IzimaliUmshuwalense

Isijeziso se-OSAGO: kanjani ukubala?

Kusukela ngo-2014, kwenziwa izinguquko emthethweni. Manje izinkampani zomshuwalense ezingqubuzana nemibandela yokukhokha isinxephezelo zibophezele ukukhokha okulahlekelwe ku-OSAGO. Ubukhulu bayo buxhomeke enani lemali yokukhokha kanye nesikhathi sokubambezeleka. Ulwazi oluningiliziwe mayelana nokuthi nini futhi kanjani ukulahlekelwa yomshuwalense we-TPL oyimpoqo kubalwa, funda.

OSAGO

Kusukela ukwethulwa kwe-OSAGO kuye kwaba nethonya elihle esimweni emigwaqweni yaseRashiya nasekuthuthukiseni imakethe yomshuwalense. Naphezu kokushiyeka, i-OSAGO iyaqhubeka nokuthuthukisa. Noma imuphi umnikazi wezimoto kumele aqinisekise ukuthi ubophekile. Uma ufaka isicelo enkampanini, ukubalwa kwe-premium kwenziwa. Intengo yenqubomgomo ixhomeke ezimweni zokulungisa, amanani, kodwa ilawulwa ezingeni lezomthetho.

Isibonelo, intengo yenqubomgomo yomshuwalense weloli lange-120 l. Nge. Ngonyaka onenombolo engenamkhawulo yabantu abaneminyaka engaphezu kwengu-22 abanokuhlangenwe nakho kokushayela okuyiminyaka emibili abavunyelwe kubaphathi, eBerdyansvka naseMoscow kuzoba okuhlukile.

Umthetho

Ngokomthetho wezomthetho, inhlawulo yindlela yezimali ukuthi iqembu elilodwa ekuthengiseleni libophezele ukukhokha enye uma imigomo yesivumelwano ingahlangatshezwanga.

Inhlawulo yomshuwalense we-TPL eyimpoqo ingasetshenziselwa inkampani yomshuwalense eye yenza ukuzilibazisa ekucubunguleni izimangalo ezivela kumshayeli noma uma ucubungula izicelo zezinye izinkokhelo.

Ku-Federal Law No. 40 "Ku-OSAGO", amalungelo kanye nezibopho ze-UK, umthwalo wayo uma kwenzeka ukwehluleka ukufeza izibopho zalo kunqunywe. Ikakhulukazi, umthetho uhlinzekela ukukhokha okugunyaziwe kwesigwebo uma kwenzeka:

  • Ukuphazamiseka ngesikhathi sokukhokha noma ukukhishwa kwesikhashana sekukhokhwa kwemoto (lo mbhalo ukhombisa isikhathi esiphezulu sokuqedela umsebenzi) ngephutha lomshuwalense;
  • Ukungabikho kokugcinwa kwesikhathi sokukhokha, uma leso simo sishiwo isivumelwano.

Zonke lezi zinkinga zixoxwa ngokuningiliziwe ngoku:

  1. I-Civil Code.
  2. I-FZ No. 4015-I "On Companies Companies".
  3. I-FZ No. 40 "Ku-OSAGO".

Indlela yokubala ukulahlekelwa kwe-OSAGO?

Uma inkampani yomshuwalense iphula imigomo yokukhokha, kufanele ikhokhele inhlawulo - 1% yemali. Ukubalwa kwezinhlawulo ze-OSAGO kwenziwa ngokwezifiso ezilandelayo:

H = D x (1: 75) C x B: 100, lapho:

Н - inhlawulo yomshuwalense we-TPL oyimpoqo;

  • D - inombolo yezinsuku ezidlulile;
  • C yizinga lokunciphisa;
  • B yinani lesinxephezelo esinikezwe inkontileka.

Usuku lokubhaliswa kweresidi yokukhokha liphinde lucatshangelwe ekubalweni. Ama-nuances angavela lapho elungisa imoto. Isibopho sekhwalithi kanye nesikhathi somsebenzi kulala nomshuwalense.

Uma leyo nkampani ingazange ikhokhele isinxephezelo nhlobo, ukubalwa kuzokwenzelwa inani lemali. Uma ukukhokha okuyingxenye kusenzile, ukulahlekelwa kuzobalwa ngesisekelo semali esele yesikweletu. Endabeni yokhipha ukuhanjelwa, le mali izoxhomeka ngesikhathi sokuthola.

Izilinganiso

Umthetho unikeza imingcele yokukhokha. Uma umonakalo wabangelwa:

  • Impahla kuphela - ama-ruble ayizinkulungwane ezingu-400;
  • Ukuphila nempilo - ama-ruble ayizinkulungwane ezingu-500.

Omunye umkhawulo wukuthi inani lejaji angeke lidlule inani lemali eqinisekisiwe ngaphansi kwenkontileka. Isicelo sokulahlekelwa yomshuwalense we-TPL wemoto esiphoqelelwe kufakwe enkampanini njengengxenye yezinqubo zangaphambi kwecala. Icacisa imininingwane yokudluliswa kwemali.

