Ingabe uma umshwalense MTPL MSC? Uyini Umshuwalense MSC?

Kanye injabulo ukuthenga imoto futhi eze nemithwalo yemfanelo emisha. Ikakhulukazi, isidingo ukuthathelwa umshuwalense motor inkampani yangaphandle isithiyo. Wonke umuntu uyazi ukuthi le ngozi ubuyisela inkampani ukuthi ithengiswe inqubomgomo. Umbuzo kanjani kukhona izindleko nalokho incike.

Omunye Izingxenye ezisemqoka umshuwalense MSC. Akunjalo kudala kwakukhona ulwazi sahoxiswa e Rosgosstrakh. Ingabe kuyiqiniso lokhu? Thina ngani kulesi sihloko.

KBM: kulungiswa eside

KBM - lokho efihlekile ngemuva isifinyezo? Lokhu okuthiwa ibhonasi-malus Coefficient, okuyinto incike ubude umshayeli futhi isibalo zomgwaqo kwenzekeni kuye. Lokhu kuyinsakavukela kuyinto othile kungase kubonakale engadingekile. Nokho, injongo yayo iwukuhlola ukhuthaze abashayeli bashayele ngokucophelela. Phela, ngaphandle izingozi kanye nokulungisa akudingeki akhokhe ubani. Futhi ngaphandle kokulahleka inzuzo inkampani yomshuwalense kuzokhulisa kuphela.

Ukuze uqonde kangcono okushiwo MSC - lokho lisho le ndlela, ucabanga ngakho ngokwanele ethi "ibhonasi-malus". Sikhuluma umvuzo, okuyinto uncika ngokushayela ngaphandle kwezincwadi izingozi. I-CTP ibhonasi ka-5% ngonyaka ka-ukushayela ingozi-free ngamunye.

Kodwa nawu umbuzo kule incazelo nomqondo MSC okwengeziwe: yini "malus"? Uma umnikazi inqubomgomo MTPL uthola emotweni yakhe ngesikhathi kwehla ingozi yomgwaqo, okuyinto ibangelwa, isaphulelo ikhanseliwe noma encishisiwe. Kodwa uma ingozi kwakungelona iphutha lakho, ke ngeke kuthinte izindleko zomshuwalense ngonyaka ozayo. Lesi simo inakekelwa ngisho nalapho ingozi ukuba ingenzele ngaphandle iqhaza omgwaqo.

Isizathu esenza kulokhu ayishintshi intengo, silula - umshwalense CTP kungumsebenzi, awuwona ngempela umshini. Futhi, yebo, kuphela onecala.

Uma ushintsha inkampani uma MSC siyashintsha?

Ngo MTPL umshwalense yokukhokha - akuwona neze umsebenzi olula. Ucabangela ephelele umshwalense emlandweni umshayeli. Cabanga ngemisebenzi ongakhetha kuyo ezimbalwa ezivamile, njengoba ungabona inombolo yakho.

1. Ngezinye isevisi kwelinye futhi efanayo idatha inkampani yomshuwalense lilondolozwe database sangaphakathi. Khona-ke lapho wenza kungavela isifo esisha Inqubomgomo esibheka futhi uzwakalise izindleko zokugcina.
2. Uma umnikazi imoto ufuna ukushintsha inkampani yomshwalense, ukuze ugcine izaphulelo, kumelwe athumele isitifiketi yileyo nkampani, lapho strahovalsya ngaphambili.
3. Kodwa ngisho noma kungekho usizo, kukhona semininingwane oluzenzekelayo-SAR opharetha, okuyinto igcine ulwazi mayelana nazo zonke izakhamuzi abamukele nezinqubomgomo. Noma kunjalo, kungcono kakhulu ukunquma ukuthi mathupha ukulawula inqubo, ngoba kwenzeka ukuthi idatha UK ungazange enziwe noma yikuphi ukwehluleka ohlelweni.
4. On the website esemthethweni ezinye izinkampani zomshuwalense banikwa isevisi ekhethekile evumela ukubala MSC at umshwalense MTPL. It is a service "Online Calculator". Umshayeli ihlolwe ngesisekelo Russian Union of izinkampani zomshuwalense.
5. Kwenzeka futhi ukuthi abanye SC MSC ebekiwe kule nqubomgomo. Hlola ngokucophelela: azikho amagama phambi umshayeli, noma "amanothi ekhethekile" isici. Nokho, ngenxa yokuthi lolu lwazi akudingeki ziboniswe inqubomgomo, ke sizibhale kanini.
6. Zama ukubiza inkampani yomshuwalense usebenzisa inombolo yocingo ku isitembu inqubomgomo umshwalense. Cela uMnyango CTP futhi bathi uhlose ukuvuselela inkontileka, ngakho ufuna simazi kangcono ekilasini lakhe ngonyaka olandelayo.

Wenzenjani ukubala?

