Ukwenza CTP inkontileka, abashayeli abaningi bheka it njengoba isidingo, hhayi njengoba umshwalense, hhayi ngempela ilindele ukuthola imali uma umcimbi insured. Lokhu kungenxa kakhulu ngenxa yokholo ezimbi izinkampani umshwalense ngabanye yokwenqaba amaklayenti kwezinkokhelo noma zonke izindlela okuyinto ukunciphisa ukuba inani eliphansi.
Ngeshwa, kukhona amacala lapho iklayenti osebenza ngaphansi kwale pholisi avtograzhdanki kuthiwa ibuyiselwe ngezinye izikhathi ngaphansi kuka izindleko ukulungisa imoto. Ngezindlela eziningi, lokhu kunomthelela ukubala bafake izinkampani umshwalense MTPL esetshenziswa ngokufanele. Ngaphansi komthetho olukhona, izinkampani zomshuwalense Unelungelo afeze ekubalweni ukwehla ku CTP ukuze ayidluli izikhathi 0.8 izindleko izingxenye ezintsha. Ngakho, kuvela ukuthi ngomshuwalense unelungelo ukukhokha% 20 kuphela ukubaluleka zazo zangempela, futhi lokhu abazama acabangele bafake kwamangqamuzana kuya esiphezulu.
Nokho, uma umthetho ku ayimpoqo motor TPL ukufunda ngokucophelela (ngokwezinga lapho kuchazwa CTP bafake ukubala), kuvela ukuthi izinkampani zomshuwalense asiwazi njalo ilungelo ukusebenzisa amazinga esiphezulu. Ikakhulu, i-rate kuzoncika emingaki imoto oVikelwe, ezweni lapho kwenziwa, futhi akuzange kushintshe ngabe ezilimele ingxenye phambi (in the mBhalo, ukubala ukwehla ngoba MTPL imininingwane eqondile eyenziwe umbono ubudala bakhe, hhayi engu-imoto).
Ngaphezu kwalokho, umthetho unikeza ukuthi izingxenye ezithile zikhokhelwa ngaphandle kokubheka kwentengo. Uma sibalo isinxephezelo izinkampani zomshuwalense ungazange kubhekwe lo mthetho, kuvela abasephula umthetho, futhi iklayenti ilungelo ledzinga wenkokhelo okukhulu enkantolo.
izinkampani budedengu kakhulu umshwalense ukujabulela yokuthi amakhasimende abo abangalwazi umthetho ku ayimpoqo umshwalense motor TPL futhi akudingeki amathuba ukufunda ngokucophelela. Uma iklayenti, kokuba bazijwayeze ukubala umonakalo, sizobonisa ulwazi lwabo futhi ucele kungasiphi isisekelo high enjalo lasetshenziswa izinga zokuguga, kungenzeka ukuthi inkampani yomshuwalense ngeke ngikulandise umbango futhi amazwi ezingadingekile. Ngakho, uma uxhumane inkampani yomshuwalense ukuthi iklayenti liziphathe kangcono emkhakheni yomshuwalense onguchwepheshe, ngisho noma leli qiniso akulona iqiniso.
Lapho ekhetha inkampani yomshwalense, ngisho sokubhalisa umshwalense saziso kufanele sisekelwe hhayi tariff ubuncane (manje esizeni cishe kunoma iyiphi inkampani yomshwalense abe wokubala ekhethekile evumela ukuthi amakhasimende ukubala yomshuwalense auto bebodwa) nokukala yenkampani, izibuyekezo zamakhasimende kanye nakho kwabo siqu. Uma ukhetha umnikezeli womshwalense wesikhathi obuhle idumela okuqinile, okuyinto bayawazisa amakhasimende abo futhi ukwehla ukubala CTP kuyoba kahle futhi ngokomthetho. Kulokhu, lo iklayenti angakwazi angahlushwa yisiphazamiso, akhululeke ukuthi yena akakhohliswanga ekubaleni umonakalo, kodwa namanje balahlekelwa siqaphile - isheke kangcono ukuthi ukubhala esiphelweni, ngaphambi ukusayina. Ukuqapha iklayenti neze kubuhlungu, ikakhulukazi uma kuziwa ezindabeni zezimali, ezifana irisidi yokukhokha umshwalense.