Ndifanele kuphi na isikhalazo malunga nenkampani yomshuwalense ye-OSAGO?

Ukuqwalasela ezininzi iimpendulo ezinokufumaneka kwi-Intanethi, kuyacaca ukuba akubona bonke abashayeli baseRussia abazi apho bayakhononda malunga nenkampani yomshuwalense ukuba amalungelo abo asemthethweni aphulwa. Kwaye kwenzeka oko emibini kwimicimbi yomshuwalense oyanyanzelekileyo kunye ngokuzithandela.

Ngelo xesha, abantu, bajamelene neengxaki ezifana, basongela ukusola kwaye bajongane ne-UK engenamdla. Kodwa ungakulibali ukuba olu phuhliso luganeko aluyi kufuna kuphela imali, kodwa kunye nexesha, kwaye, ngelishwa, izibilini. Ngoko ke, qwa lasela ukukhalaza ngenkampani yomshuwalense, ngaphandle kokuzisa le nkundla kwinkundla.

Amanyathelo okuqala

Ngamanye amaxesha kulula kakhulu ukuyiqonda imeko. Emva koko, inkampani yomshuwalense inabasebenzi. Kwaye ukuba izenzo ezingekho mthethweni zomnye wabo zikhokelela ekuphulwa kwamalungelo omnini weemoto, i-SC ngokwayo yimeko yokuqala ukukhalaza ngekampani yomshuwalense. I-Rosgosstrakh, isiqinisekiso sokubuyiswa kwakhona okanye enye i-SC kufuneka inike impendulo ebhaliweyo. Ukuba ufumene ukwenqaba okanye awuphendulwanga nonke, ngoko kufuneka ukhononde ngakumbi. Kungcono ukuba unesaziso malunga nokuthumela isikhalazo kwinkampani yomshuwalense.

IBhanki Ephambili yeRussia Federation

Ukulawula imisebenzi ye-auto insurers okwangoku liziko lombuso kuphela, elinemithwalo enxulumene nayo. Kwakhona unomsebenzi wokukhupha iilayisenisi kwiinkampani zomshuwalense. Le ntlangano yiBhanki Ephakathi YaseRashiya. Imisebenzi yakhe iquka ukufakela iintlawulo ze-OSAGO kunye neengxenye zokugcina izinto. I-Bhanki Ephakathi ihlola ukukhanya kwezimali zeenkampani zomshuwalense. Ukuba kuyimfuneko, unako ukumisa ilayisenisi, okanye ukuyihoxisa. Ukongezelela, iBhanki Ephakathi kwixesha lwakutshanje sele liqeshe ulawulo lwexeshana kulezo nkampani ezithatha ingxaki.

Unceda njani abanini-nkqubo?

Kuye kwenzeka ukuba abaqinisekisi baseRussia baxhomekeke ngokupheleleyo kwiBhanki Ephakathi. Ngaloo ndlela, nguye owona mlawuli ogunyazisileyo apho ukukhononda malunga nenkampani yomshuwalense, ukuba kuyimfuneko.

Ukuba ukwenza ngokuchanekileyo nangokuchanekileyo ukubhala nokudlulisela ibango ebhaliweyo, uza kufumana impendulo ngokukhawuleza kwaye ubone amanyathelo athathweyo malunga nenkampani yomshuwalense. Phakathi kwezigwebo, i-UK inokulindela ixabiso elikhulu.

FAS

Inkonzo ye-Federal Antimonopoly enye iziko elinikwe imisebenzi yokulawula abaqinisekisi kunye nomnye umzekelo apho ukukhononda malunga nenkampani yomshuwalense. I-FAS isoloko ijezisa abo baso-inshorensi, ukuba ngaba oku kulandela ukuphula umthetho, kubandakanye nezo zihambelana ne-insulatory ye-TPL yomshuwalense.

Mhlawumbi, ininzi, ukuba ayinabo bonke abanikazi bemoto, baqhelana nokumisela iinkonzo ezongezelelweyo zomthwalo wenkampani yesithathu. Kubalulekile ukujonga kwiisayithi malunga ne-inshurensi, kwaye unokufumana izigwebo eziqiniweyo ezibekwe kwi-insurers malunga noku. Inani elibalulekileyo liza kubeka inkampani eya kubanjwa ukuthengisa amakhadi okuxilonga okanye ukubeka i-inshorensi yobomi xa ufumana inqubomgomo yomshuwalense.

Ewe, ngokuqhelekileyo e-UK abavumelani nokuhlawula ixabiso kwaye bazame ukukhenkceza isigqibo kwinkqubo yenkundla. Kodwa kwiimeko ezininzi ezo zimeko zibalahlekelwa. Ngoko ke, kufuneka uhlawule. Ngaloo ndlela, iinkampani ze-inshorensi zinesikhuthazo esinamandla ukuqinisekisa ukuba kunenzuzo kakhulu ukubonelela iinkonzo ngokufanelekileyo kunokuba zihlale zisengozini kwaye zibanjwe ngezenzo ezingekho mthethweni.

Ngaloo ndlela, enye indlela yokukhalaza ngayo inkampani yomshuwalense ye-OSAGO, yi-FAS, ukuba kukho iingxaki ekuthengeni okanye kwandisa isivumelwano. Ngaphezu koko, kweli liziko lombuso kufuneka usebenzise ukuba unyanzelekile ukuba unike iinkonzo ezongezelelweyo xa wenza imboleko yemoto. Ngelo xesha, musa ukulibala ukuba apha, njengokuba, ngokwenene, kwezinye iimeko, kufuneka ufumane ubungqina bokuzisa i-SC enobulungisa.

