Ukunqanyulwa kwe-CTP inkontileka: imibhalo, izindawo, ukubala ibhalansi isamba oVikelwe

Kuze kube manje, noma yimuphi umnikazi imoto uyazi ukuthi inqubomgomo enjalo yomshuwalense. Into ebaluleke kakhulu umklamo wawo ukuze ukhethe inhlangano ethembekile. umshayeli ngamunye singase sibhekane nesimo lapho udinga ekunqanyulweni ekuqaleni we CTP inkontileka. Kwenze ngempela ngempela, kodwa kungase kube nzima ngempela ngaphandle kolwazi kuwo wonke butholakala enqubweni eyinkimbinkimbi yokuthela umthetho. Nokho, uma ulandela imiyalelo ethile, okuyinto uyoboniswa ngezansi, ungakwazi ugweme izingibe uzothatha imali yakho emuva ngaphandle kwezinkinga.

ulwazi olujwayelekile mayelana ekunqanyulweni ekuqaleni yesivumelwano umshwalense

Izizathu kungani kungase kudingeke isivumelwano se okuyimpoqo yesivumelwano, kungase Nokho, ngempela eziningi, kungakhathaliseki ukuthi kumele zithobele ngokugcwele umthetho sisebenza. Okuwukuphela kwendlela ongayifinyelela elamukelekile ayinikezi abameli isizathu zokwala ngomshuwalense amalungelo akho zomthetho.

Ngemva sokuxazulula zonke imicikilisho engokomthetho, umshayeli unelungelo lokuthathwa njengomsulwa ukhokhelwe phambi inani inqubomgomo, ngaphandle abangamaphesenti angu-23 izindleko umshwalense, okuhlanganisa namacala izinkampani zomshuwalense yokufuna okuphoqelekile okwenziwa ezikhungweni izinkampani zomshuwalense Union, kanye nezindleko ezihlobene zokwenza ibhizinisi.

Yini imibhalo ayadingeka ekunqanyulweni

Ukupheliswa CTP umshwalense inkontileka - inqubo ejwayelekile ukuthi kudinga umshayeli kokuba ezithile imibhalo. Ngaphansi komthetho wamanje, kubalulekile ukulungiselela:

• irisidi yokukhokha amasevisi yomshuwalense ku umshwalense;
• inkontileka sokuqala;
• inkontileka sokuthenga / ukudayiswa imoto;
• isicelo isampula okujwayelekile ekunqanyulweni ekuseni yomshuwalense;
• kwanoma iyiphi idokhumenti efakazela ubuwena.

Lolu uhlu eyisisekelo kwemibhalo okuyinto esiyisibopho. Nokho, kuye ngokuthi isizathu ukuqedwa, inkampani yomshuwalense unelungelo eligcwele adinga amanye amadokhumenti ezengeziwe. Ngakho-ke belulekwa ukuba uhlole nabameleli strahovalschika uhlu oluningiliziwe zonke wamaphepha ezidingekayo futhi abalungiselele kusengaphambili ukuba ukuqedwa CTP inkontileka yadlula ngokushesha futhi ngaphandle kwenkinga.

Kwezinye izimo, kungase kudinge ukuqedwa kwenkontileka umshwalense?

Kuze kube manje, ekunqanyulweni okuqala e-CTP kulezi zimo ezilandelayo:

• ukufa yomnikazi imoto;
• Ukuphelelwa yisikhathi kwelayisensi ye umshwalense ukuze bafeze imisebenzi yayo;
• traffic yengozi lapho Imoto yatholwa kabi kakhulu ezilimele futhi ngeke ibuyiselwe;
• umnikazi we-ushintsho imoto.

Kwezinye izimo, ekunqanyulweni kungenzeka motor ayimpoqo TPL umshwalense inkontileka kuyo umshwalense, kodwa umkhuba Ezimweni ezinjalo ezingajwayelekile kakhulu, ngakho ayeke kubo akwenzi mqondo. Kuye isizathu lapho umshayeli ifisa kwesikhathi sokuqeda amasevisi umshwalense, inqubo izinkonzo okungezona umshwalense singenzeka ngezindlela ezahlukene. Ngakho-ke, ngamunye amacala kungenzeka kufanele kubhekwe eceleni.

umnikazi Car ukufa

Uma ufuna sephule inkontileka umshwalense ngenxa ukufa yomnikazi esisemthethweni emotweni, khona-ke udinga ukulungiselela lezi zincwadi ezilandelayo:

• inkontileka umshwalense uqobo;
• wonke amarisidi kwenqubomgomo;
• isitifiketi sokufa yomnikazi imoto.

Lapho wonke amadokhumenti ayovulelwa, izosebenza kuphela enkampanini yomshuwalense kanye uthumele isicelo.

Imoto ayikwazi ukulungiswa

Uma imoto ngesikhathi kwehla ingozi yomgwaqo u akuhambisani 'esihambisana nethemba lokuphila "umonakalo, ukuba yiqiniso kwalesi MTPL inkontileka sizovala ngokuzenzakalelayo, Nokho, ukuthola isinxephezelo yemali yomnikazi umshini uzodinga ukuhambisa namarisidi yokukhokha zomshuwalense inkontileka sokuqala.

