Yiyiphi lixhomekeke isohlwayo ukuba CTP kwako?

Kwiminyaka yakutshanje, kukho izinto ezithile xa abaqhubi iimoto ngenxa yezizathu ezahlukeneyo, musa ukuba ixesha okanye ukulibala ukuvuselela inkqubo MTPL. Noko ke, asinguye wonke umntu uyazi ukuba yintoni na kohlwaywa ngayo, kunye nayo yonke into. Emva kokuba ethweswe inshorensi, kodwa ixesha layo nje lixesha ...

nkqubo Malunga esalele

Kutheni na amatyala ukuba CTP kudala?

Kuba isiqalo kubalulekile ukukhumbula phawu omnye ibalulekile yaye kubalulekile kwinkqubo yobhaliso CTP, nto leyo kunefuthe ngqo kwi izehlo olongeziweyo kokulibazisa yayo.

Izizathu eziphambili zokulibaziseka okwenzeka pholisi umqhubi banal ekukhohlweni okanye umnqweno oqotho. Ezi zizathu saziwa, kodwa kukho omnye - ubunzima ekudluliseleni nkqubo ngenxa ufolo enkulu. Ukuba phambi kokuba umqhubi kwafuneka alinde de kufike elawo iiyure ezintathu, kodwa ngoku ixesha lokulinda liye landa amaxesha amaninzi, kwakukho nokuba pre-irekhodi ukwandiswa inshorensi, ixesha anokuba iinyanga ezintathu. Yintoni unobangela umgcelele? Yinto elula: emva kokuba irhafu-inshorensi, kunye nokubuyiselwa yandiswe ngokubonakalayo, iinkampani ezininzi inshorensi bazama ukuphakamisa ukusebenza abo baze abaxhasi bazo kwi-inshorensi MTPL kunye nomthwalo inshorensi propati okanye impilo, umzekelo.

Kungenxa yale kwaqala ukuvela Imigca emide kwezo iinkampani ze-inshorensi ukuba musa ukunyanzela nabathengi ngeenkonzo ezongezelelweyo. Inxalenye le meko yenza kube lula ukugcina inkonzo phezu ubhaliso nkqubo inshorensi elektroniki, kodwa ipesenti yabantu abathembela iindlela ezifanayo kangaka esezantsi.

Unokuphila ixesha elide kangakanani ride ebalaseleyo inshorensi MTPL? Siza baya kuqonda.

ingqiqo edityaniswe kwenye

Bonke abaqhubi kufuneka bazi ukuba ayikho into enjalo namhlanje. Alithandabuzeki elokuba, ukusetyenziswa kwale kota ku olusezantsi iluncedo ukubhekisela non-ukwandiswa le-inshorensi, kodwa akubanga ixabiso ngokusemthethweni into enjalo ukususela ngo-2009. De kube lelo xesha, savula umthetho ngawo umqhubi ukuba ngokusemthethweni kwisithuba senyanga ukuya kwi-nkqubo, iphelelwe lixesha. Lixesha ukunika abaqhubi ukuba ukhethe kwinkampani ye-inshorensi kunye isigqibo imfuneko ukwandisa le nkqubo. Ngeli xesha, lo mgaqo-nkqubo yaye kuthiwa ebesilindelwe, kodwa yena waba amandla omthetho. DPS akazange abe nelungelo lokuba isigwebo CTP emva kwexesha.

Kodwa namhlanje kukho ilungelo elinjalo, kususela kwimini yokuqala kokulibazisa, ngenxa yokuba, ngokungqinelana kunye nezilungiso kwavunyelwana ekupheleni kwekota yowiso-nkqubo ilahlekile nokunyaniseka yayo ngokomthetho, kwaye nayiphi na imiqathango eyongezelelweyo bengekho.

Ngoko ke, ukuba CTP bekukudala lufuneka, ungafumana isohlwayo ngosuku lokuqala emva kokuba iphele semthethweni yayo. Makhe sibone ukuba yintoni izohlwayo kubonelelwa, kwaye kwezinye iimeko zibe isicelo namhlanje.

Iintlawulo ze-nkqubo MTPL engahlawulwanga

Eku sunguleni, kude 2014, wabekwa entle jikelele, kwaye ubukhulu kube engange 500 for ukunyhashwa ezifanayo, ezifana ukulibaziseka, ukunqongophala komgaqo-nkqubo okanye ukungabikho kwalo phezu umqhubi wemoto ulawulo isandla abo akangenanga kwi-inshorensi. Ukongeza, i entle ingawangqi- kusetyenziswa amanyathelo kakhulu ngakumbi - nako ukuthintela ukusetyenziswa isithuthi, susa amanani, kunye nokuba uthumele imoto kwi yokupaka isohlwayo.

