Imithetho ye-OSAGO: ngokufishane mayelana nokuyinhloko

I-OSAGO ibhekisela kumshuwalense ophoqelekile. Zonke izakhamizi zaseRussian Federation ezenza ukuphathwa kwanoma yiziphi izimoto ezweni lakithi ziphoqelekile ukuthola inqubomgomo yomshuwalense wezinkampani zangaphandle. Ukungabikho kwenqubomgomo yomshuwalense we-MTPL kuhlanganisa ukufakwa kwehlawulo.

Ngokungafani ne- CASCO, izinkokhelo ngaphansi kwalezi zinqubomgomo zenziwa kuphela kubantu abaqashelwa njengezisulu engozini. Ukukhokha isinxephezelo kwenziwa ngokheshi futhi emva kokuhlolwa.

Isimiso somthetho

Umbhalo oyinhloko olawula ubuhlobo phakathi kwenkampani yomshuwalense nomnikazi wemoto okuyikhasimende lakhe yiMithetho ye-OSAGO. Iqukethe ulwazi oluphelele kakhulu ekuphethweni, ekuqedeni, kanye nokwandiswa kwenqubomgomo yomshuwalense.

Yimithetho ye-OSAGO elawula uhlu lwamaphepha ukuthi umshwalense angadinga ukubhaliswa kwomshuwalense. Ngokuvamile lena ipasipoti, ilayisense yokushayela kanye namaphepha emoto. Ngo-2013, izichibiyelo zenziwe kwimithetho yomshuwalense: OSAGO manje ikhishwe kuphela ekubonisweni kwesitifiketi sokuhlola imoto.

Ngaphezu kwalokho, lo mthetho ulawula isikhathi lapho inqubomgomo ye-MTPL ingakhiwa khona. Imithetho ibeka ukuthi inkontileka yomshuwalense ingangenwa okungenani izinyanga ezintathu. Ekupheleni kwalesi sikhathi, inqubomgomo ingadluliselwa, kepha ayikho ngaphezu kwezikhathi ezimbili. Isikhathi esiphezulu sesikhathi sokuqinisekisa somshwalense yomshuwalense unyaka owodwa.

Ukwenza inqubomgomo ye-OSAGO enkampanini efanayo yomshuwalense, umshayeli angathola isaphulelo ngokungabikho kwezingozi. Ngaphambilini, ngokukhululeka kokushintsha umshwalense, umshayeli angakwazi ukufihla amaqiniso okuhlanganyela kwakhe engozini. Noma kunjalo, imithetho emisha ye-OSAGO iye yasungula imikhawulo kule simo. Manje kunesidingo esisodwa se-insured abantu, ngenxa yokuthi izinkampani zomshuwalense zingakwazi ukuhlola kalula umnikazi wemoto ngesimo esingenenkathazo.

Kusukela ngoJanuwari 1, zonke izinkampani ezinjalo ziphoqelekile ukudlulisa idatha ekupheleni kwezinkontileka ze-OSAGO ohlelweni olulodwa. Manje, i- premium yomshuwalense ibalwa kuphela emva kokubhekisela kumthombo onjalo. Ngakho-ke, izinkampani zomshuwalense ziphoqelekile ukuba zinikeze izaphulelo zokushayela ngaphandle kokungena engozini, kodwa futhi zenze amaphrimiyamu uma kwenzeka izingozi, i-culprit ye-insured.

Kuyasiza futhi ukwazi ukuthi uma uthengisa imoto ngaphambi kokuphela kwenqubomgomo ye-OSAGO, umshayeli unelungelo lokuqeda isivumelwano. Kule nkinga, inkampani yomshuwalense kufanele ibuyisele ingxenye yemali yomshwalense ekhokhelwa .

Iqiniso elithakazelisayo ukuthi kusukela ngonyaka wamanje, lapho inkontileka yomshuwalense ingena ngokuphindaphindiwe nomshuwalense ofanayo, akudingekile ukunikeza imibhalo yokuqala.

Kubalulekile ukuqonda ukuthi imithetho ye-OSAGO, kanye ne-SDA, kufanele ifundwe yibo bonke abashayeli. Ulwazi lwedokhumenti luzosiza ukuziphatha ngendlela efanele nenkampani yomshuwalense uma kunesidingo sokuthola isinxephezelo.