IzimaliUmshuwalense

Umshuwalense wemfanelo ngaphansi kwenkontileka: umyalelo wezenzo, izimo, imibhalo nezincomo

Ezweni lanamuhla, imicimbi ye-insured, imiqondo ehambisanayo nemithetho, kanye nama-nuances womshuwalense womphakathi kudinga ukunakwa okukhethekile. Kubalulekile hhayi nje ukuqonda lokho okuboniswa kulokhu okuqukethwe kwenkontileka yomshuwalense (CG), kodwa futhi ukuhlukanisa izici ezivela ezimweni ezahlukene nasezinhlobonhlobo.

Ngaphezu kwalokho, ukwakheka kwephakheji yamadokhumenti adingekayo kanye nenqubo yokuphothula inkontileka - ulwazi alubalulekile, ngakho kufanele lutholakale ngokukhululekile kuzo zonke izakhamizi. Yisho ukuthini umshuwalense wemfanelo?

Iyini umshuwalense we-GO?

Isici esiqakathekileko setivumelwano ezinjengalezi, esakhiwe ngesisekelo somshuwalense wokuzivikela komphakathi, siyihloko esivumelwaneni sesivumelwano, sinohlobo lwempahla.

Kulo mkhuba kukhona i-postulate engashintshayo, futhi kuyisimiso esiyisisekelo - uma umuntu ebangela umonakalo, noma ngabe impahla noma ngokomzimba, yonakalise inhlekelele, ngakho-ke inesibopho sokukhokha ngokugcwele ukulahlekelwa nokulahlekelwa okuye kwavela. Ngenxa yalokhu, umshuwalense wemfanelo ngaphansi kwenkontileka yenziwe.

Izinto zokumangalo

  • Izindleko zomhlaba welimele. Lesi sihloko sihlanganisa ngokuphelele yonke impahla kanye nokuthengwa kwezezimali ukuthi leli cala elibikiwe libiza ukuthi libuyise noma libuyele ngokugcwele, noma lilungise impahla eyadutshulwa yicala. Lokhu kubizwa ngokuthi ukumboza umonakalo wangempela owabangelwa amacala abalimele. Isibonelo, lokhu kunikeza inkontileka yomshwalense ophoqelekile wemfanelo yomnikazi womnikazi wemoto.
  • Izindleko zomthetho ezenziwe ngumuntu ohlukunyeziwe. Kubandakanya imali ukuthi umuntu oye walahlekelwa amalungelo uchithe ukuze abuyiselwe. Lokhu kungafaka, isibonelo, izindleko ezibangelwa ukukhumbula izimpahla noma amasevisi, izindleko ezihlukahlukene zenkantolo.
  • Imali engenayo isisulu esitholiwe. Uma impahla ehluphekile ngenxa yezenzo zecala letha umnikazi wayo, ngakho-ke umlandu ubophezele ukubuyisela inani lemali elalilahlekelwe isikhathi esithile futhi ngaphansi kwezimo ezithile. Le nqubo icacile ngokucacile esihlokweni seshumi nesishiyagalolunye se-Code Civil ye-Russian Federation.
  • Isihlengo sokulimala, okwenziwe empilweni nasekuphileni komuntu ohlukunyeziwe.

Kumele kuqaphele ukuthi umshuwalense wemfanelo ngaphansi kwenkontileka kuleli cala ngeke wengeze kuphela ezenzweni ezilimazayo (ezonakalisayo), kodwa nakwamacala okungahambi kahle, okubandakanya ukulimaza isisulu.

Ukuhlukaniswa kwecala

Inkokhelo yomphakathi ihlukaniswe izigaba ezimbili: inkontileka futhi ayikho isivumelwano.

Esikhathini esivumelwaneni, imithetho, izibopho kanye nemithwalo yemfanelo, kanye nezinhlawulo zokungahambisani nalokho, okushiwo emibhalweni yesivumelwano esifanele, zihambisana nomthethonqubo.

