Chii CTP?

Kuongorora mubvunzo zvakataurwa CTP, unofanira kuteerera mutemo. Mutemo wehurumende kuita ikarapwa somunhu mari yacho chamakarairwa kwakakanganisa kuzivikanwa chepaseka. Zvakaratidza kuti musimboti injini rechitatu webato kuita ndechokuti uve mutyairi ita kudzikamisa chero kukuvara kuti anogona kukonzerwa kwamuri mumugwagwa. Somuenzaniso, unofanira kubhadhara kugadzira motokari, iyo yakarova mukati, uye zvakare kubhadhara imwe chime, imi akabata, kurapwa.

Pakuvamba, pashure chero tsaona atadzirwa uye mutadzi anofanira pachavo kunzwisisa nyaya muripo kuti kukuvara kuti utano hwevanhu uye motokari. Chakapararira ichi vaiva kugara kusawirirana sezvo mumwe nomumwe aifanira kuzviitira njere inogutsa yakawanda muripo wayo. Uye kwete nguva dzose akakuvadza aiva mukana kubhadhara inodiwa mari kuti akuvara. Nemhaka iyi yakawedzerwa kuomesa akazviratidza kugarwa yacho nyaya. Chisarudzo yokurwisana yakadaro Russia dzapfuura munyika yakabudirira mufashoni muna 2003, apo vatyairi zvose vanosungirwa kuti inishuwarenzi MTPL motokari. Izvi akabvumira vatyairi kuti musafunganya pamusoro zvaparadzwa vanovakonzera, sezvo akatora mutoro kambani inishuwarenzi. Kukuvadza zvinofungidzirwa akazvimirira nyanzvi. Chokwadi, izvi hazvideredzi nhamba mibvunzo uye zvichemo, asi zvinoita kuti kuvimba zvinhu sezvazviri.

Saka, chii chiri CTP uye sei mabasa ose? mitemo Russian kunoda ose muridzi motokari kuti inishuwarenzi kunonyanyisa yayo mushure memazuva mashanu motokari kunyoresa zviri pfuma. Motokari kuti haana kuita inishuwarenzi gwara mudziyo, haringapiwi vakanyorwa yomumugwagwa mapurisa, uye basa hazvibvumidzwe pasina mutemo.

Kana mubvunzo kuti chii CTP, sokupisa, zvinofanira kutaurwa kuti avo anobatanidzwa inishuwarenzi injini. Izvi mhando inishuwarenzi kare zvaisaitwa munyika dzakasiyana, saka ndiyo nzira iri nyore kuti zviripe kukuvadza kwakakonzerwa nemotokari tsaona. In Russia chete nhengo Union of Auto Insurers anogona kushandisa inishuwarenzi motokari kuita inishuwarenzi ane yakakodzera rezinesi nekanzuru Federal Service nokuda Insurance Rinotungamirira. Sangano Iri runovimbisa yepa inishuwarenzi, pasinei nokuti chii chaitika. pamwe boka rako. Kunyange yaidiwa kubhadhara vachaitwa kwayo kusauka nemakasitoma nokuti kuti pane chinokosha X-ray Fund.

Chii CTP uye sei kuti izvozvo, Chokwadi, asi imi ikozvino ungatsauka mubvunzo chii anopa kwakadai inishuwarenzi. mutemo uyu zvinoita kuti kana uri muvambi yomumugwagwa tsaona, kambani yacho inishuwarenzi ichapindura muripo. Kambani The akuvara inishuwarenzi bato akaita Masvomhu yakavakirwa paavhareji mutengo richikunda munzvimbo apo tsaona yacho. Kana tiri kutaura pamusoro motokari iyo wakaremara, ipapo yose mari iri deducted kusakara nhengo. Kana pakuverenga uwandu kuti muripo zvakaipa kuti utano inocherechedzwa nhoroondo mari ichipa rubatsiro utano mudunhu, kufudza vawirwa, uwandu vakarasika zvakaoma. Uye pamusoro panowanikwa mutsaona - muripo nokuda mhuri kuti kurasikirwa pakuriritira mhuri, uye mariro ake mari.

Very unotambudza chinhu - kuwana MTPL muripo. Inishuwarenzi - kazhinji zvakaoma chaizvo. Chekutanga zvose zvakakosha kuita pamusoro panowanikwa chiitiko insured pacharo. Unofanira mudane paitikira tsaona yomumugwagwa mapurisa, asi kutevera zvakarurama zvinodiwa zvitupa uye protocols. Sezvo vatyairi kunzwisisa sei izvi zvose zvinogona kutora nguva, kashoma vanotsvaka inishuwarenzi kubhadhara panguva shoma anokwenya pamusoro bhamba, akavhuna Magirazi kana negirazi.