Extended MTPL inishuwarenzi - nayo DSAGO (inishuwarenzi yokuzvidira): mamiriro ezvinhu, zvakanakira nekuipira

A seanoshanda wehurumende kuita chinhu precondition kuti kushandisa motokari. Domestic vatyairi nechivimbo musiyano mutemo rokubva MTPL inishuwarenzi, iyo inosimbisa kudzivirirwa vanhu sei, uye mutemo Hull, izvo compensates nokuti zvaparadzwa zvisinei akanga chaikonzera yacho tsaona. Pari zviri kuwedzera rechitatu pfungwa yechitatu bato kuita inishuwarenzi - nevazukuru inishuwarenzi CTP. It Anonziwo chokuzvidira avtograzhdanki - DSAGO. Ngationei kuti zviri pasuru iyi chii ayo zvakanakira.

muganhu CTP

Standard avtograzhdanki Gwaro rine parinogumira rokufukidza varasikirwa. MTPL Verengai inosimbiswa pehurumende uye haagoni ngazviwedzerwe pasina zvimwe mabasa. Saka, muna Muzviitiko zvakaipisisa, kana chikuru kukuvara kwakaratidzei ruvanze, chaikonzera aifanira kubhadhara kuti waitirwa yake muhomwe. Mutemo iwoyo akarara pasi ari Civil Code Art. 1072 maererano pazviri basa tsaona anotakura basa zvizere nokuda zvibviswe zvaparadzwa. Muchiitiko chino, chaiyo shanduro CTP rubatsiro. DSAGO unokubvumira zvakazara kubhadhara wacho nokuda zvibereko zveminda insured muganhu. Pane kufanana inishuwarenzi anodhura, asi ine zvakawanda nhau. Huwandu kubhadhara CTP akawedzera kuti rubles mamiriyoni 15. Naizvozvo, kana imi muri hariguti mureza pasuru kubva motokari kuita, uye muchida zvakawanda, unogona kuronga pakavha inishuwarenzi zvivharwe. CTP ichokwadi kunyanya beginners, achangobva akagara pasi kuti vhiri.

Makambani akawanda kupa kwenguva Mabhokisi, izvo zvinosanganisirwa Extras. Advanced CTP kuba achagamuchira muripo kuna car kuba. vatyairi ruzivo, dambudziko isina ruzivo kuti runopfuura makore matatu, ngaparege dambudziko kuti ape MTPL pasina mamwe mabasa - kufambisa ruzivo ndiyo vimbiso yakavimbika kuti kunyange kana tsaona kukuvara ichava shoma.

Features DSAGO

Rakatanga inishuwarenzi CTP kunoratidzwa sezvinotevera:

• DSAGO chinhu chinokosha pamusoro MTPL itsika. Pasina fanira avtograzhdanki zvisingaiti kuti chokuzvidira pasuru kubva inishuwarenzi kuita;
• zvachose mutengo, dzinokosha zvinodiwa uye uwandu fanira kubhadhara anosimbisa mumiririri insurer;
• apo MTPL inishuwarenzi akawedzera kubatsira kunoitika chete mushure muganhu nokuti rokumanikidzirwa gwenya inishuwarenzi rechitatu bato Aneta.

Ndezvipi zvakanakira DSAGO?

inishuwarenzi rokuzvipira ane nhamba zvakanakira pamusoro mureza "avtograzhdanki":

• inishuwarenzi nyaya iri gwenya inishuwarenzi yokuzvidira ndiye akafanana kuti CTP;
• kubudikidza DSAGO kubhadhara kutanga chete kana fanira avtograzhdanki haagoni kufukidza uwandu kukuvadzwa;
• risingaperi uwandu zvichibvira makomborero, mutengo ane chete finite panogumira indemnity.

Hull uye MTPL

Vatyairi vanofanira kuyeuka kuti Hull uye DSAGO - siyana mitemo inishuwarenzi. Chii kunovabatanidza ndechokuti iye nevamwe gwaro iri mhando yokuzvidira rweinishuwarenzi. Musiyano uri zvikuru. DSAGO ari kupfuura dzimwe shanduro vomureza yemotokari kuita inishuwarenzi - kubhadhara iri mhando inishuwarenzi vakatakudzwa kubva kubatsira vaya vakawirwa nenjodzi nezviito muridzi itsika wacho. Chikomo inishuwarenzi Gwaro inodzivirira muridzi motokari, pasinei payakarovera.

