Inishuwarenzi nyaya CTP. MTPL kubhadhara. Procedure pakuparwa tsaona

Muupenyu ose mutyairi kamwe yakadururwa kunouya kana ane kufunga pamusoro inishuwarenzi motokari. Zvadaro mumwe ainakidzwa kufanoona yavo, nepo vamwe vanotsutsumwa pamusoro zvikanganiso nekuti kuripa zvose mari pachavo. Ino kuda akadzama haazvibatanidzi kuti anomirira chiitiko inishuwarenzi rokubva gwenya TPL inishuwarenzi, tichakurukura zvose waro mavambo, kubudiswa uye kugamuchira muripo.

tsananguro

Insured chiitiko - chiitiko chakaita kuti kuvadza chinhu chesungano. MTPL insured upenyu, utano, pfuma yavose rechitatu, kureva, kukuvadza munhu mutyairi. Hull compensates kukuvadzwa vakagamuchira motokari (TC) policyholder.

Insured chiitiko - mukana kuonana kambani kuti muripo. Asi vanhu vasati kuti vanobhadharwa, pane kudzidza chokwadi nemamiriro tsaona hwakadzama. Kubvisa nyaya dzokudarika, chiito nemaune kana vavariro, kambani tichaongorora zvose zvinyorwa zvakadzama.

algorithm

Zvose nemitemo inishuwarenzi, uyewo nzira nokuda waitirwa nezviito nezvaro kondirakiti. Muchidimbu, algorithm riri sezvinotevera:

• gadza yambiro Triangle;
• kumapurisa;
• regai kufamba motokari kubva panzvimbo;
• kana akabvuma kusaina gwaro mugwagwa tsaona ;
• kudana kweva rori;
• SC chiziviso munyika shoma timeframe.

Dana kambani pakarepo mushure metsaona hakusi zvakakodzera. Chekutanga, tsvimbo asiri pave yakarurama nezvaaiita uye vose nuances ose nyaya dzemapepa. Chechipiri, vanomubvunza pamusoro Kuwanikwa zvitupa achisimbisa panowanikwa insured chiitiko. Naizvozvo zvakafanira kare tinyatsoziva chibvumirano uye kuongorora kutevedzana yezviito.

tanga

Kana iwe urimowo mutsaona, unofanira kuisa aramu zviratidzo panzvimbo. Kana waida, rubatsiro kune vakatambudzwa. Ipapo mudane yomumugwagwa mapurisa kubudikidza kuridza runhare 002, 112, 911.

Yokumirira haumanikidzwi kukurukura chero nuances pamwe parutivi tsaona wechipiri. Mashoko iwayo anogona kushandiswa pamusoro penyu. Zvinokosha kupedza nguva iri kugadzira yokunyoresa nhamba motokari, vachikumbira zita ravamwe vechikamu pamusoro tsaona, nhamba dzavo dzorunhare, zviri chinodiwa kuwana mashoko zvapupu, kana paine dziripo. Munguva iyi Asiwo, tinofanira kuitawo mashoko. The insured chiitiko chinofanira kurondedzerwa maererano zvinodiwa raanotaura kondirakiti.

Munhu wacho inokurudzirwa kuziva kuonana mashoko muparanzvongo tsaona, zita kambani yacho inishuwarenzi, nhamba yake inishuwarenzi itsika. Kana Vatori vechikamu kuti tsaona zvizhinji (michina anopfuura maviri), uye zvakajeka kutsanangura ndiani anokonzera zvakaitika, zvakaoma, zvakakodzera kubvunzurudza zvose mapato uye pamwe kuita chiziviso chokuti insured chiitiko chakaitika musi CTP. It wanamatira mutemo.

Kana mumwe mutyairi haribvumirani nepfungwa Zvinhu kana kungoti havadi asaine gwaro kuti haafaniri kunetseka. SC haana kodzero yokuramba mubhadharo chete nokuda kwokushayiwa chikumbiro.

pfungwa dzinokosha

Kusvikira asvika motokari nemapurisa pachiitiko anezvakawanda achinje. Naizvozvo, kana paine kamera kana vhidhiyo kamera, zvakakodzera pakarepo kupfura zvaiitika (mativi mana) uye vakatambudzwa, kana ani. Zvakanakisisa kutora mapikicha shoma akasiyana pamakona uye madaro.

