Isijeziso somshuwalense owedlule ngo-2015

Ngokusho komthetho, wonke umnikazi wemoto kufanele aqinisekise imoto yakhe minyaka yonke. Inqubomgomo ephoqelekile, okufanele ithengwe, yi-OSAGO. Kodwa-ke, abanye abashayeli abanobugebengu abashayeli ukubhalisa kabusha inkontileka entsha futhi baqhubeke nokuhamba emigwaqeni idokhumenti eliphelelwe yisikhathi. Ngokwemvelo, lokhu kushushiswa ngumthetho, futhi ngenxa yokuphulwa okunjalo kuzodingeka ukhokhele imali. Mayelana nokuthi inhlawulo yomshuwalense obambezelekile ngo-2015 ikhokhiswa, kuzotshelwa kulesi sihloko.

Isikhathi sokuqinisekisa senqubomgomo

Uma usayina inkontileka entsha yomshwalense futhi uyikhokhela, okokuqala udinga ukubuza mayelana nesikhathi sokusebenza kwayo. Leli qiniso limane lidingekile ukuthola, ngakho-ke hhayi ukubuza umhloli: "Iyini inhlawulo yomshuwalense owedlule?".

Esikhathini esedlule kwakunokwenzeka ukuthola i-OSAGO okwesikhashana, okwakunezinyanga ezintathu kuphela. Ngonyaka ka-2015, isikhathi senqubomgomo senyukile sonyaka owodwa. Ngakho-ke, ngemuva kokuphela kwezinyanga eziyishumi nambili ngemuva kokuqedwa kwenkontileka yomshuwalense, umshayeli unesibopho sokunweba i-OSAGO noma ukuthenga entsha kusuka komunye umshwalense. Uma, ngenxa yezizathu ezithile, umnikazi wemoto akakwazanga ukuthenga umshuwalense omusha noma nje ukhohlwe ukwenza kanjalo, inkampani ngokuzenzakalelayo yandisa isikhathi sekhontrakthi eyimpoqo ngaphandle kokubamba iqhaza komnikazi wezinqubomgomo. Uma, ezinyangeni ezimbili ngaphambi kokuqedwa kwenqubomgomo, umshayeli utshele umshwalense ukuthi ngeke avuselele inkontileka, bese inkampani iwuqeda ngosuku olulandelayo ngemuva kokuphela kwesikhathi. Ngakho-ke, umnikazi wemoto akanalo i-MTPL ngaphandle kokuthi yena, uthenge enye entsha kwenye inhlangano.

Umshuwalense owedlule kanye nezingozi - imiphumela

Ngokuvamile kunezimo ezinjalo uma kwenzeka kwenzeka ingozi, iqembu lecala linomgomo we-MTPL owedlule. Yini okufanele uyenze nokuthi yisiphi isijeziso somshuwalense owedlule kulokhu? Iqiniso liwukuthi kunezinketho eziningana, kuye ngokuthi iyiphi inhlawulo ezobalwa. Isibonelo, kunesikhathi sokusebenza kwenqubomgomo, futhi kunesikhathi sokusebenzisa imoto yomshuwalense. Uma umnikazi wemoto esebenzisa imoto kuphela izinyanga ezimbalwa ngonyaka, inkontileka yomshuwalense ibonisa le nkathi. Uma kwenzeka engena ngemuva kwesondo enyangeni engabhalisiwe kwinqubomgomo, futhi wenza ingozi, i-OSAGO yakhe izobhekwa njengengaphezu kwesikhathi. Khona-ke lowo ophulikayo usongelwa ngesigwebo sokuphatha, esibhalwe yisikhulu samaphoyisa esitimela. Isijeziso somshuwalense owedlule we-OSAGO uzoba ngamaruble angu-800. Ingakhokhwa kunoma yiliphi igatsha lebhange noma nge-terminals yokukhokha usebenzisa uhlelo lokukhokha. Ngendlela, ukubuyisela umonakalo obangelwa yilabo abalimele kuyoba yimbangela yengozi, hhayi inkampani yomshuwalense.