Where rakapa DSAGO

Extended MTPL inishuwarenzi inogona wakabudiswa kambani inishuwarenzi chipi, uye vazhinji vavo kupa kuti ape nokuzvidira avtograzhdanki pamwe inishuwarenzi pasuru hako. Izvi zvinobatsira kuti inishuwarenzi, uye nokuda nemhosva. The insurer anogamuchira yakawanda pasi mubhadharo uye mutengi, kana petsaona, havafaniri kumhanya kumativi kumakambani inishuwarenzi zvakasiyana uye unganidza mamwe magwaro - mubhadharo pamusoro inokosha uye yemhando mutemo kuchaita kutakurwa mumwe chete sangano. kana inishuwarenzi kuita kwave rakapa nomukombiyuta "mumiririri chete" akawedzera CTP inogona kutengwa inishuwarenzi muvaravara chero pedyo.

Chii Zvinyorwa zvinodiwa kuti vaverengwe DSAGO

Nokuti kunyoresa CTP kunowedzera inishuwarenzi pasuru vanofanira kugadzirira magwaro anotevera:

• mutemo kuitwa inishuwarenzi motokari kuita, sezvo rikasaita kuti nyaya pasina mamwe CTP;
• kunyora achisimbisa vanyorwa motokari;
• chitupa chokutyaira omuridzi car kana simba gweta kudzora motokari;
• muridzi motokari pasipoti.

Chii chinoratidza kukura vachibhadhara

About sei tinorasikirwa CTP kuwedzerwa wokupedzisira shanduro, unogona kuona mumiririri kambani yacho inishuwarenzi. Mhando wokupedzisira mari kune akuvara Pati novimba nhoroondo kana nebasa motokari kusakara. Muchiitiko chino, kana pane chibvumirano kuti chikamu depreciation inocherechedzwa nhoroondo dzemaitirwe vachibhadhara, wokupedzisira muripo achava yekudyidzana zvishoma. More zvisingabatsiri kuti mumwe mhando rechipiri inishuwarenzi umo yabvaruka haangavi kunzi.

How kuverenga DSAGO

Ngaaverenge CTP iri yose shanduro yavo hazvishandi. The kunonyanyisa chitsama kutengeserana achavaponesa dzinoverengeka zvimwe zvinodiwa, pane ndandanda iyo insurer pazvinhu. Pakati inokosha zvinodiwa:

• TC unhu;
• upenyu inishuwarenzi;
• kushomeka uwandu inishuwarenzi nhau;
• ukuru uye makore mutyairi;
• mazita mamwe mabasa.

Zvichienderana noruzivo yakaunganidzwa, kuti insurer anoisa pachavo tariffs, ayo nokuda inishuwarenzi pasuru. Somuenzaniso, shoma payout iri 300 zviuru. Rubles anoita muchairi mitemo DSAGO kugumisa vane nomupiro kutanga muna 1200-1800 rubles. Paavhareji mutyairi, kuedza kuverenga CTP iri yose shanduro, anoteya payout kweinenge rimwe nehafu mamiriyoni, iyo anoita kuti kubhadhara "dobrovolku" pamwero anosvika zviuru 6. Rubles pagore. Panyaya iyi, kuti bhonasi mamiriro musi DSAGO haushandi! Kubatsira vatyairi pamusoro Websites zhinji makambani inishuwarenzi takaisa macalculator paIndaneti musi DSAGO, kuburikidza paunogona kudzidza anofungidzirwa mutengo ane vakachengeteka pasuru.

Kugadzira DSAGO nokuti beginners

Vatyairi, kekutanga vakagara pasi seri vhiri renyu motokari, zvichiita zvinhu mumugwagwa kunogona kukonzera akanaka hanya. Vatyairi Most vanotya kupinda tsaona, uye nokuda kwaizvozvi hapana angati. Asi maitiro ake mushure tsaona, iri Cubs kashoma kufunga. Zvichakadai, ndicho kutanga danho mutyairi achasarudza kana zvichava varipe uye kana ndichakudzosera motokari. Ndokusaka vatyairi havangagoni kugamuchira muripo - nokuda kushaya kuteerera mamiriro ezvinhu inishuwarenzi, kunyange, pfungwa, akuvara ose ane kodzero inishuwarenzi muripo.

