MTPL izinkokhelo uma ingozi. Usayizi kanye nemigomo yokukhokha

Ngokushesha ukhokhelwe ngenxa yengozi - evuthayo isifiso umshayeli. Kodwa akubona bonke izinkampani zomshuwalense lizokubuyisela umonakalo. Ngezinye izikhathi kufanele aye enkantolo. Imininingwane eyengeziwe ngalokho kungaba nokukhokhwa CTP kule ngozi, ukufunda ku.

imiqondo

izinqubomgomo CTP oVikelwe umonakalo okudale umshayeli wokuphila, impilo imoto noma impahla sabanye abantu. Okungukuthi, ngokungalungile, ngemcondvo, kufanele akhokhe inkampani yomshuwalense (IC). Endabeni "oboyudki" lapho bobabili baba necala umshayeli, inani MTPL izinkokhelo ngesikhathi kwehla ingozi yomgwaqo incike ngubani ngaphezulu okumele kusolwe ngokushona ingozi futhi owahlupheka umonakalo kancane. Ngokuvamile, lezi zinkinga zidingidwa ezinkantolo.

umthetho

Ngo-September 1, 2014 ukukhokha esiphezulu CTP ngesikhathi kwehla ingozi yomgwaqo, evroprotokol ehlotshisiwe (ngaphandle iqhaza amaphoyisa womgwaqo), likhule laba ngu-400 eziyinkulungwane. Deda. isinxephezelo obukhulu izingxenye bakhathale 50%. Faka isicelo isinxephezelo isisulu kungaba e-IC yayo. Isinqumo ukuba babanikele ezingu-20 wokusebenza ngemva kokuthola isicelo. Enye amahlanu abe ikhasimende kabusha ukwelashwa uma kuyinto unganeme yi odlule.

On 01.01.2014 I Bank of Russia uye wavumela nabanikazi bezimoto ukuba ingenzele ingozi emgwaqeni evroprotokol, ngisho noma lowo muntu sikebhe noma DSAGO. Kulokhu, UK akanayo ilungelo ukucela imibhalo ezengeziwe ezivela ikhasimende. Ukubuyisela imali isikhathi ayikwazi ukudlula lemali eshiwo inkontileka. Ngenxa yokwephula imithetho yenkampani kuyodingeka bakhokhe inhlawulo elingana no-1% lemali.

Ngo-October 1, 2014 ukukhokha esiphezulu CTP kule ngozi ngoba ukulimala imoto luyanda ayizinkulungwane 400. Hlikihla. Gqoka umkhawulo kuyehla kube 50%. Kodwa ukuthola lolu isinxephezelo iklayenti uzodinga ngaphezu kwalokho ukunikeza isithombe noma ividiyo, okuyinto eyenziwa ngezindlela lobuchwepheshe, amadivayisi nge GLONASS nezinye navigation systems.

Ukunqaba ukukhokhela

Umthetho alinikezi isinxephezelo uma:

• Beshayela wayengumuntu awucacisiwe kwinqubomgomo.
• Ukulimala zazibangelwa izimpahla eziyingozi.
• umonakalo Zokuziphatha azitholakali Inqubomgomo avtograzhdanki bebonke.
• Umonakalo ngenxa yezemidlalo noma imisebenzi ukuqeqeshwa, uma isephulamthetho kwaba endaweni wahlomisa ngokukhethekile.
• Inani yokukhokha idlula umkhawulo.

Ngaphezu kwalokho, kukhona amacala lapho umonakalo ngesikhathi kwehla ingozi yomgwaqo (CTP) kwenziwe, kodwa umshuwalense izidingo ekuhlehleni esithi:

• Uma ukulimala kwabangelwa ngumuntu uninsured.
• Uma umshayeli Yayingalungile.
• Ngesikhathi kwenzeka le ngozi, inkontileka umshwalense uye engenzanga.
• Uma isigebengu esecela empunzini yengozi.
• Umshayeli sisesimweni lokudakwa oludakayo, ezinobuthi noma isidakamizwa.

