Izimali, Umshwalense
Umshwalense esimweni CTP. MTPL izinkokhelo. Inqubo uma ingozi
Emphilweni zonke umshayeli kanye okwamanje iza lapho ukucabanga mayelana umshwalense imoto. Khona-ke omunye wajabulela ikhono lokubona izinto kusengaphambili abo, kuyilapho abanye akhononde amaphutha ngoba banayo isinxephezeliso zonke izindleko ngokwabo. Le mininingwane sihloko intando batshelwa ukuthi kunjalo ngoba motor ayimpoqo umshwalense TPL, sizoxoxa yonke imininingwane yomsuka wawo, ukucutshungulwa nokwamukela yokukhokha.
definition
umcimbi insured - umcimbi eye yabangela umonakalo into yesivumelwano. MTPL insured ekuphileni, impilo, impahla besithathu, okungukuthi, umonakalo owenziwe umuntu umshayeli. Hull ivala umonakalo imoto wathola (TC) pholisi.
umcimbi insured - isenzakalo ukuxhumana inkampani isinxephezelo. Kodwa ngaphambi abantu ukhokhelwe, kukhona ukutadishwa ngamaqiniso nezimo yengozi. Ukuze ususe amacala okukhwabanisa, isenzo ngamabomu noma ngenhloso, inkampani sizohlola wonke amadokhumenti ngokuningiliziwe.
algorithm
Zonke imithetho umshwalense, kanye nenqubo isisulu yezenzo ebekiwe inkontileka. Ngamafuphi nje, i-algorithm simiswe ngalendlela lelandzelako:
- ukufaka unxantathu isixwayiso;
- ushayele amaphoyisa;
- musa ukuthutha imoto kusuka endaweni;
- uma uvumile ngemvume isitifiketi zezingozi zomgwaqo ;
- shayela iloli donsa;
- SC isaziso nesikhathi esibekelwe elinganiselwe.
Shayela inkampani ngokushesha ngemuva kwengozi akudingekile. Okokuqala, izisebenzi neze ingayala inkambo efanele yesenzo nabo bonke umehluko wemisindo nemiqondo yamagama wamaphepha. Okwesibili, ukucela ukutholakala izitifiketi eqinisekisa okuvela kuyo umcimbi insured obakhathalelayo. Ngakho-ke ngaphambi kwesikhathi kuyadingeka ukuze simazi kangcono inkontileka bese ibheka ukulandelana yezenzo.
Okokuqala
Uma abathintekayo ubhekene engozini, kufanele usethe izimpawu alamu endaweni yesehlakalo. Uma kudingeka, ukunikeza usizo izisulu. Bese shayela amaphoyisa omgwaqo ngokushayela 002, 112, 911.
Isikhathi sokulinda akudingekile ukuxoxa nganoma yikuphi ezicashile ngohlangothi yesibili yale ngozi. Lolu lwazi ke lungasetshenziswa kuwe. Kuwufanele uzochitha isikhathi esiningi ukulungisa izinombolo yokubhaliswa izimoto, lapho ebuza igama kwabanye abahlanganyeli yengozi, izinombolo zocingo yabo, kuyinto efiselekayo ukuthola idatha lofakazi, uma ikhona khona. Phakathi nalesi sikhathi esifanayo, akufanele futhi wenze isitatimende. Lo mcimbi oVikelwe kumele kuchazwe ngokuhambisana izimfuneko ezishiwo inkontileka.
Isisulu Kunconywa ukuthola imininingwane yokuxhumana ibangelwa ingozi, igama inkampani yomshuwalense, inani umshwalense wakhe. Uma kubahlanganyeli ingozi okuningi (imishini engaphezu kwemibili), futhi ngokucacile ichaze ngubani esingamsola ngalokho okwenzakalayo, kunzima, kubalulekile ukuba abafundi baxoxe nabathile zonke izinhlangothi futhi bebonke ukwenza isaziso sokuthi umcimbi insured kwenzeka ngo-CTP. It unamathele inqubomgomo.
