Yini okufanele uyenze uma kwenzeka ingozi uma ungenalo iphutha? Umshwalense: awukho/uphelelwe yisikhathi
I-OSAGO wuhlobo olukhethekile lomshwalense lapho inkampani yomshwalense yomuntu owenze ingozi ikhokha khona umonakalo komunye umuntu. Umlandu ngokwakhe akatholi noma yiziphi izinkokhelo ze-OSAGO. Umshwalense ngamunye ufika nememo echaza kabanzi ukuthi yini okumele yenziwe futhi kanjani uma kwenzeka ingozi.
Kuyafaneleka ukukhumbula ukuthi ngoMeyi 2017, ezinye izichibiyelo zenziwa emthethweni womshwalense wesikweletu sezimoto oyimpoqo. Ushintsho olubaluleke kakhulu: ku-IC, akukhona ukukhokhwa kwesinxephezelo okuba kuqala, kodwa inkokhelo yokulungisa eziteshini zesevisi zozakwethu.
Izinkokhelo zingenzeka ezimeni ezilandelayo:
- ukungenakwenzeka kokubuyisela imoto;
- umonakalo ongaphezu kwezinkulungwane ezingama-400;
- Ingozi ibhaliswe ngokusho kwe-Europrotocol, inani lomonakalo lingaphansi kwezinkulungwane ze-100, kanti izindleko zangempela zokulungiswa zingaphezu kwalesi samba, futhi umenzi wenqaba wenqaba noma akakwazi ukumboza umehluko;
- kulimale okungezona izimoto kule ngozi;
- umonakalo ukhokhelwa yiGreen Card noma ezinye izinqubomgomo zomshwalense ezamukelwa emhlabeni wonke.
Kukhona ezinye izinguquko: ungakhetha isiteshi sesevisi ngokubona kwakho, inhlawulo uma kulungiswa isikhathi eside (ethathwe kumshwalense), ukungavumelani nekhwalithi yokulungiswa, ukubuyiselwa kwezindleko zokuphuma, icala elihlehlisayo elibhekene nomgebengu wengozi. (uma ebeshayela ephuzile noma ephule imithetho yomgwaqo ngamabomu nokunye).
Lezi zichibiyelo zisebenza kuzo zonke izinqubomgomo ze-OSAGO ezikhishwe ngemva komhla zingama-28.04.2017/XNUMX/XNUMX. Okusho ukuthi, udinga ukucabangela ukuthi akunakwenzeka ukuthi ukwazi ukuthola isinxephezelo semali, imoto izolungiswa ngezinsizakalo zemoto yozakwethu (Ingosi ye-vodi.su idonsela ukunaka kwakho eqinisweni lokuthi ikhwalithi yesevisi nokulungisa ku- azihlali zisezingeni eliphezulu).
Izenzo uma kwenzeka ingozi
Kungakhathaliseki ukuthi ungumlandu noma isisulu - futhi ngokuvamile kungenzeka ukuthola ngemva kokuhlolwa okuzimele kanye nokumangalelwa isikhathi eside - udinga ukwenza ngokuvumelana ne-algorithm echazwe ngokuningiliziwe emithethweni yomgwaqo:
- yima ngokushesha, vula i-alamu, setha uphawu oluphuthumayo;
- hlinzeka ngosizo kuzisulu kokubili emotweni yakho kanye nasemotweni yomhlanganyeli engozini;
- shayela amaphoyisa omgwaqo bese ushayela ngokushesha inombolo ekhonjiswe ku-OSAGO;
- ngaphambi kokufika kwabahloli bamaphoyisa omgwaqo, ungathinti lutho, uma kungenzeka ulungise umonakalo, imfucumfucu emgwaqeni, i-brake track.
Khumbula ukuthi uma umonakalo mncane, ungakwazi ukudweba i-Europrotocol endaweni ngaphandle kokubandakanya amaphoyisa omgwaqo.