Isijeziso sokushayela umshwalense wokudlula isikhathi

Uma kwenzeka umhloli wemoto eyeka imoto, futhi umshayeli wayengenayo inqubomgomo yomshuwalensi oyimpoqo, uyomloba ama-ruble angu-500. Ngempela, kunezimo lapho i-OSAGO ihlala ekhaya ngenxa yokukhohlwa okuvamile. Khona-ke umnikazi wemoto angafaka isikhalazo ngokumelene nesinqumo sesiphathimandla samaphoyisa emgwaqweni kwinqubo yokwahlulela. Lokhu kuphela okumele kwenzeke kungakapheli izinsuku eziyi-10 ngemuva kokukhishwa kweprotocol. Leli qiniso alisho ukuthi ukutholakala kwenqubomgomo esebenzayo kuvumela abashayeli ukuba bahambe ngaphandle kwalo. Ngakho-ke, umshuwalense wamanje kufanele ube emotweni ngesikhathi umshayeli ewuthatha. Ukungabi khona kwayo kuyisicala, bese umnikazi wemoto uzokhokhiswa ngesigwebo sokuphatha sama-ruble angu-500 futhi afakwe njengesijeziso somshwalense ongaphezu kwesikhathi.

Ngingayandisa kanjani inqubomgomo?

Kwanele ukufika ehhovisi lenkampani bese ubhala isitatimende ekwandiseni ukufaneleka kwalo. I-agent izokwenza lezi zinguquko ku-database bese ubhalisa inkontileka entsha yonyaka owodwa. Umshayeli udinga kuphela ukukhokha i-CTP ngezinkokhelo ezizosebenza esikhathini esizayo.

Uma umnikazi wemoto ebanjwe eqinisweni lokuthi wayeshayela imoto ngesikhathi esingalungile esichaze enkontileka, ngaphezu kokuthi uzokhokha inhlawulo yomshuwalense ophuzile, ngakho-ke kuyodingeka ukhokhe imali eyengeziwe ngenqubomgomo.

Indlela yokubhala omunye umshayeli

Kunezinketho uma imoto ikhishwa enkampanini, futhi umshayeli owulawulayo, uhambelana nomshuwalense. Uma lokhu kungenzeki, uma kwenzeka ukuyeka nokuhlola amadokhumende, inkokhelo izokhishwa yinkampani. Ngakho-ke, ngaphambi kokuthumela emgwaqweni wabasebenzi babo, kufanele uqinisekise ukuthi bonke banelungelo lokushayela le moto. Ukuze ufake inqubomgomo yomshuwalense wabantu abazophatha imoto esikhathini esizayo, kuyadingeka ukwazisa i-ejenti yenkampani lapho usayine inkontileka. Isici sokubala sizobe sehluke kakhulu kunalokho uma kubalwa umshayeli oyedwa. Kukhona umbuzo ozwakalayo: "Futhi kungakanani umshwalense we-inshuwalense ongaphezu kwesikhathi oyobe usesimeni?". Konke kuhlale kufana nabantu ngabanye, okungukuthi, ukwenqaba umshwalense - ama-ruble angu-800, umshuwalense okhohliwe - ama-ruble angu-500.

Uma umshayeli omusha evele ngemuva kokuba inqubomgomo ikhishwe, kufanele uhambe ngokushesha ehhovisi lenhlangano bese ukhokha imali eyengeziwe yokwenza izinguquko ekubalweni komshuwalense.

Amathiphu awusizo

Ngakho-ke, kusukela ngenhla, singaphetha ngokuthi kunezinhlobo eziningana zezigwebo zokuphatha ngokuntuleka kwenqubomgomo. Futhi yiluhlobo luni lokuhlawuliswa yomshuwalense owedlula isikhathi oluzobhalwa yipolisi yethrafikhi, kuzongenqunywa kuphela kuye kuye ngokuthi isimo. Inkohlakalo ehlukumeza kakhulu, ngokusho komthetho, kuyoba ukukhanuka komshayeli ukuqinisekisa ukubophezela kwakhe, okudingeka ukuthi akhokhele ama-ruble angu-800. Futhi ngakho njalo lapho ivaliwe. Kwezinye izimo, njengoba kushiwo ngenhla, inhlawulo yama-ruble angu-500 kanye nokukhishwa kwamapuleti elayisense kuzo zonke izimo.

Ngokwemvelo, kuyobe kuyithengwa ukuthenga inqubomgomo eyodwa, kunesikhathi ngasinye sokukhokha imali yomshuwalense obambezelekile. Ngaphezu kwalokho, njalo ngonyaka inani lemiklomelo liyakhula, futhi maduzane lizolinganiswa nenani eligcwele lenkontileka yonyaka yokuvikelwa kwecala lomuntu wesithathu.