhu linjalo, futhi izohlala injalo).

By the way, udinga ukwazi ukuthi amakilasi MSC CTP asisebenzi trailer. Futhi, ngeke kunakwe lapho inqubomgomo ikhishelwa angaphandle ukuba sendleleni kazwelonke noma imoto.

KBM MTPL ekilasini: ithebula

Ngakho, eqondiswa ithebula ngezansi, ungakwazi ukubala MSC yakho. I umugqa ovundlile kubonisa ekilasini somshayeli ekuqaleni ethemini kwenqubomgomo. Kuye drive for ngonyaka (ingozi-free noma nge ingozi, ngemiphumela izinkokhelo umshwalense) onyakeni olandelayo inikezwe omunye ikilasi MSC ku CTP. A ithebula siqukethe amakilasi nanhlanu, lapho "M" okusho "maximal", wabelwa ukuba ibhokisi isigwebo.

Yikuphi ekilasini uthola umshayeli, wahlala phansi okokuqala beshayela?

Ngonyaka wokuqala umshayeli inikezwe ikilasi ukuphepha 3. Masitadishe Kulesi sibonelo, kanjani ukuqonda amakilasi angu-MSC. ITHEBULA lapho ebuka umugqa wokuqala mpo, iqukethe isigaba uma yesibili - 1. Ukuthi Coefficient. It kuvela, MSC 1, Class 3. Kusho ukuthini?

Uma umshayeli ukushayela kulo nyaka ngeke bangene zomgwaqo (bheka kukhalamu yesithathu), khona-ke inkathi umshwalense olulandelayo kuyoba MSC - 0.95 ekilasini - 4, ngokulandelana. Khona-ke isaphulelo kuyoba ulingana amaphesenti amahlanu. Nokho, uma phakathi nalesi ingozi nkathi kwenzeka, uyothuma ekilasini 2, lapho MSC kuyinto 1.4. Ngako-ke umshwalense kuyodingeka bakhokhe u-40% ngaphezulu.

Kufika ukushayela kufanele niqaphele kakhulu, kusukela lapho ukwehluleka ezimbili noma ngaphezulu MSC iba esiphezulu futhi ilingana 2,45. Kodwa lapho elingenazinkinga Ukugibela yesithathu-class umshayeli uzobuya ngonyaka olandelayo, futhi futhi akazange abe ukukhokhela umshwalense.

KBM, ilingana 0.5, kusho esiphezulu amaphesenti amahlanu isaphulelo. Kodwa uma umshayeli engozini, wabelwe grade 7, elihambisana 0.8.

I-CTP liqoshwe abashayeli eziningana

Uma umshwalense esikhishwe abashayeli eziningana, MSC kubhekwa ngendlela ekhethekile. Ngesisekelo iyisici enkulu. Ngokwesibonelo, uma umshwalense sizibhale abashayeli ezine, ezintathu kuzo kuba elilingana 0.7 kanye ngezansi, kodwa munye kuphela 0.9, umshwalense kuzoxoxwa ngesisekelo MSC zokugcina, isb inikezwe isaphulelo amaphesenti ayishumi.

KBM nge umshwalense angenamkhawulo

Uma uhlose ukuthenga inqubomgomo yomshuwalense okuyimpoqo, okuyinto ungasebenzisa nenombolo enganqunyelwe abantu, MSC kubhekwa ngendlela ehlukile. Ithathwe njengoba ngesisekelo idatha yomnikazi imoto.

Kubalulekile khumbula ukuthi uma uke uthenge inqubomgomo ku inani elilinganiselwe labantu, bese kwanqunywa ukuba avuselele it i angenamkhawulo, kubalulekile ukuthi uyifaka eceleni kwalabo ababenziwe emigomweni nombuthano abakhawulelwe. Kungenjalo, zakamuva MSC-amakilasi izolahleka.

Indlela hlola ratio ibhonasi-malus?

Sicela uqaphele, MSC is akangenanga database eyodwa Russian Union idatha izinkampani zomshuwalense. Iqukethe kuphela ulwazi mayelana umshwalense langaphambilini ku imoto. Kodwa isilinganiso ibalwa futhi yaqinisekiswa ngokuqondile enkampanini yomshuwalense uma uthenga umshayeli inqubomgomo. UK kumelwe sisebenzise amakilasi MSC ngoba CTP, kanye neqhaza database of ulwazi mayelana izingozi lapho umshayeli lo imoto yakhe.

Ngakho-ke, kuba izinkampani zomshwalense kanye ungabheka MSC futhi ukuhlinzeka ulwazi olufanele.

Nokho, ungafunda ngalokhu kanye nezinye izindlela. Ngokwesibonelo, ukuya indawo kanye PCA ebhekisela kumila MSC. Ngenxa yalesi isidingo ukubhala ikhodi VIN noma isimo inombolo yakho ilayisensi futhi ulwazi mayelana umnikazi.

