CTP: nyepera negwaro. How kusiyanisa kubva yepakutanga?

Nokuda kuti mitengo akasimuka pedyo CTP, yakabva yanyatsobatana nevakawanda mitemo nhasi zvikuru kupfuura zvayaive kare. Vatyairi vachiziva kutora ngozi kuti chiitiko petsaona zvavachapiwa kubva muhomwe yake varipe. Asi, chokwadi, vanotarisira kuti izvi hazviitiki.

Zvangoitikawo apo yairayira gwaro uye gare gare kuwana kuti MTPL mutemo zvakazoonekwa kuti Bogus. Today Nyaya rakazvipira dambudziko iri, pakafunuka icho kure chakawedzera.

Sei kuchera nyepera CTP?

Zvinozivikanwa kuti kare gore chete hwakanyorwa rokutengesa mitemo nyepera inishuwarenzi ne 10% kupfuura muna 2014. Sezvo pane chaizvoizvo zvisingazivikanwi. Kutsauka chokwadi waakazvitengesa, aivapo akawanda kacho umo inishuwarenzi makambani nemagwaro venhema kunge akakumbira kuti kugadzirisa ukama pashure netsaona. Zvakaratidza kuti kune vakawanda vari apo motokari Varidzi havana kunyange kuti watengwa nyepera MTPL itsika.

Maererano nenyanzvi dzakawanda MTPL policies chimurenga anova kwakazara nokuda kwezvikonzero zvinoverengeka.

Chekutanga, pane fraudsters vanoparadzira nhema siyana, kuwana pamusoro payo.

Chechipiri, zvirongwa angangova kuba.

Chechitatu, pane blanks, SK vakarasika uye vawira mumaoko nevaya vanofungidzira.

Chechina, vamwe insurers kurasikirwa kana kurasikirwa kuti rezinesi, ivo rwoga mabasa avo, obanktrotilis.

The Chinyorwa RSA anotenda kuti vatyairi kana prioretayut kumboda kuziva kuti CTP - yokunyepedzera negwaro. Avanotarisira kubhadhara zvishoma uye panguva imwecheteyo havafungi kuti kuwana kwavo kubatanidzwa mutsaona, havazowani kana kubhadharwa.

Kuwedzera chisingakoshi, kuti chakadaro chezvawanyora nyore. Kureva kuti haafaniri kupfuudza zvake unoongororwa nzira, vanogamuchira chirwere kadhi uye zvichingodaro. Zvose zviri nyore zvikuru: chibvumirano, akabhadhara mari, akawana mutemo.

Dzimwe nguva, kuti akwezve vazhinji fraudsters vatengi vanoshandisa yakafara mbirikira. Uye kana munhu akabatikana chaizvo, havangagoni kuteerera pfungwa vanofanira kuzviita. Saka, chikamu mutemo iri yakatengwa nyore nokuda hanya uye kusaziva. Naizvozvo, vagari mutemo vanganyengedzwa.

Dzimwe nguva zvinoitika kuti gwaro wenhema akanga waakatenga kambani haana kunyange ndorwevaya muchikwata Insurance.

"Zvinenge munhu pamutemo"

Insurers kutarisa mitemo yacho Database. Uye kana nzvimbo yako asipo kana iro muripo hazvigoni kunzi. Saka, asati vanotenga CTP nani wemari pamwe mashoko yakakwana kuti varege kuwira pamusoro hwemusi scams kana kwete kusarudza pamusoro zvisiri pamutemo kuita kutenga Kunyepa maererano nezvaanoda. Scammers vangati chezvawanyora "anenge pamutemo" kana "anenge pamutemo", kureva kuti unogona kuita kana uchida ayo nderechokwadi.

Unofanira kuzvinyengera. Pfungwa yokuti 'anenge pamutemo "haako. Policy kana ari pamutemo, kana iri kwete. Naizvozvo, kana imi vakapa zvakawanda isingadhuri "anenge pamutemo" CTP Gwaro, funga pamusoro pazvo.

Kunyange kana yepakutanga siyana, dzinonetsa nzira, sei vakauya pamwe chete. Kutaura zvazviri, kana somuenzaniso, vave vakarasika ne kambani yacho inishuwarenzi, mumwe priori asisiri pamutemo.

Ndezvipi policies venhema CTP?

