Yikuphi uncika isigwebo uma CTP sekwephuzile?

Eminyakeni yamuva, kukhona izikhathi lapho abashayeli nezimoto ngenxa yezizathu ezihlukahlukene, awunaso isikhathi noma ukhohlwe ukuvuselela inqubomgomo MTPL. Nokho, akubona bonke uyazi yini bajeziswe alenzele isihlawulelo, futhi nayo yonke into. Ngemva umshayeli has umshwalense, kodwa eside yayo nje uphelelwe isikhathi ...

inqubomgomo Mayelana sekwephuzile

Kungani amacala ukuthi CTP is sekwephuzile?

Okokuqala kuyafaneleka sici esisodwa esibalulekile futhi abalulekile kule CTP inqubo yokubhaliswa, kunemtselela izindlela izigameko anda ukubambezeleka yayo.

Izizathu eziyinhloko ngokuthatha isikhathi eside okwenzeka nqubomgomo banal umshayeli lokukhohlwa noma isifiso bayazi. Lezi zizathu eyaziwa, kodwa kukhona omunye - nobunzima ekudluliseleni inqubomgomo ngenxa emigqeni omkhulu. Uma ngaphambi umshayeli kwadingeka balinde amahora amathathu, kodwa manje isikhathi sokulinda liye landa izikhathi eziningi, kwakukhona pre-irekhodi ukwelulwa umshwalense, inkathi okungaba izinyanga ezintathu. Iyini imbangela emigqeni? Kulula: emva amazinga umshwalense, kanye nokubuyisela ikhuphuke kakhulu, izinkampani eziningi umshwalense ozama nokwandisa ukusebenza kwabo kanye ukunikeza amakhasimende abo yomshuwalense MTPL umthwalo yomshuwalense impahla noma impilo, isibonelo.

Kungenxa yokuthi lokhu kwaqala ukuvela emigqeni emide kulezo izinkampani zomshuwalense ukuthi musa ukuphoqelela amakhasimende ayo amasevisi angeziwe. Ingxenye isimo wenza sikwazi ukugcina isevisi yokubhaliswa nomshuwalense ngogesi, kodwa iphesenti abantu abathembele izindlela ezifanayo kuze kube manje iphansi.

Ungaphila isikhathi eside kangakanani gibela oluvelele umshwalense MTPL? Sizokwenza ukuqonda.

a non-akukho umqondo

Zonke abashayeli kumele wazi ukuthi into enjalo ayisekho namuhla. Ngokungangabazeki, nokusetshenziswa kwaleli gama ukusetshenziswa ezivamile esivumelana ubheke non-ukwandiswa umshwalense, kodwa inani elingokomthetho into enjalo akubanga kusukela 2009. Kuze kube yileso sikhathi, ke eziqhutshwa umthetho ngawo umshayeli angase ngokusemthethweni ingakapheli inyanga ukuya inqubomgomo, okuyinto yisikhathi. Sekuyisikhathi ukunikeza abashayeli ukukhetha inkampani yomshuwalense kanye isinqumo isidingo ukunweba inqubomgomo. Phakathi nale nkathi, inqubomgomo futhi yayibizwa ngokuthi sekwephuzile, kodwa kwakusekuningi amandla ngokomthetho. DPS akazange Unelungelo isigwebo CTP ngasekupheleni.

Kodwa namuhla kukhona lungelo kusukela ngosuku lokuqala ukubambezeleka, ngoba, ngokuhambisana izichibiyelo yokutholwa ekupheleni ethemini umthetho inqubomgomo elahlekile nobuqiniso bayo zomthetho, futhi eminye imibandela bengekho.

Ngakho-ke, uma CTP sekwephuzile, ungathola enhle ngosuku lokuqala ngemva kokuba iphele ubuqiniso bayo. Ake sibone ukuthi yini izinhlawulo ezibekwe, futhi kwezinye izimo zingasetshenziswa namuhla.

Inhlawulo Inqubomgomo MTPL sekwephuzile

Ngaphambili, kuze 2014, wabekwa esihle jikelele, kanye nobukhulu kwaba ruble 500 ngokuphula afanayo, njengemfundiso ukubambezeleka, ukuntuleka inqubomgomo noma ukungezwakali kwawo ku control isandla imoto umshayeli engesiyo afakwe umshwalense. Ngaphezu kwalokho, okuhle kungaqeda zisetshenziswe izinyathelo ezinzima kakhulu - ungase iyakwenqabela ukusetshenziswa imoto, ukususa izinombolo, ngisho ukuthumela imoto phezu isigwebo yokupaka.

