Ukoshi motokari kadhi chirwere

Ukoshi of chirwere kadhi kunobva motokari womuenzaniso gore (musi rwokutenga, sezvo varidzi zhinji) uye kunoratidzwa muna gwaro. Zvinogona kunge gore rimwe kana maviri.

Sei Kuongorora wokutanga, uye papera MTPL urongwa?

Kuti vatyairi vazhinji August 2015 zvakanga chaizvo kufarira kuziva kuti kuita inishuwarenzi mitemo mudziyo hazvigoni kuwanwa, kana kwete muedzo. Kusvika panguva ino kwakanga Zvakasiyana - kutanga kuwana inishuwarenzi, ipapo mukana kukunda muedzo. Kuvapo chirwere kadhi (DK) mumotokari muna 2012 chaidiwa apo vachiongorora motokari mapurisa inisipekita. Naizvozvo vatyairi vane basa guru vaiva Kuedzwa kunoenderera, uye kunyanya avo vari seri vhiri anodarika makore gumi. Zvino hanya, kana kururama kwemashoko chirwere kadhi kumugumo.

Sezvo August 2015 vakatanga kushandisa zvinodiwa itsva kunyoresa MTPL itsika. Kubva nguva iyi muripo pakuparwa tsaona pamusoro "avtograzhdanki" kupfuura mhosva simbi vanofungidzirwa 400 zviuru rubles. It zvakawedzera mutengo rokubva injini TPL inishuwarenzi chibvumirano: kuenzaniswa kutanga 2015 - anenge kaviri.

Izwi iri chirwere kadhi ukoshi

CTP rokuongorora zvakakodzera kuenda basa yemapurisa pamberi kwemamiriro chibvumirano inishuwarenzi.

Izvi mutemo chisingaperi 2015, inoshanda zvakasimba. Makambani Consultants inishuwarenzi havana kodzero yokuuraya mitemo, kwete nechokwadi kuti kururama kwemashoko chirwere kadhi anogona kuzviita. DK - mumwe kubva pamazita magwaro anodiwa, iyo insurer anopa kambani yacho inishuwarenzi, pamwe vehurumende pasipoti yacho insured uye muridzi uye motokari magwaro (zita kana chitupa kunyoresa vari motokari mapurisa).

Kuti inotipa pfungwa inishuwarenzi consultant

The dzose kadhi chirwere ane anodhinda wekambani ane zita kunoratidzwa mundima kana paine nzvimbo. Ekupedzisira vanofanira kutevedza zvinodiwa kugadzirwa Russian Union of Auto Insurers pamwe yomumugwagwa mapurisa. Ukoshi of chirwere kadhi (kusvika imwe nhamba, uye gore) zvinoratidzwa, sezvo mutemo, pazuva rechipiri (kumashure) papepa DK. The Consultant kunodiwa kuti chokwadi kadhi haana apera.

Kana chimwe chinhu chirwere kadhi iri fungira mushandi ari inishuwarenzi anosungwa kubvunza foromani wako kana zvakananga paInternet kero EAISTO (yunifomu hwaro unyanzvi rokuongorora, motokari mapurisa akamisa uye aizivikanwa zviri pamutemo basa zvechitima). Kusimbiswa hurongwa hunoratidza chete kana nhamba uye kururama kwemashoko chirwere rokuongorora kadhi ndehwechokwadi.

At musiyano mugwaro zvakagadzirwa kwakaoma zvisingaiti. Kana mushandi ari inishuwarenzi kuti atore inishuwarenzi pamwe hunoshamisa chirwere mepu, ake, kutanga, chichagamuchirwa faindi (zvinopfuura muhoro) uye kakawanda vanogumurwa, uye chepiri kuti inishuwarenzi haangavi kukurira vachibhadhara pasi chibvumirano ichi, ukuwo vakaongorora motokari yavharwa mu EAISTO.

Chirwere rokuongorora kadhi: nguva ukoshi nokuda CTP

Inishuwarenzi kambani ine chibvumirano CTP anobvumawo basa kuti mutemo wakapiwa zvaidiwa nomutemo uye Kuwanikwa zvaida magwaro ose.

Nemuromo, inishuwarenzi inogona wapiwa, kana kururama kwemashoko kadhi inoguma chirwere motokari muzuva rimwe. Kana muridzi yakasimba, pakuti kururama kwemashoko kutaura, inishuwarenzi vachamanikidzwa kupinda chibvumirano naye. Izvi zvinogona kuitika kana inishuwarenzi ari mutengo zvikuru yakakwirira, asi mutyairi haana mari yakakwana kunyange kubhadhara rokuongorora, kana iye achitya kuitora, sezvo hazvina chokwadi dambudziko isina mamiriro ezvinhu motokari uye zvose dzemuviri.