Uma omunye umshayeli alivumelani amaqiniso ahlelwe noma bamane nje abafuni ukuba ngisayine ukuthi akudingeki ukuba sikhathazeke. SC alinalo ilungelo lokwenqaba ukuya yokukhokha kuphela ngenxa yokuntuleka isicelo.
amaphuzu abalulekile
Kwaze kwaba yilapho kufika traffic amaphoyisa endaweni yesehlakalo has a lot ukushintsha. Ngakho-ke, uma kukhona ikhamera noma ividyo khamera, kubalulekile ukuba ngokushesha ukudubula yesehlakalo (izinhlangothi ezine) futhi izisulu, uma ikhona. Kungcono ukuthatha izithombe ezimbalwa ngezindlela ezihlukahlukene futhi amabanga.
Ngesikhathi ngozi abakwazi ukushintsha into. Kodwa uma sezimoto, futhi izisulu bephoqeleka ukukhulula endleleni phambi amaphoyisa atheleke kule ndawo, adingekayo ngaphambilini ukwenza ingozi scheme, e phambi kofakazi ukulungisa isikhundla imoto ukulungiselela isitatimende. umcimbi oVikelwe kufanele abulawe ngokuvumelana nemithetho ebekiwe kule inkontileka. Uma kukhona izinto ezihambelana yesehlakalo (isibonelo, izingilazi eziphukile), kubalulekile ukuthatha zonke izinyathelo for ukulondolozwa yabo futhi ibeke umkhawulo ephumayo.
Uma imithetho umshwalense kuhlinzeke imininingwane ngokufinyelela kwi okuvela kuyo ingozi inkampani ucingo, akazange anqikaze ukuthola igama isisebenzi ezathatha ucingo. Uma esikhathini esizayo amazwi akhe ukukuchukuluza ziphazamisa oda kokubhaliswa imibhalo, kuyoba omunye ukuthi ubheke. izinqubomgomo Abanikazi CASCO ziyadingeka ukwazisa UK wedwa.
Ukwenza icala motor ayimpoqo umshwalense TPL
Traffic isikhulu samaphoyisa ekufikeni ubophekile ukuba athathe bonke ababambe iqhaza isitifiketi ingozi sokubhalisa imoto, ilayisensi kanye umshwalense izinqubomgomo yokushayela. Ngesisekelo Ukwaziswa okwatholakala nxazonke isikimu ingozi, okuyinto imininingwane ukupenda zonke ngezimo zale ngozi. Isitifiketi kuyadingeka ukuze ufake idatha yomuntu siqu lofakazi, uma ikhona, futhi abagibeli. Uma ukwaziswa okunikeziwe kuyiqiniso, kungenzeka ukuba ngisayine iphepha. Uma umuntu ebheka khona ukuthi imibhalo mayelana naleli cala umshwalense CTP ihlanganiswe kahle, futhi kuyadingeka ukuze silungise esazisweni. Kulokhu, kufanele ucacise "Angivumi" bese ungene ngemvume ke.
Yisisulu umhloli ubophekile ukukhipha ikhophi olandelwayo we icala, uphenyo, le ngozi scheme (uhlelo endaweni futhi indawo imoto, isivinini, unyathela amabhuleki amabanga, incazelo indawo ukushayisana), idatha kuhlolwa imoto kanye incazelo yokuthi bonke abahlanganyeli kanye nofakazi. Lamaphepha kufanele ngokucacile ebekiwe igama isihloko umhloli. Uma imibhalo ayikwazi esikhishwe ngokushesha, kubalulekile ukuba ucacise isikhathi esiqondile icala futhi ukuza endaweni eshiwo ngesikhathi esithile.
