Yini okufanele uyenze uma inkampani yomshuwalense ikhokha kancane i-OSAGO?
Ngokomthetho waseRussia, abanikazi bezimoto ezifuywayo kudingeka bakhiphe inqubomgomo ye-OSAGO. Iyini i-OSAGO, sesivele sibhale ku-Vodi.su, lo ngumshwalense wethu wesikweletu. Okusho ukuthi, uma kwenzeka ingozi futhi ulimaza impahla yomunye umuntu, isinxephezelo somuntu olimele ngeke sikhokhelwe nguwe, kodwa inkampani yomshwalense.
Kodwa kuyaye kwenzeke ukuthi izinkampani zomshwalense zingayikhokhi imali umshayeli abeyilindele, ngakho-ke kufanele ukhiphe ephaketheni lakho ngemfologo noma ufune izindlela zokwenza inkampani yomshwalense iwuhlole ngokwanele umonakalo bese uwukhokha ngokugcwele.
Khumbula ukuthi kusukela ngo-2015, imikhawulo elandelayo ye-OSAGO ibilokhu isebenza:
- ukwelashwa kwezisulu zengozi - kufika kuma-ruble ayizinkulungwane ezingu-500;
- ukubuyisela ukulungiswa kwezimoto - ama-ruble ayizinkulungwane ezingu-400.
Ezinsukwini ezi-5 ngemuva kwengozi, kufanele ugcwalise kahle futhi uthumele imibhalo e-UK. Ukuze wenze lokhu, kutuswa ukuthi ushayele ngokushesha i-ejenti yakho yomshuwalense futhi uzoyikhipha ngokwemithetho. I-IC inesibopho sokukhokha inani phakathi kwezinsuku ezingu-20.
Kunjalo, wonke umshayeli obhekene nengozi ufuna i-OSAGO ikhokhele zonke izindleko zokulungisa imoto noma ukwelapha umuntu olimele. Kodwa yini okufanele uyenze uma imali ingenayo, futhi ungafuni ukukhokha eyakho, noma ungenalo ithuba?
Cabangela lolu daba ku-autoportal yethu Vodi.su.
Ukulandelana kwezenzo
Kukhona isu elichazwe ngokucacile elisiza ukuthola e-UK hhayi kuphela ukubuyiselwa kwezindleko zokulungisa, kodwa nezindleko zamanje, futhi ngezinye izikhathi ukulimala kokuziphatha:
- ukutholwa kombiko womcimbi onomshwalense onezibalo kanye nokuhlola kochwepheshe - enkampanini yomshwalense kudingeka ukuthi unikeze lo mbhalo, njengoba isigatshana esinjalo sifakiwe kwinkontileka;
- ukuxhumana nehhovisi lochwepheshe elizimele ukuze kuhlolwe kwangempela umonakalo;
- ukufaka isimangalo sangaphambi kokuqulwa kwecala e-UK;
- ukuya enkantolo.
Uma ubuka nje, yonke into ibonakala ilula ngokwanele, kodwa kunezingibe ezithile, ngakho sigxila kuzo.
Okokuqala nje, ukulungisa akufanele kuqalwe uze uthole isinxephezelo.
Uma iqembu elimele lingenalo ithuba lokulinda izinsuku ezingu-25-30, isibonelo, abantu balimala noma badinga imoto yokwenza ibhizinisi, bese uzama ukugcina amarisidi, futhi uphinde uthwebule imoto eyonakele kusuka ezinhlangothini ezahlukene.
Isenzo somcimbi onomshwalense sidwetshwa i-ejenti, bese uchwepheshe efinyelela isiphetho futhi abonise amanani adingekayo ukuze kubuyiselwe imoto. Sicela uqaphele ukuthi izindleko zokubuyisela zikhonjisiwe kucatshangelwa ukuguga nokudabuka kwezingxenye. Okungukuthi, ukulungiswa kwezimoto ezimbili ezifanayo ngokuphelele, kodwa zeminyaka ehlukene yokukhiqiza, ngeke kufane - ukubuyisela imoto entsha kuzobiza ngaphezulu.