Kwimeko zokurhoxa amanani umqhubi usuku ukwenzela ukuba benze kakuhle le nkqubo kwaye bazise umva iinombolo zabo.

Ukuza kuthi ga ngoku, njengoko sele siyazi, ukuba CTP bekukudala lufuneka, wabeka isohlwayo. Ukuze ufake isicelo isohlwayo onjalo umqhubi ukonileyo angakwazi ngoko nangoko ukususela ngomhla wokuqala nkqubo kokulibazisa. Le oda emela inxalenye yokuqala yeSiqendu №12.37 uMgaqo Administrative, leyo zihlaziywa kutshanje - Oktobha 15, 2014. Ezi zilungiso wangena ukusebenza ngomhla we-15 Novemba 2015.

Inxalenye yokuqala yale nqaku lichaza ukwayo ezithile nxamnye umqhubi xa uqhuba kunye CTP eziphelelwe lixesha. Kubonakala, ikhowudi ezihlaziyiweyo awuqulathanga i ingqiqo ka "nkqubo engahlawulwanga", kodwa ke le inxenye umthetho efanelekileyo kweli nqaku.

Zeziphi yezohlwayo ngokunxulumene umqhubi?

Impela nje, umthetho ubonelela isohlwayo sama 800 engange. Oko kukuthi, ukuba umqhubi hlasi umkhombe, waphuma esibhedlele ocoliweyo, ndimkhulule - akukho ezinye izohlwayo nje isicelo. Oda le esinye isizathu ukwala ngabom ubhaliso komgaqo-nkqubo; umqhubi ngubani ikakhulu ehamba kwimimandla apho ajikeleza ezinqabileyo wamapolisa zendlela, izihlandlo eziliqela axabisa ukuhlawula isohlwayo ngenxa CTP kade, kunokuba bachitha isixa esikhulu ngenxa yokumpompoza inshorensi. Kufuneka kuqatshelwe ukuba lo mkhwa kuluncedo kuphela xa umqhubi uya ngaphandle kwengozi.

Ngoku sinako ukuqonda imeko isohlwayo. Kodwa ke ukujongana nale umbuzo kuvela kaninzi: mangaphi amaxesha ngemini DPS ngumhloli unokumohlwaya umqhubi ukuba CTP kudala?

Lo mbuzo kunganxulunyaniswa ukungaqondani kudidi - oku kunjalo, ukuba ngokungqinelana neSiqendu №4.1 ibango 5 loLawulo Code DPS uyakhona Mayivakale umqhubi izihlandlo eziliqela ngenxa kwityala elifanayo. Le ukudideka sahlanganisa kukuba ithuba wokucinywa emini ukuya kwiphepha amanani lirhoxisiwe - kulo mzekelo, kuwiswe izohlwayo musa uku.

Kodwa namhlanje meko iye lilimbi isohlwayo engahlawulwanga inshorensi CTP ezifakwe nanini sisibakala kokulibazisa. Oku kuthetha oku kulandelayo: kukophula eso evakalayo njenge isithuthi control kwiindlela zoluntu yokungabikho komgaqo-nkqubo inshorensi CTP. Oku amalungiselelo ezimbini ezibalulekileyo:

• Umgaqo-nkqubo inshorensi okuphelelweyo akukho uhlobo olwahlukileyo lokubetheka, lasebenzisa yokungabikho zokhuseleko konke konke.

• Kuba Enyanisweni nganye kubonakele ukuba bahambe ngaphandle MTPL lixhomekeke isohlwayo eyahlukileyo.

Kubonakala ukuba isohlwayo uya kuhlawuliswa hayi ngenxa yokungabikho komgaqo-nkqubo okanye kokulibazisa, ngenxa ngentshukumo iindlela ngaphandle nkqubo. Oko kukuthi, ukuba anithanga usebenzise iindlela eziqhelekileyo, kwaye umgaqo-nkqubo nantoni na.

Ngoko ke, ngalo lonke ixesha kukho imbono kwindlela ngaphandle nkqubo, kuba sisiganeko esahlukileyo ezimeleyo lwetyala kunye nesohlwayo ixesha ngalinye abahlule - 800 engange ukuba kwimeko nganye lungabanjwa. I wonder oko ukubamba, uze angadliwa umsebenzi ofanayo MRF, ukuba oko kuyenzeka. Kwaye yintoni kukho isohlwayo ngenxa CTP emva kwexesha amaqumrhu asemthethweni?