At nzvimbo tsaona goni chinhu. Asi kana munhu kuwandisa kwemotokari, uye vakaurayiwa vanomanikidzwa kusunungura panzira mapurisa asati asvika, kare zvakakodzera kuti tsaona zano, pamberi pezvapupu kugadzirisa nzvimbo motokari uye kugadzirira mutsara. Insured chiitiko anofanira kuurayiwa maererano nemirau raanotaura kondirakiti. Kana pane zvinhu kuti inoshandawo paitikira (somuenzaniso, akaputsika girazi), zvinokosha kutora matanho ose nokuda kuchengetedza kwavo uye kushomeka dhituwa.

Kana mitemo inishuwarenzi mashoko pamusoro panowanikwa petsaona wekambani kubudikidza runhare, haana kuzeza kutsvaka zita mushandi uyo akatora runhare. Kana mune remangwana mashoko ake ugumbuke kunokanganisa sezvakarayirwa vanyorwa magwaro, zvichaita kuti mumwe kureva. Varidzi Chikomo policies vanosungirwa kuzivisa muUK oga.

Kuita kudaro rokumanikidzirwa motokari TPL inishuwarenzi

Traffic mapurisa inisipekita pamusoro Patakasvika vanosungirwa kutora zvose vechikamu yacho chitupa motokari kunyoresa, chitupa chokutyaira uye inishuwarenzi mitemo. Pahwaro mashoko rakanyorwa pamusoro zvose kumativi tsaona zano, izvo vaiudzwa pendi zvose ezvinhu tsaona. The rugwaro zvinokosha kupinda pachavo mashoko zvapupu, kana ani, uye vanhu varimo. Kana mashoko ari kukurukurwa ichokwadi, zvinokwanisika kuti vasaine pepa. Kana munhu anofunga kuti zvinyorwa pamusoro inishuwarenzi nyaya CTP akaanyora nemazvo, zvakakodzerawo kugadzirisa zviri chiziviso. Muchiitiko chino, unofanira kutaridzwa "angapikisana" uye wemasaini nayo.

Akuvara inisipekita anosungirwa kuti ape kopi dzakati yacho mhosva, kubvunza, tsaona vanoronga (urongwa nzvimbo uye nzvimbo mumotokari, kumhanya, braking marefu, rondedzero panzvimbo kudhumhana), mashoko ari motokari rokuongorora uye kujekeswa vechikamu zvose uye zvapupu. mapepa aya anofanira pachena yakanatsa zita uye zita inisipekita. Kana magwaro hazvigoni rakapa pakarepo, zvakakodzera kutaridzwa nguva chaiyo nyaya uye kuuya chaiyo nzvimbo yakati nguva.

Kana tsaona kwakaita zvikuru kukuvara utano rechipfuwo, magwaro zvakafanira kuti chiito imwe ongororo yezvokurapa. The nzira rinoitwa panguva tsaona nzvimbo kana ari muchipatara, pamberi pezvapupu zviviri. Heano mazano kunyanya Kana CTP inishuwarenzi anofanira wakaiswa - tsaona.

nuances

Zvichitevera tsaona inofanira nokungwarira achiongorora akuvadzwa kuvadza motokari. Uchiteverwa motokari mupurisa anofanira kutsanangura zvakajeka, uyewo kusanganisira achiita okuti "zvichibvira zvakavanzika kuremara." Zvikasadaro, muUK haadi kubhadhara mutengo rokugadzirisa kukuvadza haina inorondedzerwa kare.

Unofanirawo tarisa yakarurama pamusoro protocols uye zvitupa, kururama mashoko aya pamusoro nzvimbo uye nguva tsaona, pamusoro vechikamu uye motokari ruzivo. padzimwe All inofanira vanopupurirwa kubudikidza chidhindo, iyo siginicha uye mutsara wokuti "shandurudzo". Gwaro rinofanira kuitwa mune imwe manyorero.

Ita motokari sezvinobvira pashure zvemakore tsaona pamwe mvumo wezvikoro.

vamwe mikana

Kana motokari kutambura pamusana imwe njodzi dzakadai dutu kana akawira billboard, ipapo rubatsiro pamusoro chiitiko taurai kuhofisi Rosgidrometeotsentra. Kana muchina wakaremara nomoto, kuti runoenzanirana gwaro kunogona kuwanikwa kubva Fire Department.