Uma le ngozi iye yabangela umonakalo ezinzima ukuze impilo isisulu, amaphepha adingekayo ukuze benze isenzo lapho ngihlolwa. Inqubo wenziwa endaweni yengozi ethile noma esibhedlela, e phambi kofakazi ababili. Nansi indlela yokukwenza ethile yomshuwalense CTP icala kufanele zixhunywe - ingozi.
umehluko wemisindo nemiqondo yamagama
Ngemva kwaleyo ngozi kumele ngokucophelela bese zihlolisiswa lomonakalo moto. Khona-ke amaphoyisa omgwaqo kufanele uchaze ngokucacile kuzo, kanye ukufaka oqotsheni ibinzana "kungenzeka ukukhubazeka olufihliwe. ' Kungenjalo, UK engakhokhi izindleko kokulunga kwalowo monakalo ukuthi engakaze ngaphambilini kuchazwe.
Futhi kufanele uhlole ngokunemba Izivumelwano kanye nezitifiketi, ukunemba lezi idatha kwi indawo kanye nesikhathi ingozi, ulwazi mayelana abahlanganyeli kanye imoto. Zonke izilungiso kufanele iqinisekiswe isitembu, isignesha futhi inkulumo ethi "Ukulungiswa". Lowo Mbhalo wangonyaka we kumele lwentiwe ku wesandla efanayo.
Yiba emotweni ngangokunokwenzeka ngemva nokubhalisa ingozi ngemvume komhloli.
ezinye izinketho
Uma imoto uye wahlupheka ngenxa yenhlekelele yemvelo enjengesiphepho noma falling billboard, bese usizo ngalesi sigameko kumele uxhumane nehhovisi lendawo Rosgidrometeotsentra. Uma umshini lilimele ngomlilo, idokhumenti okuhambisanayo ingatholakala evela eMnyangweni Fire.
izinqubomgomo Abanikazi CASCO isinxephezelo umonakalo owenziwe abantu besithathu, kufanele abhale isicelo esiteshini samaphoyisa indawo futhi athathe isitifiketi eqinisekisa ukuntshontshwa izingxenye. Ngokufanayo, kufanele wenze kwenzeka lokweba imoto.
Uma umcimbi kwesamba kwenzeka CTP (RTA), futhi ibangelwa ithole inqubomgomo kwelinye idolobha, udinga ukuxhumana legatsha lakho lendawo le nkampani. Ukukhokhwa isinxephezelo kufanele ibe indawo evumelana isisulu (idolobha).
Nansi indlela Umklamo amacala umshwalense ku ayimpoqo umshwalense motor.
lwemithetho
- Yisa imoto noma oluphathelene naye lowo esikhundleni DPT izinto ngaphambi kokuza amaphoyisa omgwaqo ngaphandle kwesizathu esihle kakhulu.
- Ukunqotshwa usongo abahlanganyeli kanye ukubakhokhela isinxephezelo kolunye uhlangothi amaphoyisa ngokushesha.
- Ngenxa yokwethuka.
isaziso SC
Lusuku lekutawentiwa ngalo iklayenti ubophekile ukuba ngishumayele sigameko, ebalulwe inkontileka. MTPL, zingabantu izinsuku ezingu-15 kusukela osukwini ingozi eyenzeka, ngokuvumelana Hull - 3 izinsuku ukusebenza kuzo zonke izimo, ngaphandle ukweba. Kulo mBhalo umuntu amahora angu-24 kuphela. Khona-ke udinga ukuza egatsheni UK futhi unikeze iphakethe ephelele kwemibhalo. uhlu yakhe Ubuye inkontileka. Umuntu izinsuku ezingu-15 ukuqoqa amaphepha. Nakuba ngokuvamile izikhathi it is hhayi ukusebenza kwezikole zokusoka.
Uma indawo ye olimale engozini ayikatholi amadokhumenti, isicelo okuhambisanayo ungenza UK. Kusukela ikhasimende kuzodingeka ukuba unikeze i-passport, inqubomgomo yokuqala, amakhophi namarisidi, ubufakazi bokubhaliswa kwakho imoto, ilayisense yokushayela, "Izaziso" yokuqala, imininingwane yasebhange iqembu elimele, isitatimende ngeduplikhethi ukuthola izinkokhelo amacala umshwalense. Iphepha kumele wanyathela, izinsuku olunezinombolo.
