Indlela yokwenza isikimu sezingozi zomgwaqo ngokwakho? Ngaphandle kwamaphoyisa omgwaqo omshwalense

Uma uke wabandakanyeka engozini, ukuze uthole zonke izinkokhelo zomshwalense, kufanele wenze isikimu sezingozi. Ngokuvamile, abahloli bamaphoyisa omgwaqo bayabandakanyeka kulokhu. Kodwa-ke, maduzane eRussia kuye kwaba nokwenzeka ukuthola izinkokhelo ze-OSAGO zesinxephezelo ngokusho kwe-protocol yaseYurophu, okungukuthi, ngaphandle kokubandakanyeka kwamaphoyisa omgwaqo.

Njengoba nazi isibalo sezimoto emigwaqeni yethu silokhu sikhula njalo, kodwa izinga lokuqeqeshwa ezikoleni zokushayela lishiya kuningi okufisayo. Sesivele sibhale kuVodi.su ukuthi izindleko nemibandela yokuqeqeshwa ezikoleni zokushayela eRussia ziye zanda kakhulu kusukela ngo-2015 - mhlawumbe lokhu kuzosiza ukuthuthukisa isimo emigwaqweni.

Noma kunjalo, inani lezingozi, ezinkulu nezincane, liyadlula. Yingakho kwanqunywa ukuba kwethulwe umthetho olandelwayo waseYurophu, ukuze nalapha amaphoyisa omgwaqo angaphazamiseki uma kwenzeka ingozi encane.

Kukuziphi izimo lapho kuvunyelwe khona ukubhalisa ingozi ngokwesivumelwano saseYurophu ngaphandle kwamaphoyisa omgwaqo:

zashayisana izimoto ezingaphezu kwezimbili;
akukho ukulimala ngokomzimba okwenziwa kunoma ubani;
bobabili abahlanganyeli engozini banomgomo we-OSAGO;
abashayeli bafinyelele esivumelwaneni khona lapho.

Iphuzu elibalulekile: umthetho olandelwayo waseYurophu uzokwamukelwa njengombhalo osekelayo uma inani lomonakalo lingadluli ama-ruble ayizinkulungwane ezingu-50 ezifundeni zaseRussia noma izinkulungwane ze-400 eMoscow naseSt. Petersburg (leli lungiselelo laqala ukusebenza ngo-August 2014, futhi ngaphambi kwalokho inani akufanele lidlule izinkulungwane ezingama-25).

Nakuba, uma ufunda imithetho emisha ye-OSAGO, kuyacaca ukuthi awukwazi ukubala ku-50 noma i-400 ayizinkulungwane uma okungenani oyedwa wabahlanganyeli engozini enenqubomgomo ye-OSAGO ekhishwe ngaphambi kuka-Agasti 2014. Kulokhu, ungabala kuphela isinxephezelo esiyizinkulungwane ezingama-25.

Ingqikithi: uma ube nengozi, akekho owalimala ngokomzimba, inani lomonakalo alidluli izinkulungwane ezingama-25, 50 noma 400, futhi ukwazile ukuvumelana ngaso leso sikhathi, ungakhipha ingozi ngaphandle kwamaphoyisa omgwaqo.

Udweba isikimu sengozi uwedwa

Okokuqala, sicela uqaphele ukuthi umthetho olandelwayo waseYurophu (isaziso sengozi) asikwazi ukugcwaliswa ngama-blots noma izilungiso, ngakho bhala phansi yonke into bese uyidweba ephepheni elihlukile. Izithombe zingaxhunywa ku-Europrotocol, ngakho-ke bamba zonke izikhathi ezibalulekile usebenzisa noma yiziphi izinto ezitholakalayo zesithombe nevidiyo.

Indlela yokwenza isikimu sezingozi zomgwaqo ngokwakho? Ngaphandle kwamaphoyisa omgwaqo omshwalense

Ngemuva kwalokho, landela ngokuqinile amaphuzu we-protocol yaseYurophu:

qinisekisa ukuthi ifomu lombhalo livumelekile;
qoka izimoto - A no-B - ngayinye yazo inekholomu yayo (uhlangothi ngalunye lubonisa idatha yalo);
maka ngesiphambano zonke izinto ezifanele kukholamu ephakathi "Izimo";
dweba umdwebo wengozi - kunesikhala esanele kuphrothokholi yalokhu.

Uhlelo olujwayelekile lwezingozi zomgwaqo ludwetshwe kalula nje: ludinga ukukhombisa impambana-mgwaqo noma leyo ngxenye yomgwaqo lapho kwenzeke khona ingozi. Khombisa ngohlelo izimoto okwamanje ngemuva kwengozi, kanye nesiqondiso sokuhamba kwazo ngemicibisholo. Bonisa zonke izimpawu zomgwaqo, ungaphinda ucacise amarobhothi, izinombolo zezindlu namagama emigwaqo. Kuzo zombili izinhlangothi zenkundla yomdwebo wengozi kunezithombe ezihleliwe zezimoto lapho udinga ukukhombisa iphuzu lomthelela wokuqala.

Indlela yokwenza isikimu sezingozi zomgwaqo ngokwakho? Ngaphandle kwamaphoyisa omgwaqo omshwalense

Izinto ezisuka ku-14 kuya ku-17 kumele zigcwaliswe ngendlela efanayo, okuzoqinisekisa isivumelwano phakathi kwabahlanganyeli engozini.

Uhlangothi lwangaphambili luzikopisha, ngakho-ke kungcono ukugcwalisa ngepeni lebhola ukuze konke kukopishwe kahle. Akukhathaleki ukuthi kusetshenziswa ifomu likabani, njengoba umshayeli ngamunye ebhala imininingwane ngenkampani yakhe yomshwalense. Udinga futhi ukuchaza ngokucacile nangokuphelele umonakalo: i-bumper scratch, ukubola ku-fender yesokunxele, njalonjalo. Ukwengeza, gcwalisa ikholomu ephakathi ngokucophelela futhi umaka amabhokisi adingekayo: ungadideli ukuma endaweni yokupaka izimoto zokupaka. Umshayeli ngamunye ugcwalisa uhlangothi olungemuva lwedokhumenti ngokuzimela.

Ngemuva kokugcwalisa nokuvumelana ngokugcwele ngayo yonke imininingwane, udinga ukuxhumana nenkampani yomshuwalense phakathi nesikhathi esithile ngokuhambisana nezidingo zesivumelwano se-OSAGO. Abaphathi bazohlola imoto ukuze baqinisekise imininingwane eshiwo esazisweni futhi bathathe isinqumo ngezinkokhelo zomshwalense. Ngakho-ke, noma kunjalo, ungaqali ukulungisa imoto ngokwakho kuze kube yilapho kwenziwa isinqumo sokukhokha umshwalense.

Indlela yokwenza isikimu sezingozi zomgwaqo ngokwakho? Ngaphandle kwamaphoyisa omgwaqo omshwalense

Eqinisweni, akukho lutho oluyinkimbinkimbi ekugcwaliseni i-European Protocol, udinga nje ukuyigcwalisa ngokucophelela, ngaphandle kwama-blots, ngokubhala ngesandla okufundekayo nangolimi oluqondakalayo.

Kule vidiyo uzofunda ukuthi ungafaka kanjani ingozi ngaphandle kwamaphoyisa omgwaqo.

ukukhipha ingozi ngaphandle kwamaphoyisa omgwaqo