Ngaphambili, MSC lapho umshwalense kuboshelwe imoto ethize. Ngakho-ke, lapho wadayisa imoto, zonke amabhonasi Ziyazisetha. Le ndlela kwaba ngokucacile ungakhululekile futhi ezingenanzuzo. Ngakho-ke, lo ukuthola of amaphutha kwesistimu yayo zishintshile, futhi MSC sasihlotshaniswa umuntu, hhayi emotweni.

Izinkomba MSC umshwalense - uwukuthi sekuhlelwe amakilasi angu-15, ogama amagugu isukela 2,45 kuya 0.5. Iklayenti, owaphenduka enkampanini yomshuwalense okokuqala, wathola ibanga lokuqala futhi izindleko ezijwayelekile.

Minyaka yonke, lapho umshayeli imbangela yengozi akwenzekanga, MSC sinciphile. Okungukuthi, ngonyaka ozayo ngalesi 5% isaphulelo ekilasini kuyoba 4th. Nokho, uma kwenzeka ingozi ngenxa iphutha umnikazi ekilasini CTP is nakanjani kuyehla, kanti izindleko zomshuwalense uzovuka. Izibalo zenziwa etafuleni MSC ekhethekile.

Uma inqubomgomo - abanye abashayeli, ukubala we-MSC esiphezulu omunye wabo. Futhi uma kuhilela ukusetshenziswa imoto, ngaphandle komkhawulo, ukubala kusekelwe bangaki izinkokhelo enziwa ngesikhathi inqubo yangaphambili.

Lutho kodwa iqiniso

Ukwenza CTP, umenzeli ungacela izingozi eziningi kanjani. Yiqiniso, uhlelo ezenzakalelayo - lokhu kuyinto enhle kakhulu, kodwa zonke IC efanayo ngokuvamile uthanda ukudlala ephephile.

Ngokusho imithetho motor ayimpoqo umshwalense TPL akumele zinikele ulwazi olungamanga. Uma kuvela ukuthi okuyimpoqo umshwalense inkontileka ezocatshangelwa ayivumelekile, futhi wachitha imali kuyo ngeke give up. Akukhona ukudalelwa engcono elilindele labo hype kuvela ngemuva kwengozi. Khona-ke inkontileka inqanyuliwe yinkantolo, kanye nokukhokhela kuyodingeka nxephezela umuntu. Futhi lokhu akuyona yonke. Ngokuzayo umshayeli ngizodonsela up umshwalense, intengo ngoba luyokhula ngesigamu, okungukuthi, MSC bayovuka izikhathi 1.5. Ngakho-ke kungcono ungalokothi ukuze akhohlise UK at basayine CTP.

MSC = 1

Kwenzeka ukuthi MSC ingenye. Lokhu kwenzeka kulezi zimo ezilandelayo:

1. Lapho imoto oVikelwe, ngubani kungokwakho nabezizwe (izimoto eRussia ngokuvamile okwesikhashana).
2. Lapho insuring trailer.
3. Ngezinye umshwalense ku-esifushane kakhulu isikhathi.

Overestimation yezindleko umshwalense

Ngezinye izikhathi ukuzama ukuphamba isitha sakho akuyona nje abonakele abanikazi imoto, kodwa bona ngokwabo SK. Sikhuluma izindleko ngokungenangqondo okusezingeni eliphezulu kwenqubomgomo.

Ngokuvamile kuba esikhoselweni okulula MSC. ukubala Standard tingafundziswa Nokho Ukuthokomala, kodwa hhayi ababeyizazi ezindabeni zemishuwalense umshayeli.

Okungukuthi, kuvela ukuthi usayizi ofanayo we-MSC umshwalense okokuqala ayiguquki unyaka nonyaka. Futhi lokho kungaba sina zithinte inani lomshuwalense.

Enye indlela oluvamile olusetshenziswa ejenti - kuyinto ukunqunywa umshwalense ezengeziwe. Ngakho, izindleko Ungakwazi futhi ukwandisa kakhulu. Ngokuvamile ukuphathwa kudinga abasebenzi kulabo ezama ukudayisa ezingadingeki umshwalense amakhasimende.

Yiqiniso, ukuphendula izinto ezinjalo kufanele azimisele. isicelo Okokuqala ukukhipha inqubomgomo ngaphandle iziphakamiso ezingadingekile, futhi uma lokho kwehluleka, bese ukusongela ukuthi ngeke akhononde kuziphathimandla ezifanele. Ezimweni eziningi, okusebenza ngendlela ekholisayo.

Kwenzeka futhi ukuthi ushintsho oluvela kwezinye izinkampani, izinkampani zomshuwalense ukubeka isici ikhasimende - iyunithi.

Qaphela - uma ulahlekelwa MSC yakho, bese yokutakula kuzothatha isikhathi esiningi, futhi nalo wanyamalala, ezezimali.

Indlela ukusindisa imali?

