Mokakamizidwa inshuwalansi: zimene zikalata zofunika? Mokakamizidwa chonse cha

Kodi CTP, kudziwika kwa aliyense mwini galimoto, chifukwa, kamodzi pachaka, ali kulankhula ndi kampani inshuwalansi kuphedwa kwake. mfundo MTPL compensates kwa pagalimoto mu chochitika ndalama akuwuka kwa zinthu zosasangalatsa panjira, ndiyo ngozi, choncho n'kofunika kuti pa lokha nthawi zonse anali inshuwalansi CTP. Kodi zikalata zofunika ndi mochuluka bwanji kulipira - mafunso amenewa nthawi zonse zogwirizana. Yesetsani kumvetsa.

Kodi muyenera kupanga ndondomeko?

madalaivala ambiri amaganiza kuti kulembetsa wa MTPL inshuwalansi yokwanira, koma izo siziri. Pakuti mapeto a mgwirizano pakati osankhidwa inshuwalansi kampani ndi inshuwaransi adzafunika angapo zikalata.

Komabe, iwo sadzakhala ndi nthawi kusonkhanitsa ndi nthawi imeneyi ndi yamtengo wapatali, oyendetsa amakhala nthawi zonse ndi inu. Kotero, kuti tilowe mu mgwirizano CTP, muyenera kupereka zotsatirazi zikalata pachiyambi.

zikalata Car

Izi kawirikawiri kapena kalata ya kalembera wa galimoto - HFS (amatchedwanso "pinki khadi"), kapena chikalata galimoto kulembetsa - MTS (mwa anthu - "buluu"). zikalata amenewa akusonyeza deta luso galimoto, komanso deta yaikulu ya mwini - dzina, adiresi.

chikalata Umunthu

Kawirikawiri ndi Russian pasipoti - mwini galimoto. Ngati inshuwaransi ndi mwini - munthu wosiyana, ndi insurer ali kunatanthauzanso pasipoti.

Malo m'kupita galimoto anayendera

okwerera tsopano akuchititsa anayendera luso galimoto, mwini khadi matenda muli deta za galimoto, tsiku la yalelo ndi kuyendera. Inshuwalansi CTP wakhala anamaliza, muyenera kukhala zomveka matenda tchati. Izo ziyenera kukhala chomveka maola osachepera wina 24.

madalaivala ambiri, pofuna kupulumutsa ndalama zawo, kupewa kudutsa kuyenderako ndi kuyesa kuti nthawi yoyandikira ndi apano CTP Kupimidwa, koma kuti apereke latsopano, kapena kuiwala, kapena sakufuna. Kumbukirani kuti mwambo ngozi, ngati Nawonso achichepere palibe deta pa anayendera luso galimoto, ndi inshuwalansi kampani mwina amakana kulipira.

layisensi dalaivala

chikalata ichi ndi chofunika ngati mgwirizanowo CTP mndandanda zochepa madalaivala. Ndi zikalata zofunika madalaivala amene adzakhala adalowa inshuwalansi lapansi. Mu nkhani kwambiri n'zotheka kupereka makope a iwo. Nkofunika kudziwa kuti chiwerengero cha oyendetsa amene ali ndi ufulu kuyendetsa galimoto, akhoza musalumphe anthu anayi. Apo ayi, mukhoza kukonza inshuwalansi popanda malamulo. Pamene chiphatso inshuwalansi unrestricted galimoto si chofunika.

Nthawi zina, oimira inshuwalansi kampani angafunike mgwirizano wa zogulitsa kapena mabuku ena. Koma izi kupatulapo osati lamulo.

Pokhapokha zonse muyenera kukhala okonzeka, akhoza chikalata MTPL inshuwalansi. zikalata zomwe ndi zofunika izi, inu mukudziwa, kotero mavuto ayenera uka. Funso lotsatira kuti nawatsimikizira tingafunse pa mwini galimotoyo, "Kodi ndalama kuphika?"