Abasebenzi compulsorily ukuqhuba ukuhlolwa. Uma umonakalo kuyingozi kakhulu, uchwepheshe liyadingeka ukuhamba kusayithi ingozi. Kuye kokuhlaziywa kwamathenda lemali ayabelwe ekhokhwa. Njengoba ukuhanjiswa amadokhumenti e-UK unezinsuku ezingu 20 ukuze athathe isinqumo.
inqubo Examination
Isimo ngokuvamile siba khona nalapho umuntu alivumelani nokuhlolwa nokukhokhwa kwezintela isamba. Ukuze kuxazululwe le nkinga, kubalulekile ukuqhuba kokuxilongwa ezimele ezihilela ukuzihlola abanezincwadi zokushayela ukuba bafeze lo msebenzi, futhi abameleli UK. Isimemo abasebenzi yenkampani ukuthumela incwadi kubhaliswe kungakapheli izinsuku ezintathu ngaphambi kosuku luhlolo. Uma inani lemali owandulelayo umonakalo ruble ezingaphezu kuka-120 eziyinkulungwane, kumele ababemenyelwe luhlolo kanye le ngozi isigebengu. Izenzo ezinjalo esimweni umshwalense CTP kuzosiza ukuthuthukisa iqembu elimele ukuthola isinxephezelo ezinkantolo. abameleli Umshwalense bavame ukulishaya indiva uphenyo ezimele. Kodwa lapha qiniso elibalulekile isiqinisekiso Dispatch isaziso. Uma UK wenqaba ukukhokha isinxephezelo noma ngocha ezinsukwini ezingama-30 emva kokuthola imibhalo kufanele afake isicelo enkantolo.
Kanjani ukwenza umshwalense uma CTP engabhekiseli?
Okusanda kwakukhona umkhuba kokubhalisa ngozi "evroprotokol" ngaphandle iqhaza kwabasebenzi omgwaqo. Ukuze lesi simiso ukukhipha ingozi, kufanele usebenzise kwetinhlobo letikhetsekile akhiwa UK. Bavuma zingakapheli izinsuku 5 kusukela osukwini ingozi eyenzeka.
imibandela yokubhalisa: Bonke ababambiqhaza kumele oVikelwe, ukungavumelani phezu umonakalo futhi ezingozini zomgwaqo isikimu akufanele kube. Kungaleso sikhathi kuphela lapho abashayeli uzokwazi ukuba amphuzise imibhalo ngaphansi kohlelo lula. "Isaziso yengozi" kufanele kube Pee bonke ababambiqhaza futhi wabhekisela UK. Kulokhu, isisulu awukwazi abeke izimfuneko ezengeziwe ngomshuwalense, kodwa inkampani unelungelo sokulihlolisisa ukucacisa izimo yengozi.
Umshwalense "Rosgosstrakh": izici CTP
- Usayizi wokugcina isinxephezelo impahla - ruble ayizigidi 400 ..
- Umkhawulo izinkokhelo ezimweni umshwalense, semthethweni "protocol European", - .. ruble ayizigidi 50, uma bobabili abahlanganyeli umshwalense ingozi wathola emva 08/01/2014. Kwezinye izimo - ruble ayizigidi 25 ..
- Inani eliphelele isinxephezelo ngenxa "protocol European", ukubhaliswa phezu okuvela engozini eMoscow, eSt Petersburg kanye nezindawo ahlobene, okuyinto zalotshwa esebenzisa lobuchwepheshe iqinisekiswa, - ruble ayizigidi 400 ..
- Umshwalense "Rosgosstrah" izokhokhwa ngokheshe noma yokudlulisela ukulungisa. Esimeni sesibili kunakwe ukuwohloka izinyembezi izingxenye ukushintshwa. Imoto kungaba luzokhishwa kulawo iziteshi ngawo UK usayine inkontileka ukulungiswa.
- ukuxazulula izinkinga isikhathi - ezinsukwini ezingu-20 zokusebenza.
