Ithengwa kanjani i-CTP ngaphandle umshuwalense wokuphila?

Muva izikhalazo Russian mayelana nezinkampani ezithengisa nomshuwalense avtograzhdanki. Thenga CTP ngaphandle umshuwalense wokuphila cishe kungenakwenzeka. Ngaphezu kwalokho, ukuthi ngo-Okthoba 2014 Central Bank useshintshe tariff, ngoba izinkampani zomshuwalense namanje senqabe ukuthengisa inqubomgomo ahlanzekile. Kanjani ukuba ngibe kulesi simo?

Ingqikithi inkinga

Ubude eRussia kukhona izinkampani zomshuwalense 104 ukuthi amalayisensi okudayisa CTP. Ingabe kufanele ngingene yomshwalense ngesikhathi sokubhaliswa sokungenela le nkonzo? Ngaphansi komthetho - akukho. Noma kunjalo, ukuthenga inqubomgomo "ngamasondo" akunakwenzeka. Ngokuvamile, izisebenzi ubheke yokuntuleka amafomu. Lokhu impikiswano ngokushesha ukwenqaba e PCA: nezinkinga imibhalo ngomshuwalense akusho futhi awukwazi. Ezinye izinkampani ungenzi out inqubomgomo okumsulwa ngaphandle aphoyintimenti, konke ozobakhona izinyanga ezimbili kuya kwezintathu. Njengoba indlela yokuphuma isimo, ukunikela ukuthenga nomshuwalense eziningana ngokushesha. Izindleko kukhuphuke ngo izikhathi 2-2.5. Lesi simo engenzi ivumelane amaRashiya amaningi. Nakuba abanye uyavumelana overpay eyizinkulungwane ezimbalwa, hhayi emgqeni ukwamukela ifomu.

isizathu

Ukwenqena mayelana tys.davat CTP ngaphandle umshuwalense wokuphila awavelanga aphume okwesibhakabhaka. Lesi sinqumo utshelwa umonakalo ezivele ngenxa isandiso yomthetho endabeni yokuvikela emakethe umshwalense. Isibalo sezikhungo amakhasimende Angenelisekile enkantolo. I inzuzo yezinkampani uwile ngokucijile.

Imiphumela yezimali

Ngokwe-Russian Union of izinkampani zomshuwalense, ngo-2014, izinkampani 102 eqoqwe amaphrimiyamu for motor ayimpoqo umshwalense TPL e inani 150 bhiliyoni 292 ayizinkulungwane. Ruble, okuyinto 11.2% ngaphezu ngo-2013. izinkokhelo Phakathi nesikhathi esifanayo zaba 88, ruble 816 billion. indima ebalulekile kuleli kukhala ngenxa yokwanda amazinga Central Bank. Ngakho, kusukela 10.01.2014, izindleko ubuncane umshwalense CTP kuyinto ruble 2440 futhi esiphezulu - ruble 2574. Isamba se-izinkokhelo futhi anda: .. Ukuze ukulimala kwempahla - ruble ayizigidi 400 ngoba umonakalo ekuphileni kanye nezempilo - ruble ayizigidi 500 ..

Isimo esibucayi emakethe

I PCA bakholelwa ukuthi kwentengo sawela isimo somnotho esinzima. Ukwanda inkokhelo isilinganiso kuzokwenza izinkampani ukushiya emakethe. Abaningi ukushiya nge vysokoubytochnyh izifunda ngenxa izingozi okusezingeni eliphezulu. Endaweni yabo kufike izinkampani zomshuwalense abangathembekile. Avtovladltsy uze uzizwe umehluko omkhulu, ngoba ukuthola inkokhelo evela kulesi sikhwama. Kodwa uma zinyamalale PCA, bese ubuyela ukuliqaqa endleleni.

Inkokhelo yesivumelwano angena esikhathini umshwalense kungavuka enye. Kuleso simo, inkampani igcina imali. Babhekwa ngoba ukusebenza, kodwa hhayi njengoba inzuzo. Seqiniso abahlanganyeli emakethe bephoqeleka ukuba bavale isikhala ukulahlekelwa izinkampani ungeke uzithole usuwile. Ngaphezu kwalokho, ingxenye premium ebuyiselwa umshwalense. Ngakho-ke, ulindele yi zezimali, njengoba umehluko phakathi amaphrimiyamu nezimangalo ke ayilungile.

Iziphathimandla ohlangothini amaklayenti

I FAS wajoyina umsebenzi. Ngasekuqaleni kuka-2014 inhlangano wamukela izinkonondo ezingaphezu kuka-700 ngokumelene izinkampani 20 kusuka 46 izifunda zezwe, okuyinto abeke umshuwalense wokuphila. CTP sekukaningi ukuthenga "Rosgosstrakh" - umdlali ngobukhulu emakethe. Ngo esifundeni Sverdlovsk ngokumelene nkampani ivule uphenyo lobugebengu kabi isikhundla, okuyinto okusongelayo inhlawulo ku ezahlukene 1-15% imali MTPL. Ngo-2012, lesi sibalo zaba ruble 1.6 bhiliyoni.