Izohlwayo for nkqubo asemva ukuba amaqumrhu asemthethweni

Ngenxa yoku i-mthetho olo lungagqitywa ngokupheleleyo. Ingxaki kukuba abantu ngokusemthethweni ukuba zothutho sawo soshishino, ukhululekile ukuba isigqibo kwimfuno isithuthi-inshorensi (ngokwahlukileyo ngamnye).

Noko ke, imbopheleleko onke amatyala enxulumene ne-inshorensi, nje umqhubi, hayi umqeshi iqumrhu elisemthethweni. Hayi kwisekethe kakhulu ubhalo, kunjalo.

Kubonakala ukuba izohlwayo inshorensi engahlawulwanga iya kuhlawuliswa abasebenzi abo baqesha liqumrhu elisemthethweni. Kulo mzekelo, singakwazi ukunikela kuphela icebiso abanye abaqhubi salaried:

1. Kuyimfuneko ukuba uzikhumbuze ukuba umqeshi wakho isngenayo umhla wokuphelelwa we-inshorensi. Kwaye yenza kube ngcono kwangaphambili - ezintathu iinyanga ngaphambi kwexesha elibekiweyo.

2. Ukuba ngaba kufuneka uhlawule izohlwayo umqeshi nankathalo, kufuneka zonke banelungelo lokufuna imbuyekezo efanelekileyo. Ukuba uyala ukuvala esi, lo mbuzo yoconjululwa kwesesikweni nokuba yebango pre-kwetyala, nokuba esebenzisa ibango lomonakalo kwiinkundla. Ngaba kunokwenzeka ukuba CTP zibuyiswe zingabuthisi amanani? Kule kamva.

amagumbi Ukurhoxiswa kunye nokufunyanwa kwindawo yokupaka yesohlwayo

Amaxesha amaninzi umbuzo umbuzo komyalelo: Ngaba DPS Abahloli beendawo ilungelo elisemthethweni ukuqesha kumagumbi kwi-inshorensi imoto ukuze engahlawulwanga okanye kuphunywe kuyo kwi esikiti imoto?

Umthetho uyaphendula ngokucacileyo into yokuba: Akukho, abahloli akukho lungelo.

Ngokucace kakhulu, ukuba sele unayo, kodwa ngaphambi kokuba wayenelungelo enjalo. It irhoxisiwe ngokususa №27.13 inqaku yeKhowudi Administrative, leyo kulawulwa izenzo abaqhubi lesohlwayo ngenxa umthetho onjalo. umthetho otshitshiswe othintela ukusetyenziswa kwesithuthi.

Kutshanje, umqhubi uyakwazi ukuphatha i esingenakubalwa leekopi amanani karhulumente. Kule meko, njengenyathelo ezinxulumene ne ekurhoxisweni amanani, ilahlekile intsingiselo yalo pfunaka. Okuhamba lucinyiwe kwaye ngobungxamo yeemoto sipakwe kwi bhokisi, leyo yenza abahloli DPS. Kufuneka uyavuma ukuba akukho isohlwayo ncam kisekiyo ngokuba eziphelelwe CTP inshorensi. Ngethamsanqa, le amanyathelo kwixa elidlulileyo, kwaye ngoku umqhubi kukhanya kuzolunga.

Ngenxa yolo tshintsho, ochukumisa CAO, abaya kuthathelwa ingqalelo HIV.

Imiphumo kwingozi e CTP engahlawulwanga

ngaba uye ixesha elingakanani kwaye kuthetha ntoni?

Ukuba ingozi kunye inxaxheba yakho kunye ne-inshorensi yakho siphelile, izibonelelo isohlwayo sama-800 engange kuya kufuneka ukuba uhlawule kuyo nayiphi na imeko, kwaye ubugwenxa bakho okanye nobunyulu kuyo awuchaphazeli.

Ukuba ngaba uzifumanisa kwingozi iqela owenzakeleyo, umbuzo ngesigqibo umonakalo yonke indlela phezu kwakho. Kuyenzeka ukuba ukusombulula le ndawo, kwi yaphambi kwetyala okanye enkundleni.

Ukuba ingozi ityala lakho, emva koko yonke imali yeendleko ukuze abuyekeze iqela owenzakeleyo uya kuwa phezu kwakho. Mhlawumbi kufuneka uhlawule kuyo nayiphi na imeko, ukususela ifayile kuninyamekela itoti enkundleni kwaye ixhoba, yaye inkampani yakhe inshorensi.

Ngaba kunokwenzeka ukuba ukuphepha izohlwayo nkqubo MTPL emva kwexesha?

Maxa wambi kuyenzeka ukuba abaqhubi bamangalisiwe malunga nokwenzeka bokuphepha isohlwayo nkqubo engahlawulwanga.

