Sokuzivikela - nale mfuneko kuphambene nomthetho civil. incazelo imfuneko kwamaciko, izici kanye Ukucaciswa

Sokuzivikela - inkambiso yezomthetho, okubhekisele ezomnotho zezimali kanye yomshuwalense. Ngokuvamile, lo mqondo wabhekana abameli abathintekayo amasudi civil. Ngokusho imithetho emisiwe inhlangano, olungaba isinxephezelo umonakalo, kungenzeka uzivivinya ilungelo Sokuzivikela yezimfuneko umshwalense futhi angafuna lowo okonile isinxephezelo isinxephezelo ikhokhwe. umthetho okunjalo elotshwe Art. 1081 GKRF nezinye iziqondiso. Ngokuvamile ukusebenzisa lolu inkampani yomshuwalense ilungelo, uzama ukunciphisa ukulahleka.

Uyini Sokuzivikela

Lo mqondo ngokuvamile atholakala izimangalo iqondiswe nokubuyiselwa izindleko izinkampani umshwalense, futhi ziqondiswe enjalo izimangalo ibangelwa yengozi. umthetho okunjalo bavela okokuqala yasebhange futhi emkhakheni wezezimali. Bank ukuvusela koSanta esilahla umuntu ekhishwe umthethosivivnywa ayivumelekile, owawuthi ebhange usewenzile kakade ukukhokhelwa. Ingxenye Sokuzivikela isenzo oqondile ezinkantolo.

Kanjani ilungelo Sokuzivikela

Sokuzivikela - lena enemisebenzi kakhulu inkampani yomshuwalense, lapho uzama asebenze. Ubukhulu isinxephezelo kungenzeka kuleli cala kunomkhawulo wemali lezinkokhelo umshwalense. Lo mthetho elotshwe para. 1 we Civil Code st.1081. Ngaphezu kwalokho, izinkampani zomshuwalense angacela nokubuyiselwa izindleko ukuthi iphakame lapho sicabangela izimo umshwalense noma ekuqhutshweni phambi kwenkantolo. Kulo mBhalo, into kumele zifakwe esitatimendeni kwesimangalo.

Umshwalense MTPL izimangalo

I okufana ezivame kakhulu ukuvela izimfuno kwamaciko - isethulo ukumangalelwa inqubomgomo yokuqeqeshelwa umshwalense motor TPL. Kungenzeka-ke ukuthi umshwalense angacela inkokhelo kulezi zimo ezilandelayo:

• Uma yokulimala noma yokufa of isisulu kwabangelwa ngenxa abanezinhloso ezimbi. Ngokwesibonelo, ukushaya, uma senziwa ngokukhethekile, futhi uye kungase kutholakale enkantolo, kuba isikhathi ezothatha inkokhelo ukuze lowo owenze lokho.
• Uma ukulimala kwabangelwa ngenxa umuntu obambe esimweni lokudakwa ongumlutha wotshwala noma isidakamizwa. Ubufakazi leli qiniso ongakhonza izenzo medosvidetelstvovaniya. Sokuzivikela we umshwalense enganeliseki uma yokuthi lokudakwa (noma izidakamizwa) engakaze kungase kutholakale by abasebenzi bezokwelapha. Izenzo ezinjalo anamekwe kunjalo futhi ingasetshenziswa njengendlela ubufakazi nganxanye noma enye.
• Uma umonakalo ngesikhathi kwehla ingozi yomgwaqo kwabangelwa umuntu nganoma isiphi isikhathi esinikezwayo singahambisani nalokho bona banelungelo nokushayela imoto. Lokhu kusho ukuthi izimangalo Sokuzivikela izinkampani umshwalense ngokomthetho eqinile, uma umuntu owenze akanayo izincwadi zokushayela noma abayitholi ke ngenxa yokuphula odlule traffic.

Okunye amacala Sokuzivikela

Lokhu isinxephezelo akakwazanga kube yiqiniso ezimweni lokungaziphathi kahle sangamabomu lapho kwenzeka ingozi. Nokho, ukusizakala leli phuzu komthetho, omele inkampani yomshuwalense kumelwe sizibonakalise ukuthi lowo owenze le ngozi empeleni empunzini. umbiko Administrative, baloba iqiniso macala ngeke enkantolo ubufakazi obanele. Idatha izinto icala mayelana ngokuletha umshayeli adminotvetstvennosti kufanele bufakwe. Ummeleli we-inkampani yomshuwalense ubophekile ukwethula amaqiniso kukufakazela ngokucacile ukuthi umshayeli ngenhloso kwesokunxele yesehlakalo engozini yemoto.

Sokuzivikela ngesisekelo inkontileka umshwalense

Izinqubomgomo umshuwalense imoto ngokuvamile ecacisiwe abantu bavuma ukuthi ukuphathwa imoto oVikelwe. Uma umonakalo umiselwe, imbangela babungubuso okuyinto akufakwanga inkontileka MTPL umshayeli ungeniswe ukushayela, inkampani yomshuwalense uthola ilungelo koSanta.

Lolu hlobo mfuneko kungaba kungenzeka uma inkontileka yomshuwalense umushwana ukuthi kuvimbela njengobunengi bemiphefumulo ogunyaziwe ukuze ukwazi ukuqondisa imoto oVikelwe. MTPL inkontileka kumele waphetha sicabangela imfuneko. Imikhawulo e ukusetshenziswa imoto kwesamba zimi kanje:

• Icacisa uhlu abantu kokuba ilungelo ukuphatha imoto oVikelwe;
• esikhethiweyo isikhathi lapho kungenzeka ukusebenzisa imoto ngaphakathi kwemingcele nezikhathi umshwalense;

Uma umshwalense kuhlanganisa isigaba ku kwesiyingi abantu abafanele-TC ukuphathwa, inqubomgomo kumele kukhonjiswe amagama abashayeli ungeniswe isebenze nale moto.