Varidzi Chikomo mitemo muripo kuti zvakakanganiswa kumapati rechitatu, anofanira kunyora kushanda kune miganhu yemapurisa uye kutora chitupa achisimbisa kuba zvikamu. Saizvozvowo, tinofanira kuita chiitiko motokari kuba.

Kana chiitiko insured kunoitika CTP (RTA), uye chaikonzera vakanotora Mutemo rimwe guta, unofanira kuonana yomunharaunda bazi yako kambani. Kuripwa muripo kunofanira ari nyore nzvimbo akuvara (guta).

Heano mazano magadzirirwo nyaya inishuwarenzi pamusoro gwenya inishuwarenzi zvairayirwa.

Nezvokusaita

• Kufambisa motokari kana chokuita nzvimbo DPT zvinhu asati kuuya motokari mapurisa pasina chikonzero chakanaka chaizvo.
• Vachishandisa ngozi vechikamu uye kuti mari kukuvadza mhiri mapurisa nokukurumidza.
• Vhunduka.

ziviso SC

Misi pamusoro iyo yeGmail.END_STRONG vanosungirwa kuzivisa chiitiko, raanotaura kondirakiti. MTPL, ndivo mazuva 15 kubva musi tsaona, maererano Hull - 3 kushanda mazuva ose nguva kunze kuba. Mukupera Kana munhu maawa 24 chete. Zvino unofanira kuuya bazi UK uye kupa pasuru rakakwana magwaro. Ake Pamazita ane kondirakiti. Munhu ane mazuva 15 kuunganidza mapepa. Kunyange zvazvo kazhinji nguva iri hakunyatsotarisirwi.

Kana nzvimbo yacho tsaona waitirwa haana kugamuchira chero zvinyorwa, chikumbiro runoenzanirana anogona kugadzira UK. Kubva mutengi vanofanira kupa pasipoti, pakutanga mutemo, makopi pakutengeserana, uchapupu motokari kunyoresa, chitupa chokutyaira, wepakuvamba "Notices", kubhengi mashoko atadzirwa, mashoko ari nouya kugamuchira mari iri nyaya inishuwarenzi. Paper anofanira ndokutsika, mazuva uye kuverengwa.

Vashandi compulsorily kuongorora. Kana kukuvara akakomba zvikuru, nyanzvi kunodiwa kuenda tsaona yacho. Zvichienderana kunyatsoongorora basa uwandu kunyorerwa. Sezvo pasi acho ari UK mazuva 20 kuti chisarudzo.

ongororo nzira

Zvinhu kazhinji chinovapo kana munhu haribvumirani nepfungwa kuongorora uye kuripwa Verengai. Kuti vagadzirise dambudziko, zvinokosha kuti kuitisa yakazvimirira kuzviongorora zvinobatanidza evaluators vane rezinesi kuti aite kuvhiyiwa ichi, uye vamiririri UK. Kukokwa vashandi nekambani vane kutumira vakanyorwa tsamba hapana paya pane mazuva matatu asati kuongorora musi. Kana rokutanga chitsama zvaparadzwa kunopfuura zviuru 120 rubles, anofanira vakakokwa kuongororwa uye chaikonzera tsaona. Zviito zvakadaro kana inishuwarenzi CTP kuchakubatsira mberi akuvara bato kuwana muripo kuburikidza kumatare. Inishuwarenzi Vamiririri kazhinji kufuratira yakazvimirira kuongorora. Asi pano kukosha chokwadi zvakanyorwa kusimbisa Dispatch kwakazivikanwa. Kana UK vakaramba kubhadhara muripo kana pasina mhinduro mukati memazuva 30 pashure okutambirwa magwaro vanofanira kushanda kudare.

Magadzirirwo inishuwarenzi pakuparwa CTP pasina bhuku?

Recently kwaiva tsika kunyoresa tsaona iri "evroprotokol" pasina kutora chikamu revashandi rwemotokari mapurisa. Kuti mashoko aya ngaateme tsaona, unofanira kushandisa siyana yakataurwa muUK. Vakabvuma mukati 5 mazuva kubva musi tsaona.

kunyoresa mamiriro: vechikamu All zvinofanira insured, nokusabvumirana pamusoro zvakakanganisika uye mugwagwa tsaona vanoronga hakufaniri. Chete ipapo vatyairi vachakwanisa kubudisa zvinyorwa pasi Chakarerutswa hurongwa. "Ona kuti tsaona" vanofanira kuva pee rese uye raireva muUK. Panyaya iyi, munhu akuvara haagoni kusangomanikidzira yokuwedzera zvinodiwa kuti insurer, asi kambani anekodzero kuti kuongorora kuti kujekesa zvinhu yacho tsaona.

