Umshwalense uboshwe? kokubonisana zomthetho

Ake sibheke kube nesisekelo esingokomthetho sokuthethelela lesi simo njengesibonelo. 25.02.2012, kwaba khona engozini ebandakanya izimoto ezimbili: a / m kanye m Mazda / Ford. Uyobekwa ngozi iye obonwa umshayeli / m Ford. Umnikazi Mazda oVikelwe inkampani yakhe imoto umshwalense CASCO "Rosgosstrakh". Ukuvuma icala yomshuwalense, inkampani yomshuwalense wenza yokukhokha CASCO ukulungisa imoto Mazda e inani ruble 500 000. Ngakho, ukubakhokhela isinxephezelo isisulu ukuze "Rosgosstrakh" LLC idluliselwe ilungelo lokufuna isinxephezelo ngenxa yomonakalo kumuntu obhekene ngozi inkampani yomshuwalense okuyinto oVikelwe okubhekene yomphakathi isephulamthetho «RESO-Isiqinisekiso" ngaphansi kwale pholisi yokuqeqeshelwa umshwalense motor TPL. Ukubeka itleyimu isimangalo umshwalense ibangelwa "Rosgosstrakh" ithola isinxephezelo ngaphakathi komkhawulo ayimpoqo motor TPL umshwalense isibopho sezomthetho eyasungulwa zoMthetho Federal "Ngo ayimpoqo" in inani ruble ayizigidi 120. Ngakho, ubukhulu is zingaphumi "Rosgosstrakh" ukulahlekelwa 380 000, okumelwe wasimama onecala.

Okufanele ukwenze uma uthola isimangalo kusukela subrogation inkampani yomshuwalense?

Ukuze wenze lokhu, okokuqala kunakho konke, kufanele ufune iseluleko ofanelekayo zomthetho. Uma unquma ngokwayo, ngokuvamile VO - ukuzama ukwehlisa usayizi lemali wakhiphisa. Ukuze wenze lokhu, kumele uzijwayeze imibhalo oluthunyelwe ngomshuwalense, ukuze kubhekwe ukuthi inani ukulimala umsebenzi owawenziwa wathola ingozi yemoto (umonakalo ezilotshwe isitifiketi yengozi kanye noMthetho wokuhlola), kunakwe lapho kubalwa ukuthi lemali yokukhokha (KP izimfuno zenziwa ngesisekelo STOA akhawunti kungani acabangele ukuwohloka kwamangqamuzana). Uma isigameko umonakalo izitatimende efanele, futhi kubalwa izimangalo kubhekwe TS ukugqoka, Kulezo zimo kubalulekile zisebenze kokuxilongwa ezimele. Ngesisekelo komthetho kuhlolwa imoto, isitifiketi yengozi kanye nezinye ngesikhathi imibhalo onawo Evaluator esizolungisa umbiko izindleko yokutakula ukulungisa imoto. Lo mbiko, ayokhonza njengamakhosi ubufakazi enkantolo futhi kuyoba isisekelo kuncishiswe inani wakhiphisa yinkantolo, noma ukuqashwa kukaNksz kokwahlulela. Uma ukuhlolwa pre-search, noma uchwepheshe titawusungulwa ukuguquguquka Kusolakala umonakalo ukulimala wathola kule ngozi (empeleni kwalungisa e workshop maqondana inkampani yomshuwalense. Lokhu kungenzeka uma isisulu othi inkampani yomshuwalense ezindabeni eziningana umshwalense, ngokulandelana, musa esehlukanisa uMthethosivivinywa ku ukulahlekelwa ahlukene inkonzo udalula-akhawunti eyodwa), ke wakwazi ukukhonza njengephayona isisekelo aphoyintimenti noma trasological luhlolo autotechnical, imiphumela okuyinto uchwepheshe udet ayifakiwe ekubalweni eziningi ukulimala akuhlobene umcimbi insured. Kulokhu, ngempela zidinga iseluleko sezomthetho. In the ukungabikho nobufakazi obanele isisekelo futhi ukulungisiswa efanele yezomthetho lezi zimo abangaba njengesisekelo ekulahleni isimangalo ngokugcwele.

Ngesikhathi esifanayo, kufanele futhi unake izinhlinzeko zoMthetho para. 2 of Art. 966 we Code Civil owawuthi "Isikhathi komkhawulo izimangalo ezivela ingozi yomshuwalense yimaphi nezibopho ezivela ukulimala ekuphileni, impilo noma impahla nabanye abantu, kuyakuba iminyaka emithathu." Kuleso siyaluyalu, lapho inani elikhulu izimo, kanye nazo zonke izinqubo owandulela ukuqulwa kwecala, izinkampani zomshuwalense ngokuvamile umnqamulajuqu. Uma esikhathini yengozi, ukuze nokufakwa icala, kwathatha iminyaka engaphezu kwengu-3, bese inkantolo kuyadingeka ukumemezela kokuphela kwesikhathi komkhawulo, ezizosebenza njengoba ukwala ngomshuwalense isimangalo ngokugcwele.