Bwererani CTP pamene kugulitsa galimoto: zikalata ntchito

Mtengo Kuchuluka kwa CTP limalimbikitsa eni kugulitsa galimoto, kubwerera gawo makuponi inshuwalansi. Chigumukire mafunso imagwera pa maonekedwe apadera ndi Websites boma la inshuwalansi akuda. Recent monyinyirika ndemanga pa nkhaniyi ndi zambiri mphwayi malangizo. Bwererani CTP mu kugulitsa galimoto, ndithudi, zotheka, koma pali mbali yomwe atsogolere kugwilizana ndondomeko.

Mfundo ndi malamulo

Kubwerera CTP mu kugulitsa galimoto ayenera kutsatira zikalata izi:

• FZ anailemba 25.04.02, monga kukonzedwa ndi 05,2016 "Pa inshuwalansi mokakamiza udindo wachibadwidwe wa eni galimoto" (Article 10);
• malamulo mokakamizidwa mwakuchita Bank ku Central Akuluakulu a ku Russia ndi Malamulo a Bank Russia (№ 431).

Ndipo ochepa choonadi zosasintha:

• Pa kulenganso galimoto za eni watsopano masiku khumi okha.
• Wogulitsa TC afunika awadziwitse insurer wa malonda mgwirizano wangwiro.
• Malamulo mokakamizidwa galimoto TPL inshuwalansi (ndime 1.9) amatithandiza ndi makasitomala a kampani ya inshuwalansi kuti kusintha kwa galimoto kapena insurer si anapereka CTP lapansi. Ndiko kuti, m'mikhalidwe pamwamba, mgwirizanowo inshuwalansi amathera kanthu malamulo. Ndipo izi ndi maziko obwezeredwa wa CTP pa galimoto zogulitsa.
• Insurance reimbursement, kaya kapena ayi iwo anali mu nkhani ya kuchotsa mgwirizano sadzakhala kulengeseka.
• Documents natsimikiza kusintha mwini wake wa galimoto, kwa ulaliki wa insurer ndi zifunika.
• Mgwirizanowo, imene inali yonyamula galimoto ku malo a kalembera, simungathe kuletsa.
• Mukhoza kutsirizitsa mgwirizano kokha ngati anamaliza kwa chaka.

Kuyamba

Mokakamizidwa Bwererani malonda galimoto ngati pali chifukwa chomveka malamulo okhazikika CTP, ndime 33.

Bwererani unspent kuchuluka kwa inshuwalansi kwa UK ndi disadvantageous kwambiri. Choncho, akatswiri amalangiza kuti afunefune thandizo la maloya. Ndondomeko amafuna akonzedwa zina zolembedwa. Mmodzi wa iwo - mawu. Analemba nkhope yake, alowa mu mgwirizano ndi kampani ya inshuwalansi. The chikalata Palibe dongosolo amodzi. Choncho, aliyense kampani ya inshuwalansi amapereka mawonekedwe ake anayamba. Koma mokulira, chifukwa obwezeredwa CTP pamene kugulitsa galimoto muli mfundo izi: deta pasipoti ya inshuwaransi, deta pa galimoto inshuwaransi, nambala inshuwalansi mgwirizano. Mfundo makamaka kumasonyeza kuti umboni kuchotsa inshuwalansi. mumve zambiri zidzakhala zofunikira kwa kulanda ndalama (dzina banki, BIC, kutsogolo, mtolankhani ndi nkhani panopa ndi zina zotero.).

thupi imakhala pempho yofunsira kuchotsa mgwirizano wa inshuwalansi chifukwa cha malonda a galimoto, ndi chifukwa, kusintha kwa umwini. Komanso petitioner ayenera Nenani limanena awiri amene analibe nthawi kuti ntchito, ndipo zimenezi zinalembedwa mu mawonekedwe a premiums. Izo ukutha ndi mawu opempha obwezeredwa mfundo pamwambapa.