Inishuwarenzi "Rosgosstrakh": ine CTP

• The kunonyanyisa Ukuru zvinhu muripo - 400 zviuru rubles ..
• Muganhu kubhadhara muzviitiko inishuwarenzi, formalized "European dzakati", - .. 50 zviuru rubles, kana vechikamu vaviri simbiso tsaona akagamuchira pashure 08/01/2014. Mune zvimwe zviitiko - 25 zviuru rubles ..
• The kunonyanyisa kuwanda muripo nokuda "European dzakati", kunyoresa pamusoro panowanikwa mutsaona muMoscow, St. Petersburg uye anoenderana nzvimbo, dzakanga wakanyorwa hwokugadzira achishandisa ongororo, - 400 zviuru rubles ..
• Inishuwarenzi "Rosgosstrah" vanobhadharwa mari kana zvivabatsire kugadzirisa. Kana yechipiri kufungwa yabvaruka zvikamu kutsiviwa. The motokari inogona vakashumira chete vaya pazviteshi izvo UK akaita chibvumirano kuti igadziridzwe.
• kugadzirisa nyaya nguva - 20 kushanda mazuva.

Aichinja mutemo muna 2015

Gore rakapera, State Duma kushandisa Mutemo wakagadziridzwa wokuita, kuwedzera muganhu vachibhadhara pamusoro kukuvara pfuma uye vanopfeka nokuchinja pachikumbaridzo. Kana chiitiko insured kunoitika pamusoro CTP, muridzi motokari anogona zvino kusarudza nzira yokuwana muripo (mu mari kana nenzira rokugadzira) yavo. Will dzosera chete muUK sei, pasinei kambani anoshumira chaikonzera tsaona. The State Duma anotenda kuti redirects kuti munharaunda davi romuti insurer imwe tsaona ubatanidzwe chete yokunonotsa chokuwana muripo. Kare muna Muzviitiko zvakadaro apiwa nokuda kwokuripirwa faindi 0.1% uwandu muripo rimwe zuva kunonoka. New Mutemo wakagadziridzwa wokuita vakawedzera kukura komisheni kusvika 1%.

Fines vari akapawo pakuparwa kukundikana muUK vashandi kutengesa MTPL itsika vane chekuita. saizi ravo 50 zviuru. Kwiza nechekuzasi. The mamwe mabasa nekuda zvakaenzana anogona kunzi serimwe rinogona kutsiva kambani.

Uyewo zvakachinja kufadza payout nokuda CTP policies "Rosgosstrakh". Inishuwarenzi chiitiko, kwakaitika pamusoro munharaunda Moscow, St. Petersburg uye Leningrad dunhu vanofungidzirwa pa 400 zviuru. Kwiza nechekuzasi. Vechikamu pamusoro tsaona achafanira kupa umboo kuti vhidhiyo-zvokurekodhwa zvose motokari. Nokuti dzimwe nharaunda, muganhu ndeyevanyori 50 zviuru. Kuzora.

The yakabvumira kugadziriswa kwemutemo wekuita rinhi pakatanga pamusoro mutero ari mukoridho, kuti vakwanise makambani kuderedza mitengo mitemo. Asi zvakadini kuchachinja mari "avtograzhdanki", achiri kuzivikanwa. Maererano rokutanga Zvinofungidzirwa Russian Union of Insurers (RSA), mwero inogona kusimuka mutengo muna 24.2%. Sezvo 2016 zvichava kugadziridzwa ne Central Bank.

Nguva yose pre-kutongwa kugarwa munyaya dziri airarama mazuva 25. Nokuti kutanga 20 zvakafanira kuongorora uye kusarudza muripo. On the kugarwa pachayo achiri 5 mazuva. nguva ino haisi zvekupedzesa kubudiswa nomumwe insured chiitiko. Njodzi inogona kusashanda avtoyuristy kuti kupa vatengi muripo mune mari mukutsinhana basa ari kutaura. Zvadaro achitsausa vanachiremba zvakadai muna UK zvakafanana kanoverengeka kupfuura uwandu kukuvadza. Pano uye boka anotambura nezvinhu, uye nemhosva zvakakwana uwandu muripo kuti ruoko isingaswederi. A chinorura denderedzwa.