Kusenokwenzeka kubonakale engaqhelekanga ukuba ithuba enjalo! Kodwa kuyimfuneko ukuba luthathele ingqalelo ukuba le ndlela isebenza kuphela ukuba pre-umqhubi ukulungiselela i "capture" ngumhloli amapolisa ezendlela, ezinokuthi zenzeke. Enye imeko ebalulekileyo phambi omnye umqhubi ngasemva ivili wesithuthi sakho.

Yintoni ekufuneka uyenze? Kuya kufuneka ukuba wenze kuye nabani na amandla elula egqwetha ukulawula isithuthi, wabeka umntu ngasemva isondo imoto yakho uze ukuqhuba ngokukhuselekileyo kunye naye ishishini lakhe. Kulo mzekelo, akukho ukoyika isohlwayo.

Kubangel 'umdla ukwazi ukuba ebanjwe uqhuba amapolisa ezendlela, igqwetha akayi ukudlala indima, kwaye kufuneka uhlawule isohlwayo. Masiqonde, yintoni eyona ukubamba, yaye kutheni oku kunokwenzeka.

Oku ukuze, ngokungqinelana nomthetho kwi-inshorensi motor TPL enyanzelekileyo, ekho amandla egqwetha ukulawula ukuba umntu lowo amandla egqwetha esibhedlele, abakhwetha ngokuzenzekelayo ukuvela amalungelo obunini besithuthi. Kwaye oku, ke, lunika ithuba iintsuku ezili-10 ukuya ukulawula isithuthi ngaphandle inshorensi.

Okubalulekileyo! Kulo mzekelo, ukuba uyayeka umhloli endlela kwi ivili kufuneka ngqo okanye utrasti, kunye amandla egqwetha kunye nesatifikethi sobhaliso iya kugcinwa trustee.

Le meko aphesheya

Zeziphi izohlwayo nkqubo MTPL emva kwexesha ziyabonelelwa kwamanye amazwe?

Ukuba thelekisa Russia namanye amazwe, isohlwayo isohlwayo sama 800 engange - akwazuza.

Ngokomzekelo, kumazwe EU ukuba kolwaphulo efanayo yomqhubi kufuneka ahlawule zii-300 ukuya kuma-700, yaye kwezinye iimeko kunokwenzeka kunye mvume nokumiswa.

Loo isohlwayo kwi Ukraine elandelayo kunye namahlwempu kakhulu nama-425-850 hryvnia, nto leyo iphezulu kakhulu isohlwayo Russian.

data ezinjalo zibonisa ukuba sinako silindele omnye kwentengo. Noko ke, xa update olandelayo penalty ayikenziwa kwaziwa.

amacebo aluncedo

Akukho mfuneko kulibazisa intlawulo fayini. Xa uhlawule isohlwayo kwiintsuku ezingama-20 emva kokuba ukunyanzelwa isaphulelo se-50%. Ukuba kunokwenzeka dodgers, ngoko ukuze zingasetyenziswa namanye amanyathelo othintelo, ezifana kuvalelwa yolawulo iintsuku ezili-15, okanye ukuqeshwa iiyure ezingama-50 zenkonzo yoluntu.

Akukho mfuneko ukuba abahloli krwada DPS, ukuba ubhala isohlwayo engahlawulwanga liability Isixhobo nepolisi ye-inshorensi. Ngeli xesha kukho naziphi na iimeko ezithile kwindalo, umhloli kufuneka babhale nje ifayini, kungekhona ukuze akhuphe isilumkiso njalo.

isiphelo

siyaqonda Ngoku ukuba eneneni ukuthini igama elithi "inshorensi engahlawulwanga" kwaye enelungelo ukuhlukumeza wohlwaywe ezifana namhlanje. Njengoko izinto kweli nqaku, ungakwazi ngokulula isigqibo asinike okanye hayi, ukuba emotweni yakhe phambi kwe-nkqubo eziphelelwe lixesha. Oku kuya kuvumela ukuthatha amanyathelo ayimfuneko kwangaphambili. Kwaye elinye icebiso: musa sinayo inshorensi ezinyanzelekileyo. Ngokwenene kubonelelwe bantu ukuba aququzelele ukhuseleko ezindleleni phezu kweendlela kunye nomdla wabo bonke.

Ke ukuba ngoku ipolisi ye-inshorensi MTPL engahlawulwanga uya kukhutshwa online. Kukuba fast and ayibizi kakhulu. Ngenxa yokuba inkqubela na ukuma, rhoqo ekuphuculeni iinkonzo. Ngoku ke imoto unako-inshorensi ngexesha elifanelekileyo, ngaphandle kokushiya ekhaya.