Kuphi ukukhononda ngokuthi inkampani yomshuwalense ngu CTP?

Sibheka kuhlanganiswe ngobuciko izimpendulo eziningi, engatholwa kuyi-Internet, kuba sobala ukuthi akuyona yonke abashayeli eRussia ukwazi khona sikhalo sakho enkampanini yomshuwalense, uma amalungelo abo angokomthetho adicilelwe. Futhi lokhu kwenzeka daba umshwalense ayimpoqo kanye yokuzithandela.

Ngesikhathi esifanayo abantu ibhekene nezinkinga ezifanayo, lisabisa ukumangalela futhi ukubhekana SC budedengu. Kodwa ungakhohlwa ukuthi ukuthuthukiswa enjalo kungadinga imali nje kuphela kodwa futhi isikhathi, ngeshwa, impumuzo. Ngakho-ke, sicabanga khona sikhalo sakho enkampanini yomshuwalense, ngaphandle nokuyisa lolu daba enkantolo.

izinyathelo kuqala

Ngezinye izikhathi kungenzeka ukubhekana nalesi simo silula. Phela, inkampani yomshuwalense siqukethe abasebenzi. Futhi uma izenzo phi of them sezishiye kuwukwephula amalungelo abanikazi imoto, IC uqobo, nokuthi iphuzu lokuqala khona sikhalo sakho enkampanini yomshuwalense. Rosgosstrakh, RESO-Garantia Umshwalense noma yimuphi omunye isibopho ukunikeza impendulo ebhaliwe. Uma walenqaba noma ungaphenduli nhlobo, khona-ke udinga akhononde ngaphezulu. Ngakho-ke kungcono uma you sala khathaza! Ukuthumela isikhalazo enkampanini yomshuwalense.

CBR

Eliqondisa umsebenzi izinkampani zomshuwalense okwamanje isimo isikhungo kuphela okuyinto uphathiswe imisebenzi ehambisana. Wabuye kungokwalabo, futhi Ukukhishwa amalayisense izinkampani zomshuwalense ukuze. Le nhlangano iyona Central Bank of the Russian Federation. Libuye obhekene ukubeka yamanani CTP kanye inkomba izingxenye. Central Bank eqinisekisa ukusebenza kwezimali izinkampani zomshuwalense. Uma kudingekile, angase limise ilayisensi, noma ngisho beyikhipha. Ngaphezu kwalokho, Central Bank eminyakeni yamuva nje futhi ngokuvamile uqoka isiqondiso zesikhashana kulabo izinkampani ezibhekwa eziyinkinga ukuba.

Kuyasiza yamalungu?

It kuvela ukuthi izinkampani zomshuwalense Russian bathembele ngokuphelele ezintweni Central Bank. Ngakho, oyinhloko, khona sikhalo sakho enkampanini yomshuwalense uma isidingo, khona-ke nguye.

Uma olunembile futhi kahle kwakha bathumele isikhalazo ebhaliwe, maduze uthole impendulo ubone kwezinyathelo ezathathwa maqondana inkampani yomshuwalense. Phakathi UK bangalindela unswinyo ephoqelela inhlawulo eside.

I FAS

I-Federal Antimonopoly Service - kungenye isikhungo ukuthi sinikezwe imisebenzi ukulawula izinkampani zomshuwalense ngisho esenzakalweni esisodwa khona sikhalo sakho enkampanini yomshuwalense. I FAS zivame ujezisa Motor izinkampani zomshuwalense, uma yokugcina nokwephula umthetho, kufaka hlangana lezo eziphathelene kuya CTP.

Mhlawumbe cishe yizo zonke abanikazi imoto, ijwayelekile ukunqunywa amasevisi motor isithiyo. Kufanele abheke amasayithi yomshuwalense, futhi ungathola elihle izinhlawulo onikezwe izinkampani zomshuwalense kule ndaba. Inani enkulu kuyodingeka bakhokhe yinkampani uyobanjwa ukudayiswa ikhadi zokuxilonga, noma umshuwalense wokuphila lingabekela yokufuna umshwalense.

Yiqiniso, ngokuvamile e-UK engavumi ukwenza ekukhokhweni esihle nokuzama isinqumo enkantolo. Kodwa ezimweni eziningi, le misebenzi Uyi ngowakho ngabo. kusadingeka Ngakho ukukhokha. Ngakho izinkampani zomshuwalense kukhona isisusa esinamandla ukwenza kuzuzisa kakhulu ukuze sihlinzeke izinhlelo kahle, kunanini izinto eziyingozi ukuze ethintekayo eziphambana nomthetho.

Ngakho, enye indlela yalapho ukukhononda enkampanini yomshuwalense ngu CTP iyona FAS uma kukhona izinkinga kwi ukuthathwa noma ukwelulwa kwenkontileka. Ngaphezu kwalokho, kuyinto umnyango kahulumeni kumele uxhumane uma abeke amanye amasevisi uma wenza loan imoto. Ngesikhathi esifanayo ungakhohlwa ukuthi lapha, njengoba ngempela lokho, ngoba ezinye izimo, kubalulekile ukuthola ubufakazi ukuletha UK ebulungisweni.

