Yintoni CTP?

Ukuhlalutya umbuzo oko CTP, kufuneka sinikele ingqalelo mthetho. Umthetho liability civil ithathwa njenge nokubuyiselwa isigxina umonakalo obangelwe obonwa yi kwixhoba. Kubonakala ukuba undoqo motor liability wesithathu kukuba wena umqhubi bathembisa ukuvala nawuphi na umonakalo unokubangwa kuwe endleleni. Umzekelo, ukuba kufuneka uhlawule ukuze ukulungiswa kwemoto, leyo udubuleke, yaye lowo angazihlawulela ngeenyawo, wena zakuphatha, unyango.

Ekuqaleni, emva kokuba nasiphi ixhoba kwengozi kunye nomoni kufuneka ukuba baqonde nemiba yembuyekezo umonakalo kwimpilo yoluntu kunye nesithuthi. Ivamile oku ungquzulwano rhoqo ekubeni iqela ngalinye wayeyiqonda yayo zesimo isixa eyanelisayo imbuyekezo. Yaye kusoloko umenzi wobubi lwanikwa ithuba ahlawule imali efunekayo kwixhoba. Ngenxa yale ingxaki olongezelelweyo ukuvela zokuhlala kwalo mba. Sisombululo mfazwe eRashiya uye waphunyezwa ngendlela oluphucukileyo ngo-2003, xa bonke abaqhubi banyanzelekile ukuba benze imoto inshorensi MTPL. Oku ukuba abaqhubi ukuba Ungakhathazeki malunga umonakalo bakufikise, njengoko wathabatha uxanduva kwinkampani ye-inshorensi. Umonakalo kuqikelelwa ziingcali ezizimeleyo. Kakade ke, oku akuthethi ukunciphisa inani lemibuzo kunye nezikhalazo, kodwa kwenza kube lula ukuba ungenakuxhomekeka esemagqabini.

Ngoko ke, yintoni na CTP kunye nemisebenzi njani konke? umthetho Russian kufuna nawuphi na umnini wesithuthi ukuba inshorensi iphezulu emva kweentsuku ezintlanu yobhaliso yesithuthi kule propati. A imoto engenayo Isixhobo nkqubo liability insurance, akuyi ibhaliswe amapolisa ezendlela, kwaye ulawulo abavumelekanga ngaphandle nkqubo.

Ukuba umbuzo wokuba yintoni na CTP, efana ecacileyo, kufuneka bathi abo bathatha inxaxheba inshorensi motor. Olu hlobo inshorensi kudala zenziwa kumazwe ahlukeneyo, ngoko ke indlela elula kunazo umvuzo ngenxa umonakalo kwabangelwa kwingozi yemoto. In Russia kuphela amalungu Union of Auto nabaKhuseli lingasebenzisa inshorensi lwemoto liability insurance ne-mvume efanelekileyo ekhutshwe yi-Federal Service for Insurance Supervision. Lo mbutho isiqinisekiso sentlawulo-inshorensi, akunamsebenzi nokuba kwenzeka ntoni na kwinkampani yakho. Nokuba iintlawulo ezifunekayo ziya kwenziwa abantu abancedwayo yimali ngenxa yokuba kukho ekhethekileyo fund X-ray.

Yintoni a CTP nendlela ukufumana kakhulu kuyo, kunjalo, kodwa ngoku kuwe nto umbuzo wokuba yintoni olu hlobo lwe-inshorensi. Lo mgaqo-nkqubo iqinisekisa ukuba unguye umsunguli ingozi yemoto, inkampani ye-inshorensi iya kujongana imbuyekezo. Le nkampani elimele inshorensi yomntu kuthwalelwa phandle izibalo ezisekelwe amaxabiso avareji ezikhoyo kwingingqi apho kwenzeke ingozi. Xa sithetha ngalo imoto leyo yonakele, ngoko yonke imali itsaliwe iinxalenye banxibe. Xa kubalwa imali yembuyekezo ukuba ngomonakalo ngokwasempilweni kuthathelwa ingqalelo iindleko zokubonelela ngeenkonzo zempilo kule ngingqi, yokunyamekela amaxhoba, isixa imivuzo elahlekileyo. Kwaye phezu ukwenzeka yengozi ebuhlungu - imbuyekezo intsapho ngokulahleka umondli, yaye iindleko zomngcwabo.

into enzima kunene - ekufumaneni MTPL imbuyekezo. Inshorensi - kuba ngokubanzi nzima kakhulu. Okokuqala kubalulekile ukwenza phezu kokuvela isiganeko inshorensi ngokwayo. Kufuneka ukubiza ekuvele kuyo ingozi amapolisa ezendlela, kodwa silandela nokugcwaliswa echanekileyo iziqinisekiso neenkqubo. Ekubeni abaqhubi ukuqonda indlela konke oku kungathatha ixesha, kunqabile ukuba bafune intlawulo inshorensi kwi imikrwelo ezimbalwa phezu ngesivuno, nezipili ezaphukileyo okanye iiglasi.