Uhlobo lwezinkontileka ze-GO luncike emithethweni yomshuwalense kanye nenqubo, noma inkokhelo, ehlinzekwe ngumthetho noma ngesivumelwano somuntu siqu sezinkampani enkontileka. Imigomo yesivumelwano somshwalense yemfanelo izoxoxwa ngezansi.

Yilokho, izinketho ezimbili zingenzeka. Owokuqala: uhlaka ngaphakathi kwenzelwa inkontileka lulawulwa amafomu omthetho futhi lunqunyelwe umkhawulo wemithwalo yemfanelo. Okwesibili: amaqembu amabili esivumelwaneni avumelana ngokuzimela ehlelweni lwesibambiso - ngubani, kanjani nokuthi kuzoba yini umthwalo wemfanelo.

Wonke amalungiselelo alawulwa yile mvumelwano kumele avezwe ngokucacile, yonke imigomo, amanani kanye namalungelo kufanele alungiswe.

Ifomu engeyona inkontileka ye-GO (ebizwa nangokuthi ihlukumezayo) ilawulwa kuphela ngumthetho kanye nezinye izenzo zomthetho ezilawulayo.

Okuvamile kakhulu yinshuwalense yemfanelo ngaphansi kwenkontileka.

Kumele kuqashelwe ukuthi imibuso yezibopho ihluke phakathi kwabo. Isibonelo, kunezinhlobo ezahlukene zezigwegwe, kuye ngokuthi ngabe inkontileka noma inhlawulo isetshenziswa yini:

  • Ngesimo semvelaphi yomonakalo.
  • Ngokusho kwemibandela yokunciphisa isikhathi.
  • Emithwalweni yokufaka icala.
  • Ukungabikho noma ukukhokha isinxephezelo sokulimala kokuziphatha.
  • Ezinye izindlela. Ukuhlukaniswa okunjalo kokuvikela umphakathi kuyadingeka uma kwenzeka kukhona isenzo esingekho emthethweni esihlobene nezibopho ngaphansi kwesivumelwano.

Isibonelo, singacacisa icala uma umgibeli olimazwe yizenzo zenkampani yenethiwekhi enelungelo lokuzikhethela ngokuzikhethela imodi yokwenziwa komthetho kanye nohlobo lwesicelo.

Kungani inkontileka yomshwalense ingase idingeke?

Izici

I-Civil Code ye-Russian Federation ilungisa izici ezithile ezihambisana nokusebenza kwenkontileka yomshuwalense yokuvikela umphakathi. Lokhu kucacisiwe esahlukweni 48, ku-Article No. 932:

  1. Umshuwalense oyedwa kuphela ongakuqinisekisa ngokufaka ingozi yokuzibophezela, okungase kuvele ukuphulwa kwenkontileka.
  2. Umhlomulo angabuye abe inshuwalense. Ngesikhathi esifanayo, akubonakali ukuthi ngabe lokhu kugcizelelwe esivumelwaneni noma cha, okwenziwe ekuthandweni (ngokuqondene nomnikazi wezinqubomgomo, umzuzi, abanye abantu, abanesifiso sabo).
  3. Umngcipheko we-insured wokuba necala ngenxa yokuphulwa kwenkontileka inikezwe ngumthetho.

Izinhlobo zezivumelwano

Njengamanje, kunezinkontileka eziningi zomshuwalense ezivame kakhulu, ezibonisa amacala ahlukene wemvelo yomshuwalense kanye nemfanelo yomphakathi, ehlukile kwezinye izinhlobo zemfanelo.

Izinhlobo zomshuwalense onobungozi bokuzibophezela zihlanganisa:

  • Umshuwalense womthuthukisi.
  • Umqhubi wezokuvakasha.
  • Abanikazi bezimoto. Lona inqubomgomo yomshuwalense wemfanelo yomnikazi wemoto.
  • Izithwali noma abagibeli.
  • Inkontileka yomshuwalense wemfanelo yokulimaza.