Izinguquko emithethweni ngo-2015
Ngonyaka odlule, le Duma State yokutholwa izichibiyelo zomthetho, okwandisa kumkhawulo izinkokhelo ku nokulimaza impahla yabanye futhi ukugqoka ngokushintsha embundwini. Uma umcimbi kwesamba kwenzeka ku-CTP, umnikazi imoto ungakwazi manje ukukhetha indlela yabo yokuthola isinxephezelo (ngokheshi noma isiqondiso ukulungisa). Lizokubuyisela kuphela UK abathintekayo, kungakhathaliseki ukuthi inkampani ukhonza le ngozi isigebengu. UMbuso Duma ukholelwa ukuthi ukudlulisa kuya legatsha lendawo ngomshuwalense lomunye umhlanganyeli ingozi le nqubo yokukhipha isinxephezelo kuphela. Ngaphambili ezimweni ezinjalo ke kwase kutholakele indlela lokukhokha inhlawulo ka-0.1% inani isinxephezelo ngalunye usuku kokulibala. kwentelwa kutsi letichibiyelo okusha umthetho anda ubukhulu ikhomishana engafinyelela kwengu-1%.
Inhlawulo nazo enikeziwe uma ukwehluleka abasebenzi UK ukuthengisa MTPL abathintekayo inqubomgomo. usayizi wabo ayizinkulungwane 50. Hlikihla. Amasevisi eyengeziwe ngenani Kungashiwo okufanayo eziphoqelelwe esikhundleni inkampani.
Futhi ushintshe wenkokhelo esiphezulu izinqubomgomo CTP "Rosgosstrakh". umcimbi Insurance, okwenzeka ensimini ka eMoscow, eSt Petersburg naseLeningrad esifundeni balinganiselwa ku eziyinkulungwane 400. Hlikihla. Abahlanganyeli yengozi kuzodingeka ukuba uyinikeze idatha ku isiqophi-okuqoshiwe kokubili izimoto. Ukuze uthole ezinye izifunda, umkhawulo kukhawulwe 50 eziyinkulungwane. Deda.
Lezi zichibiyelo futhi ukuhlinzekela ukwethulwa tariff of ephasishi ukunika amandla izinkampani ukunciphisa amanani izinqubomgomo. Kodwa kungakanani sizothinta izindleko "avtograzhdanki", ayikaziwa. Kulinganiselwa owandulelayo Russian Union of izinkampani zomshuwalense (RSA), izinga ongama e intengo 24,2%. Kusukela 2016 kuyothiwa kushintshwe Central Bank.
Isikhathi zokuhlala owandulela ukuqulwa kwecala kwenzinye izingxabano ziyancipha izinsuku ezingu-25. Ngoba kuqala 20 ezidingekayo lokubuyekeza bese unquma inkokhelo. On komnikazi ngokwayo namanje izinsuku 5. Lesi sikhathi akwanele ukuqedela ukucutshungulwa ngamunye umcimbi insured. Ubungozi ukuthi isebenze avtoyuristy ukuthi sipho amakhasimende isinxephezelo ngokheshi in exchange for isabelo isimangalo. Khona-ke abe nyamanambana Ochwepheshe enjalo e-UK kufana izikhathi eziningana ephakeme ukwedlula inani umonakalo. Lapha futhi inkampani lisheshe, futhi iklayenti ngokugcwele inani isinxephezelo esandleni engakutholi. A umjikelezo omubi.
Amazwana wezazi
Ngokusho abasebenzi PCA, kukhona enye inkinga. Isinxephezelo amakhasimende abaphathwa kule nkampani, futhi inkantolo.
Ngokwesibonelo
Man atholwe Inqubomgomo MTPL ka "Rosgosstrakh". umcimbi oVikelwe iphutha ngenxa yengozi. Iklayenti, ngaphandle kokudala abasebenzi UK libhekisela ethengiswayo yangasese luhlolo. Kodwa bangaki abantu, imicabango yabantu abaningi kangaka. Esinye isazi ecabanga ukuthi izimoto udinga ukubuyisela 1 THS. Deda., Futhi ucingo lwesibili in inani ayizinkulungwane 10. Hlikihla. On iklayenti ethola esiphethweni idwetshwa ngokushesha inkantolo. Ngokwezibalo, zonke umshwalense 4th usebenza iqhinga ezinjalo. Leli akulona isimo evamile.
