Umshwalense ayimpoqo: lokho kudingeka imibhalo? ukubhaliswa okuphoqelekile okwenziwa ezikhungweni

Uyini CTP, eyaziwa kuyo yonke umnikazi imoto, ngoba, okungenani kanye ngonyaka, kumelwe uxhumane inkampani yomshuwalense for abulawe yayo. inqubomgomo MTPL ivala abahamba ngezimoto uma kwenzeka izindleko ezisuka kusukela nezimo ezingajabulisi endleleni, okungukuthi, izingozi, ngakho-ke kubalulekile ukuthi ngaso ngokwayo njalo kwadingeka umshwalense CTP. Yini imibhalo kudingeka futhi kungakanani kuyodingeka bakhokhe - mibuzo zihlale efanele. Zama ukuqonda.

Yini okudingeka ukuklama inqubomgomo?

Abashayeli abaningi bacabanga ukuthi sokubhalisa umshwalense MTPL kwanele isikhathi eside, kodwa akuyona. Ukuze kube isiphelo sesimiso Isivumelwano phakathi inkampani ekhethiwe umshwalense futhi kwesamba uzodinga inombolo kwemibhalo.

Noma kunjalo, ngeke babe eside ukuqoqa futhi bachithe lesi sikhathi esiyigugu, abashayeli ngokuvamile njalo nawe. Ngakho, ukuze ungenele CTP inkontileka, kumele uhlinzeke amadokhumende alandelayo yasekuqaleni.

imibhalo car

Lokhu ngokuvamile noma esitifiketini sokubhaliswa wemoto - HFS (owaziwa nangokuthi "ikhadi pink"), noma idokhumenti zemoto - MTS (e abantu - "blue"). Lezi zincwadi zibonisa idatha yomsebenzi imoto, kanye nedatha eziyisisekelo umnikazi - igama, ikheli.

umazisi

Ngokuvamile kuba passport Russian - umnikazi imoto. Uma kwenzeka kwesamba futhi umnikazi - ohlukile, ngomshuwalense iyadingeka futhi iphasiphothi.

Akunalutho Ukudlula kuhlolwa imoto

manje iziteshi baqhuba wokuhlola lobuchwepheshe wemoto, umnikazi ikhadi zokuxilonga, equkethe ulwazi mayelana imoto, usuku lokuhlolwa zamanje nezesikhathi esizayo. Ukuze umshwalense CTP isiqediwe, kumele ube ishadi evumelekile zokuxilonga. Kufanele kube esebenzayo okungenani elinye 24 amahora.

Abashayeli abaningi, befuna futhi ukuze songe imali yabo, sigweme edlulisa ukuhlolwa bese uzama isikhathi ukudweba nge wamanje CTP kokuhlolwa, kodwa ikhiphe entsha, noma ukukhohlwa, noma ungafuni. Khumbula ukuthi uma kwenzeka ingozi, uma egciniwe Ayikho idatha mayelana nokuhlolwa lobuchwepheshe wemoto, inkampani yomshuwalense bangase bayenqaba ukukhokha.

ilayisense yokushayela

Lo mbhalo liyadingeka uma CTP inkontileka uhlu elilinganiselwe abashayeli. Futhi izitifiketi ezidingekayo abashayeli ziyoba ngubani afakwe umshwalense. In an icala ngokwedlulele kungenzeka ukunikeza amakhophi kubo. Kubalulekile ukwazi ukuthi inani bashayeli abangafuni ukuthobela Unelungelo ishayelwa, awukwazi ukudlula abantu abane. Uma kungenjalo, ungase uhlele umshwalense ngaphandle kwemingcele. Ngesikhathi ilayisensi umshwalense kokuvinjwa yokushayela ayidingekile.

Kwezinye izimo, abameleli inkampani yomshuwalense kungadinga inkontileka sokuthengisa noma nanoma yimiphi eminye imiqulu. Kodwa lokhu ngaphandle kunokuba umthetho.

Kwaze kwaba yilapho sebeshiye yonke into oyidingayo ukuze uzilungiselele, kungashiwo ekhishwe umshwalense MTPL. Yini imibhalo edingekayo ukuze lokhu, niyazi, ngakho uma kuvela izinkinga. Umbuzo olandelayo ukuthi ngokunengqondo kuphakama ngesikhathi umnikazi imoto, "Yimalini ukupheka?"