PCA

I-Russian Association of Motor izinkampani zomshuwalense abahlangene professional izinkampani zomshuwalense. Injongo eyinhloko yale engenzi-nzuzo ukuba iqaphe imisebenzi amalungu ayo futhi ukusebenza kwalo mthetho umshwalense. Nokho, umkhuba ke kwenzakala imisebenzi kuyiwa. PCA okhokhela isinxephezelo kulabo izinkampani zomshuwalense ukuthi baye bayishiya ilayisensi. Kuyinto usizo ngempumelelo kakhulu abanikazi abaningi imoto. Kodwa ngesikhathi esifanayo kufanele sikhumbule ukuthi ukuphathwa kwenhlangano yakhiwa amaqembu eyinhloko izinkampani ngobukhulu umshwalense. Ngakho-ke, isikhalazo angabhekwa izinkampani ofanayo lapho zikhishwa.

BCC

Enye inhlangano, ebizwa ngokuthi "Zonke-Russian Union of izinkampani zomshuwalense," icishe ifane inkinga odlule. Ngesisekelo imisebenzi esemqoka ukuthi zadeklamirovany kulezi zinhlangano, kuyacaca, lapho kungenzeka akhononde ngokuthi umsebenzi enkampanini yomshuwalense. Bili esifanayo ebuza indlela inhloso ezocatshangelwa izikhalazo wathola.

Yiqiniso, ngeke uwathatha. Nokho, ukuphumelela izinyathelo ezinjalo nomthelela izinkampani zomshuwalense anesizathu esizwakalayo sokungabaza. Ngemva kokuhlola umkhuba, kumele kuphetfwe ukuthi kuphumelela kangcono zizokhanga inkantolo isimo, kunemikhiqizo isikhalo esibhaliwe association of izinkampani zomshuwalense.

Kodwa okuthile ukuze basize?

Noma kunjalo, asikwazi ucacise kanye nosizo ukuthi abashayeli ukusuka izinhlangano zochwepheshe izinkampani zomshuwalense. Nakuba main ukwesekwa - ulwazi, kodwa ngisho ukuthi siyasebenza kakhulu. Kusayithi, isibonelo, iqukethe yonke imithetho nezinye iziqondiso eziphathelene wemboni umshwalense motor. Ungathola futhi neminye imininingwane ewusizo.

Ungakwazi ukubala malini kuzobiza inqubomgomo ikusasa umshwalense ayimpoqo. Futhi esizeni kukhona lwemibhalo, equkethe izingxenye ezisele izindleko. Lokhu kuvumela ukubala kahle imali ukuze yonke imininingwane edingekayo ukuze umsebenzi wokubuyisela edingekayo emva engozini yemoto.

Kodwa kusobala, lena akuyona inkantolo, khona sikhalo sakho enkampanini yomshuwalense noma umshuwalense wokuphila LCA kufanele, uma lezi zinsiza eziphoqelelwe lapho uthenga inqubomgomo.

Rospotrebnadzor

Can sibala ngosizo Rospotrebnadzor, uma phakathi umshwalense kanye izimpikiswano oVikelwe ephakamayo? Ngenxa ubunjalo inqubomgomo, umnikazi imoto umthengi. Yingakho inkantolo inelungelo ukubasiza. Futhi la maqiniso babe, lapho inhlangano uvikela amalungelo abanikazi imoto.

Ministry of Finance, esikhundleni salokho, uma izinkinga CTP noma ukunqunywa umshwalense ezengeziwe has yezincomo zayo kuphi akhononde ngokuthi umsebenzi enkampanini yomshuwalense. Izikhalazo ngesisekelo lezi zincomo, kufanele zithunyelwe kuphela Central Bank. Ngesikhathi esifanayo abanikazi imoto ungafaka isicelo kusevisi Federal.

Uma konke okunye yehluleka

Ngaphezu kwalokho, kukhona esinye isiphathimandla esinamandla. Kuyinto ehhovisi lomshushisi. Kubasebenzi bayo ziyadingeka aphendule ukwephulwa kwamalungelo nenkululeko abanikazi imoto. Lena Ngokwesibonelo khona sikhalo sakho enkampanini yomshuwalense CASCO noma MTPL kungenzeka. Kodwa kuphela uma ubufakazi bokuba necala alikho, ubheke engenamsebenzi. Ubufakazi kungaba, isibonelo, kobufakazi bofakazi zokuphula umthetho. Ngaphandle izikhalazo Hull futhi MTPL, futhi lapha ungakwazi akhononde ukuziphatha kabi kwalokhu abasebenzi UK, isibonelo, uma kwakukhona ukwelashwa ezimagebhugebhu ukuze amaklayenti. Kulokhu, abenzi bangalindela inhlawulo eningi zokuphatha.

isiphetho

Ngakho, kuvela ukuthi naphezu izincomo olusemthethweni ukubhekana izikhalo Motor izinkampani zomshuwalense kuphela tsenralnoy Bank of the Russian Federation, kunezimo eziningi lapho abanikazi imoto ungafaka isikhalazo uma amalungelo abo ziphuliwe.

Ukukhetha kuphi uya kusekelwe eqinisweni onjani ukwephulwa zalotshwa kuwe. Libuye efiselekayo ukuthi isikhalazo sakho kwaba kwamehlisa. Khona-ke phumani inkampani yomshuwalense ngeke aphumelele.