Kuyini i-OSAGO?

Ukuqonda umbuzo walokho okushiwo yi- OSAGO, kufanelekile ukunaka izenzo zomthetho. Kulo mthetho, inkokhelo yomphakathi ithathwa njengesibopho sokukhokhela umonakalo obangelwa iqembu elibhekwa njengesisulu. Kubonakala ukuthi okuyisisekelo sokweboleka komphakathi ukuthi wena njengomshayeli uqala ukukhokhela noma yimuphi umonakalo ongabangela wena emgwaqeni. Isibonelo, kufanele ukhokhele ukulungiswa kwemoto owake waphazamisa, futhi ukhokhela abahamba ngezinyawo owawuthinte, ukwelashwa.

Ngaphambi nje kwengozi, isisulu nomenzi wobugebengu kwakudingeka babhekane nezinkinga zempesheni ngenxa yomonakalo empilweni yabantu kanye nemoto. Izingxabano ezejwayelekile zazivamile, njengoba uhlangothi ngalunye lwalukwazi ukuqonda ngokuqondile inani lembuyiselo eyamukelekayo. Futhi ngaso sonke isikhathi umuntu onecala wayenethuba lokukhokha isisulu imali edingekayo. Ngenxa yalokhu, izinkinga ezengeziwe zivele ekuxazululeni inkinga. Ukuxazulula izinkinga ezinjalo eRussia kuya esiteshini esithuthukile ngo-2003, lapho bonke abashayeli bephoqelekile ukuba benze umshuwalense wemoto we-OSAGO. Lokhu kwavumela abashayeli ukuba bangakhathazeki ngomonakalo obangelwa yibo, njengoba inkampani yomshuwalense ithatha umthwalo wayo. Umonakalo uhlolwe ochwepheshe abazimele. Yiqiniso, lokhu akunciphisi inani lemibono kanye nezimangalo, kodwa linikeza ithuba lokuthembela ekusebenzeni.

Ngakho-ke, yini i-OSAGO futhi isebenza kanjani? Umthetho waseRussia unxusa wonke umnikazi wemoto ukuba aqinisekise ukuphakama kwakhe ezinsukwini ezinhlanu ngemuva kokubhaliswa kwemoto endaweni. Imoto engenayo inqubomgomo ye-MTPL ngeke ibhaliswe nge-STSI, kodwa ayivunyelwe ukuyilawula ngaphandle kwenqubomgomo.

Uma umbuzo walokho okuyi-OSAGO, njengokucacile, kufanelekile ukukhuluma ngokuthi ubani owenza umshwalense wezimoto zomuntu wesithathu. Sekuyisikhathi eside lolu hlobo lomshuwalense lwenziwa emazweni ahlukene, ngoba lena yindlela elula kakhulu yenxephezelo yomonakalo, eyabangelwa ngenxa yengozi yemoto. Emkhakheni waseRussia, amalunga omshwalense wemoto angafakwa kuphela inshuwalense ngamalungu enyunyana yomshuwalense wezimoto ezinelayisensi efanele ekhishwe yi-Federal Insurance Supervision Service. Le nhlangano yimbambiso yokukhokha kumshuwalense, noma ngabe kwenzekani enkampanini yakho. Ngisho nokuqedwa kwayo, ukukhokhwa okumele kwenziwe kuzokwenziwa amakhasimende ngenxa yokuthi kukhona isikhwama esikhethekile se-SAR.

Kuyini i-OSAGO nokuthi ungayithola kanjani, kuyaqondakala, kodwa manje ungaya embuzweni wokuthi loluhlobo lomshuwalense linikeza. Le nqubomgomo iqinisekisa ukuthi uma uba yingozi yengozi yomshuwalense, inkampani yomshuwalense izothatha umonakalo. I-insured iveza izibalo ngokusekelwe kwamanani ajwayelekile esifundeni lapho kwenzeka khona ingozi. Uma imoto enomonakalo, ukwehla kwezingxenye zokungcebeleka kunqunywe kusuka esamba semali. Uma ubala inani lesinxephezelo sokulimaza impilo, izindleko zokuhlinzeka ngezinsizakalo zezokwelapha esifundeni, ukunakekelwa isisulu, futhi inani lemali ekhokhelwayo elahlekile libhekwa. Futhi uma kwenzeka kwenzeka isenzakalo esibuhlungu - isinxephezelo somndeni ngenxa yokulahlekelwa ngumuntu onakekelayo, kanye nezindleko zokungcwaba kwakhe.

Kunzima kakhulu ukuthola imali ye-OSAGO. Umshwalense ngokuvamile kunzima kakhulu. Okokuqala, kubalulekile ukwenza kahle uma kwenzeka umcimbi ofanayo wokuphepha. Kubalulekile ukubiza amaphoyisa esiteshini samaphoyisa endaweni yesehlakalo, futhi ukulandelela ukugcwaliswa okulungile kwezinkomba kanye nezivumelwano. Njengoba abashayeli beqonda ukuthi kungakanani isikhathi esingayithatha, abavame ukufaka izicelo zokukhokhela izinkampani zomshwalense ngezikhawu ezimbalwa ezibukweni eziphukile, noma izibuko.