Fakes ndivo grossest mhando, apo kbps zviri pachena. Zvisinei, iye zvino tava kudzidza kutaipa uye yakakwirira yepamusoro fakes. Kwakadaro nyore "verenga" zvose nemaziso uye kuburikidza PCA Website kana insurers, nokudzinga CTP nhamba.

Nyepera mutemo inogona kuva chiratidzo chaicho wenyika, uyewo zvimwe zviratidzo zvechokwadi. Just kambani, nokuti chero zvikonzero, havachaoni mashandiro, uye mhando kwemhosva vanowira mumaoko fraudsters. The kusiri pamutemo riri yakaiswa saizvozvo sezvinoitwa yapfuura nyaya.

How kusiyanisa Kunyepa MTPL mitemo?

Saka tarisa nderechokwadi mhando imwe chete anogona kuva sezvinotevera.

1. Gwaro iri kupfuura A4 jira pamusoro sendimita.

2. Nechemberi kurutivi pane mutete rinokwanisa kucheneruka-greenish nemaziso afoot. It anozadza nzvimbo yose pamberi divi uye ndizvo zvakaita kungodzungaira denderedzwa mikrosektsy.

3. Vanomutswa fomu kuti chiedza, unogona kuona watermarks uye Logo PCA.

4. Chinhu chokutanga uchaona pamusoro neizvi divi - maviri millimeter simbi zviuno, riri kurudyi.

5. Uyewo mupepa pacharwo dzvuku villi. Kana zvakanaka kunyatsotarisa, unogona kuona navo hazvo.

6. Touch nhamba Gwaro ane convex marongerwo. Inoitwa digits gumi.

7. Kubvira pakupera 2014 pamusoro siyana nezviratidzo tsamba vakachinja kuti "EEE". Kusvikira panguva iyoyo, muna mutemo rokuti waiva "CCC". Asi yekare siyana havachasungirwi asunungurwa kubva pakutanga April 2015. Naizvozvo, kana imi kutenga mutemo kuti zviratidzo zvose zvinoonekwa sezvinoita chipo, asi ane dzinotevedzana tsamba "CCC" nokuzadza nazvo gore ano, zviri pachena kuti gwaro haichashandi haagoni kuva.

8. Pahwaro X-ray, unogona kutarisa kwose CTP. Nyepera negwaro agopa series, nhamba, musi nyaya. Kuwedzera kune pamutemo Website of PCA, pane dzimwe insurers nzvimbo kureva iro zvikuru dzinoongororwa uye kuti Russian Union of Insurers kuvimbana. Ikoko, mashoko uye rukasimbiswa.

Zvokuita kana mutemo CTP muparanzvongo nyepera?

Vanhu vazhinji havazivi kuti vazvibate dai tsaona, vyyasnyut kuti akakuvadza yake gwaro kwenhema. Pakadaro, unogona kureva zvinotevera.

Nechokwadi ose pamusoro unhu, kuti zvinyorwa zviri ndokugadzira.

Kana zvose zviri muhurongwa, anowedzera varumbidzwa kuongorora mukamuri yake pamusoro PCA websites kana pane Indaneti. Asi iwe unogona kudanawo kambani inishuwarenzi uye tsvaka mashoko ikoko.

Zvechokwadi, zvakanaka kuti achiri kukonzera motokari mupurisa. Asi nemurairo akuvara bato chero nyaya kodzero muripo. Naizvozvo, tinogona kuramba kuuraya magwaro, kunyange kana mutemo hakusi mhosva akanyorwa zita rake. Ziva kana insurer kuramba kubhadhara, unekodzero kunokumbira uye kuripwa.

Ndingawane kuripa?

Kana chaikonzera tsaona kuita inishuwarenzi mitemo mudziyo akava nyepera, dare inoda uchapupu. Kuti aite izvi, unogona kukumbira mashoko ari X-ray diffraction, chichiratidza chokwadi pamusoro tsaona. Kana zvose zvinyorwa paruvazhe iwe batanidza uye vakawana kubva X-ray diffraction, nyaya achapiwa kupatsanurwa nokukurumidza.

Sue ndiye pachezvayo kambani inishuwarenzi kugadzirisa mubvunzo uyo kubhadhara muripo kubudikidza CTP. Muripo zvinogona kuripirwa:

• SC;

• inishuwarenzi bhuroka;

• PCA;

• anokonzera tsaona.