Inqubo yokucubungula izici zomshuwalense ngezizathu ezihlukahlukene kanye ne-GO, akuyona into engafanele ukugxila ikakhulukazi ezinhlobonhlobo zezinkontileka ezibalulwe.

Inkontileka yomshwalense we-BU yonjiniyela

Ngokuhambisana nezichibiyelo ezamukelwe ku-Federal Law, abakhiqizi kufanele bafeze izibopho ezithile eziphathelene nokudluliselwa kwezakhiwo zokuhlala kulabo ababambiqhaza abavela enkontileka ephethwe.

Ukuhlinzeka uhlobo oluthile lwezibambiso kuyisibopho esinjalo. Ungakhetha idiphozi ngezindlela eziningana:

  1. Isiqinisekiso sebhange.
  2. Inkontileka yomshwalense we-GA yonjiniyela engozini, engase ivele ngenxa yokuzenzakalelayo.

Inkontileka yomshuwalense kuleli cala kuyodingeka iphethwe ngisho nangaphambi kokuba wonke amadokhumenti adingekayo athunyelwe ngesivumelwano ekusebenziseni ukwakhiwa okwabiwe noma enye inkontileka yokwakha kaRosreestr.

Lapho siphetha isivumelwano esinjalo, izithakazelo zomhlaba zabase-insured (kulokhu, unjiniyela) ziyoba yinto yomshwalense, okungaxhunyiwe ngokungahambisani nezinzuzo zabazuzi, okungukuthi, abahlanganyeli ekwakhiweni okwabiwe.

Isenzakalo esiqinisekisiwe siwukuhluleka komthuthukisi ukufeza izibopho ekunikezeni izindlu kubahlanganyeli esivumelwaneni sokwakha esabelwe. Ngesikhathi esifanayo, yonke imali yomshuwalense kanye nokulahlekelwa kufanele kubalwe ngokuvumelana nesivumelwano sokwakha esabelwe.

Inkontileka yomshuwalense ophoqelekile wemfanelo yomuntu we-tour operator

Uma sikhuluma ngobuhlobo besivumelwano esithinta inkontileka yezokuvakasha kanye nokuhluleka ukufeza izibopho zomqhubi wezokuvakasha (okwamanje ku-Insured), amaklayenti enkampanini (abayizibonelelo) banelungelo lokuhambisa izicelo ezibhaliwe zokuhlanganisa zonke izindleko ezithintekayo, kubandakanya izindleko zohambo ngokwalo .

Kulesi simo, isenzo sokulawula yi-Federal Law No. 132, esilungisa isisekelo semisebenzi yezokuvakasha, kanye nemithetho yomshwalense wezindiza zomphakathi.

Uma kwenzeka umshuwalense wezokuvakasha, izingozi zomshuwalense zingaba:

  • Ukulahlekelwa okuvela ngenxa yokusebenza okungeyona ukusebenza noma okungalungile yi-Insured yezibopho zayo.
  • Ubukhona bezimo ezingaqinisekisiwe kumkhiqizo wezokuvakasha.
  • Ukuphulwa kwezinyathelo zokuphepha kuklayenti lomqhubi wezokuvakasha phakathi nenhlangano yohambo noma ngqo phakathi nohambo.

Ngaphansi kwalesi sivumelwano, inzuzo yomshuwalense ihlanganisa imali ekhonjiswe yinkontileka yomshwalense wemfanelo yomqhubi wezokuvakasha, kanye nenxephezelo yomonakalo empeleni owenziwe kumzuzi.

Umshuwalense wabanikazi bezimoto

Ngokuhambisana nomthetho okwamanje osebenza ensimini ye-Russian Federation, wonke umnikazi wemoto noma umnikazi wepaki yamatekisi ubophezelekile ukuphothula umshuwalense ophoqelelwe ngenkontileka yomshuwalense, okuyi-OSAGO.