I FAS futhi kuholela okufinyelela. Zonke esibhekiswe ukuhlolwa ithunyelwa isikhumbuzi sendlela yokubhekana ne nangobudlova. Ikakhulukazi, omunye indlela simi ngale ndlela: Uma inkampani libhekisela ukungabi amafomu, kumele uthumele incwadi bhalisiwe (kungakapheli inyanga eyodwa ngaphambi kokuphela inqubomgomo) nge isaziso lapho ukwethula isicelo ukuba usayine inkontileka entsha. I umshwalense angeke lese nqabele.

izindlela

I IDGC Ungathenga umshwalense CTP kungekho ukuphila, kodwa zasibekela umbandela wokuthi iklayenti has ikhophi umnikazi ipasipoti wemoto. Ngaphansi komthetho, amadokhumenti alandelayo ayadingeka sokubhalisa inqubomgomo:

1. Isicelo isiphelo sesimiso inkontileka.

2. iphasiphothi (abantu ngabanye) noma isitifiketi sokubhaliswa isimo izinhlangano ezingokomthetho.

ilayisensi 3. yokushayela.

4. TC iphasiphothi.

5. Yokucwaninga Card, okufakazela ukudlula ukuhlolwa.

Kwezinye izinkampani, amakhasimende sivela esitaladini kuhoxiswe umsebenzi ekuseni. Ikakhulukazi, "RESO-Isiqinisekiso" zingathengwa CTP ngaphandle umshuwalense wokuphila, ukuma pre ngaphansi-iKhabhinethi esingaphezu kosuku olulodwa. Ngokusho kumpendulo yekhasimende, omunye inkonzo umuntu ihora. Ngokwezibalo, le nqubo ithatha imizuzu engu-30. Kulokhu kwanele ngisayine iphepha bese ubone izimoto. Ngaphansi komthetho, ngomshuwalense unelungelo ukukwenza. Omunye umbuzo wukuthi ngokwesicelo inhlolovo ikhasimende kumele kwenziwe endaweni yokuhlala yakhe. Ungakwazi Ngokuqinisekile uthenga CTP ngaphandle umshuwalense wokuphila futhi musa avela ngekhadi zokuxilonga. Kodwa hhayi yonke indawo. Futhi izobiza ruble 800-900 ngaphezulu. Isici esiyinhloko esenza izinkampani ngesineke ezinyangeni ezimbalwa ngaphambili. Ukusheshisa le nqubo kungaba indlela efanayo - izinqubomgomo eziningana atholwe ngokushesha.

Kungani ngidinga yomshwalense

Ngu uqobo, umkhiqizo iyasiza. Unika ezinye isiqinisekiso sokuthi uma ingozi zonke izindleko ukwelashwa nokululama inkampani yomshuwalense wempilo uzokhokha. Lapha e-Russia le sevisi luyingxenye yokuzithandela. yomshwalense okuphoqelekile ngeke ibhaliswe umthetho ofanayo federal at CTP. Ngakho-ke, abanikazi abaningi imoto uthi izenzo ezingekho emthethweni izinkampani kwadingeka yalokho. Ngaphezu isinqumo esihle Supreme Arbitration iNkantolo inhlawulo phezu ungumhlukumezi in inani 50 eziyinkulungwane. Deda. zithinteka kakhulu "Rosgostsrah".

Bank of unswinyo

Ekupheleni kuka-May 2015 umlamuli uye labeka imingcele ekhishwe "Rosgosstrakh". Izinkampani ziye zathi ukungena inkontileka entsha MTPL noma ukuguqula akhona. Kulokhu, lo umshwalense kumele agcwalise isibopho sawo ngaphansi imibhalo ngaphambili ngemvume.

Naphezu kokuvinjelwa, izisebenzi ahlinzekwa ukuza ehhovisi ngoba ephetha CTP inkontileka. abantu Physical ongafaka isicelo inqubomgomo ngqo online. Central Bank wachaza yokuvinjelwa ukwephulwa okukhulu komthetho ezikhona, ikakhulukazi ukungavumi ukushaja amakhasimende isaphulelo for ikhefu-ngisho, ukunqunywa amasevisi angeziwe.

Yini igcwele yokuntuleka avtograzhdanki?

