Zotuluka pa matenda khadi galimoto

Zotuluka pa khadi matenda zimadalira chaka galimoto chitsanzo (osati tsiku yogula, monga eni ambiri) ndipo anasonyeza mu chikalata chikalata. Zimakhala kapena chaka chimodzi kapena ziwiri.

Chifukwa kuyendera choyamba, ndipo kenako MTPL mfundo?

Madalaivala ambiri August 2015 zinali chidwi kwambiri kudziwa kuti chida mfundo udindo inshuwalansi sungagulire, ngati si anapambana mayeso. Nthawi imeneyi zinali zosiyana - woyamba kupeza inshuwalansi, ndiye mwayi mayesowo. Pamaso pa khadi matenda (DK) mu galimoto mu 2012 ankafunika pamene afufuze magalimoto apolisi Woyang'anira. Madalaivala Choncho ndi udindo waukulu m'gulu ntchito yoyendera, makamaka iwo amene ali kumbuyo gudumu la zaka zoposa khumi. Tsopano osayanjanitsika, pamene unali woyenerera wa matenda malekezero khadi.

Popeza August 2015 inayambanso zofunika watsopano kulembetsa mfundo MTPL. Ndipo pa mfundo imeneyi malipiro ngati ngozi pa "avtograzhdanki" wosalakwa kwambiri ndi zitsulo pafupifupi rubles 400 zikwi. Chinawonjezeka mtengo wa mokakamizidwa galimoto TPL inshuwalansi mgwirizano: poyerekeza ndi chiyambi cha 2015 - pafupifupi kawiri.

Liwu la matenda khadi n'loonadi

CTP kuyang'anira m'pofunika kuti apite ku siteshoni utumiki pamaso pa mapeto a mgwirizanowo inshuwalansi.

Lamulo wosasintha mu 2015, ukugwira ntchito mwamphamvu. makampani alangizi inshuwalansi alibe ulamuliro wakuzenga malamulo, osati kuonetsetsa kuti zotuluka pa khadi matenda akhoza kuchita izo. DK - chimodzi kuchokera pa mndandanda wa zikalata zofunika, amene insurer amatipatsa inshuwalansi kampani, pamodzi ndi pasipoti wachibadwidwe wa inshuwaransi ndi mwini ndi zikalata galimoto (udindo kapena kalata ya kulembetsa mu apolisi magalimoto).

Kuti imatiuza za inshuwalansi mlangizi

The zonse matenda khadi ali ndi kusindikiza wa kampani dzina imaonekera mu lemba ngati pali malo. Yotsirizira ayenera kutsatira zofuna anayamba ndi Soviet Russian wa Auto inshuwalansi akuda pamodzi ndi apolisi apamsewu. Zotuluka pa khadi matenda (nambala ena, ndi chaka) imaonekera, monga ulamuliro, pa lachiwiri (kumbuyo) pepala DK. Consultant ali wofunikila kuonetsetsa khadi alibe anatsirizika.

Ngati chinachake khadi matenda ndi akuganiza wantchito wa inshuwalansi, iye afunika kukaonana ndi bwana wanu kapena mwachindunji pa mzere adiresi mu EAISTO (yunifolomu maziko loyang'anira luso, apolisi magalimoto kukhazikitsa okwerera utumiki zatulutsidwa). dongosolo chitsimikiziro amasonyeza kokha pamene nambala ndi zotuluka pa khadi matenda anayendera chomveka.

Pa kulakwika kwa kapangidwe mfundo kuli kovuta. Ngati wantchito wa inshuwalansi kutenga inshuwalansi ndi mapu kwambiri matenda wake, choyamba, adzakhululukidwa chindapusa (zambiri kuposa malipilo) ndipo nthawi zambiri zipolopolo, ndipo kachiwiri, inshuwalansi sadzachita nawo malipiro pansi mgwirizano umenewu, pamene anayendera galimoto yatsekedwa mu EAISTO.

Matenda anayendera khadi: nthawi n'loonadi kwa CTP

Insurance kampani ndi mgwirizano CTP amalandiranso udindo kuti mfundo linaperekedwa zoletsedwa ndi malamulo ndi kupezeka kwa zikalata zonse zofunikira.

Chiphunzitso, inshuwalansi akhoza inakhazikitsa, ngati zotuluka pa khadi umatha galimoto matenda mu tsiku lina. Ngati mwini wake ndi mtima wonse, kukakamira zotuluka pa zodzinenera, inshuwalansi Adzakakamizika kulowa pangano ndi iye. Zimenezi angayambe ngati inshuwalansi ndi mtengo ndithu mkulu, pamene dalaivala alibe ndalama zokwanira kulipira anayendera, kapena akuopa kuti achitenge icho, chifukwa simukudziwa vuto lililonse mkhalidwe wa galimoto ndi onse machitidwe ake.