Ngezikhathi ezithile (njengoba akuyona isibopho) izinkampani zomshuwalense ukhombise MSC ku umshwalense. Ngakho-ke, ngezinye izikhathi kwanele ukufunda idokhumenti ngokucophelela. Inombolo zinganikwa ngokumelene amagama ngamunye abashayeli noma izimpawu ezikhethekile.

Amasayithi amaningi namuhla, zikhona yokubala inthanethi, ngawo ungakwazi ukubala MSC zakho kalula. Ngakho, kungenzeka ukuthi bafunde bebodwa.

Kumila idatha MSC

Ngakho, idatha ukubala Coefficient inkampani yomshuwalense ithatha kusukela phansi Russian Union of izinkampani zomshuwalense. Zenziwa ngqo izinkampani zomshuwalense ukuthi abashayeli oVikelwe ukuba. Lesi sici kumele sikhumbule ikakhulukazi labo unqume ukushintsha IC zabo komunye. Kungcono ukuthatha nabo inkampani efanayo umshwalense isitifiketi okuzokwenziwa kuboniswa MSC. Iqiniso lokuthi ezinye zazo zingaba nomthelela ngesikhathi esingafanele noma ukukhohlwa ngakho, njengoba kungenzeka ezinye izinkinga ebhuthini, nokunye. Ngakho-ke kungcono ukudlala kuphephe ukuletha idokhumenti siqu efakazela ukuthi une isilinganiso ezithile "ngephutha" ungazange kabusha.

Isaphulelo Izici

Kule ndaba kufanele bacabangele ulwazi olulandelayo.

Muva nje, isaphulelo for the ride elingenazinkinga sasitholakala imoto ethize. Lapho ukudayiswa yayo kanye ukuthengwa umshayeli esisha esasinalo kabusha uqale umlando umshwalense wakhe. Ekuboneni amaphutha lesi simiso kuye uyekiwe. Manje zonke inani amakilasi amaningi indlela lapho MSC umshayeli libhekisela ngqo. Ngakho-ke, akunandaba yini imoto ngenkosi nokuthi inkampani yomshuwalense atholwe Inqubomgomo MTPL. Kuyinto main elingenazinkinga ogibele.

imibuzo Hlukanisa ukuthi kukhona ebuzwa abashayeli

Ake sicabangele izimo ezithile ambalwa.

Yini, isibonelo, omunye wabashayeli, okuyinto olotshwe CTP, yaguqula izincwadi zakhe zokushayela? Endabeni yesivumelwano ekhona kufanele ngokushesha zisebenza UK. OVikelwe ngokubhalwe phansi, azise ngomshuwalense ukuze yokugcina yenze ezinye izinguquko ukuze base ulwazi Russian Union of izinkampani zomshuwalense.

Enye inkinga kwezinhloso zenzuzo abashayeli is njengoba kuchaziwe MSC, uma inkontileka umshwalense akugcini kunombolo abashayeli yokuthi enkathini yokugcina yesivumelwano sihlinzekela inani elilinganiselwe kubo. Kulokhu, lo SC esabela isigaba ukuthi is ebalulwe inkontileka umshwalense. kanjani UK, uma isimo sishintshile, okungukuthi zokugcina yesivumelwano umshwalense akanayo imikhawulo njengobunengi bemiphefumulo, futhi entsha okuphelela imigomo kanye ukulinganiselwa? Kulokhu, inkampani yomshuwalense iyadingeka ukwehlisa MSC.

Class 3 - loku kusho kutsini umshayeli? Ngaphezu kwalokho, lesi sigaba ikhishwa kumuntu wokuqala ithole beshayela uma umshayeli akafakanga ibe CTP inkontileka isikhathi esingaphezu konyaka, okwakuyoholela abakushayi kuye eziqhutshwa noma ngaphambi kokuba wokushiswa, kepha wabuye uthola eklasini balahleke beshayela okokuqala. Okungukuthi, abangabantwana MSC 1, ekilasini 3.

Kusho ukuthini lokhu umshayeli, uma alinikezi imininingwane egcwele mayelana nengozi inkontileka? ukubala Engalungile kohlelo iyoba ukutholwa ngokushesha. Ngakho-ke, inkampani yomshuwalense kuleli cala, ziwumthwalo izinhlawulo ku umshayeli. Basuke obonakaliswe 1.5 MSC. Lokho, ngonyaka ozayo ukukhokhelwa kuzokwanda factor 1.5.

isiphetho

Siye okushiwo amakilasi MSC, indlela zibalwa, isicelo futsi abhekwe ngalokufanele. Abashayeli kudingeka sikhumbule ukuthi kubalulekile nje kuphela ukuba ukwazi ukushayela imoto bese ulandela yonke imithetho ekhona traffic. Kuwufanele futhi ukuba uqonde ezinye zezindima izimpikiswano ezihlobene, ezifana, isibonelo, umshwalense kanye siqonde izici zaso ezicashile, okungukuthi isihloko namuhla yethu. Wabe uyozizwa uqiniseka beshayela, kuyilapho kulondolozwa imali yabo.