Ukwenza CTP isivumelwano, abaqhubi abaninzi kubona njengento kokokunyanzelwa, kungekhona nje inshorensi, hayi ilindele ngokwenene ukufumana imali xa umcimbi inshorensi. Oku kubangelwa ikakhulu ukholo ombi iinkampani ze-inshorensi ngamnye ukwala kubathengi ngeentlawulo okanye zonke iindlela kunokwenzeka leyo zokunciphisa ukuba imali ubuncinane.
Ngelishwa, kukho iimeko xa umxhasi usebenza phantsi nkqubo avtograzhdanki ziya kubuyiswa amaxesha ngaphantsi kwe iindleko zokulungisa imoto. Ngeendlela ezininzi, oku kunegalelo ukuba banxibe ukubala ukuba iinkampani ze-inshorensi MTPL esetyenziswa ngaso. Phantsi komthetho okhoyo, insurer banelungelo lokuba enze ukubalwa uphelelo kwi CTP ukuze ungabinako ngaphezulu amaxesha 0.8 iindleko kwiindawo ezintsha. Ngoko, kwenzeka ukuba insurer unelungelo ahlawule-20% kuphela yexabiso yabo yokwenene, yaye yintoni afuna ukuthatha ingqalelo kukuwohloka iinyembezi ukuya ubuninzi.
Noko ke, ukuba umthetho TPL motor ekunyanzelekileyo ukuba ufundisise (ukuya kuma apho kuchazwa CTP banxibe ukubala), oko kwenzeka ukuba inshorensi musa usoloko ilungelo isicelo amazinga ubuninzi. Ngokukodwa, izinga iya kuxhomekeka endala ngayo imoto inshorensi, ilizwe apho yenziwe, kwaye ayizange iguquke nokuba inxalenye eyonakeleyo phambi (kwimeko yokugqibela, ukubala ukuphelwa lixabiso ukwenzela iinkcukacha ezithile MTPL eyenziwe ngenxa yeminyaka yakhe, hayi ubudala imoto).
Ngaphezu koko, umthetho ubonelela ukuba ezinye iindawo ahlawulwa ngaphandle ngokubhekisele ukwehla. Ukuba ukubala yembuyekezo inshorensi khange ingqalelo lo mgaqo, kuvela ukuba waphula umthetho, kwaye umxhasi ilungelo lokufuna ukuba eyintlawulo omkhulu enkundleni.
Uninzi Iinkampani ze-inshorensi kwenkathalo kunandipha yokuba abathengi zabo akazazi umthetho kwi-inshorensi motor TPL esisinyanzelo kwaye musa ukuba amathuba ukufunda ngenyameko. Ukuba umxhasi, akuba ngomsebenzi ukubalwa umonakalo, iya kubonisa ulwazi lwabo ucele uyintoni busetyenzisiwe omkhulu onjalo izinga ukuguga, kusenokwenzeka ukuba inkampani ye-inshorensi kubalisa ukumangalelana kunye namagama ezingeyomfuneko. Ngoko ke, xa qhagamshelana inkampani yeinshorensi ukuba umxhamli ukuziphatha ngcono kwicandelo specialist inshorensi, akukhathaliseki nokuba le nto ayikho inyaniso.
Xa ukhetha inkampani yeinshorensi, nkqu ubhaliso inshorensi mandatory kufuneka lungabi lwamaxabiso zisezantsi (ngoku isiza phantse nasiphi insurer abe wokubala ekhethekileyo evumela abathengi ukuba ukubala inshorensi auto ngokwabo) kunye okurhafisa yenkampani, ncomo yabathengi kunye namava akhe. Ukuba ukhetha i-inshorensi elungileyo kunye negama eqinileyo, leyo uyayixabisa kubathengi bayo, kwaye ubalo uphelelo CTP uya kuba kakuhle kwaye ngokusemthethweni. Kulo mzekelo, i lomxhasi ahlale ngokukhululeka ukuba wayengaqhathwa ekubaleni umonakalo, kodwa bangalahlekelwa siphaphile - hlola ngcono ukuba ubhale isiphelo, ngaphambi kokuba kusayinwe. Baqatshelwe umxhasi ayisoze, ingakumbi xa kufikwa kwimiba yemali, ezifana irisithi sentlawulo inshorensi.