Ngakho, siyowuqonda indlela yokukwenza ukukhokhela inqubomgomo kancane. Nazi izinto ezilandelayo ukubaluleka:

• Coefficient yesiFunda. Sikhuluma umshayeli, ukubhaliswa kabani unomphela esifundazweni noma kuleli zwe. Ngaye, izindleko zomshuwalense kuyoba kakhulu leliphasi kunaleyo wedolobha elikhulu. Izakhamuzi eziningi abanale izihlobo emaphandleni ase-, ukubhalisa imoto kubo futhi ishayelwa emandleni jikelele nommeli.
• Kungcono ukungena inqubomgomo ngabantu abathile ongamenza ukuphathisa imoto kuka ukuthenga umshwalense onemvume ishayelwa emhlabeni. Inketho zokugcina izobiza ezibizayo kakhulu ngaphezulu. Ngaphezu kwalokho, kufanele bahlolisise ngabe MSC izoshintsha for umshwalense ngaphandle kwemingcele.
• Uma ebusika beshayela, ubhekene ngeke ukuhlala phansi, kungcono ukuthenga umshwalense izinyanga ezimbalwa - lapho uhlela ukusebenzisa imoto.

Izinguquko zakamuva e-X-ray umumo womsebenzi

Kusukela ngo-December nyakenye, Russian Union of Auto izinkampani zomshuwalense wasungula inqubo entsha isicelo MSC e umshwalense. Yiziphi lezi zinguquko? I-algorithm liqukethe ukuthi uma pholisi engavumelani amagugu Coefficient edingekayo ukuhlola ukubaluleka SC e-AIS XRD. Endabeni ka iphutha ne esetshenziswa ngomshuwalense osebenza lokho Kwembulwe. Khona-ke Coefficient ngeke acabangele hhayi kuphela kwinqubomgomo, kodwa futhi zonke okwalandela. Buka ithebula.

Izizathu ezingokomthetho

Imibhalo normative elawula uhlelo MSC:

• ku MTPL Mthetho, izihloko 9, 15.
• CTP imithetho, netindzima 20, 35.
• Ukulungiswa Uhulumeni № 739.

Ngaphezu kwalokho, kukhona "ukuqeqeshwa Ithuluzi le-SAR abasebenzi izinkampani umshwalense inombolo 7" enemininingwane.

Case e Rosgosstrakh

Eminyakeni ethile edlule kwelinye yezinkampani ezinkulu umshwalense - Rosgosstrakh, kanye isinqumo futhi MSC at umshwalense MTPL kukhanselwe. Futhi kwaba lula abonakele izinkampani zomshuwalense iphuzu - kwezinye izinkampani kwakungafanele amafomu ayatholakala, ngakho abashayeli kwakudingeka bathenge ku umshwalense Rosgosstrakh ngeqanda ekilasini.

Ngaphezu kwalokho, kwamanye amahhovisi kanye eziphoqelelwe yomshuwalense eyengeziwe, kanye ukudlula ukuhlolwa, ngisho noma ikhadi zokuxilonga zamanje.

Justice ezazifunwa labo avikele amalungelo abo: kulesi simo, isigaba se-MSC. Ingabe ngidinga amangalele? Ukuze eNkantolo, njengoba wazi, kufanele ube isisekelo, esakhiwa ubufakazi ebhaliwe (kusengaphambili kufanele ubhalele zonke izimo ukuthola ngesinqumo sabo olusemthethweni ngokubhala), kanye nofakazi, umsindo, ividiyo kanye nokunye okufana nalokho. Kodwa iningi lalaba imibuzo zingaxazululeka ngaphandle nokuyisa lolu daba enkantolo.

Yiqiniso, izinkampani umshwalense akuzona inzuzo kakhulu ukukhokha isaphulelo ukufika kuma-50% ngenxa elingenazinkinga. Ngakho-ke, abasebenzi iya ku amaqhinga ahlukahlukene ukuze kuhlelwe kabusha. Ngaphezu kwalokho, abanikazi imoto ongakhokhela futhi ngenxa yokukhetha kwaso. Ingani kwamanje abanye abantu alazi mayelana nokuba khona kwamakamu MSC.

Ngakho-ke, uma kwenzeke iphutha futhi MSC yakho zeroed ke ukubuyisela izinyathelo ezilandelayo zithathwe:

• uma iphutha ngemva esingaphansi konyaka, thumela incwadi eya PCA ukuqhuba ukuhlola;
• kumele sihambisane ikhophi izincwadi zokushayela futhi inqubomgomo endala nge-MSC lesifanele;
• Uma impendulo ingucha ngaphezu kwezinyanga ezimbalwa, kufanele uthintane Bank of Russia, lapho izotholwa nge MSC zokubala kabusha evumelekile.

isiphetho

Kusukela sihloko Esakufunda MSC: yini isifinyezo imele, indlela ukunquma lokho kungase kube izinkinga umklamo wawo futhi indlela yokuxazulula kubo. "Waxwayisa - is forearmed" - kahle, lokhu kwenzeka. Ingabe uma umshwalense MTPL KBM namuhla? Yiqiniso. Qaphela lapho ukubeka umshwalense, singavumi ukunqotshwa ukucindezela futhi musa ungenza awudingi "okukhethwa kukho" ezengeziwe, futhi uma sitholakale kokunikezwa kwe-ekubalweni MSC, inselelo futhi kuzuzwe ukusebenza efanele.