Izibonelo

Umshuwalense wawunakekele imigomo yesinxephezelo sokulahlekelwa nokukhokha isikhathi eside izinsuku ezingu-20. Inani lesinxephezelo yizinkulungwane ezingu-120. Ngolunye usuku lokubambezeleka yi-120 x 0.01 = ama-ruble ayizinkulungwane ezingu-1.2. Ukuze uthole inkokhelo, iklayenti kumele uxhumane nenkampani ngesicelo esifanele.

Ngemuva kwengozi, imoto yabhidliza inani lama-ruble ayizinkulungwane ezingu-150. Iqoqo lamadokhumenti eligcwele lokukhokha isinxephezelo lidluliselwa enkampanini ngoSepthemba 1. Kusukela ngo-Septhemba 30, ukukhokha akutholakalanga. Ukulibazisa okuphelele yizinsuku ezingu-10. Ngosuku ngalunye lokulibala, inkampani kumele ikhokhe ama-ruble ayizinkulungwane eziyi-1.5.

Isikhathi

Kungakapheli izinsuku ezingama-20 kusukela kokuthola amaphepha egcwele, inkampani yomshuwalense inesibopho sokukhokha isinxephezelo, ukukhipha ukuthunyelwa emsebenzini wokulungisa noma ukunikeza ukwenqaba. Uma kuntuleka kokuthola izimali, umshuwalense ubophezelekile ukwazisa iklayenti ngakho futhi unikeze uhlu oluphelele lwezincwadi ezingekho. Uma kungekho ulwazi oludingekile kumaphepha noma kumadokhumenti akhenge anikezwe nhlobo, inhlangano ingeke ikhokhele inhlawulo kanye neminye isinxephezelo.

Imigomo yokukhokha kokulahlekelwa kufanele icaciswe kwinkontileka. Nakuba le nto ngokuvamile ilahlekelwe yinkampani. Ngakho-ke, emva kwenyanga emva kokwamukelwa kwesinqumo esifanele, kumele ufake ifomu nenkampani nezinkantolo. Amacala anjalo acatshangwa ngokushesha. Kungakapheli izinsuku eziyi-10 ngemuva kokuba isinqumo senziwe, inhlawulo nenxephezelo kufanele ikhokhwe.

Amacala

Uma kuza enkantolo, kubalulekile ukuthi wenze izitatimende ezimbili zokufaka isicelo. Eyokuqala imayelana nokukhokhwa kwemonakalo, kanti okwesibili - ukuthi iklayenti inelungelo lokubikezelwa ngaphansi kwe-MTPL. Zombili izitatimende kufanele zicatshangelwe ngaphakathi kohlaka lokulalela. Esitatimendeni uqobo, kufanele ucacise:

  • Ikhodi yokukhomba yesigungu sezomthetho lapho isicelo sithunyelwa khona;
  • Zonke izidingo zommangalelwa;
  • Zonke izinkomba eziphathelene nezingozi zomgwaqo;
  • Imiphumela yokuhlolwa;
  • Inani lemali yokukhokha inkokhelo nokulahlekelwa.

Inkantolo kaningi yenza isinqumo esihle.

Isijeziso se-OSAGO: ama-nuances

Umhlukumezi angacela isinxephezelo sokulungisa imoto yakhe. Ukhetha indlela yenxephezelo yokulimala: ngenkokhelo noma ngendlela yokukhokha umsebenzi wokulungisa. Uma zombili izinhlangothi zengxabano zisola yengozi yomgwaqo, khona-ke isinxephezelo sikhokhwa ngesamba esifanayo.

Yona kanye inqubo yokwazisa umshuwalense ngengozi ishintshile. Uma ingozi yemoto ibandakanye izimoto ezimbili, abanikazi bayo abanayo i-OSAGO, futhi abangekho nabalimala, ngamunye wabo uphendukela enkampanini yakhe. Kwezinye izimo, kumele ufake isicelo kunkampani yecala.

Inqubo yokubhaliswa kwengozi e-Euro-protocol nayo ishintshiwe. Iqembu ngalinye kumele lazise inkampani yalo zingakapheli izinsuku ezingu-5 zokusebenza. Uma kungenjalo, leli cala lizodinga ukukhokhela umonakalo ngezindleko zakhe. Uma kukhona ividiyo noma isithombe sesigameko, inani eliphezulu lokukhokha enhlokodolobha kanye nesifunda saseLeningrad kuyoba yi-ruble ayizinkulungwane ezingu-400.

Isisulu sidinga ukukhombisa imoto yakhe enkampanini zingakapheli izinsuku ezingu-5 ngemuva kwengozi. Ngesicelo somshuwalense, umuntu wesithathu kufanele abekwe icala. Kumele futhi inikeze imoto ukuba ihlolwe zingakapheli izinsuku ezingu-10 kusukela ngosuku lokuthola isicelo. Umuntu onecala akavunyelwe ukulahla noma ukulungisa imoto zingakapheli izinsuku ezingu-15 zokusebenza, ngaphandle kwalokho isigwebo somshuwalense sokukhokha i-OSAGO nenxephezelo ngeke sikhokhwe.