Nokuda chii vatyairi havachisiri vaikwanisa inishuwarenzi? Funga inonyanya mutsva zvikanganiso.

• Nhengo tsaona pachako anosiya tsaona nzvimbo kuti maminitsi.
• muridzi Car akanyengetedza wacho kugadzirisa nyaya pasina nyaya dzemapepa.
• The mutyairi anodzoreredza muchina panguva yayo mari, uye chete obvunza kuti muripo.

Zviito zvose izvi kuti zvisingaiti kunorapwa nokuda inishuwarenzi muripo.

ndiko kuti kuripwa mari

Kana mutyairi zvakakodzera yakagadzirwa tsaona uye boka racho inishuwarenzi vakabvumirana muripo, kwokupedzisira mubhadharo wacho kwemazuva mashanu. Mugore kure kumatunhu Russia, iyi iri chokuwedzera nemashanu kushanda mazuva. Nokuti inishuwarenzi yacho insurer anofanira kupa yakananga mazita magwaro. Nokuti chaikonzera yacho mazita kuchengetedzeka riri sezvinotevera:

• chikumbiro;
• mufananidzo kana yepakutanga MTPL maitiro;
• kopi chitupa chokutyaira uye simba gweta (kana mutyairi akanga kutyaira vatorwa motokari);
• chitupa kubva dzemo bazi motokari mapurisa nzvimbo uye nguva tsaona akanyorwa, achiratidza zvaizoita kukuvara.

Atadzirwa riri vanosungirwa kupa kuti kambani yacho inishuwarenzi ane fanira pasi magwaro, uye maererano nawo chisarudzo uchatorwa pamusoro tinyatsonzwisisa muripo. Ivo:

• Chikumbiro nokuti inishuwarenzi muripo (mharidzo anogona kutorwa pamusoro insurer wacho Website);
• kopi pasipoti;
• gwaro chinosimbisa Kupinda mutsaona yomumugwagwa;
• zvinyorwa kuti motokari;
• chimiro-nehanya tsaona;
• makopi maminitsi (kana rakanyorwa mutsaona).

Documents nyaya panguva pedyo kuhofisi kambani inishuwarenzi yako.

Natural nekuripira CTP

Pari vazhinji varidzi njodzi motokari regai kuwana mari iri ruoko, uye anongoti chidzosai motokari yako tichiregeredza inishuwarenzi. On-mhando kubhadhara akatamisa rakapotsa vatyairi zvose private venyika yedu. Maererano utsanzi, atadzirwa havazowani mari nokuda kugadzirisa ake - pachinzvimbo, muridzi motokari achapiwa kukumbirwa kuti vagadzire motokari iri pedyo basa motokari centre. With chii zvinoreva iwe achapora motokari - muridzi hakufaniri kufarira. Basa rose rakanaka motokari pakugadzira iri kambani inishuwarenzi. Zvakanga iye uyo anosarudza basa, chinoguma chibvumirano nacho uye Transfers mari kugadziriswa. Kwakaitwa muridzi motokari anogona chete kusarudza zvakakodzera zvikuru chingaitwa chinhambo kusvika motokari basa uye kugadzirisa nguva. Kana kure kusvika pedyo basa yemapurisa iri guru chaizvo, kana munzvimbo hazvibviri kuti vagadzire ichi motokari womuenzaniso, kambani yeinishuwarenzi Uchasarudza muripo wemari kuti CTP. Muridzi motokari vachagamuchira mari panyaya kuparadzwa zvachose pakati muchina.

Sezvinogona kuoneka, akawedzera inishuwarenzi MTPL anogadziriswa matambudziko akawanda uye zvachose anobvisa mhosva bato zvakafanira indemnify pasi mugwagwa tsaona. Zvichinyanya kushanda DSAGO nokuda ruzivo vatyairi, izvo kupa kuti ape inishuwarenzi MTPL zvimwe nhau pakarepo pashure kutenga motokari.