Umshwalense Imoto: izinhlobo kanye ukungezwani kwawo

Umshwalense we izimoto zingahlukaniswa zibe amaqembu amaningana. Lokhu kungenxa yokuthi kube nesisekelo esingokomthetho yesithakazelo insurable kungaba ubunikazi noma ukusebenzisa imoto, futhi okuvela isiphi isibopho umuntu ogama impahla izithakazelo, ukuphila noma impilo iye yokulinyazwa.

Kungaba kubhekwe izinkomba eyinhloko umshwalense motor kanje:

• umshwalense izimoto;

• umthwalo abanikazi;

• Ngokugwala ingozi kokubili kubanikazi abebephakathi.

Okuvame kakhulu ongakhetha - umshwalense:

- izimoto, ukuvikela izintshisekelo zabanikazi abafanele elihlobene ne imoto uqobo;

- kuhilele ecaleni elimayelana nezakhamuzi, uvikela amalungelo umsebenzisi izimangalo iqembu elimele.

Ngaphambi kukaJulayi 1, 2003 ku umshwalense imoto Russian yokuzithandela. Namuhla, icala yabo yombango eyathatha ubophekile ukuba ukuthathelwa umshuwalense noma yimuphi umnikazi imoto. Umthetho olufanele kwavunyelwana alimaze ukuba izisulu, ukuphila kwabo, impilo noma impahla isisulu sasiqinisekiswe elizobuyiselwa. Manje bonke abanikazi imoto akhokhe premium umshwalense kanye nenqubomgomo, ngaphandle kwale dokhumenti ingasetshenziswa imoto ensimini ka WaseRussia cha. izindleko inqubomgomo incike ubude ukunemba umshayeli, ngakho umshayeli nentshisekelo yezimali ukuphepha emgwaqeni.

umshwalense Car kungathatha indawo ngaphansi kwale mibandela, okuhlanganisa izinhlobo ezahlukene izingozi.

1. "Auto CASCO". Emkhakheni focus yalolu hlobo umshwalense ukuwa izingozi, imililo, izinhlekelele zemvelo, ukweba, ukuntshontshwa izingxenye, ukulwa ingilazi, ezintweni eziwayo. Isithakazelo ingaphinda enwetshiwe ukuze imishini ezengeziwe, okuyinto efakwe kule moto kuyingxenye yalo ebalulekile. Izimali ku "Auto CASCO" ukuze imisebenzi yasekhaya auto umkhakha iningi izinkampani okwamanje isukela 5 kuya kumaphesenti angu-13 yenani abekiwe imoto noma ethize isamba oVikelwe. Uma yokuzithandela umshwalense imoto ikhishwa ku imoto yakwelinye izwe, inkokhelo angavuka ukuba amaphesenti angu-18 intengo imoto entsha.

2. "Avtokombi". Lokhu kuhlanganisa uhla okubanzi izingozi ezingaba kuphela ohlangene nokuqhutshwa wemoto. OVikelwe ukulahlekelwa ibuyiselwe, eyayibonakala obangelwe ukungamethembi umuntu noma ukulimala imoto kubangelwa yiluphi uhlobo ukulimala ezimpilweni nasekuphileni izisulu noma impahla yabo ngesikhathi ukusetshenziswa imoto. Futhi ezingeni yomshuwalense "izithakazelo avtokombi 'zihlanganisa umonakalo owenziwe abagibeli kanye nomshayeli, ukulimala wemithwalo noma ezinye izinto kuleli gumbi. Nokho ukhona, ukubhuka ukuthi umshwalense umthwalo awubhekene noma kwakudala esiyingqayizivele, ubucwebe ezenziwe amatshe ayigugu, amatshe lulwimi eziyigugu kakhulu futhi esiyigugu, izinto ezikhulekelwayo, iqoqo, imibhalo, imidwebo, izibambiso, imali, imibhalo nezithombe. It akusebenzi siqu wemithwalo izinto akuwona awakho ozala kwesamba noma wawuhloselwe ukudayiswa.

3. Yimaphi umshwalense. Lolu hlobo lwe-umshwalense senziwa ngokuhambisana nomthetho omusha Russian ku ayimpoqo yomshuwalense yimaphi nabanikazi bezimoto. Ukuze izakhamuzi Russian lolu hlobo umshwalense uyisidingo, kanye izakhamuzi zakwamanye amazwe abahlala eRussia. Ingabe umthwalo ematheni umonakalo odalwe isakhiwo umshayeli kanye ezimpilweni nasekuphileni kwabantu engozini yemoto.

4. Umshwalense ngokumelene izingozi ehlukahlukene, igama lesibili - umshwalense izihlalo. kuncike lakhe ukuphila nempilo abebephakathi. Inkontileka noma indawo kohlelo (umshwalense imali kunqunywa for isihlalo ngasinye kule moto) noma uhlelo yinhlama (lazo zonke imoto). Ukunikeza ikhokhwe uma ukufa kwenzeka, ukukhubazeka noma ukungakwazi ka ezingaphezulu kwezingu-4 kule ngozi.