Aliyense ntchito ayenera mayina monga chikalata ndi ukubwera. Avtoyuristy tikulimbikitsidwa kuti apereke buku la anamaliza chikalata, ndi chiwerengero alembedwa ukubwera ndi tsiku kulowa. Mungagwiritse ntchito pa munthu, ndipo akhoza kukalembetsa kalata kudzera positi Russia. Pankhaniyi, muyenera kupempha kubwerera chiphaso ndi kupanga kufufuza mwatsatanetsatane chikalatacho akachita. Yachiwiri makamaka lipindulitsa ngati zikalata ndi sanalandire mu ofesi.

Ngati ntchito satenga

Nthawi kulephera chiphaso ntchito ndi phukusi la zikalata kwa obwezeredwa inshuwalansi. Zosintha kutumiza makasitomala ku ofesi ya mutu: Iwo mtundu ngati, sakuvomeredwa kuchita izo. Izi siziri zoona. Pakuti kuchotsa mgwirizano - izi ndi imodzi mwa njira yosavuta, amene adzakhala mu ofesi aliyense wa kampani ya inshuwalansi. Kaya ndi dera, mwana kapena wina aliyense.

Documents kwa CTP kubwerera pamene kugulitsa galimoto

Iwo conventionally kugawidwa m'magulu awiri. Mmodzi wa iwo - zazikulu, chofunika gulu lirilonse inshuwalansi, kaya chifukwa kuchotsa mgwirizano. The chachiwiri limasonyeza ndi kutsimikizira kuti chofunika kubwerera CTP pamene kugulitsa galimoto.

M'munsi gawo palinso mabuku awa:

• apachiyambi buku notarized ya pasipoti ya kasitomala, kudzapereka mgwirizanowo;
• ndi inshuwalansi kuti zidzatsekedwa (wokha wapachiyambi, ndi zofunika kusiya buku palokha, kumene zofunika Kuthi a);
• chiphaso kapena pakompyuta chikalata chotsimikizira malipiro a CTP;
• mfundo banki ndi ndalama zimene obwezeredwa (masitepe ndi ndalama analola) adzakhala umatulutsa.

Mndandanda wa mapepala natsimikiza kugulitsa galimoto, angapezeke ambiri a kampani ya inshuwalansi. Koma kawirikawiri izo ndi:

• Thandizo-nkhani (ngati pali malonda ndondomeko);
• Title ndi mbiri ya kusintha kwa umwini ndi pangano olembedwa mayina a zogulitsa.

Deti la kubwerera kwa inshuwalansi umafunika pa MTPL galimoto malonda tidzakambirana tsiku kugonjera mapepala.

Ponena za TCP. Amafuna buku wapachiyambi kapena wa bwana IC alibe ufulu. Malamulo kugulitsa galimoto zikutsimikiziridwa ndi mgwirizano wa zogulitsa.

mawu

Bwererani MTPL inshuwalansi pa malonda a galimoto zimatengera ntchito masiku ochepa. Kampani kumabweretsa mfundo imeneyi kwa kasitomala pa mapeto a phwando zikalata.

Koma UK makasitomala ayenera kudziwa kuti ndondomeko chilichonse mwachita ndi makamaka inshuwalansi kampani sangathe upambana masiku 14. wakudziko Izi zalembedwa mu ndime 34 CTP lamulo. Apo ayi, chilango cha zoyikidwa ndi a UK, ndi obwezeredwa kuchuluka udzakhala wautali ndi kupatsa chilango. Ngati kampani ya inshuwalansi akuzengereza kusankha ake, kasitomala mwina kugonjera dandaulo olembedwa kuti Bank ku Central la Chitaganya cha Russia (munthu kapena kudzera webusaiti) mu Njinga inshuwalansi akuda Union kapena amati bwalo (pa malo a mayina ofesi ya SC a). bwalo la milandu kwambiri wosakwiya kuganizira Zikatero, kotero avtoyuristy amalangiza kuyambira Bank wa Central.

Nthawi zina, ndi SC mwina amakana ndalama za CTP pa galimoto zogulitsa. Izi zingakhudze chiwerengero cha zochitika zenizeni.

Galimoto eni, akuthamangira msanga akagulitsa, ayenera kudziwa kuti Mukabwerera kwa nthawi ya malipiro a mwini lasintha, ndiye ndalama apeza kale. Avtoyuristy mwamphamvu amalangiza kuti inu choyamba muthetse onse ndi inshuwalansi kampani, kenako adzapha galimoto mwini latsopano.