Uma kwenzeka kokuhoxiswa kokuhlelwa izinombolo umshayeli ube nosuku ukuze enze kahle inqubomgomo nibuyisa izinombolo zabo.

Kuze kube manje, njengoba vele sesiyazi, uma CTP sekwephuzile, ukubeka isijeziso. Ukuze usebenzise isigwebo enjalo umshayeli okuthukayo can ngokushesha kusukela ngosuku lokuqala Inqubomgomo kokulibala. Lo myalo imelela ingxenye yokuqala Article №12.37 Ikhodi Administrative, okuyinto ubuyekezwe muva nje - Okthoba 15, 2014. Lezi zichibiyelo sacala kusebenta ngoNovemba 15 2015.

Ingxenye yokuqala yale sihloko sinikeza isijeziso ethile ngokumelene umshayeli uma ushayela nge CTP yisikhathi. It kuvela, ikhodi olusha ayiqukethe welithi "inqubomgomo sekwephuzile", kodwa le ngxenye yomthetho efanele kulesi sihloko.

Yiziphi izijeziso maqondana umshayeli?

Impela wamane, umthetho sihlinzekela inhlawulo ruble 800. Lokho, uma umshayeli wabanjwa, wakhishwa esibhedlela esihle nokukhululwa - akukho nezinye izinhlawulo kungukuthi isicelo. Lo myalo futhi isizathu zokwenqaba ngamabomu yokubhalisa kwenqubomgomo: umshayeli ngubani ikakhulu eshayela phakathi kwezinye izindawo lapho ligada ezingavamile amaphoyisa omgwaqo, izikhathi eziningana ushibhile bejeziselwa CTP ngasekupheleni, kunokuba ukuchitha isizumbulu sokukhishwa umshwalense. Kufanele kuqashelwe ukuthi lo mkhuba kuzuzisa kuphela uma umshayeli uya ngaphandle ingozi.

Manje singakwazi ukuqonda isimo nge emihle. Kodwa ake ukubhekana umbuzo lapho kuphakama kaningi: kukangaki ngosuku DPS umhloli angaphelekezelwa kahle umshayeli uma CTP sekwephuzile?

Lo mbuzo akunakubangelwa ukungaqondani isigaba - lokhu kwenzeka, ukuthi ngokuya nge-Athikili №4.1 isimangalo 5 Administrative Ikhodi DPS empeleni ungakwazi akangajeziswa umshayeli izikhathi ezimbalwa ukuthi icala elifanayo. Lokhu ukudideka sahlanganisa yokuthi ithuba sahoxiswa emini ukuthuthela izinombolo kuhoxiswe - kulesi simo, nenhlawulo eziphoqelelwe ungaphindi.

Kodwa namuhla isimo sesishintshile: inhlawulo sekwephuzile umshwalense CTP nalokuvalelwa noma nini kuyiqiniso ukubambezeleka yakhe. Lokhu kusho lokhu okulandelayo: kuwukwephula esinjalo esichazwa njengesono esiphambene imoto elawulwa emigwaqeni yomphakathi ngokungabi bikho umshwalense CTP. Lokhu amalungiselelo ezimbili ezibalulekile:

• Kuvele umshwalense aphelelwe yisikhathi akulona uhlobo ahlukene lokucasula futhi akhiwa ukuntula ukuphepha ngaso sonke.

• Ngoba yilowo Eqinisweni Kutholwe ukuhamba ngaphandle MTPL uncika isigwebo ehlukile.

It kuvela ukuthi inhlawulo uzobe eziphoqelelwe hhayi ngenxa yokuntuleka inqubomgomo noma ukubambezeleka, futhi kakhulu ukuhamba emigwaqweni ngaphandle inqubomgomo. Okusho ukuthi, uma ungayisebenzisi imigwaqo langempela, futhi inqubomgomo noma yini.

Ngakho, ngaso sonke isikhathi uma zibanjwa endleleni ngaphandle inqubomgomo, kuyinto eyenzeka ezimele ahlukene ukoniwa nesijeziso isikhathi ngasinye iyohlukanisa - ruble 800 uma bamba ngamunye. Kazi nibona, bese kungenziwa yahlawulisa umsebenzi ofanayo MRF, uma kwenzeka. Futhi lokho kukhona inhlawulo CTP ngasekupheleni for nezinhlangano ezingokomthetho?