Zvikuru sei anoita kunoongororwa

Mumagaraji pachavo kuumba Pricing mitemo, asi mari rokuongorora pamusoro chete kwose kwose, asi, zvichida, muMoscow uye Moscow nharaunda (apo zviri zvishoma yepamusoro). Chokwadi, kuti vashandi vari ndoda basa panguva rokuongorora imwe motokari itsva. Vehicles "vakwegura" zvinoda vainyatsotarisirwa. Vatyairi vanofanira kuongorora mamiriro ako motokari yekare kunyatsofunga kupfuura zvakaita itsva. Asi rokuongorora mari sezvo zvingaita sezvinoshamisa, haina kukanganiswa. Kazhinji, mutengo basa rakadaro iri kuwanda rubles mazana matanhatu.

The mutengo nemabasa ari michina rokuongorora bolshegruzov kumusoro (anenge chiuru rubles), uye kwete mumagaraji zvose vangaita basa rakadaro - zvinoda dzimwe michina.

Kana hwaunofanira zvakaitika rokuongorora mutakurwi motokari

• Kana motokari harisati makore matatu, kusvikira pakuguma iyi, hazvina zvakafanira kupfuura kuongorora.
• nguva yokutanga unofanira kuenda motokari geza kana zvakanga chaiyo matatu kubva pakabudiswa motokari (kwete kuti kuvhiringidzwa kuritenga pfungwa).
• Kechipiri, apo motokari shanu makore.
• The rwechitatu muchina kwemakore manomwe.
• Uye ipapo (nokuti wechisere mugore) kuenda basa muzinda rokuongorora kunokosha ose gore.

Chii wava kuti aongorore inokosha motokari uye motokari kuti mutakurwi senga

mabasa Vazozviraramira anowedzera apo achiongorora motokari paaivatambudza mutakurwi zvokufambisa. Vatyairi motokari idzi havabvumirwi kuchovha kana chirwere kadhi rapera. Izvi zvinoitika kaviri pagore pamwe zvinotyisa kakawanda.

Special gwenya senga iri kuedzwa pamwe chete kakawanda - kamwe mwedzi mitanhatu ose.

mumagaraji ano kunyengedza sei uye chii vatyairi

Oddly zvakakwana, kwete padanho basa, hapana zvekushandisa midziyo, hapana rezinesi makapiwa, uye anokwanisa ape kadhi chirwere pasina kuratidza motokari.

Kuburikidza Internet, kubhadhara mukuru kaviri kupfuura dzose mutengo, unogona kuwana yokuongororwa chati, vakaurayiwa zvose mitemo, musha Delivery rekutakura.

Fines nokuti nonoka chirwere kadhi

Pari mutyairi mukati motokari hazvidi kutakura DC pamberi kunofanira chete MTPL itsika. Ndechokuti asipo kana mismatch kuti MTPL inishuwarenzi kuti mutyairi wacho faindi, uye kwete nokuti chokwadi chokuti chirwere kadhi rapera kana kwete zvachose.

Mutyairi zvinofanira kurangarirwa kuti afa một achaita asiri kubhadhara muripo kune wechipiri bato kuti tsaona kubudikidza kambani inishuwarenzi. Zvino chaikonzera kuzvitenga mari navatengesi muhomwe nedare, pamwe achava kunyange pamutemo mari. An mutyairi mhosva kuti kuomerera ichi. Uye kana motokari inodhura chaizvo (pamawere vatorwa motokari) mari paakavapa zvingava kupfuura namazana mana.

Mutyairi nyore zvinoenderana kururama kwemashoko chirwere rokuongorora makadhi pane kuwana mumamiriro ezvinhu ataurwa pamusoro apa.

Mazano kutengesa motokari

Motokari rokuongorora haina rakasungirirwa muridzi, uyewo chirwere chekiapu kadhi. Ukoshi nokuti CTP of DC achava inokosha muridzi itsva. The Old Varidzi kana kutengesa chete kupa kadhi kuti muridzi itsva. Ipapo chirwere ukoshi nguva kuti rokumanikidzirwa gwenya TPL inishuwarenzi kana kunyoresa panguva motokari haangazorori chipingamupinyi pamasikiro inishuwarenzi itsva muridzi.