Malipiro Insurance MTPL: bwanji kuti zimene ngongole

Ngakhale kuti m'dziko lathu kulembetsa ndi mokakamizidwa MTPL malamulo, ambiri sakumvetsa akamanena za mtundu wa inshuwalansi. Chifukwa, ngati amalowa ngozi, amamuganizira anadabwa pamene amapeza kuti inshuwalansi malipiro MTPL sakuyenerera.

Nkofunika kuzindikira kuti avtograzhdanki amatanthauza udindo wanu inshuwalansi lachitatu maphwando. Ndiko kuti, malipiro inshuwalansi zimayikidwa okha ku phwando anavulala. M'mawu ena, kupanga kunja mfundo MTPL, inu kutsimikiza katundu wa anthu. Ngati mukufuna kutsimikiza galimoto, muyenera Komanso zokongoletsa mfundo CASCO.

Zochita mu nkhani ya ngozi

Chifukwa, kuwonongeka kwa ngozi limapezeka. Iwo akhoza kugwiritsidwa ntchito ponena za thanzi ndi msewu magalimoto anthu. Ngati muli nawo pa ngozi, chinthu choyamba inu muzichita - ndi kukhazikitsa chizindikiro mwadzidzidzi, kuitana apolisi apamsewu ndi Commissioner mwadzidzidzi. Palibe sayenera kusuntha magalimoto.

Mpaka nthawi ya kufika kwa akatswiri sayenera anakambirana ndi wachiwiri ophunzira ngozi mavuto ake. Ndipo polowa mlandu - ndi ochita chipikisheni magalimoto apolisi (kupatula, ndithudi, milandu zoonekeratu kwathunthu). Pofuna kuti tiziwononga nthawi, gulu ngozi mungathe lembani "Zindikirani za ngozi" chamanja izo.

Akamaliza ntchito pa malo a ngozi ya magalimoto apolisi ayenera apereke kalata, protocol ndi chikalata pa wolakwa ngozi. Ngati mapepala si inakhazikitsa, khalani okonzeka kuwafunsa ndi kumene adzakhala kusanthula ngozi wanu. Ngati ndinu wolakwiridwayo, zikalata onsewa zidzafunika kuonetsetsa kuti munapanga malipiro CTP mawerengedwe.

Makampani inshuwalansi

Mukakhala kupereka mawu kwa inshuwalansi kampani, komanso zikalata zonse zofunikira, inu nkhani tsiku kubwerezanso zowonongeka palokha Katswiri. Ndikatha kumfunsafunsa cha galimoto mkati 30 masiku, ndi insurer ayenera kusankha pa ntchito. Koma nthawi zambiri, ndondomeko akhoza sachedwa ndipo ngakhale kuzipeleka zolembedwa zina.

Ngakhale ngati simuli mlandu wa ngozi, muyenera kukonzekera chakuti insurer akhoza kwambiri kuchepetsa kuchuluka kwa malipiro CTP. Rosgosstrakh Mwachitsanzo, mu 2012 anakhala mtsogoleri pa kukana kwa malipiro a inshuwalansi.

Understate malipiro inshuwalansi pa mokakamizidwa inshuwalansi galimoto, ndi insurer mulole mu njira zingapo:

- m'malo m'malo mbali ya galimoto imaonekera mu protocol kuwunika mtengo kukonzedwa awo (mwachitsanzo, bampala kogwirizana);

- ntchito poona kuchepetsa mtengo wa zida zosinthira chifukwa nkhani avale awo.

Ambiri adzati, chifukwa insurer kutero. Yankho lake ndi losavuta - anthu ochepa adzapita ku khoti kuteteza zofuna zake, kutanthauza kuti inshuwalansi kampani adzapulumutsa ndalama yaikulu ndalama chipukuta misozi.

Ngati ndinu wotsimikiza kuti insurer zayamba understates ngongole kwa inu ndi malipiro inshuwalansi pa mokakamizidwa inshuwalansi galimoto, onetsetsani kupita kukhoti! N'zotheka osati wekha, komanso kudzera mwa nthumwi zawo. Masiku ano, makampani ku msika wa totere utumiki, wokongola kwambiri. Nkofunika kusankha wina kuti anapatsa amalipiritsa mautumiki awo okha atapambana kukhoti.

Ndipo potsiriza, ine onani, Mulimonsemo, musati kukonza galimoto pamaso kupeza MTPL ndalama za inshuwalansi. Apo ayi, mu nkhani ya pansi-malipilo, inu simungakhoze kutsimikizira chilichonse.