Izinhlawulo kwenqubomgomo sekwephuzile for nezinhlangano ezingokomthetho

Ngenxa yalokhu umthetho kwezikweleti ngokugcwele. Inkinga iwukuthi abantu zomthetho kokuba siqu ezokuthutha yabo yenkampani, ukhululekile ukuba azinqumele ku isidingo imoto umshwalense (ngamunye).

Nokho, umthwalo wonke amacala axhumene ne umshwalense, nje umshayeli, hhayi umqashi iyinhlangano esemthethweni. Hhayi wesifunda ngempela okunengqondo, yebo.

It kuvela ukuthi inhlawulo umshwalense sekwephuzile uzobe onikezwe izisebenzi ababeqashwe engokomthetho. Kulokhu, singakwazi kuphela ukunikeza iseluleko esithile kubashayeli ezikhokhelwayo:

1. Kuyadingeka uzikhumbuza umqashi wakho esifanelana usuku lokuphelelwa isikhathi yomshuwalense. Futhi ukukwenza kangcono kusengaphambili - cishe izinyanga ezintathu ngaphambi eside esinqunyiwe.

2. Uma kufanele ukhokhe izinhlawulo umqashi budedengu, unelungelo ukuba zitshele isinxephezelo ezifanele. Uma enqaba isinxephezeliso lokhu, umbuzo kungaba ixazululwe noma nge isimangalo owandulela ukuqulwa kwecala, noma esebenzisa sezinxephezelo ezinkantolo. Kungenzeka yini ukuba CTP sekwephuzile futhi singalahlekelwa izinombolo? On lokhu kamuva.

Ukuhoxiswa nokululama amakamelo ngesikhathi isigwebo yokupaka

Ngokuvamile kuvela umbuzo oda: Ingabe DPS abahloli owayenelungelo elingokomthetho lokubuthola ukuqasha amakamelo umshwalense imoto ngoba sekwephuzile noma kuphunywe ngaleso iphawundi imoto?

Umthetho iyaphendula ngokungananazi: cha, abahloli abanalo ilungelo elinjalo.

Ngaphezu kwakho konke, i-kakade, kodwa ngaphambi kwalokho waba lungelo. It kukhanselwe ekuqedeni №27.13 sihloko kweKhodi Administrative, okuyinto ezilungisiwe izenzo nabashayeli isijeziso cala. umthetho ochithwa sivimbela ukusetshenziswa imoto.

Muva nje, umshayeli okuthwala esingenamkhawulo ukuthi amakhophi izinombolo isimo. Kule ndaba, isilinganiso elihlobene ne ukuhoxiswa izinombolo, walahlekelwa incazelo yayo. Parallel kule sahoxiswa futhi kuhlengwe izimoto emile ku ebhokisini, okuyinto wayeke wayekwenza abahloli DPS. Kufanele uvume ukuthi akusona isijeziso ncamashi ezilinganiselwe sokubahlonipha aphelelwe yisikhathi umshwalense CTP. Ngenhlanhla, lezi zinyathelo kukhona esikhathini esidlule, futhi manje umshayeli kukhanye kahle.

Nge lolo shintsho, ngokuthinta CAO, kungaba kubhekwe omuhle.

Imiphumela ingozi ngesikhathi CTP sekwephuzile

isikhathi esingakanani uya futhi ukuthi kusho ukuthini lokho?

Uma ingozi kwakho iqhaza futhi umshwalense lakho liphelelwe yisikhathi, nezinhlinzeko esihle ruble 800 kuyodingeka bakhokhe noma kunjalo, futhi isiphambeko sakho noma ubumsulwa kuso akuphazamisi.

Uma uzithola ngesikhathi kwehla ingozi yomgwaqo lowo ophathwe kabuhlungu, umbuzo umonakalo isinqumo yonke indlela phansi wena. Kungenzeka ukuxazulula on the spot, e-pre-trial noma enkantolo.

Uma ngesikhathi kwehla ingozi yomgwaqo iphutha lakho, khona-ke lonke inani izindleko ukuze sivale lapho sisilela iqembu elimele kuyokwehlela phezu kwakho. Kungase kudingeke ukuba ukhokhe noma kunjalo, njengoba ifayela kuwe ikani enkantolo futhi isisulu, kanye nenkampani yakhe umshwalense.

Kungenzeka yini ukuba ugweme ukuhlawuliswa kwenqubomgomo ngasekupheleni MTPL?

Ngezinye izikhathi kuyenzeka ukuthi abashayeli uyazibuza mayelana nokwenzeka ukugwema inhlawulo Inqubomgomo sekwephuzile.