Umonakalo idlula umkhawulo we isikweletu

Naphezu kwalezi zinguquko kule nomthetho, ekhona ngesikhathi usuku nokukhokhwa CTP kule ngozi ngeke bakwazi ukuzivumelanisa nalolu ukukhanda izimoto kanokusho yakwelinye izwe. Ngisho noma abanikazi izimoto "cool" uzothola ukukhokhelwa ngaphansi kwalesi sikebhe, inkampani yomshuwalense isazoqhubeka push funa ekuhlehleni isigebengu. izenzakalo esazotholakala e zimo ezinjalo.

1. Yini eyayibangele lokho kungalungiswa njalo inselele kwabamangali lemali edingekayo luhlolo ezengeziwe. Ngokuvamile, inkantolo ithatha ukubala entsha. Kodwa akulona njalo kungenzeka ukuba "knock off" afika ku-400 eziyinkulungwane. Hlikihla. - umkhawulo, okuyinto imbozwe enkampanini yomshuwalense. Kodwa uma isisulu kwaba imoto ngaphansi kwesiqinisekiso ke inselelo inani umonakalo kungaba nzima kakhulu.

2. Ngezinye izikhathi udinga ukuya isivumelwane sabo. Isibonelo, uma inani umonakalo idlula ayizinkulungwane 400. Hlikihla., Yini eyayibangele lokho ulivumile iphutha lakhe, ukulungele isinxephezelo umonakalo, kodwa hhayi ngokushesha, kodwa izingxenye. Ukuya enkantolo kuzokhulisa yizindleko ummangali, kodwa omunye umphumela ngeke nilingenise.

3. Uma isisulu ingenye futhi ezimbili lesimbi, isisulu singase ibalwe kabili inani isinxephezelo, njengoba imingcele engokomthetho ngokulinganayo basakaza ngenqubomgomo ngamunye.

umshwalense yokuzithandela

Uma inani CTP yokukhokha ayinayo yokuhlangabezana nazo zonke izindleko ze-party abalimele, kungenziwa wakhipha DSAGO inqubomgomo. Intengo Ezazimzungezile - ruble ecishe ibe yizinkulungwane 1 .. Sebenzisa-ke phezu amanani ezingenziwanga inxephezelwa avtograzhdanki evamile. I enamathela kungenzeka engafinyelela kwengu-1 million.

ngu-CTP ibangelwa ingozi Izinkokhelo

Kunezimo lapho umshayeli efanayo ubuye umqalisi yengozi kanye izisulu. Ngokwesibonelo, uma izimoto ezimbalwa ingozi. Khona-ke umshwalense ubophekile isinxephezeliso umonakalo owenziwe omunye umuntu, kanti lowo ithole umshayeli.

Kodwa uma inkampani enquma ukulwela imali yabo (futhi kuyenzeka 90% amacala), khona-ke umbuzo kuyonqunywa enkantolo. Uma uphenyo uyokwambulwa ezimbili Corpus delicti, umshayeli uzokhokha kuphela njengoba isisulu. Ukuze le ngozi atjengisa ngazo bona gade icala, isinxephezelo ngeke. Kodwa uma Inkantolo izobheka kunjalo njengoba ingozi eyodwa, bese imali iyokhokhwa ngokuvumelana nezindinganiso uhlelo CTP.

Sokukhokha isamba - enye impikiswano. Ekusebenteni, kunezikhathi lapho isoni ngokwakho ukukhokha isinxephezelo isisulu, bese imibhalo eqoqwe (ingozi scheme, isitifiketi kusukela amaphoyisa omgwaqo, imiphumela luhlolo ne ukuhlolwa komonakalo) futhi iphathwa e-UK. Umthetho alinikezi isinxephezelo izinkokhelo ephelele kakade. Ngakho-ke, ezimweni ezinje kufanele njalo wenqaba. isinxephezelo zokuzithandela umonakalo - uphiko siqu isigebengu.

Yengozi: yini okufanele uyenze?