Kodi zimenezo akandiyeze

Mosungira okha kupanga ndondomeko mitengo, koma mtengo loyang'anira za yemweyo kulikonse, koma mwina mu Moscow ndi dera Moscow (kumene kuli pang'ono apamwamba). N'zoona kuti antchito ali kuli ntchito pa anayendera galimoto latsopano. Magalimoto "zaka" amafunika chisamaliro chapadera. Madalaivala zifunika kuyan'ana mkhalidwe wa galimoto wanu wakale mosamala kuposa choncho watsopano. Koma pa ndalama yoyendera ngati zingaoneke zachilendo, izo si bwanji. Childs, mtengo wa ntchito zoterezi ndi mu osiyanasiyana rubles mazana asanu.

Mtengo wa ntchito pa luso anayendera bolshegruzov pamwamba (pafupifupi zikwi rubles), osati mosungira onse amachita ntchito imeneyi - pamafunika zida zina.

Kodi muyenera pochitika magalimoto anayendera zonyamula

• Ngati galimoto si koma zaka zitatu, kufikira chimaliziro cha nthawi iyi, si koyenera kuti mayesowo.
• Nthawi yoyamba muyenera kupita ku galimoto wosambitsa pamene izo zinali ndendende zaka zitatu kuchokera amasulidwe galimoto (osati kusokonezedwa ndi kugula mfundo).
• Kachiwiri, galimoto zaka zisanu.
• Kachitatu makina kwa zaka zisanu ndi ziwiri.
• Ndiyeno (kwa chaka chitatu) kupita ku malo utumiki kuyang'anira n'kofunika chaka chilichonse.

Kodi ndi tsiku lomalizira kuyendera galimoto wapadera ndi magalimoto zoyendera zonyamula

ntchito udindo kumawonjezera pamene galimoto kufufuzidwa chinkhoswe kayendedwe anthu. Madalaivala a magalimoto awa saloledwa kukwera ngati khadi matenda watha ntchito. Izi zimachitika kawiri pachaka ndi zonse mantha.

Special zoyendera galimoto mayesero ndi pafupipafupi chomwecho - kamodzi pa miyezi isanu ndi umodzi.

Kodi ndi zimene mosungira ano amakopa ziziyenda

Oddly zokwanira, osati mlingo wa utumiki, zipangizo luso, azichitira mwapatsidwa, ndi mphamvu kuti apereke khadi matenda popanda kusonyeza galimoto.

Intaneti, kulipira wamkulu kawiri kuposa mtengo zachilendo, mukhoza kupeza tchati matenda anaphedwa ndi onse malamulo, kunyumba yobereka mthenga.

Zindapusa kwa khadi overdue matenda

Panopa, dalaivala mkati galimoto safuna kunyamula DC pamaso pa akhale yekha MTPL ndondomeko. Ndi chifukwa sitili kapena mismatch wa inshuwalansi MTPL a dalaivala ndi kulipitsidwa osati chakuti khadi matenda watha ntchito kapena ayi konse.

dalaivala tiyenera kukumbukira kuti Moti anatsirizika adzachititsa sanali kupereka malipiro kwa gulu lachiwiri ngozi mwa kampani ya inshuwalansi. Ndiyeno ponena kulipira mtengo wa kukonza za m'thumba mwa bwalo, kuphatikiza adzakhala ndalama malamulo. An dalaivala osalakwa, adzakhala amaumirira izi. Ndipo ngati galimoto zodula kwambiri (phompho galimoto yodula) kuchuluka kupereka mwina kuposa zikwi mazana anai.

Woyendetsa kosavuta kutsatira zotuluka pa makadi matenda kuyendera kuposa kupeza zinthu tafotokozazi.

Nsonga pa kugulitsa magalimoto

kuyendera galimoto si womangidwa kwa mwini, komanso matenda Kupimidwa khadi. Unali woyenerera kwa CTP ya DC adzakhala zofunika kwa mwini latsopano. The eni akale pamene kugulitsa mungondipatsa khadi kwa mwini latsopano. Ndiye matenda n'loonadi nthawi kuti mokakamizidwa galimoto TPL inshuwalansi pamene boma pa magalimoto adzakhala mwalamulo mu kamangidwe ka inshuwalansi mwini latsopano.