Ukuze izakhamuzi Asebenzisa imoto ngoba isikhathi kusho ukuthi imoto ingasetshenziswa phakathi nenkathi ethile. Ngokwesibonelo, i-izimoto Convertible ukhawule ukusetshenziswa elinganiselwe isikhathi efudumele sonyaka, kodwa kunengqondo ukuthathelwa umshuwalense ezithuthuthwini kuphela ebusika. Izinhlangano namabhizinisi Ungase futhi ukusizakala umshwalense "ezithile zonyaka", inkathi umshwalense nokusebenzisa kokuphuza, imishini iqhwa zonyaka ezahlukene.

Uma umcimbi kwesamba kuphula nemibandela, ukuba senqabe ukukhokhela inkampani yomshuwalense akanayo ilungelo, njengoba le mikhawulo abafakiwe uhlu lwezinto, owawuthi zokukhokha kungenzeka ukwenqatshwa. Kodwa kokuhlephula imigomo yenkontileka umshwalense, umshayeli oVikelwe azichaye ingozi egijima ibe izimangalo Sokuzivikela inkampani yomshuwalense.

Ukuhlola kanye nezicelo Sokuzivikela

umthetho wethu akavumelananga usuku yokufuna umshwalense kanye nesitembu sesikhathi elikhiphe wokuhlola lobuchwepheshe. Phakathi naleso sikhathi, ngo-2012, weza force ilungiselelo ngaphansi lapho umnikazi imoto kumele uhlinzeke ndima zabo ngesikhathi esifanele luhlolwe ngumphakathi we wezimpahla, umgibeli wetekisi, iloli, umgibeli ibhasi ezinye izindlela zezokuthutha. Uma ngesikhathi okuvela kuyo umcimbi insured tehtalonov iphelelwe isikhathi yisikhathi, inkampani yomshuwalense unelungelo ukufaka isimangalo, futhi koSanta ngoba CTP kulokhu uyokwaneliswa.

Cases avuse izimangalo Sokuzivikela

Ikakhulukazi, inhlangano zomshuwalense zizokuba nelungelo lokubiza inkokhelo isinxephezelo:

• uma "Yini eyayibangele lokho" nesenzakalo of umcimbi insured kwaba iphutha imoto;
• uma lokhu iphutha kutholakele ukuhlolwa opharetha, kodwa ulwazi mayelana nalo ku ikhadi zokuxilonga akukabonakaliswa.

Yini okufanele ngiyenze uma umshwalense kwenza Sokuzivikela

Ngo ezinjalo esimweni ingaba khona umnikazi imoto, ngakho kuyasiza ukuze ukhombise algorithm yezenzo okuyiwona izinkampani zomshuwalense abathi agrumentirovanno kungenziwa inselele enkantolo.

Ngesikhathi esigabeni sokuqala kunconywa ukuyokuzwa ukuthi inkampani yomshuwalense unelungelo ukwethula izimangalo Sokuzivikela. Kungenzeka ukuthola ngemva kokufunda izigaba odlule kwalesi sihloko.

Awudingi ukuba athambise isandla izinkampani zomshuwalense futhi ngokushesha anikeze imvume isinxephezelo Sokuzivikela. Ingozi noma ezinye isehlakalo okuyinto ebangele ukulinyazwa kwempahla noma impilo, kufanele kubonakala isisulu ngombono kanye ngokombono isigebengu. Isisekelo sokuqala ngoba isimangalo kufanele kube ukudluliselwa isinxephezelo umshwalense ukuze isisulu. Uma inkokhelo enjalo sinqatshiwe zonke izimangalo we ekuhlehleni umshuwalense ungaba ukwenqaba ngokuphepha.

Sicela uqaphele ukuthi kukhona kwesokudla Sokuzivikela we umshwalense ngesikhathi ukudluliselwa ukukhokhelwa umshwalense ukuze isisulu kuphela!

Inani isimangalo kanye kadokotela isimangalo

Ummangalelwa angadlulisela phambili isigwebo nezidingo inkampani yomshuwalense, uma inani idlula nezimfuneko eyenziwe izinkokhelo umshwalense. Ngokomthetho, inani Sokuzivikela cha eqa Inani elivamile izinkokhelo umshwalense. Kufanele wenze isiqiniseko sokuthi isikhathi komkhawulo ingakadlulelwa isikhathi - uma kungenjalo izidingo Sokuzivikela we umshwalense uzobe ngokuzenzakalelayo sinqatshelwe.

Ekuqaleni kwenkathi komkhawulo kungase kubhekwe lapho umshwalense uyasigcwalisa leso sibopho sokuba ukhokhe isinxephezelo umshwalense. Yini eyayibangele lokho ngeke bakwazi uphikisana koSanta izimangalo ngomshuwalense, uma izimangalo ukugcwalisa isikhathi ingakadlulelwa isikhathi.

Futhi khumbula ukuthi kuphela kungase kutholakale enecala engozini yemoto kunikeza isizathu banethemba lokuthi inkampani yomshuwalense ukuthi isinqumo omuhle enkantolo ekuhlehleni. Uma izenzo umuntu kwaholela okuvela kuyo umcimbi insured, kodwa ngasizathu simbe umuntu watholwa engenacala, zonke izimangalo inkampani yomshuwalense phezu ekuhlehleni Awunawo esizwakalayo.