CTP izindleko

Pleasure akuyona eshibhe, kodwa inkinga inqubomgomo namanje kunesidingo. Kulokhu, ekutholeni ukushayela kuba ephephile. Phela, kungakhathaliseki ukuthi ukuthi umshayeli e bomsebenzi wakhe, okuyinto babengenalo ulwazi ukushayela, izimo zihlukile. Ngisho umzuzu owodwa, phakathi kwesikhathi lapho umshayeli ekhathazekile kungaholela ingozi. Ngakho-ke eshibhile namanje ukukhipha inqubomgomo, kunokuba ukukhokhela ukukhanda imoto ilimele.

CTP ukubaluleka isamba izinga base iphindaphindwe ngenani okuza. Umkhawulo base Izinga abantu zemvelo kuyinto ruble 4118, ephansi 3432. Izinkampani zemishuwalense Unelungelo ukusetha base yabo, ngakho intengo inqubomgomo kungenzeka ukuhluka.

Ngaphezu zezici ziyabhekelelwa lapho kubalwa izindleko zomshuwalense izinkampani siyadingeka ukunikela umshayeli ukubona, okuyinto Ilungiselelwe kuye ngoba minyaka yonke ingozi in inani 5%. Idatha eziqukethwe database olulodwa futhi akuxhomekile okuthandwa izinkampani zomshuwalense. Manje asikhulume okwengeziwe okuza.

I okuza izimali umshwalense

I okuza elandelayo izimali umshwalense.

1. Insimu ukusetshenziswa pre-emptive imoto.

Kunqunywa yindawo yokuhlala TC umnikazi. Ogibele CTP umthetho, isib, eMoscow Coefficient elilingana 2, e-Irkutsk 1.7, kodwa Sebastopol 0.6 kuphela.

2. badala futhi banokuhlangenwe nakho komshayeli.

Uma umshayeli ezingaphansi kweminyaka engu-22, futhi okuhlangenwe nakho kwakhe okungenani iminyaka emithathu, noma ezinye uhlobo lento eceleni, izinga eliphakeme osebenza ngaphakathi 1.6-1.8.

3. Inani labantu ungeniswe ushayela.

Uma umshwalense engabondli abakubo imikhawulo inani abashayeli, futhi kwandisa Coefficient sisetshenziswa, ilingana 1.8.

4. Car Amandla HP

Kukhula amandla, aba maningi Coefficient. Ngokwesibonelo, Coefficient isetshenziswa izinga base imoto ephethe namandla 135 hp kuyinto 1.4. Kufika ku-50 hp - 0.6.

5. Isikhathi yokusetshenziswa.

Ngokuyinhloko umnikazi kuphetha Inqubomgomo MTPL isikhathi esingaphezu konyaka. Factor kulokhu ilingana indlela eya ebunyeni. Kodwa uma uphetha umshwalense izinyanga eziyisithupha ke kufanele ukhokhe 70% izindleko inqubomgomo ngonyaka, ie, isilinganiso kungaba 0.7.

Yilokho zezici ziyabhekelelwa lapho kubalwa inani kwenqubomgomo. Ungakhohlwa mayelana sipho akhona. Uma itholakale evela kumnikazi, kodwa hhayi kunakwe, kungase kungabi evumelekile kanye CTP umshwalense. Yini imibhalo kudingeka ukuqinisekisa isaphulelo? Kuphela izincwadi zokushayela noma uma umshwalense, ngaphandle komkhawulo, umnikazi passport wemoto.

Ngemva kokufunda lesi sihloko, pholisi ngamunye uzothola ukwaziswa okuwusizo mayelana izici izindleko, imithetho sisebenza kuleli design kwenqubomgomo. Uyazi ukuthi kudingeka into - umshwalense CTP, lokho kudingeka amadokhumenti, manje eyaziwa. A pholisi abanekhono, owazi konke, ungalokothi nezinkinga uma wenza inqubomgomo. Ngaphandle kwalokho kubangela maqondana izinkampani zomshuwalense, ngoba nabantu onolwazi uhlale mnandi ngokwengeziwe ukubhekana nazo.