Umshwalense MTPL izinkokhelo: kanjani ukuba uthole ukuthi ukweletwa

Naphezu kweqiniso lokuthi e yokubhalisa lakithi inqubomgomo MTPL ayimpoqo, abaningi abasiqondi kahle okushiwo lolu hlobo umshwalense. Ngenxa yalokho, uma engena engozini, ngobuqotho abamangala ngayo lapho bethola ukuthi umshwalense MTPL izinkokhelo kungukuthi unelungelo.

Kubalulekile ukuqonda ukuthi avtograzhdanki kusho umshwalense wakho isibopho sezomthetho besithathu. Okungukuthi, izinkokhelo umshwalense ifakwa kuphela iqembu elimele. Ngamanye amazwi, okwenza ukuthi iyini inkambiso MTPL, wena ukuthathelwa umshuwalense impahla zabantu. Uma ufuna ukuthathelwa umshuwalense imoto yakho, kufanele ngaphezu kwalokho zokuhlobisa Inqubomgomo CASCO.

Izenzo uma ingozi

Ngenxa yalokho, yikuphi ukulimala engozini yemoto kwenzeka. Kungasetjenziswa kokubili impilo kanye komgwaqo izimoto womuntu. Uma abathintekayo ubhekene engozini, into yokuqala okufanele uyenze - ukusungula Isiboniso eziphuthumayo, shayela amaphoyisa omgwaqo kanye uKhomishana eziphuthumayo. Akunakusetshenziswa akufanele ukuhambisa izimoto.

Kuze mzuzu ukufika ochwepheshe akufanele nalabaya yesibili umhlanganyeli ingozi izimo zakhe. Futhi yokuvuma icala - kuba abahloli amaphoyisa omgwaqo (ngaphandle Yiqiniso, izimo sobala ngokuphelele). Ukuze hhayi ukuchitha isikhathi, kubahlanganyeli ingozi can ugcwalise "Isaziso yengozi" bese ungene ngemvume ke.

Lapho beqeda umsebenzi ngozi amaphoyisa womgwaqo kumele akhiphe isitifiketi, lomgomo kanye isinqumo phezu icala bese kuba nengozi. Uma imibhalo kungukuthi ekhishwe, qiniseka buza nini futhi kuphi kuyoba ukuhlaziya ingozi yakho. Uma iqembu elimele, zonke lezi imibhalo Kuyodingeka ukuqinisekisa ozenze izinkokhelo CTP ukubala.

Izinkampani umshwalense

Uma ukunikeza isitatimende enkampanini yomshuwalense, kanye nawo wonke amanye amadokhumenti adingekayo, bayonikezwa usuku lokubuyekeza ezilimele uchwepheshe othile ozimele. Ngemva ukuhlola imoto ngaphakathi 30 izinsuku, ngomshuwalense kumelwe wenze isinqumo mayelana nesicelo. Nokho, ngokuvamile, inqubo mukela ngisho ukuhanjiswa imibhalo ezengeziwe.

Ngisho noma ungeyena icala yengozi, kufanele uzilungiselele lokuthi ngomshuwalense kungenzeka kakhulu siyibukele phansi inani izinkokhelo CTP. Rosgosstrakh, isibonelo, 2012 waba umholi ku zokuchithwa isinxephezelo nomshuwalense.

Understate izinkokhelo umshwalense ku ayimpoqo umshwalense motor, ngomshuwalense may ngezindlela eziningana:

- esikhundleni esikhundleni izingxenye imoto kuvezwa olandelwayo kokuhlaziywa izindleko ukulungisa yabo (isib bumper kunenze nisondelane);

- esetshenziswa ekuhloleni ukuncipha izindleko izingxenye ezisele mayelana ngenxa yokuguga yabo.

Abaningi uzokubuza, kungani ngomshuwalense ukwenza kanjalo. Impendulo ilula - bambalwa kakhulu abantu uzoya enkantolo ukuvikela izithakazelo zayo, okusho ukuthi inkampani yomshuwalense uyosindisa omningi izimali isinxephezelo.

Uma uqiniseka ukuthi umshwalense kakhulu understates ukweletwa kuwe izinkokhelo umshwalense ku ayimpoqo umshwalense motor, qiniseka ukuya enkantolo! Kwenze okungagcini nje kuwe, kodwa nangemizamo nabameli babo. Namuhla, izinkampani kusukela ezimakethe uhlelo olufana nalolo, pretty okuningi. Kubalulekile ukukhetha omunye ukuthi umangalela imali ngomsebenzi wabo kuphela ngemva kokunqoba enkantolo.

Futhi ekugcineni, mina uqaphele, noma kunjalo, musa ukulungisa imoto ngaphambi uthole umshwalense izinkokhelo MTPL. Kungenjalo, esimweni ngaphansi-isinxephezelo, awukwazi kufakazisa lutho.