CTP mtengo

Zosangalatsa si yotsika mtengo, koma nkhani mfundo akadali zofunika. Pankhaniyi, kupeza galimoto amakhala otetezeka. Ndipotu, ziribe kanthu momwe ndikutsimikiza woyendetsa Luso lake, lomwe sadziwa galimoto, zinthu zinasintha. Ngakhale miniti imodzi, imene dalaivala anatanganidwa kungachititse ngozi. Choncho yotsika kuti apereke mfundo, osati kulipira kukonza galimoto kuonongeka.

CTP mtengo Muwerenge mlingo m'munsi kuchulukitsa ndi chiwerengero cha koefishienti. The pazipita mlingo m'munsi kwa anthu zachilengedwe ndi 4118 rubles, otsika 3432. Makampani a inshuwalansi ali ndi ufulu kukhazikitsa maziko awo, mtengo wa malamulo angakhale osiyana pang'ono.

Kuphatikiza pazifukwa zimene n'komwe pamene kuwerengetsa mtengo wa inshuwalansi makampani ali kunatanthauzanso kupereka dalaivalayo kuona, amene amaperekedwa kwa iye lililonse ngozi-free chaka kuchuluka kwa 5%. deta zili Nawonso achichepere limodzi ndi sikudalira pa zokonda za inshuwalansi akuda. Tsopano tiyeni tikambirane zambiri za koefishienti lapansi.

The koefishienti wa tariffs inshuwalansi

The koefishienti zotsatirazi wa tariffs inshuwalansi.

1. dera la ntchito chisanadze emptive a galimoto.

Kumadalira malo okhala a mwini TC. Wokwera pa lamulo CTP, mwachitsanzo, Moscow koyefishienti wofanana 2, Irkutsk 1.7, koma Sebastopol 0,6 yekha.

2. M'badwo ndi zinachitikira dalaivala.

Ngati woyendetsa ndi zaka wocheperapo 22, ndipo zinamuchitikira wa zaka zitatu, kapena mtundu wina wa chinthu ichi padera, mlingo wapamwamba likukhudza mkati 1.6-1.8.

3. Chiwerengero cha anthu anavomereza kuti galimoto.

Ngati inshuwalansi sasamalira zoletsa chiwerengero cha madalaivala, komanso kumawonjezera koyefishienti umagwiritsidwa, wofanana 1.8.

4. Car Mphamvu mu HP

Kwakukulu mphamvu zazikulu koyefishienti. Mwachitsanzo, koyefishienti ntchito kwa mlingo m'munsi galimoto ndi mphamvu 135 HP ndi 1.4. 50 HP - 0,6.

5. Nyengo ya ntchito.

Kwenikweni mwini akumaliza mfundo MTPL kwa chaka. Factor mu nkhani iyi ndi wofanana ndi umodzi. Koma ngati inu kuganiza inshuwalansi miyezi isanu ndi umodzi, ndiye kulipira 70% ya mtengo wa malamulo kwa chaka, ie, chiŵerengero adzakhala 0,7.

Ndi zinthu zonse zimene n'komwe pamene kuwerengetsa kufunika kwa mfundo. Musaiwale za kupereka alipo. Ngati zilipo kwa mwini, koma n'komwe, izo sizingakhale zomveka ndi inshuwalansi CTP. zikalata zimene zimafunika kuti awonetsepo kuchotsera? Only laisensi kapena ngati inshuwalansi, popanda malire, mwini wake wa pasipoti galimoto.

Nditawerenga nkhani imeneyi, aliyense policyholder amapeza mfundo zothandiza za mtengo zinthu, malamulo a mphamvu kamangidwe ka mfundo. Inu mukudziwa momwe zofunika chinthu - CTP inshuwalansi, zimene zikalata zofunika, tsopano imatchedwanso. A policyholder woyenera, amene amadziwa chirichonse, konse anathamangira mu mavuto pamene mupanga ndondomeko. Ndipo pambali, izo zimayambitsa ulemu inshuwalansi akuda, chifukwa ndi anthu wodziwa ndi nthawi zosangalatsa kwambiri kuzipirira.