Kuyaphawuleka ukuthi ngokuvamile abashayeli bezimoto ababheki izinga lokugqoka kwezingxenye futhi bacabange ukuthi i-UK ayibakhokheli ngaphezulu. Ngaphezu kwalokho, uma imoto ingaphezu kokulungiswa, khona-ke kulokhu akunakwenzeka ukuthi uthole inani eliphakeme kakhulu ezandleni zakho, ngoba i-UK ikholelwa ukuthi umnikazi ngeke ayilahle, kodwa uzoyithengisa ukuze uthole izingxenye ezisele. Ngakho-ke, inkampani yomshwalense izokweqa izindleko zezingxenye ezizothengiswa, futhi ngaleyo ndlela ikhokhe kancane kunalokho okufanele.
Ukuhlolwa kabusha okuzimele
Ukuba ezandleni zakho isenzo somcimbi oqinisekisiwe, ukubala kanye nombono wochwepheshe, uzoxhumana nenhlangano yochwepheshe ezimele. Inketho engcono kakhulu ukuthi uchwepheshe uzokwazi ukuhlola wonke umonakalo empilweni yangempela, hhayi ezithombeni noma kumarisidi.
Abashayeli bezimoto abavame ukungena ezingozini ngokushesha ababizi nje kuphela i-ejenti yomshuwalense, kodwa futhi uchwepheshe ozimele endaweni yengozi, ngoba bayazi ukuthi ezimweni eziningi izinkampani zomshuwalense azikhokhi inani eligcwele le-OSAGO.
Uchwepheshe ozimele uzohlola izibalo ngesimo sangempela sezindaba futhi enze isinqumo sakhe, esizoqinisekisa ukufaneleka kwezibalo zochwepheshe base-UK, noma aziphikise. Uchwepheshe ozimele uzophinde acabangele ukuguga kwezingxenye futhi akunikeze isiphetho esifanele kakhulu.
Sicela uqaphele ukuthi ama-bureau kuphela anawo wonke amalayisense adingekayo kanye nezimvume ezingabamba iqhaza emisebenzini enjalo. Bacele ukuthi bakunikeze, noma ubuze abangani bakho ukuthi baphendukela kubani ezimeni ezinjalo.
Kunamanye amaphuzu abalulekile:
- udinga ukwazisa i-UK mayelana nendawo futhi uphinde uhlole;
- uma imoto ingekho ngaphezu kweminyaka emi-5, ngenxa yokulungiswa kwayo, inani layo lizokwehla kakhulu. Ukulahleka kwenani lempahla kufanele futhi kufakwe enanini lesinxephezelo.
Gcina amadokhumenti okukhokha enkokhelo yezinsizakalo zehhovisi lochwepheshe. Kuzodingeka ubuyisele le mali.
Isimangalo sangaphambi kwecala kanye nokuqulwa kwecala
Isimangalo sangaphambi kokuqulwa kwecala sifakwe e-UK.
Imodelwa kanje:
- obhalelwayo abaphathi base-UK;
- isizathu sokwedluliswa kwesinqumo ukungakhokhwa kwenani elidingekayo;
- umphumela - khombisa inani olilindele.
Kuyadingeka futhi ukunamathisela amakhophi awo wonke amadokhumenti: ipasipoti, i-STS, i-PTS, inqubomgomo ye-OSAGO, amasheke avela esiteshini sesevisi kanye ne-bureau yochwepheshe, imiphumela yokuhlolwa kabusha. I-IC ibophekile ukuthi icabangele isikhalazo sakho futhi yenze isinqumo zingakapheli izinsuku eziyi-10.
Ngokunjalo, uma ungekho umphumela ovuna wena, kusasele ukuya enkantolo. Ngesikhathi esifanayo, ungafaka izikhalazo kwa-RSA kanye ne-FSIS. Lezi zinhlangano ngeke zikusize ukuxazulula ingxabano, kodwa isithunzi sase-UK sizolimala.
Icala liphinde lifakwe ngokuya ngemodeli. Kutuswa ukuqasha ummeli wezimoto osebenza kahle. Ungabuza umbuzo wakho kochwepheshe mahhala kuwebhusayithi yethu. Uma kwenzeka ilahleka, i-UK izophoqeleka ukuthi inxephezele inani langempela lomonakalo, futhi ikhokhe inhlawulo engu-50% yenani engazange bayikhokhe ngaphezu kwalokho ekuqaleni.
Iyalayisha...