Umhloli ofikile uyaqhubeka nokubhaliswa kwengozi yomgwaqo. Kufanele akhiphe kubo bobabili abashayeli:
- ikhophi yephrothokholi;
- isitifiketi No. 154, thina ngaphambilini wakhuluma ngakho on Vodi.su;
- isinqumo ngecala noma ukwenqaba ukuqalisa icala lokuphatha (uma bekungekho ukwephulwa komgwaqo).
Abashayeli kufanele bagcwalise isaziso sengozi khona lapho uma umenzi wobubi evuma icala lakhe. Isaziso sigcwaliswa ngokwethempulethi, kumele sibe nayo yonke imininingwane yomuntu, kanye nolwazi olumayelana nemoto kanye nenkampani yomshuwalense. Uma kwenzeka kunokungaboni ngaso linye ngembangela yengozi, icala lizocutshungulwa enkantolo ngokubandakanyeka kommeli wezimoto, ummeli kanye, mhlawumbe nochwepheshe ozimele ogunyaziwe.
I-algorithm yezenzo ngemuva kwengozi
Ngemva kokuhlaziya ingozi, onecala kudingeka acabange ukuthi angayitholaphi imali yokulungisa imoto yakhe. Izisulu ziphendukela e-UK. Ngokomthetho, kuze kube yizinsuku ezingu-15 zabelwe ukugcwalisa isicelo, kodwa ngokushesha ubhala isicelo, ngokushesha ukulungiswa kuzokhokhwa.
Nakani!
- isaziso esisemthethweni ku-IC - kwenziwa ngomlomo zingakapheli izinsuku ezinhlanu (umphathi uvula icala lomshwalense futhi akutshele inombolo yalo, usho ngokuningiliziwe ngokwenzekile bese ukhuluma ngomoni, i-IC yakhe kanye nenombolo yomshwalense);
- Isicelo sesinxephezelo - sithunyelwe ngokubhaliwe ezinsukwini zokusebenza eziyi-15 ngemuva kwesigameko.
Amadokhumenti alandelayo kufanele ahanjiswe enkampanini yomshuwalense:
- ikhophi yephrothokholi kanye nekhophi yesitifiketi inombolo 154, isaziso ngengozi;
- imibhalo yezimoto - STS, PTS, OSAGO;
- ipasipoti yomuntu siqu;
- amasheke namarisidi uma kunezindleko ezengeziwe, njengezinkonzo zokudonsa noma indawo yokupaka ekhethekile.
Kunconywa ukuthi ungaqhubeki nokulungisa ngaphambi kokufaka isicelo, njengoba uchwepheshe wabasebenzi uzohlola futhi athole inani lomonakalo. Ngemuva kokufaka isicelo, inkampani yomshwalense inezinsuku ezingama-30 ngaphansi komthetho ukwenza isinqumo. Ungakhohlwa ukunikeza inombolo yekhadi lokukhokha uma izinkokhelo zisakhokhwa, ngaphandle kwalokho uzothola isaziso mayelana nokutholwa kwemali ngokuqondile ngedeski lemali ebhange likazakwethu wakwa-SK.
Ngokomthetho, izinkokhelo zenziwa zingakapheli izinsuku ezingama-90. Kodwa-ke, ngokwezichibiyelo ezintsha, ukulungiswa kufanele kwenziwe zingakapheli izinsuku ezingama-30. Uma icala lidonsa, kufanele ubhalele inkampani isimangalo, kodwa uma ingaphenduli kuyo, kusasele ukuya enkantolo.
Futhi elinye iphuzu elibalulekile - Okufanele ukwenze uma isigebengu singenayo i-OSAGO?
Kulokhu, kuzodingeka ufune izinkokhelo enkantolo kulowo onecala ngokwakhe. Uma isisulu singenayo i-OSAGO, khona-ke uzothola inkokhelo, ngoba ukungabikho kwenqubomgomo yomshuwalense akumncishi ilungelo lokunxeshezelwa. Kuzodingeka uthinte i-IC yesigebengu. Yiqiniso, ngokufanayo, inhlawulo ingakhishwa ngokushayela ngaphandle komshuwalense.
Iyalayisha...