Ukupheliswa ilayisensi ngomshuwalense

Uma inkampani yomshuwalense iphelelwe yisikhathi kwelayisensi, okuvumela ukuba bahlanganyele kulo msebenzi, inqubomgomo uyashabalala ngokuzenzakalelayo kuwe ke akudingi nhlobo imibhalo kanye nezitatimende. Inkinga iwukuthi ukuthola isinxephezelo yemali kulesi simo kuyoba nzima kakhulu.

Ukushintsha umnikazi wemoto

Ngingaba ukukhansela CTP inkontileka ngesikhathi Ukuqeda kobunikazi imoto komunye umuntu ukuthengisa noma umnikelo komhiaba? Nokho, kuleli cala, ukuqedwa nqubo ithatha indawo ngendlela ejwayelekile, wonke umuntu kuyomelwe ukubhekana ngayo umniniso wasekuqaleni, idatha yomuntu siqu zazo elicacisiwe inkontileka umshwalense.

ukuqedwa inqubo: uma ukusebenzisa?

Abashayeli abaningi banesithakazelo umbuzo kanjani ukubuyisela imali yomshuwalense. kubhekwa Ngaphambili amacala main ezivumela ekunqanyulweni yesivumelwano phakathi umshayeli kanye umshwalense, kanye amaphepha adingekayo, kodwa uma kuhamba phambili ukusebenzisa?

Lamanje umshwalense ilahlekelwa amandla ayo engokomthetho evela mzuzu umshayeli isikhalazo enkampanini yomshuwalense, hhayi ngemva kokuqedwa esisemthethweni yesivumelwano. Ngakho-ke, it is hhayi Kunconywa uyephuza kuhanjiswa isicelo, njengoba kuthinta inani isinxephezelo semali. Ukuze wenze kube sobala, ake ucabange nje isimo ukuthi imoto wadayiswa ngo-Ephreli, kanti umnikazi owayeyinhloko imoto isetshenziswa inkampani yomshuwalense kuphela ngoJulayi. Kulokhu, ngenxa 4 izinyanga of akukho isinxephezelo ngeke, njengoba umshwalense sasibhekwa njengophawu lokuthi evumelekile.

Yini imibhalo Kudingeka uqoqe?

Isikhathi esining impela, izinkampani eziningi umshwalense ongaphika amakhasimende abo ukuthi kungenzeka ekunqanyulweni ekuseni yomshuwalense. Ukuze kungabi kulesi simo belulekwa ukuba ulungiselele iphakheji kwemibhalo, okubandakanya:

• velveteen uqobo;
• isicelo ukuqedwa isampula inkontileka CTP ezimisiweyo;
• iphasiphothi noma ilayisensi yokushayela;
• irisidi yokukhokha zomshuwalense;
• ikhophi yaleli TCP;
• ikhophi yesivumelwano ukuthenga / ukudayiswa, kanye namandla ommeli ikhishelwa umnikazi omusha;
• ikhophi yaleli isitifiketi sokufa esimweni ukufa kwanoma abanikazi ofanelekile;
• nesenzo nokulahla imoto, uma ngeke ibuyiselwe;
• imibhalo eyengeziwe angacelwa kuyo umshwalense.

Uma imibhalo une konke Nokho, ukuze, abameleli inkampani yomshuwalense abanenkani abenqaba ukwamukela isicelo sakho ngoba ukwesulwa nenqubomgomo, sicela uyithumele ngeposi ukuze ikheli ehhovisi main. Kulokhu inkampani angeke umane indiva isikhalazo sakho futhi kuyodingeka ukunikeza impendulo olusemthethweni.

iyona isinxephezelo kanjani?

Ngaphansi komthetho wamanje, kubuye imali kwesamba senzeka ngokushesha ngemva kokuqedwa zomthetho yesivumelwano kuzokwenziwa CTP. Uma iklayenti isimo sikuvumela ukuba imali idluliselwe ku-akhawunti yakhe yasebhange, inqubo mutual kungathatha indawo emavikini amabili isikhathi eside.

Kulokhu, imbuyiselo phezu ekunqanyulweni yomshuwalense imoto zifanelekile:

• izindlalifa ngqo umnikazi imoto uma kwenzeka ukufa kwakhe;
• umnikazi ofanele imoto;
• Noma ubani has a amandla kwasayinwa ommeli evela kumnikazi imoto.

Inani isinxephezelo sokuqeda inkontileka umshwalense kuxhomeke ezicini eziningana, eyisikhulu phakathi okuyinto ukuthi kubiza malini CTP. Kukhona ifomula ekhethekile lapho ekubalweni isinxephezelo.