Comments nyanzvi

Maererano vashandi of PCA, pane mumwe dambudziko. Muripo nokuti makasitoma vasiri kurapwa mune boka, uye kudare.

muenzaniso

Man akawana MTPL wokuti "Rosgosstrakh". The insured chiitiko chakaitika pamusana petsaona. The nemhosva, pasina anokonzera UK vashandi rinoreva private appraiser kuti kuongorora. Asi sei vanhu vazhinji, pfungwa dzakawanda. Imwe nyanzvi anofunga kuti motokari vanofanira kudzorera 1 ths. Kwiza., Asi kudanwa wechipiri uwandu 10 zviuru. Kwiza nechekuzasi. On the yeGmail.END_STRONG kugamuchira mhedziso wavhomorwa pakarepo kudare. Maererano nenhamba, ose 4th insurer unoshanda zano rakadaro. Iyi haisi dzose ezvinhu.

Nemitemo kana chibvumirano chiyeuchidzo kuna vatengi vangave kodzero se "chiitiko insured kunoitika. Ndoita kuita? "It zvakajeka isingachinji kutevedzana kwezviitiko nezviito. Chekutanga zvose zvakafanira kuti ndizivise yomumugwagwa mapurisa. Maererano nenhamba, 8-9% dzokushungurudzwa yakanyorwa "evroprotokol". Kuwedzera muripo mitemo chete nekukuridzira vatori vechikamu kuti tsaona kuti kubva tsaona pasina motokari mapurisa. In Nemuromo, chiyero vakadaro vachafanira kuderedza kuwandisa kwemotokari mumigwagwa. Vatyairi havafaniri kumirira kwemaawa anoverengeka mapurisa. Asi tsika, munhu haagoni kupa mamwe zvinodiwa SC. Paper iri chete inonzi "evroprotokol", asi chinoitwa pamwe nechimiro chokureva Russian.

Panyaya muripo muchimiro motokari kugadziriswa, mamiriro acho ezvinhu akanyanya zvakawanda. SRT, iyo UK akaita chibvumirano kungava 100 km kubva chepaseka. Mutyairi vacharamba kubhadhara yakawanda zvitsva nhengo. Panzira, kuti yakabvumira kugadziriswa kwemutemo wekuita itsva nemurairo, Kuderedza kusakara nhengo rashayiswa kubva 80 kusvika 50%. Uye kune murombo kugadziriswa dzemapurisa vachafanira kubata pachavo, kunyange zvazvo chibvumirano iri akagumisa SK.

pfeka Features

Huwandu kukuvara vagara vandifungira Paaipedzisa kutaura mari zvikamu kutsiviwa kana kwakagadzirwa akagadzirisa nokuda depreciation. Chinhu hama nechiyero. Iye inechirevo mwero Utilisation yenhengo uye vekereke muchina panguva huchishanda. It runoratidzwa mari dzakabatana. The mamwe makore mumotokari, kashoma mari zvikamu. Hazvina kududzira ichi kunokonzera zvakawanda kusawirirana pakati vakaurayiwa uye muUK.

Nokuti mumwe mhando yenhengo iiswe pachavo mitemo yayo nokuda pakuverenga depreciation. parameter ichi vari dzaona chete nokuda nodes dziri kutsiviwa zvachose. Kana chinhu inogona kudzorerwa, insurer anofanira kuripa rose kugadziriswa. Mari kuti kutenga pendi uye motokari basa anofanira ndanyarara hangu zvakazara. Izvi zvinoshandawo yakachengeteka zvinhu (airbags, mabhandi), pasina iro kushandisa motokari hakubvumidzwi. Kukudyira zvinofanira kuitika musi tsaona, asi kwete kana kuongorora zviri kuitiswa.

mhedziso

Third webato kuita inishuwarenzi mutemo unoti kuti vatyairi vose. Asi policies yakadai kakawanda panguva Kuedzwa, uko Chinongodiwa mutengo. Kana mutyairi ane refu tsaona isina dzokutyaira ruzivo, tinofanira kuva dambudziko. Asi ndingangokuvara chiitiko insured nguva dzose. Naizvozvo zvakafanira kare tinyatsoziva nemitemo vaigadzirira magwaro uye algorithm nezviito kana petsaona.