Imithetho noma inkontileka iyisikhumbuzo kumakhasimende abangase banelungelo ngokuthi "isenzakalo kwesamba kwenzeka. Yini okufanele ngiyenze? "It ngokucacile yilezi ukulandelana izenzo. Okokuqala nje kubalulekile ukuba kwaziswe i-omgwaqo. Ngokwezibalo, 8-9% amacala eqoshiwe "evroprotokol". Ukwanda imikhawulo ukukhokha kuyobe kuphela ukukhuthaza kubahlanganyeli ingozi ukuba ingenzele ingozi ngaphandle amaphoyisa omgwaqo. Okwazekayo, isilinganiso esinjalo kuyodingeka kakhulu ukunciphisa isiminyaminya. Abashayeli akudingeki balinde amahora ambalwa amaphoyisa. Kodwa umkhuba, isisulu ngeke likwazi ukunikeza ezengeziwe izidingo SC. Iphepha kuphela ngokuthi "evroprotokol", kodwa enziwe olwalusikisela Russian.
Ngokuphathelene isinxephezelo ngesimo indawo yokulungisa izimoto, isimo kuyadida kakhulu. SRT, okuyinto UK usayine inkontileka kungase kube km 100 kude isisulu. Umshayeli ngeke kusadingeka ukuba sizinake ngaphezu izingxenye ezintsha. By the way, kwentelwa kutsi letichibiyelo entsha ukuze umthetho, okulinganisela izingxenye bafake kwehliselwe kusuka 80 kuya 50%. Futhi endabeni abampofu iziteshi ukulungisa kuyomelwe ukuba abhekane nazo bebodwa, nakuba isivumelwano kuphothulwe SK.
ukugqoka Izici
Inani lemonakalo lithathwa ngokubheka izintengo zezingxenye ezizoshintshwa noma zilungiswe, kucatshangelwa ukugqoka. Lesi yisibonakaliso sesihlobo. Ihlukanisa izinga lokusetshenziswa kwamayunithi kanye nama-aggregates omshini ngesikhathi sokusebenza kwawo. Ichazwe ngamayunithi emali. Iminyaka eyengeziwe imoto, okungenani izindleko zezingxenye. Yilezi zinguquko ezidala izingxabano eziningi phakathi kwabahlukumezekile nase-UK.
Ngolunye uhlobo lwezingxenye, kunemithetho yokubala ukugqoka. Le parameter ibalwa kuphela ama-node ashintshiwe ngokuphelele. Uma ingxenye ingabuyiselwa, umshwalense kumele akhokhe konke ukulungisa. Izindleko zokuthengwa kwamasevisi wepende nemoto yamasifundisane kumele zihlawulwe ngokugcwele. Okufanayo kusebenza kwimishini yokuphepha (imishini, amabhande), ngaphandle kwalokho ukusetshenziswa kwezimoto kungavunyelwe. Izindleko kumele zenzeke ngosuku lengozi, hhayi lapho kuhlolwa.
Isiphetho
Inshwalense yemfanelo yomuntu wesithathu iyimpoqo kubo bonke abashayeli. Kodwa izinqubomgomo ezinjalo zivame ukuhlelwa isikhathi sokuhlola, lapho isici esiyinhloko yintengo. Uma umshayeli enesipiliyoni eside sokushayela ukungenazinkinga, akufanele kube khona izinkinga. Kodwa kungenzeka ukuthi umcimbi womshuwalense ukhona. Ngakho-ke, kuyadingeka ukuzijwayeza kusengaphambili ngemithetho yokwenza imibhalo kanye ne-algorithm yezenzo uma kwenzeka kwenzeka ingozi.
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