Lezi zinhlobo namuhla zanda kakhulu emakethe yezinsizakalo ezifanayo. Amacala omshuwalense oyinhloko ngaphansi kwesivumelwano se-OSAGO ahlanganisa:

  • Ukulimala komgibeli noma enye imoto eyabangela ingozi.
  • Ukulimala kwempahla, kungabandakanyi umonakalo empilweni yesisulu.
  • Ngengozi, akukho izimoto ezingaphezu kwamabili. Lokhu konke kunikezela umshuwalensi wemfanelo yomuntu wesithathu ophoqelekile.

Zombili izimoto ezithintekile ngengozi kumele zibe nezinqubomgomo ze-OSAGO.

Isivumelwano somshuwalense we-GO's carrier

Kulesi simo, umthwalo wemithwalo yemithwalo yempahla ulawulwa yi-Federal Law No. 67. Ngokuhambisana nalo mthetho, zonke izinhlangano zomthetho, amafemu, amabhizinisi, izinhlangano ezihlinzeka ngezinsizakalo nganoma yiziphi izindlela zokuthutha ziphoqelekile ukuba ziqinisekise ukuthi zihamba uma zihambisa abagibeli.

Ngaphandle kwe-metro kanye netekisi lomhlobo womgibeli, umthetho ufaka ukuqinisekisa abagibeli bawo ukuba benze imisebenzi ebalulwe ngezansi:

  • Umzila wesitimela. Ngaphezu kwalokho, umshuwalense wenziwa ukuthutha nakanjani noma yiliphi uhla. Futhi ilawulwa yi-Charter yokuthutha izitimela.
  • Umoya. Umshuwalense udinga ukuthutha emadolobheni kunoma yiluphi uhla, kuhlanganise nezindiza zezindiza. Lo msebenzi ulawulwa yi-Air Code. Yini enye edingekayo kumshuwalense wemfanelo yomphakathi wabanikazi bemoto?
  • I-Marine. Lo msebenzi ulawulwa yi-Code of Navigation Maritime. Uma kungumbuzo wokuthutha impahla.
  • Umgwaqo ongaphakathi kwezwe. Ukulawula kwenziwa ngesisekelo seKhodi yezokuThutha kwamanzi angaphakathi.
  • Ground. Lesi sigaba sibandakanya ama-trams, amabhasi, ama-trolleybuses, metro, i-monorail. Umthethonqubo wenziwa ngesisekelo seMqulu wezokuThutha koMgwaqo kanye nokuThutha koMasipala waseMadolobheni.

Inkontileka yomshwalense wemfanelo yomphakathi yokwenza umonakalo

I-Civil Code yaseRussia Federation kanye nomthetho onomshwalense onqunyelwe ukukhokhelwa, okungahle kube yindlela enesivumelwano futhi ehlukumezayo yokulawulwa kwezinxephezelo zemicimbi eqinisekisiwe. Okuthiwa:

  1. Kuvunyelwe ukuqinisekisa ingozi ye-GO yomuntu obhekwe ngumshwalense ngokuhambisana nenkontileka lapho enesibopho esithile lapho kwenzeka ukuthi ukulimala noma ukulimala kubangelwa abanye abantu.
  2. Inkontileka kumele ibhalwe phansi yilowo ophethe. Uma kungenjalo, wonke umthwalo uzokwethwa yi-insured.
  3. Inkontileka yomshuwalense wokubophezeleka komphakathi ngokulimala noma ukulimala kubhekwa njalo kuphethwe ngokuqondene nomuntu ohlukunyeziwe. Kungakhathaliseki ukuthi kukhona yini umshuwalense ovela kubashuwalense.

Yini enye engayithola inkontileka yomshwalense wemfanelo obunzima?