Kungase kubonakale kungavamile ukuthi leli thuba elihle kangaka! Kodwa kubalulekile ukuba acabangele ukuthi lesi senzo usebenza kuphela uma pre-umshayeli ukuze ulungiselele "bamba" kubuza lesi sikhulu ka amaphoyisa omgwaqo, okungase kwenzeke. Esinye isimo okubalulekile khona omunye umshayeli beshayela imoto yakho.

Yini okudingeka uyenze? Uzodinga ukwenza ukuba umuntu amandla okulula nommeli ukulawula imoto, wafaka le umuntu beshayela imoto yakho futhi ukushayela ngokuphepha naye mayelana nebhizinisi lakhe. Kulokhu, akukho ukumesaba isigwebo.

Kuyaphawuleka ukuthi uma ezibanjwa ukushayela amaphoyisa omgwaqo, ummeli ngeke udlale indima, futhi kufanele ngikhokhe inhlawulo. Asizwise lokhu, yini catch, futhi kungani lokhu kungenzeka.

Lokhu kwenzelwa ukuthi, ngokuhambisana nomthetho ku ayimpoqo umshwalense motor TPL, khona amandla ommeli ukuphatha ngokuba umuntu onikezwe amandla ommeli esibhedlela, iqalise ngokuzenzakalela ukuvela umthetho wamalungelo angokomthetho kobunikazi imoto. Futhi lokhu, esikhundleni salokho, kunikeza ithuba izinsuku 10 ukulawula imoto ngaphandle umshwalense.

Okubalulekile! Kulokhu, uma uyeka umhloli amaphoyisa omgwaqo ngesikhathi beshayela kufanele kube ncamashi trustee, ne kakhulu amandla ummeli futhi isitifiketi sokubhaliswa kufanele zingagcinwa trustee.

Isimo phesheya

Yiziphi izinhlawulo Inqubomgomo ngasekupheleni MTPL zinikezwa kwamanye amazwe?

Uma siqhathanisa eRussia nakwamanye amazwe, isijeziso inhlawulo ruble 800 - trifle.

Ngokwesibonelo, emazweni EU umthetho ezifanayo umshayeli ukhokhe ama-euro angu-300 kuya 700, futhi kwezinye izimo kungenzeka futhi ilayisensi ukumiswa.

isigwebo okunjalo ku Ukraine eduze futhi abampofu kakhulu cishe 425-850 hryvnia, okuyinto kunalelo esihle Russian.

idatha zisikisela khona ukuthi singalindela omunye kwentengo. Nokho, lapho buyekeza esilandelayo izinhlawulo is ayikaziwa.

Amacebo eziwusizo

Akubalulekile uyephuza lokukhokha inhlawulo. Uma kumelwe bakhokhe zingakapheli izinsuku 20 emva ukunqunywa isaphulelo 50%. Futhi uma dodgers, ungabese ingasetshenziswa ezinye izinyathelo zokuvimbela, ezifana avelelwe zokuphatha izinsuku ezingu-15, noma ukuqashwa kukaNksz amahora 50 yokufeza inkonzo yomphakathi.

Akubalulekile ukuba abahloli luhlaza DPS, uma ubhala inhlawulo isibopho sezomthetho sekwephuzile ithuluzi umshwalense. Ngalesi sikhathi azikho ezidinga ngibonelele ngokwemvelo, ngakho umhloli kufanele nje ukubhala inhlawulo, hhayi ukukhipha isexwayiso.

isiphetho

siyaqonda manje ukuthi eqinisweni ukuthini elithi "umshuwalense sekwephuzile" futhi efanelekela ukuhlukumeza elinesijeziso kunjalo nanamuhla. Banikezwe akulesi sihloko, ungakwazi kalula unqume ukuthi kufanele yini ukuhambisa imoto yakhe ebukhoneni inqubomgomo yisikhathi. Lokhu kuzokuvumela ukuba athathe izinyathelo ezidingekayo kusengaphambili. Futhi elinye icebiso: musa skimp on umshwalense ayimpoqo. It ngempela wanikeza abantu ukusiza ukuhlela nokuphepha sezimoto emigwaqweni futhi ngokwenzuzo yaso sonke.

Futhi uma sekwephuzile umshwalense MTPL manje kungenziwa ikhishwe inthanethi. Iyashesha futhi ayibizi kakhulu. Ngenxa yokuthi intuthuko akemi namanje, njalo ngcono amasevisi. Manje imoto kungenziwa oVikelwe ngendlela esifike ngesikhathi, ngaphandle kokushiya ekhaya.