SAR

Umbutho waseRashiya we-Auto Insurers ngumbutho onobungcali weenkampani zomshuwalense. Injongo ephambili yokudala le ntlangano engenzi nzuzo yayikulawula imisebenzi yabathathi-nxaxheba kunye nokuphunyezwa komthetho we-inshorensi. Nangona kunjalo, ekusebenzeni, imisebenzi yayo yavela eyahlukileyo. I-RSA ihlawula imali yezo nkampani ze-inshurensi ezinelayisenisi zazo. Olu luncedo oluncedo kakhulu kubanini bemoto. Kodwa ngexesha elifanayo kuyafaneleka ukuba sicinge ukuba ulawulo lombutho luququzelele kubantu abakhulu beenkampani ezinkulu ze-inshorensi. Ngako oko, izikhalazo ziyakucingwa ngamashishini afanayo apho zingeniswe khona.

BCC

Enye inhlangano, ebizwa ngokuba yi-Union-Russian Union yama-inshurensi, ineengxaki ezifana nale yangaphambili. Ukuqhubela phambili kwimisebenzi ephambili, epapashwa le mibutho, kuyacaca apho umntu angakhonona ngomsebenzi wekampani yomshuwalense. Ngelo xesha, umbuzo uvela malunga nendlela izikhalazo ezijoliswe ngayo.

Ewe, baya kwamkela. Nangona kunjalo, kukho zonke izizathu zokungabaza ukuphumelela kwamanyathelo afanelekileyo kwimpampani yomshuwalense. Emva kokuba ufunde lo mkhuba, unokugqitywa ukuba izikhalazo kumaziko karhulumente ziya kusebenza ngakumbi kunokuba zibhenwe ezibhaliweyo kwimibutho yeenkampani zomshuwalense.

Kodwa ngaba banceda into ethile?

Nangona kunjalo, akunakwenzeka ukukhankanya uncedo abanini bemoto abafumanayo kwimibutho yabasebenzi bango-inshurensi. Kwaye nangona inkxaso eyona nto ingcaciso, kodwa yinto inokusebenza. Kwisayithi, umzekelo, yonke imithetho kunye nezinye izenzo zokulawula malunga nenqanaba le-inshurensi yemoto zichazwe. Apha ungayifumana enye ingcaciso efanelekileyo.

Unokubala ukuba ingakanani umgaqo-nkqubo we-inshorensi onyanzelekileyo uza kuhlawula. Kwakhona kwisayithi zikhokelo, apho iindleko zeengxenye ezongeziweyo ziboniswa. Oku kuya kukuvumela ukubala inani elichanekileyo lemali kuzo zonke iinkcukacha eziyimfuneko emsebenzini wokubuyisela ofunwa yimoto emva kwengozi.

Kodwa kuyacaca ukuba oku akusiyo ndawo apho kufuneka ukhonothule malunga nenkampani yomshuwalense ye-VHI okanye umshuwalense wezempilo ukuba ezi nkonzo zenziwa xa kuthengwa umgaqo-nkqubo.

Rospotrebnadzor

Ngaba kunokwenzeka ukuxhomekeka kuncedo lweRospotrebnadzor ukuba kukho iimeko eziphikisanayo phakathi kwe-inshurensi kunye ne-insured? Ngokusekelwe kwingundoqo yomgaqo-nkqubo, umnini wemoto ungumthengi. Yingakho igunya linelungelo lokubanceda. Yaye loo nto yayinjalo xa intlangano iphakame ngamalungelo abanikazi bemoto.

ISebe lezeMali, kunye neengxaki zomshuwalense we-TPL yomshuwalense okanye ukufaka i-inshorensi eyongezelelweyo iinqununu zayo malunga nokuba kuphi isikhalazo malunga nomsebenzi wekampani yomshuwalense. Izikhalazo, ngokusekelwe kwezi ngcebiso, mazifakwe kuphela kwiBhanki Ephakathi. Ngelo xesha, abanikazi bemoto bangafaka isicelo kwiRospotrebnadzor.

Ukuba akukho nto inceda

Ukongezelela, kukho omnye umzekelo onamandla. Le yile ofisi yomshutshisi. Abaqeshwa bayo banyanzelekile ukuba baphendule ngokuphulwa kwamalungelo nenkululeko yabanikazi bemoto. Le yindawo apho ungakhonona malunga nenkampani yomshuwalense yeCASCO okanye OSAGO. Kodwa kuphela ukuba kungekho bu bungqina becala le nkampani, ngoko ke akunakuncedo ukuya khona. Ubungqina bungabakho, umzekelo, ubungqina bobufakazi bokuziphulaphula. Ukongeza kwezikhalazo ku-CASCO kunye ne-OSAGO, unokukhalaza ngokuziphatha okungalunganga kwabasebenzi base-UK, umzekelo, ukuba kukho isibheno esinzima kubaxhasi. Kule meko, abaphulaphuli banokulindela isigwebo solawulo olukhulu.

Isiphelo

Ngaloo ndlela, kuvela ukuba nangona isisombululo esisemthethweni sikhalazo malunga nabanini-mshishino bomshuwalense kuphela kwi-Central Bank yaseRussia Federation, kukho iziganeko ezininzi apho abanikazi bemoto bangakhonona ukuba amalungelo abo aphulwa.

Xa ukhetha apho uya khona, qhubela phambili kukuphi uhlobo lokuphulwa okurekhodiweyo kuwe. Kwakhona kunqweneleka ukuba isikhalazo sixhaswe ngobungqina. Emva koko awukwazi ukuphuma kwinkampani ye-inshorensi.