Kungani uDorothy Car Insurance

Ngo-2011, abanikazi bezimoto baye baqaphela ngokuphindaphindiwe ukwanda kwenani lomshwalense we-TPL oyimpoqo futhi bakhathazeke kakhulu ngalokhu. Ngesikhathi esifanayo, kulindeleke ukuthi ukwanda kwentengo kulindeleke. Iyini isizathu salokhu?
Ngokusho kweRussia Union of Auto Insurers, ukwanda kwemali yomshuwalense, okwenzeka ngoJulayi 2011, kwakulindelwe. Ngesikhathi esifanayo, izinkampani zibheke ukuthi ukukhula kwamanani angeke kwanele futhi kulungiswa izinguquko ezintsha.
Ngokomthetho wamanje, uHulumeni angalungisa amanani okukhokhiswa kwemishini yomshuwalense we-TPL kanye nezinyanga eziyisithupha. Ngesikhathi esifanayo, abanikazi bezimoto, abavame ukusebenzisa i-calculator ye-intanethi, bhala amacala amabili kuphela okwenyuka kwentengo eminyakeni eyisishiyagalombili yokugcina ye-OSAGO Act. Izimoto zaseRussia zishintshe kakhulu eminyakeni, empeleni, yavuselelwa. Ngenxa yalokho, usayizi ojwayelekile wezinkokhelo zomshuwalense wensimbi wanda. Ngaphezu kwalokho, ukwehla kwamandla emali kuye kwaholela ekukhuleni kwamanani ezinhlangothini ezithintekayo kanye nezindleko zesikhathi esivamile esiteshini sesevisi.
Izindleko zezimoto ezithengiswa ngonyaka zikhuphuka ngo-30-40%, kodwa ingqalasizinda yomgwaqo ihlala iyafana. Ukubolekwa kwabathengi kusezingeni lokukhula, ngakho-ke iningi labashayeli abasha abanezinga eliphansi kakhulu lokuqeqesha lihlala ngemuva kwesondo lemoto. Konke lokhu kwabangele ukukhula kwezingozi emigwaqweni, ngakho-ke, kwaholela ekulahlekelweni kwabashuwalense be-OSAGO.
Muva nje, ivolumu yezibopho zabashuwalense iye yanda. Igebe phakathi kwezibopho zezinkampani kanye nenani lemali yomshuwalense, ngokwemibono yabameleli be-RSA, ingafinyelelwa kuphela ngokulungisa amanani kanye nama-coefficients. Eminyakeni edlule, abanikazi bezimoto abasebenzisa ukubalwa kwe-CASCO umshuwalense kanye ne-OSAGO, babone umkhuba owingozi. Ngonyaka odlule, izinkampani ezingu-26 zashiya emakethe, futhi eminyakeni eyisishiyagalombili ama-SAR ayebuthakathaka kakhulu, njengoba iNyunyana ishiya izinkampani ezingu-60. Abaningi bezinkampani zomshuwalense bazitshela ukuthi bahluleka, njengoba izinga lokukhula lokukhokhwa ngokweqile lidlula izinga lokukhula kwama-premium.
Ngenxa yalokho, ukwanda okungavamile kwamanani ezinqubomgomo ze-OSAGO kwakudingeka. Uma lokhu kungeke kwenzeke, imakethe ingaba nesithombe esivusa amadlingozi. Ngokusho kwezinkampani zomshuwalense, kuzokwazi ukukhuluma nganoma yimuphi umphumela wamanani amasha kuphela ngonyaka ozayo, lapho bonke abanikazi bezimoto bezoba nesikhathi sokubuyisela izinqubomgomo. Ngesikhathi esifanayo, abahlanganyeli be-SAR bakhomba ukuthi ukulungiswa kuphela kwamanani kanye namanani okukhokha ngeke kube ngokwanele. Uma izinkampani zinquma ukwandisa imikhawulo yemibango yomshuwalense, lokhu kuzoholela ekukhuleni okusha kwezintengo zemigomo yomshuwalense.