Koma malamulo imeneyi yakuthandizani masiku khumi okha. Pali zifukwa kuti akakole Choncho, ziziyenda odziwa akulangizidwa kutenga mwini latsopano chiphaso cha kubweranso kwa chipukuta misozi CTP, ndi woyenera mu mfundo.

Bwererani anapangidwa osati pa policyholder ndi

Pezani otsala kuchuluka kufunika kwa mfundo, ndi insurer mulole kuwonjezera:

• inshuwaransi wolowa anazindikira ndi odziwitsa;
• Woimira mlandu insurer ndi;
• Woimira malamulo a mwini;
• wolowa mwini galimoto, ndi anazindikira odziwitsa.

Oimira m'pofunika kutsatira kubwerera CTP pano mphamvu ambiri a loya. Ndipo ayenera pali mfundo za akumatchula kuthekera wotuluka ndalama.

Tikutsata ndondomeko za kuwerengetsa kuchuluka kwa alipire

Pa Intaneti pali malo ambiri amene kupereka mawerengedwe mwamsanga ndalama CTP makuponi. Koma inu mukhoza kuchita izo pamanja. Pali chilinganizo cha boma.

Izo zikuwoneka ngati izi:

D = (P - 23%) × (H ː 12), momwe:

• 23% - muyezo mlingo UK (zikutanthauza ndalama zina za insurer a);
• N - chiwerengero cha miyezi zonse lisanathe mgwirizanowo inshuwalansi;
• P - mtengo zonse za ndondomekoyi;
• D - kuchuluka kwa obwezeredwa lapansi.

chiwongola dzanja ofunitsitsa ndi lamulo la Bank ku Central la Chitaganya cha Russia. Iwo ali motere.

ndalama insurer a mzati weni weni wa 3% zopereka kwa akuti sar. Chiyani? kuchuluka Izi kunditumiza ku nkhani malo kumene malipilo yaperekedwa. Komanso, 2% - pa malo panopa, ndi wina - kungakupatseni.

20% kukhalabe kampaniyo. Iwo amapita pa akuthamanga ndalama ndi kukonzanso zinthu kasitomala. Izi zikuphatikizapo utumiki inshuwaransi, yokonza inshuwalansi, kupanga ake, ntchito njira zosiyanasiyana, malipilo wogwila ntchito amakonzekera zikalata ndi zina zotero.

Kuti ndi maziko mawerengedwe ndi otsala 77%.

Deti la Buku deti la kufalitsidwa kwa inshuwaransi ofesi kampani. ganizoli akuti ndi tsiku kusainira kugula mgwirizano.

Avtoyuristy Board tentatively kugwira kuwerengetsera palokha, kotero kuti vuto la chinyengo ndi inshuwalansi kampani kuti akambirane.

A MPATUKO ang'onoang'ono

Mwalamulo paliponse kuyesetsa anthu ambiri 23%. Mwachitsanzo, kubwerera pa malonda a MTPL galimoto "Rosgosstrakh" chikutsimikizira kuti pali "mwagwirizana pangano" la zipani. Mulimonsemo, zinthu mantha. Tsopano pafupifupi 20% kupita khalidwe la malonda a insurer a. Ngati mgwirizanowo inshuwalansi si kutsazikana oyambirira, ku kampani ya inshuwalansi zimatengera chiwerengero izi? Nditakhala onse a mtundu womwewo? Ndiko kuti, si malo bwino chifukwa cha phindu chidwi pa kuchotsa oyambirira. Funso n'kumamuyang'anitsitsa. Ngati wambirimbiri kuwerengetsera wake, n'zomveka, motsogozedwa ndi Article 958 la Civil Code ndi ndime 34 ya malamulo a CTP, ndikhudze mlandu kukhoti ndipo amafuna kuti achire ndalama operekedwa malamulo popanda kutenga nkhani 20% ali ndi kulipidwa.

Oddly zokwanira, ambiri amanena izi tatsimikiza ndi bwalo la milandu zabwino, kuyambira (onani pamwamba) chilamulo sasamalira malangizo omveka bwino pa posungira wa kampani ya inshuwalansi 23%.