Umshwalense angase afune ukukhokha isinxephezelo futhi alahlekelwe ku-oda langaphambi kwecala. Uma amaqembu engavumelani, inhlawulo yesibambiso somthwalo wesithathu yemoto kanye nenxephezelo izoqoqwa enkantolo. Abashuwalense baphoqelekile ukuba benze zonke izinkokhelo ku-oda langaphambi kwecala. Nokho, empeleni lezi zimali zingaphansi kwalezo ezidingekayo ngokomthetho kumakhasimende. Ngakho-ke, iningi lalezi zimo lixazululwa enkantolo.

Ezinye izigwebo

Isijeziso yisinye isigwebo esetshenziselwa umshwalense uma kwenzeka ukwephulwa kwemigomo yokukhokha isinxephezelo. Ubukhulu bayo ngokuqondile kuxhomeke ekutheni inani lemali yokuthenga. Uma kwenzeka ukwephulwa kwemigomo yokukhokha isinxephezelo, inkampani kufanele ibuyisele imali engu-1% yesamba sesikweletu ngosuku lokulibala. Uma le nkampani iphula imigomo yokuhlinzeka izikhombisi zokulungiswa, khona-ke kuzodingeka ukuthi ukhokhele u-0.5% wesikweletu. Nganoma iyiphi indlela yokubala, izitolimende azikwazi ukudlula i-premium eqinisekisiwe inkontileka.

Uma, ukuze bathole isinxephezelo, amakhasimende kuzodingeka afake isicelo sokumangalelwa, isinqumo senkantolo sokukhishwa kwemishini yomshuwalense we-TPL eyompoqo izonikezwa isinqumo ngokukhokha okugunyaziwe kwesithakazelo. Lesi yisinxephezelo esikhulu semali sokubambezeleka. Ukudluliselwa kwezimali ngokungenakwenzeka kumuntu ozuzwayo kubhekwa njengokwephula okukhulu kakhulu kwezibopho zomshwalense.

Isigaba se-16 soMthetho we-Federal "On MTPL" sihlinzeka ngemali eqondene nomuntu ngokuphulwa kwezinkokhelo zokukhokhelwa. Uma ngabe isicelo senziwe yiNhlangano Yezokuvikelwa Kwamalungelo Abathengi, khona-ke ingxenye yesigwebo iyakhokhiswa. Inani lesigwebo ngu-50% wenani lemali yesibambiso secala elibhekene nalo. Ayicabangi ngemali eyakhokhwa ngokuzithandela esikhathini sezinsuku ezingu-20, izinhlawulo, enye inhlawulo.

Esinye isibonelo

Ingqikithi yenkokhelo yesinqumo senkantolo yi-ruble ayizinkulungwane ezingu-50. Esikhathini esiphezulu sezinsuku ezingu-20, inkampani yabuyisela kuphela ama-ruble ayizinkulungwane eziyishumi kuphela. Izithakazelo zeqembu elimele kuleli cala yi-OZPP.

Isamba semali = (50 - 10) ı 0,5 = ama-ruble ayizinkulungwane ezingu-20. Kulaba bantu abayi-10 000 bathathwa yisisulu, kanti enye inombolo efanayo - i-OZPP.

Izici

Ingqikithi yesigwebo ayinakudlula inani eliphezulu lokukhokhela uhlobo olufanele lomshwalense nomonakalo.

Uma inkampani yenza amacala amaningana, izigwebo zingacelwa ngamunye wabo.

Ukuze unciphise izinkokhelo, inkantolo ingasetshenziswa kuphela ngesitatimende sommangalelwa futhi kuphela uma izinkokhelo ezibalwe zingavumelani nemiphumela yokwephula.

Zonke izigwebo zisebenza ekubuyiselweni kwenxephezelo evela ku-SAR.

Ukuhambisana nesicelo sekhotho senxephezelo akusiyikukhulula inkampani ngokukhokha izinhlawulo.

Ukulinganiswa kwenani lokukhokha

Cishe njalo, inkantolo igcizelela inani elibalwe lokulahlekelwa. Ngaphandle uma umsolwa engazange avele esimisweni senkantolo, futhi izinqumo ezingekho. Uma inani lesinxephezelo sincane, ukubambezeleka kuncane, kunethuba lokuthi inani ngeke lincishiswe.

Lungiselela ukuhlolwa kusadingeka. Isibonelo, bhala izincazelo ezibhaliwe ezibonisa:

  • Ukungavumelani kwalo nesicelo sokunciphisa isinxephezelo ngenxa yokungabi nasizathu;
  • Bhala zonke izimo ezidingekayo ukunciphisa ukukhokha bese ucacisa izinto ezihlukile ezazingakafiki.

Ikhophi yezincazelo ezilotshiwe kufanele ifakwe ezintweni zokwenza izinto. Uma inkantolo inikeza phansi impendulo, udinga ukukhuluma ngokusheshisa isikhundla sakho, ukuyeka amaphuzu abaluleke kakhulu.

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