I-Federal Law "Ngo ayimpoqo" kusho umnikazi wemoto ezinsukwini ezingu-10 kusukela osukwini othenge liyadingeka ukuthathelwa umshuwalense isibopho sezomthetho yabo yombango eyathatha. Ukuze yephule lesi eside ubhekene esihle $ ayizinkulungwane 8. Ruble. By the way, CTP ukugoqa ezengeziwe ushibhile. Ngaphandle kweqiniso lokuthi kwabathile ngaphandle inqubomgomo uthole khona ngaphambi nje kokuba traffic COP kuqala, ukuze futhi umngcele wezwe ungatholi esiphambanweni. Esimweni engozini inselelo zonke izimangalo kwamaphoyisa traffic (ngokukhethekile, ngenxa yokungabi bikho inqubomgomo kusuka umshayeli) kuyadingeka ezinkantolo. Kodwa kungcono hhayi ukuba izifake engozini futhi ukwazi kusengaphambili indlela ukuhlela MTPL ngaphandle umshuwalense wokuphila.

ukuqeqeshwa

Qala bona uhlanganyele udaba Inqubomgomo design ayidingi usuku olulodwa noma ezimbili ngaphambi kokuphela kwenkontileka, futhi izinyanga ezimbalwa. Njengoba umkhuba ubonisa, isinqumo "kusukela amasondo" yenkinga izobiza izikhathi eziningana ezibizayo.

Kufanele uqale ubhalise ngokuthumela isicelo izinkampani emihlanu kuya kwayisithupha ngesikhathi esisodwa - ngezinye izikhathi ezahlukene. Okokuqala, ubheke umshwalense, elithole inqubo yangaphambili. Kukhona ithuba elincane kumagazini omusha ngaphandle markups ezengeziwe.

Khona-ke kubalulekile ukulungiselela imoto ukuba ibukwe. Nakuba, ngomthetho, ukukhishwa CTP ngaphandle umshuwalense wokuphila Kwenziwa ikhadi zokuxilonga, okufakazela iqiniso ezidlulayo wokuhlola, izinkampani eziningi ungathathi ke, ezidinga luhlolo ngabanye. Zinalo lelo lungelo. Ngakho-ke, pre-elibiza okungenani ukugeza imoto.

Esikhathini "Usuku X" ukuvela ngesikhathi esimisiwe. Ngisho noma emihlanganweni emithathu basuse kwelinye othile, kwenziwe. Cishe, akekho nhlobo ngeke sibheke imoto, futhi ngokushesha kukhishelwa inqubomgomo ahlanzekile.

Lona eshibhe, kodwa ngesikhathi esifanayo, kukho eside.

Indlela yesibili - ukusebenzisa imeyili amasevisi

Isicelo sokubhalisa inqubomgomo kungaba ilotshiwe kungengoyinki kuphela egatsheni inkampani yomshuwalense. It Ungathumela futhi bhalisiwe imeyli nge isaziso irisidi kuya ikheli lehhovisi main. Ngale ndlela belulekwa ukusebenzisa fase. Emva kokuthola isaziso eposini ukuthi iphakethe ethulwa, ungaya ehhovisi bahlelekela inkontileka. Khona-ke abasebenzi abakwazi bamane yokuthi iphepha izobuyekezwa nyangazonke, noma ukuthi "ungenayo database."

Ithengwa kanjani i-CTP ngaphandle umshuwalense wokuphila: okukhethwa kukho kakhulu

Kungakhathaliseki ukuthi miningi imigomo ngesikhathi esifanayo abantu wenza, umyalelo ukukhokhelwa ngamunye wabo ikhishwa ngokwehlukile. Uma asesabi incazelo omude ubuhlobo lezokuphepha yenkampani (kuvamise emahhovisi central), noma osebenza nabo, ungasebenzisa le ndlela. Okokuqala, ababecela ukungiqhubela ukuthenga CTP kuhlanganisa nanoma iyiphi enye umshuwalense. Linda kuze kube yilapho lesi sikhulu izokhipha kokubili izinhlobo kanye uzokhipha umyalelo ukukhokhelwa. Khona-ke nje ngemvume irisidi ukukhokhwa CTP, kodwa ngezithukuthuku inqubomgomo yesibili kungashiwo ukuthi ushintsho kwenhliziyo. Zonke izinsongo ushayele amaphoyisa uyavuma. Futhi ngisho kangcono - biza umnyango uqobo. Lapho befika kule ndawo ye abomthetho ukusebenza legatsha izomiswa ukucaciseleka kulindile izimo kunjalo. Kungcono ngokushesha ukuqhuba esikhoselweni isiqophi okuqoshiwe lapho imibuzo kungasilahlekisela akanacala.

isiphetho

Ngokuhamba kwesikhathi, ukuzimisela izinkampani ukuze enze inzuzo ngaphezulu kuyaqondakala, kanye ukwehluleka amakhasimende ukukhokhela izinsiza bengasebenzisi. Okuqukethwe CTP ngaphandle umshuwalense wokuphila eRussia ungokoqobo, kodwa kuzothatha isikhathi esiningi. Ngakho-ke kufanele ngiqale ukulungiselela kusengaphambili: ukhetha izinkampani 5-6 ukulungisa imoto futhi izinyanga 2-3 ukuthola inqubomgomo ayesifuna ngabomvu.