Muyenera kulipira ndalama za boma. Koma kupanga ofunsira kuti obwezeredwa MTPL ndondomeko pa malonda a galimoto, adzakwapulidwa atamaliza yosonkhanitsa amalipiritsa kulembetsa.

"Ingosstrakh" amapereka chiwembu ake

Makasitomala amene inshuwaransi galimoto udindo mu UK "Ingosstrakh", choyamba ponena za zolinga zake pa foni. woyang'anira limamveketsa zinthu ndi kupereka uphungu, kuphatikizapo pa phukusi la zikalata zofunika kuchotsa lapansi. Akayamba wokonzeka, insurer adza kwa ofesi yapafupi, amadzaza mu chikalata chofunsila, amene amafotokoza chifukwa kuchotsa ndi n'chakuti mfundo za obwezeredwa ya mtengo wa malamulo.

Ngati anakana, chifukwa?

Childs, izi ndi mankhwala atsopano kwa CTP kubwerera mawerengedwe pamene kugulitsa galimoto. Ngati tsiku kugula galimoto Papita masiku oposa 60, inshuwalansi kampani ali ndi ufulu wokana. Apa ife tiyenera kumvetsetsa kuti insurer adzakhala makhalidwe mawerengedwe kuchokera tsiku kugulitsa galimoto, ndipo pambuyo tsiku la kampani kuti chikalata malamulo.

Komanso inshuwalansi kampani akukana kulipira mlandu wa kugulitsa galimoto mphamvu ambiri a loya. Pakuti mwini malamulo a galimoto akanali yemweyo.

mokoma chidwi

Ena kampani ya inshuwalansi kupereka kusamutsa bwino latsopano ndondomeko MTPL. funsoli ndi ufulu wosankha kasitomala.

Kodi ndifunika bonasi?

Koma Mulimonsemo, maloya kulabadira ziziyenda pa mbali monga MSC lapansi. Izi chiŵerengero cha bonasi-malus, anditchaja galimoto otetezeka. Izi zimachitika zokha kumapeto kwa chaka inshuwalansi. Ndipo, ngati inu mukudziwa, MSC ali, kuchotsera zambiri chikuyembekezera inshuwaransi pamene pogula ndondomeko yatsopano.

Komabe, vuto la oyambirira kuchotsa mgwirizanowo CTP, chifukwa chirichonse, ndi koyefishienti wa bonasi-malus si mlandu. Choncho ndi bwino kuganizira. Mwina, ngati lisanathe mfundo akhala miyezi iwiri kapena itatu, ndiye ndi bwino kusunga mgwirizano mu mphamvu ndi kudzipereka kwanu (chosanditsutsa panjira) kuchotsera mu mawonekedwe a kuchuluka KBM.

Ndingatani ndalama?

Mokakamizidwa Bwererani inshuwalansi pamene kugulitsa galimoto sangathe kudzapereka (pokhalabe 23% asonyezedwa SC). Ngati pali kudalira wogula, ndi CTP chabe angandisindikizirenso, ndipo amabwerera makuponi inshuwalansi mwini latsopano. Pakuti ichi ndi pangano olembedwa pakati okalamba ndi mwini latsopano kubwera kwa muyezo winawake. Ndi yotani ndi odziwitsa a. Inu mukhoza kupita njira zina ndi kukonza oyamba a mwini zatsopano panopa udindo inshuwalansi ndondomeko chida monga item osiyana mu mgwirizano wa zogulitsa. Wogula mu nkhani iyi, analemba mawu amene akufunsa kuti mu ndondomeko yowona.

Ndipo mwa njira, insurer alibe ufulu wokakamiza deduction zina ngati malipiro kuti anatchulidwa pansi pa malamulo a mwambo inshuwalansi.

Ndipo potsiriza,

The Union Russian wa Auto inshuwalansi akuda kuchenjeza eni galimoto, kugulitsa awo. Amadziwika kale milandu chinyengo, eni watsopano galimoto amakwanitsa kubwerera inshuwalansi makuponi (analipira ndi insurer yapita) yokha. Choncho kukokera ndi zolembalemba mu UK sangakhale!