Ifomula kuhlaziywa izinkokhelo ngokheshi phezu ekunqanyulweni kwe umshwalense

Usuvele uyakwazi Nokho, indlela ukubuyisela imali yomshuwalense ngesikhathi uphelela ekuseni, ngokuthi ingakanani imali ungalindela ngalesi? Izinkampani zemishuwalense ukunquma inani isinxephezelo siholwa le ndlela elandelayo:

D = (P-23%) * (N / 12) lapho:

• D - isinxephezelo;
• P - lemali ekhokhwe ngomshuwalense kwinkontileka;
• N - empeleni isibalo sezinyanga ubuningi;
• 23% - ezihlobene izindleko, okuyinto ngomshuwalense uthela ekuphathweni icala iklayenti ngamunye.

Ngakho, ekuqaleni kuka-sokuqeda CTP inkontileka, isampula engatholwa kuwebhusayithi esemthethweni ngomshuwalense, ukuze bathole isinxephezelo yemali, kunengqondo kuphela uma kwenzeka ukuthi ngaphambi kwesikhathi sokusebenza yayo ihlala izinyanga okungenani 6. Uma inqubomgomo uye wahlala omunye noma izinyanga ezimbili ubuningi, ekunqanyulweni akwenzi mqondo, ngoba inani isinxephezelo singaba sincane kakhulu kunalokho izindleko zakho ezihambisana kungakhathaliseki ukuthi kubiza malini CTP.

ekunqanyulweni Sakudala CTP: yini uma imali akezi?

Kukhona amacala, lapho umshayeli iye isicelo sikhathi, balungise amaphepha adingekayo kanye Nokho, ngokuvumelana nemithetho ekhishwe ukuqedwa kwenkontileka umshwalense, le ukunxeshezelwa ngokwezimali ngemva kwamasonto amabili akafakanga ku-akhawunti yakhe yasebhange. Yini angayenza kulesi simo?

Isinyathelo sokuqala ukuba uthole ukuthi zisebenze ngomshuwalense futhi ukuzama ukuthola imbangela yezinkinga zamanje. Kungenzeka ukuthi inkokhelo umane imisiwe. Uma eqinisweni yokukhokha kuqinisekisiwe, akukho okubi ngalokho, futhi udinga ulinde isikhashana eside. Nokho, umkhuba, cishe zonke izinkampani zomshuwalense bayanqikaza kakhulu sokuqeda CTP inkontileka ukubuyiselwa imali ikhasimende. Kulokhu, kufanele wenze ikhophi inqubomgomo kanye isicelo futhi uxhumane Motor izinkampani zomshuwalense Union. Lokhu umzimba self-elawula ukwenza ukuxazululwa kokuphikisana ezihlukahlukene phakathi kwabashayeli kanye izinkampani zomshuwalense, futhi iziyisikhombisa eziningi kwethonya inkampani, okuyinto ngokungafanele ukusebenza. Ezimweni eziningi, isikhalazo kule nhlangano kusiza ukuba ngokushesha alungise inkinga futhi isinxephezelo phezu ekunqanyulweni yomshuwalense imoto ngokushesha okukhulu ukufinyelela ekhelini.

Kwezinye izimo, isinxephezelo inqubomgomo yokukhansela singanikezwanga?

ekunqanyulweni Early amasevisi umshwalense - kuyilungelo esisemthethweni naleso sakhamuzi, Nokho, zikhona eziningi practice zomthetho, lapho ukunxeshezelwa ngokwezimali singanikezwanga. Esinye salezo iyona ukuqedwa enkampanini yomshuwalense. Ngokwesibonelo, inhlangano iye kwavala ngenxa ezikweletini, kanye nokungakwazi yayo ukuhlangabezana nezibopho zakhe zezimali kumakhasimende. Kulokhu, umthetho ukhulula umshwalense ezibophweni zawo.

Elinye icala ovamile uwukuthi sokuqeda inkontileka ne umshwalense ngenxa yokuthi ikhasimende unikezele ngolwazi olungalungile. Ngaphezu kwalokho, uma umnikazi imoto uhlela uhambo eside phesheya, futhi ayinaso izinhlelo phakathi nalesi sikhathi ukusebenzisa umshini, isinxephezelo nayo enikeziwe, njengoba kulokhu azikho nezizathu ezizwakalayo zoku- imali. Ukuze ugweme esimweni esingajabulisi elihlobene ne ekunqanyulweni ekuseni zomshuwalense, sincoma ukufunda ngokucophelela nenkontilaka yokubhalisa inqubomgomo MTPL.

isiphetho

Inqubo ukuqedwa kwenkontileka umshwalense lihlotshaniswa eziningi izinkinga futhi ngaso sonke isikhathi ukuya off ngaphandle kwezihibe. Lokhu kungenxa yokuthi eziningi izimbobo kule nomthetho isiRashiya, elalingelona bangafuni ukusebenzisa izinkampani zomshuwalense abangathembekile. Ngakho-ke, thina ungahlala uya enkantolo uma kwenzeka izinkinga. Njengoba umkhuba ubonisa, iningi nokulingwa abangu iwine kwesamba, ngoba namajaji ukhetha ukuthatha isikhundla zabahlali abavamile. Kodwa noma ngabe kwakungeyona, ungalokothi uphonse ithawula. Uma usuyazi ukuthi ulungile futhi umthetho ngasohlangothini lwakho, njalo ubheke izinhlangano ezifanele isinxephezelo semali.