Inshorensi Vehicle: iintlobo kunye neeyantlukwano zazo

Inshorensi izithuthi zingahlulwa zibe ngamaqela eziliqela. Oku kungenxa yokuba isiseko esisemthethweni yomdla insurable isenokuba ubunini okanye ukusebenzisa isithuthi, kwaye isenzeko nayiphi na imbopheleleko umntu ogama impahla izinto, ubomi okanye impilo kuye olimeleyo.

Kokuba kube nokuqwalaselwa imiyalelo eziphambili inshorensi motor ngolu hlobo lulandelayo:

• inshorensi kwezithuthi;

• uxanduva yabanini;

• ngu ingozi zombini abanini kunye nabahlali.

Iinketho zixhaphakileyo - le-inshorensi:

- izithuthi, ukukhusela izilangazelelo abanini bazo ezinxulumene imoto ngokwayo;

- yeTyala kuLuntu, iyazikhusela amalungelo omsebenzisi kumabango beqela owenzakeleyo.

Phambi kokuba Julayi 1, 2003 kwi-inshorensi imoto Russian ngokuzithandela. Namhlanje, ubutyala lwazo lwembambano unyanzelekile ukuba inshorensi nawuphi na umnini imoto. Umthetho efanelekileyo yamkelwa ukuba ngokungenabungozi amaxhoba, ubomi babo, impilo okanye impahla ixhoba isiqiniseko ukuba kubuyiswa. Ke kaloku bonke abanini isithuthi kufuneka ukuba ahlawule insurance premium kwaye umgaqo-nkqubo, ngaphandle kolu xwebhu wasebenzisa isithuthi kummandla Russian Federation. iindleko-nkqubo kuxhomekeke ubude kunye nokuchaneka nomqhubi, ngoko ke inzala sithuthi yemali nokhuseleko ezindleleni.

inshorensi Car ungakhona kwale miqathango ilandelayo, ezibandakanya iintlobo ezahlukeneyo iingozi.

1. "Auto Casco". Kule ndawo ekujoliswe kuzo olu hlobo lweengozi inshorensi ukuwa, imililo, iintlekele zemvelo, ubusela, ubusela iindawo, ulwe iglasi, izinto eziwayo. Inzala ukuze kananjalo lolulwe ukufikelela kwizixhobo ezongeziweyo, nto leyo ifakiwe isithuthi kwaye indima yayo ibalulekileyo. ZeNtlawulo "Auto Casco" nemisebenzi kushishino auto yasekhaya uninzi iinkampani ngoku aqala ku-5 ukuya kwi-13 ekhulwini sentengo yemoto okanye indawo ethile sum-inshorensi. Ukuba i-inshorensi imoto ngokuzithandela ikhutshwa kwi imoto angaphandle, lo intlawulo kuvuka ku-18 ekhulwini ixabiso imoto entsha.

2. "Avtokombi". Oku kuquka kuluhlu olubanzi yonke imingcipheko na enxulumene kuphela kunye nokusebenza isithuthi. OKhuselwe ngeInshorensi ilahleko wambuyisela, apho zibangelwa ilahleko okanye umonakalo imoto eyabangelwa naluphi na uhlobo nobungozi kwimpilo kunye nobomi amaxhoba okanye ipropati yabo ngexesha ukusetyenziswa kwesithuthi. Kwakhona kwicandelo le-inshorensi "izilangazelelo avtokombi 'ziquka umonakalo owenzeke abakhweli kunye umqhubi, umonakalo iimpahla okanye ezinye izinto kule ndlwana. Kukho, ngoko ke, ugcino ukuba inshorensi imithwalo ayiquki okanye kwakudala ezizodwa, izacholo ezenziwe amatye anqabileyo, amatye semi-anqabileyo, anqabileyo, izinto enizihlonelayo, ukuqokelelwa, imibhalo-ngqangi, imizobo, izibambiso, imali, amaxwebhu kunye iifoto. Ayingeni izinto umthwalo zobuqu ukuba elingelilo intsapho zeinshorensi okanye okuthengiswayo.

3. I-inshorensi Ubutyala. Olu hlobo inshorensi senziwe ngokungqinelana nomthetho omtsha Russian kwi enyanzelekileyo -inshorensi liability abanini moto. Kuba abemi Russian olu hlobo weinshorensi kufuneka, kwakunye kubemi amazwe abahlala eRashiya. Ingaba ke ayiloxanduva umonakalo owenziwe kwipropati umqhubi kwakunye impilo kunye nobomi babantu kwingozi yemoto.

4. I-inshorensi nxamnye ezingozini ezahlukene, igama yesibini - inshorensi ezihlalo. isifundo sakhe umphefumlo kunye nempilo abahlali. Le mvumelwano okanye indawo kwenkqubo (isixa-inshorensi ugqibe ngokuba isihlalo ngasinye kwisithuthi) okanye inkqubo ngentlama (imoto yonke). Ukubonelela kuhlawulwa ukuba ukufa kwenzeka, ukukhubazeka okanye ukungakwazi kweenyanga ezingaphezu kwama-4 kule ngozi.