Kupanga pangano CTP, madalaivala ambiri amaona kuti mokakamiza, si monga inshuwalansi, osati kwenikweni akuyembekezera kuti ndalama pamene chochitika inshuwaransi. Izi zili choncho makamaka chifukwa cha chikhulupiriro zoipa kampani ya inshuwalansi munthu kukana makasitomala ndalama kapena njira zonse zotheka zomwe kuwanyeketsa ndi ndalama zochepa.
Mwatsoka, pali milandu pamene kasitomala likukhudza pansi mfundo avtograzhdanki ali wowirikiza nthawi zosakwana mtengo wa galimoto kukonzedwa. Mu njira zambiri, izi zimathandiza kuti avale mawerengedwe makampani inshuwalansi MTPL ntchito zololeka. M'malamulo alipo, ndi inshuwalansi akuda ali ndi ufulu kugwira mawerengedwe a depreciation pa CTP kotero kuti si upambana nthawi 0,8 mtengo wa mbali latsopano. Choncho, likukhalira kuti insurer ali ndi ufulu kupereka 20% ya phindu chenicheni, chomwe iwo akuyesera kuganizira zoti likuwonongeka kwa pazipita lapansi.
Komabe, ngati lamulo mokakamizidwa galimoto TPL kuwerenga mosamala (mpaka pamene akufotokozedwa CTP avale mawerengedwe), likukhalira kuti inshuwalansi akuda si nthawi zonse ali ndi ufulu ntchito mitengo pazipita. Makamaka, mlingo kudzadalira zaka zingati galimoto inshuwaransi, dziko limene iwo anapanga, ndipo sanasinthe ngati mbali zowonongeka pamaso (mu Zikatero, depreciation aziwerenga MTPL mwatsatanetsatane anapanga polingalira msinkhu wake, osati m'badwo wa galimoto).
Komanso, malamulo amapereka kuti mbali zina amalipidwa mosatengera kuti depreciation. Ngati mawerengedwe a inshuwalansi akuda malipilo kuti suona lamulo limeneli, likukhalira kuti iwo anaphwanya malamulo, ndi kasitomala ndi ufulu wotilamula ndi payout kwambiri bwalo.
Ambiri kunyalanyaza kampani ya inshuwalansi kusangalala chakuti makasitomala awo sali bwino lamulo mokakamizidwa inshuwalansi galimoto TPL ndipo alibe mwayi kuphunzira mosamala. Ngati kasitomala, popeza familiarized ndi mawerengedwe kuwonongeka, ndidzakuwonetsa nzeru zawo ndi kufunsa pa zifukwa ziti ndi mkulu anali ntchito mlingo wa avale, zikuoneka kuti kampani inshuwalansi adzakhala kuŵerenga litigation ndi mawu osafunika. Choncho, pamene inu kulankhula ndi inshuwalansi kampani kwa kasitomala kuchita zinthu bwino m'munda wa inshuwalansi katswiri, ngakhale mfundo zimenezi si zoona.
Sankhani inshuwalansi kampani, ngakhale kuti kalembera wa inshuwalansi kuvomerezedwa zikhazikitsidwe osati tariff osachepera (tsopano malo pafupifupi insurer aliyense ali ndi Chiwerengero wapadera kuti amalola makasitomala kuwerengera galimoto inshuwalansi pa wawo) ndi mlingo kampani, ndemanga kasitomala ndi yoona. Ngati inu kusankha insurer wabwino ndi mbiri olimba, mfundo zimene makasitomala ake, ndi depreciation mawerengedwe CTP adzakhala bwino mwalamulo. Pankhaniyi, ndi kasitomala akhoza kukhala mosatekeseka kuti sananyengedwe mu kuwerengetsa kuwonongeka, koma Musataye tcheru - bwino cheke analemba pomaliza, pamaso kusaina. Kukhala tcheru kasitomala konse umapweteka, makamaka pankhani ya zachuma, monga lisiti la malipiro inshuwalansi.