Chilango CTP: mmene kuwerengera?

Kuyambira 2014 kusintha anapangidwa kwa malamulo. Tsopano kampani ya inshuwalansi zimene zimaipitsa mfundo za malipiro inafunika kubwezera kulipira kumawononga lithe kwa CTP. kukula kwake zimadalira kuchuluka kwa malipiro ndi kuchedwa nthawi. Zambiri za pamene ndi mmene tingagwiritsire ntchito yabwino pa CTP werenganibe.

CTP

Kuyambira kumayambiriro CTP yathandiza zabwino pa zinthu m'misewu Russian ndi chitukuko cha inshuwalansi msika. Ngakhale zolakwa, ndi akupitirizabe kukhala CTP. Mwini aliyense galimoto ayenera kutsimikiza udindo wake. Pamene inu funsani gulu kutulutsa mawerengedwe umafunika. Mtengo wa ndondomeko amadalira malangizo zinthu, tariffs, koma ndi Lamulo pa mlingo malamulo.

Mwachitsanzo, mtengo wa malamulo a inshuwalansi ya galimoto ndi mphamvu malita 120. a. chaka nambala malire anthu akuluakulu kuposa zaka 22 ndi kujayira kwa galimoto mpaka zaka ziwiri, anavomereza kuti mu Berdyansvke ndi Moscow adzakhala kasamalidwe osiyana.

malamulo

Malinga ndi terminology malamulo, chilango amatanthauza ndalama zomwe chipani chimodzi akulola kupereka ndikupeleka mzake, ngati si anakumana zikhalidwe za mgwirizano.

MTPL Chilango ingagwiritsidwe ntchito kampani ya inshuwalansi, yomwe analola kuchedwa mu processing zodzinenera dalaivala kapena tikaonetsetsa ofunsira benefiti.

Chilamulo Federal № 40 "Pa Yokakamiza" sizinatchulidwe ufulu ndi udindo UK, udindo wake ngati si kukwaniritsidwa pankhani ya. Makamaka, lamulo amapereka malipiro kuvomerezedwa chilango ngati:

• kusokonezeka kwa nthawi malipiro kapena kutumiza mochedwa kukonza galimoto (chikalata amasonyeza kuti nthawi ya ntchito za ntchito) kuti vuto la insurer ndi;
• kulephera kubweza nthawi malipiro, ngati chikhalidwe zotchulidwa mgwirizano.

nkhani zonsezi zafotokozedwa mwatsatanetsatane:

1. Civil Code.
2. Chilamulo №4015-I «About kampani ya inshuwalansi."
3. Federal Chilamulo №40 «About CTP."

Kodi kuwerengera chilango cha CTP?

Ngati kampani ya inshuwalansi waphwanya mfundo za malipiro, ayenera kulipira dipo - 1% ya ndalama. chilango yowerengera kwa CTP ndi chilinganizo zotsatirazi:

H = L × (1: 75) C × 100, kumene:

H - CMTPL chilango;

• D - chiwerengero cha masiku a kuchedwa;
• C - mlingo refinancing;
• B - malipilo pansi mgwirizano.

Tsiku chiphaso kulembetsa malipiro amadziwikanso n'komwe mu kuwerengetsera lapansi. Mokoma kumachitika pamene galimoto kukonzedwa. Udindo khalidwe ndi nthawi ya ntchito lagona mu insurer a.

Ngati kampani Kodi salipidwa malipiro, mawerengedwe adzakhala zochokera kuchuluka okwana ngongole. Ngati malipiro tsankho koma zaperekedwa, ndiye chilango adzakhala kuwerengetsa zochokera ngongole otsala. Mu nkhani ya issuance a malangizo a ndalamazo kudzadalira nthawi chiphaso ake.

malire

Lamulo limapereka sangathe kuchita malipiro. Ngati kuwonongeka chifukwa chakuti:

• Only katundu - 400 zikwi; p..
• moyo ndi thanzi - 500 zikwi tsa ..

malire wina ndi kuchuluka kwa chilango mwina olumpha ndalama inshuwaransi pansi mgwirizano. Statement on chilango Yokakamiza umagwiritsidwa ntchito kampani monga mbali ya Kuthi chisanadze mayesero. Lili ndi mfundo za kulanda ndalama.

zitsanzo

Insurance ananyalanyaza mawu a indemnification ndi overstayed malipiro a masiku 20. The obwezeredwa kuchuluka ndi 120 zikwi. Tsiku lina kuchedwa ndi 120 × 0.01 = 1.2 TH P.. Pakuti kupereka makasitomala ayenera funsani mfundo yoyenera.