Dare achaita chisarudzo inobva ezvinhu yacho.

Mutoro nokushandiswa nyepera negwaro

Kuita inomuka kwete chete kana chaikonzera nyepera MTPL itsika. Mutemo anotyora mumwe anongoti anoshandisa. Yakadaro mhosva anokodzera sezvo kubiridzirwa uye anowira pasi Article 159 yemutemo weCriminal Code. kwake kurangwa anogona kuva mune fines anosvika 120,000 rubles kana mirayiridzo vakatongerwa correctional basa kusvika 2 years.

Criminal kuita Zvisinei, rinowanikwa chete nekuda iwayo vanhu, nyepera inishuwarenzi policies CTP zviri zvachose nyepera. Ndiko, kana vari akatengwa kubva makambani kuti vakaenda kusauka, ipapo kufadza pane yokuzogumbura muridzi motokari, ndicho kurambirwa yokubhadhara UK. Zvisinei, kune mhosva kuita kwakaitika, chero zvazvingava, Vezvemitemo kuva nani yakaoma nzira yokuunza kwaari. Pashure pezvose, kana zvakakodzera kuratidza kushandisa nemaune chitsotsi. A basa of mutengi haisi chikamu gwaro authentication. Anogona kutenda mutengesi, kana iye anoti gwaro iri zvechokwadi. Kushanda Russia iri fungidziro mhosva kunoreva kuti munhu anonzi mhosva kusvikira nekusimba zvimwe.

Criminal kuita kunogona kuitika mumwe nyaya, kureva 327 yemutemo weCriminal Code. Inopa kuti kuranga chitsotsi, kushandiswa uye kufambiswa magwaro aya. Mutadzi anogona kutarisira wakaisvonaka anosvika 80,000 rubles, kana correctional basa. Asi zviitiko kazhinji kwakadaro wakwanisa Administrative Code, ndiko, somunhu administrative mhosva pane mhosva, uye chirango pamusoro Administrative Code achava yakaderera zvikuru. Izvi hazvisi nokuda zvokuyamura zvikonzero, asi nokungoti muitiro kuratidza Mazvokuda mabasa kunzwisisa chaizvo.

Basa haasi ...

Pane zviitiko apo, pasinei imwe inishuwarenzi nyepera chakatengwa kana achiziva kana asingazivi, mutoro hakuuyi. Zvakadini kana MTPL mitemo nyepera? Just kuenda kumapurisa uye womuratidza chokwadi ichi. Panyaya iyi, basa hauna inopiwa. Ichokwadi, muchazarurirwa. Asi muridzi motokari, uyo akatengwa filshivy Gwaro ndicharizivisa sechapupu, kwete mukwirirwi. Ipapo ichaona uye kuunza kururamisira vaya mubasa kugadzirwa nokuparadzirwa zvigadzirwa pamutemo.

Anodhura, asi zviri nani

Kuti tive nechokwadi chokuti mutemo yamakatenga iri zvechokwadi zvokuti vanoomerera zvimwe mitemo nyore.

1. Mutemo zvinofanira kutengwa chete guru IC.

2. Asati vanotenga dziongorore nekambani rezinesi chinoshanda (ari nzvimbo Reserve Bank of Russia).

3. CTP tarisa nhamba iri Website RSA kana UK.

4. Pashure kutenga kuita chinooneka cheki yacho gwaro pamusoro apa chikonzero.

5. Kana kuona chiratidzo runenge mumwe kusiri pamutemo, vanofanira kutaura mapurisa aya. Kana ichi haina kuitwa, pangava ezvinhu zvaizokonzera dzakakomba migumisiro yakaipa.

mhedziso

Chokwadi, zviri pamutemo mutemo inishuwarenzi rokumanikidzirwa zvakawanda zvinodhura. Mukati mezvizvi chikuru chikonzero ndiyo motokari varidzi vanowanzotevedzera kuponesa. Asi zviripo kuzviita nemaune nokutyora mutemo uye yokuzogumbura kuripira pakuparwa tsaona iri zvikuru? Vanhu vanoti: "miser inobhadhara kaviri." Funga nezvazvo, kwete kuti zviri nyaya yako?