Ukuze uqale, zama ukwehlisa umoya, kuhlanganise "eziphuthumayo gang", wavala injini bese uthole ukuphuma emotweni. Uma kukhona bayalimala, ngokuthi "fast", shayela amaphoyisa omgwaqo kanye yomshuwalense. Zama ukuthola ofakazi ingozi, ukuthatha imininingwane yabo yokuxhumana kanye izinkomba.

Akunakusetshenziswa musa ukuthutha imoto ngaphambi kokufika omgwaqo. Thatha izithombe yesehlakalo ocingweni engele ezahlukene okungenani ezine (izithombe ezimbalwa). Zama ukugcina shot hit mshini umgwaqo nezibonakaliso.

Kuze kube manje, ulindele ifomu nophenyo ngalesi sigameko bese isitatimende mayelana ngengozi CTP. Ukwelashwa nezikhathi ngemva kwengozi kulawulwa inkontileka. Njengoba nje uhlobo isaziso (ngokubhala, ngocingo, nge-fax, nokunye. D.).

Lapho befika kule ndawo, traffic amaphoyisa amatasa uchuvstvuyte zonke izincazelo. Chaza ngokuningiliziwe le ngozi yenzeke kanjani. Qiniseka ukuthi yesehlakalo wesifunda ngasondelana ngokulungile. Uma isigebengu - wena, zama ukunikeza abanye ezidinga ngibonelele: isimo esibi kwemigwaqo, ephukile Ilobhothi, ukungabi bikho kokukhanya yomdwebo, ukubonakala elinganiselwe. Futhi siqiniseke ukuba sifake ucacise ukuthi le ngozi akwenzekanga ngenhloso. Musa senqabe ngihlolwa ukucacisa amponjwana.

Ngena protocol kuphela uma uvumelana nazo zonke izimo ebekwe lapho.

Imibhalo izinkampani umshwalense

• isitatimende yengozi;
• Ingemuva traffic;
• inkontileka umshwalense;
• isitifiketi sokubhaliswa imoto;
• ilayisense yokushayela;
• iphasiphothi ka kwesamba;
• isitifiketi INN isabelo;
• amandla ommeli, uma isondo kwakungelona umnikazi imoto.

Yini ekukhokhweni CTP luzoqala, ke izonqunywa kuhlolisiswa. Ngakho-ke, ukuze bathole imali evela UK ukulungisa imoto, bekwenza ngezindleko zabo is hhayi Kunconywa. Ngaphansi komthetho, inkampani ezingu-20 ukuba benze isinqumo. Ngaphezu isinxephezelo yemali, zingenza yokukhokha amagalaji ukutakula imoto. Phezu kokuthola izindawo wokulungisa iklayenti kuqinisekisa ukuthi kungenzeka ukwanda ngokuya ukugcwaliseka izibopho yinkampani.

Uma kwesamba alivumelani lemali akhethiwe isinxephezelo kanye nekhwalithi umsebenzi wokulungisa, yena ungadlala isinqumo. Ukuze wenze lokhu ngesikhathi lemfisha kungenzeka ukuba afeze kokuxilongwa ezizimele (kuyatuseka ukuthi wayekhona ku isephulamthetho yengozi), ukuthola umbono bese elisa kulowo inkampani nge isitatimende entsha. Uma kuleli cala UK enqaba isinxephezeliso izimoto, udinga ukuya enkantolo.

isiphetho

Bonke abanikazi imoto kumelwe nakanjani babe inqubomgomo of icala umshwalense, okuyinto ivala isikhala umonakalo ngezinto ezithile noma ukwenzelwa eyabangelwa umshayeli wesithathu. Kusukela ngo-September 2014 ukuthatha nomphumela izinguquko zomthetho, okuyinto MTPL izinkokhelo ezingozini zomgwaqo lenyuka izinkulungwane 400. Hlikihla. kungakhathaliseki inani ebandakanyeke kuleyo ngozi. Imigomo imibhalo inkontileka ihanjiswa. Thanda lesaziso: .. Lapho ebhalela, ngocingo, njll Eqinisweni ekuthathweni e-UK kukhona ezingu-20. Yonke imibuzo futhi izingxabano ziyaxazululwa ekuqaleni wedwa, bese ngokusebenzisa inkantolo.