Ngoziyo zowonongeka galimoto kuchuluka kwa 150 zikwi. P. Tanthauzo lathunthu reimbursement lapelekedwa kwa kampani pa 1 September. Monga wa September 30, zopelekazi sanalandire. Total kuchedwa nthawi ndi masiku 10. Tsiku lililonse akuchedwa kampani ali kulipira 1.5 zikwi P..

mawu

Pasanathe masiku 20 chiphaso cha lonse la zolemba anafunika kupereka chipukuta misozi inshuwalansi, kupereka malangizo kwa kukonza kapena kupereka kukana mwanzeru. Ngati wapezeka kupanda sheya, ndi insurer adzakhala awadziwitse makasitomala ndi kupereka mndandanda zonse zolembedwa palibe. Ngati pepala si mfundo zolondola kapena zikalata ambiri sankachita ndondomeko gulu alibe kulipira dipo kapena malipiro ena.

Terms of kupereka chilango adzakhala mankhwala mu mgwirizano. Ngakhale zambiri izi makampani mfundo kunyalanyaza. Choncho, kumapeto kwa mwezi zotsatirazi chigamulo muyenera kugonjera kunena kuti kampani ndi kukhoti. Zikatero zakonzeka msanga. Pasanathe masiku 10 pambuyo chisankho ziyenera analipira kumawononga lithe ndi malipiro anu.

jurisprudence

Mlandu amapita ku khoti, m'pofunika kuti mfundo ziwiri zonena. The choyamba - kulipira malipiro, ndipo chachiwiri - kuti kasitomala amadalira chilango cha CTP. mawu onse tiyenera kumva limodzi. Mawu, muyenera mwachindunji:

• Chiphaso malamulo a ulamuliro zotuluka kumene ntchito wapangidwa;
• tsatanetsatane wa wozengedwayu;
• atafunsira zonse zokhudza ngozi;
• zotsatira za kumupima;
• kuchuluka kwa arrears kubweza ya malipilo ndi zilango.

Court zambiri sanasankhe positive.

Chilango CTP: mokoma

Wozunzidwayo anganene malipilo kukonza galimoto yake. Amasankha njira ya reparation: ndalama kapena mu mawonekedwe a mtengo kukonzedwa. Ngati ngozi mlandu mbali zonse, malipilo yaperekedwa mu yofanana.

Ndondomeko palokha ndi zidziwitso za ngozi inshuwalansi zasintha. Ngati ngozi nawo magalimoto awiri, eni amene CTP, ndipo kunalibe kuvulala, mmodzi wa iwo amapita ku kampani yake. Nthawi zina, muyenera kutsatira kampani zikuoneka.

Ndondomeko chilolezo ngozi ndi evroprotokol komanso masinthidwe. Gulu lililonse adzakhala awadziwitse kampani mkati mwa masiku 5 ntchito. Apo ayi, woyambitsa adzayenera azilipira kuwonongeka pa ndalama zake. Ngati pali kanema kapena chithunzi chimene chinachitika ngozi, pazipita kuchuluka kwa malipiro likulu ndi Leningrad dera adzakhala 400 zikwi. Pakani.

Wovulalayo ayenera kusonyeza kampani galimoto yawo mwa masiku 5 chichitikireni ngozi. Pa pempho la insurer, kuti mlandu gulu lachitatu. Izo ziyenera kupereka galimoto kuyang'anira pasanathe masiku 10 kuchokera tsiku chiphaso cha ntchito. Munthu wolakwa sikuloledwa kutaya galimoto kapena kukonza mkati mwa masiku 15 ntchito, mwinamwake chilango inshuwalansi pa malipiro a CTP ndipo palibe malipilo ilipiridwa.