Umshuwalense Wezithathu

Uma sicabanga ngalolu hlobo sisebenzisa isibonelo sesivumelwano mayelana nemisebenzi yokwakha nokufaka, kucacile ukuthi yimuphi umshuwalense wezindiza zomphakathi ngaphambi kwamanye abantu.

Kulesi simo, inkontileka ingase iphethwe yinkampani yokwakha ezokwenza njengomshwalense wokuqala, oyinkontileka enkulu ezoba ngowesibili, kanye nomuntu oqinisekisiwe ngqo futhi abe ngumzuzi.

Into ingaba, njengempahla yenzalo, nomonakalo, ukulimala, okungabangela abantu besithathu ngesikhathi sokusebenza nokufakwa, noma imisebenzi ehlobene nokuthunyelwa.

Kulesi simo, okulandelayo kubonakala njengengozi yomshuwalense:

  • Ukulimala kubangelwa impilo noma impilo yabangaphandle.
  • Ukulimala kwendawo yabesithathu.
  • Kuphelile ngenye indlela umonakalo wempahla, impilo nempilo yabanye abantu.

Imibhalo edingekayo kanye nomyalelo wokubhalisa

Umshuwalense wanoma yiluphi uhlobo lwe-GO luhlala lwenziwa ngokuhambisana nomyalelo othile.

Le nqubo ilawulwa ikhodi yemithetho yomshuwalense. Zihlanganisa:

  • Kubalulekile ukuhambisa isicelo esibhaliwe, esizoba nesicelo sokuhlinzekwa kwezinsizakalo zomshuwalense. Emva kwalokho, kunomhlangano wezinhlangothi ezimbili ukufeza izingxoxo, lapho zonke izibopho nezimo kuxoxwa ngayo ngaphandle kokungafani. Ngesikhathi esifanayo, ummeleli wenkampani yomshuwalense ubophezelekile ukwazisa isakhamuzi ngazo zonke izimo, izingozi ezingenzeka, amalungelo, isici somkhiqizo ngamunye.
  • Ngokuhambisana nesimiso esiphezulu sezokwelapha esimweni somshwalense, umuntu noma inhlangano ehlinzeka ngamasevisi afanayo kumele azise amaklayenti ayo mayelana nemigomo yesivumelwano ngokuthembeka nangokugcwele.
  • Ngemuva kokuxoxa ngemigomo esivumelwaneni, intando yabanqabile ibonakala.
  • Inkontileka kumele ibe nolwazi olunjengezibongo, igama lokuqala, igama eliphakathi kanye noxhumana nabo abathintekayo.
  • Isamba somshuwalense wezingozi zokubangela umonakalo wendawo kufanele sishiwo futhi siboniswe.
  • Kubuye kubalulekile ukukhombisa isikhathi somshuwalense, amabhonasi, uhlobo, kanye nendlela okuzokwenziwa ngayo iminikelo.
  • Iphuzu elihlukile kufanele likhonjiswe amacala angewona umshuwalense, futhi uma kwenzeka isinxephezelo singeke sinikezwe.

Ngakho-ke, umshuwalense wokuvikela umphakathi uyingxenye yokubophezeleka okuphoqelekile ezingeni likahulumeni ohlinzekwe ngumthetho, i-Civil Code ye-Russian Federation, noma inkontileka yomshwalense yemfanelo ehambisana nohlobo oluthile, esetshenzisiwe uma kukhona ukwephulwa kwamalungelo futhi kunesidingo sokuyibuyisela, uma umonakalo noma ukulimala kwenziwa Futhi kuyadingeka ukukhokhela.

Yingakho uhlaka lomthetho lubaluleke kakhulu. Yenzelwe ukulawula ukuqaliswa kwezinyathelo ezithile ezihloswe ukuhlangabezana nezidingo zomuntu olimele ngenxa yenkohlakalo noma umenzi wobugebengu obangela ukuba akalimele.

Similar articles

 

 

 

 

Trending Now

 

 

 

 

Newest

Copyright © 2018 zu.unansea.com. Theme powered by WordPress.