The insurer kungafunikire kupereka malipiro ndi zilango mu dongosolo pretrial. Ngati zipani sagwirizana, ayambe kumawononga kwa CTP ndi malipiro idzachitike mwa bwalo. Inshuwalansi akuda akuyenera kupanga ndalama zonse mu dongosolo pretrial. Koma kwenikweni, izi ndalama zosakwana makasitomala amene amadalira lamulo. Choncho, ambiri a milandu anathana kudzera m'makhoti.

ziletso zina

Chilango - ichi ndi kuvomerezedwa wina, zimene zikugwirizana insurer mu mwambo kuphwanya mfundo za malipiro a chipukuta misozi. kukula kwake zimadalira kuchuluka kwa milandu. Ngati kuphwanya mfundo za malipiro a malipilo kampani ayenera zoperewerazo 1% kuchuluka chabwino cha kuchedwa patsiku. Ngati olimba linaphwanya mgwirizano wa malangizo kukonzedwa, ndi kuchepetsa adzakhala ndi 0.5% ya ngongole. Ndi njira iliyonse ankatha kuwerengetsera pang'onopang'ono mwina olumpha kungakupatseni mgwirizano umafunika.

Ngati chipukuta misozi kwa makasitomala kuthana ndi kunena, khotilo pa chilango CTP adzakhala lowonjezera mwa chigamulo pa malipiro mokakamizidwa ya ndalama. Ndi malipiro aakulu kwambiri ndalama pochedwetsa. Mochedwa kulanda ndalama kwa phindu la akuti ndi kuphwanya akuluakulu a maudindo a insurer a.

Nkhani 16 Chilamulo Federal "Pa Yokakamiza" anapereka adzakhala kubwezeretsedwanso mokomera munthu wachibadwa chabwino kwa kuswa kupereka chipukuta misozi. Ngati ntchito ya Society kutetezela ufulu wa ogula iye amadalira theka chilango kuchuluka. Kuchuluka kwa chilango ndi 50% ya malipilo kuti tibwerere ku funso. Popanda kutenga nkhani ya ndalama kuti malipiro mwaufulu pasanathe masiku 20, zilango, ndi malipiro ena.

chitsanzo china

Kuchuluka okwana malipiro ndi bwalo la milandu zikwi 50 P.. Mu ndinapatsidwa mosavomerezeka zaka 20 tsiku kampani mudzalipidwa 10 okha zikwi. P. zofuna za chipani ovulala choncho ndi OZPP.

= Kuchuluka kwa chabwino (50 - 10) X 0.5 = 20 zikwi r Mukhoza .. Awa, 10 000 akubvomerezanso anavulala, ndi ena ambiri - OZPP.

Features

Kuchuluka okwana chilango mwina olumpha pazipita kuchuluka kwa malipiro a mtundu yoyenera inshuwalansi amawonongeka.

Ngati kampani wachita chokhumudwitsa koposa wina, amavomereza akhoza anapempha aliyense wa iwo.

Kuchepetsa ndalama ku khoti angakhoze kokha pamaziko a mawu a wozengedwa ndi pokhapokha ngati chilango imaŵerengedwa akanagwiritsa kuti zotsatira za kuyan'anila.

ziletso zonse chagwiritsidwa achire malipilo ku PCA.

Akuphedwa bwalo amadzinenera kuti malipiro si sichingapatule kampani kuchokera kupereka chilango a.

Understatement kuchuluka kwa malipiro

Pafupifupi nthawi zonse akuona bwalo kudziwa kuchuluka kwa chilangocho. Kupatulapo ali pamene wotsutsana analephera kuonekera pa khoti, ndi chiweruzo ofikira. Ngati pang'ono malipilo, akuchedwa zazing'ono, pali mwayi kuti chiwerengero cha kuchepa sadzatero.

Kukonzekera mayesero a chikufunikabe. Mwachitsanzo, kuti zoperekedwa Yolemba imene kusonyeza:

• kusagwirizana ake ndi pempho kuchepetsa chipukuta misozi chifukwa chosowa malo;
• lembani zinthu zonse zofunikira kuchepetsa malipiro ndi payokha amasonyeza zinthu zimene anakumana.

olembedwa mafotokozedwe Mwachitsanzo kufunika angagwirizanitse kwa file choncho. Pamene bwalo adzapereka pansi kuyankha, m'pofunika mwachidule mawu ililipo, moganizira mfundo zofunika kwambiri.