Kungani Akufanele Uthengise Imoto Yakho Ngemva Kweminyaka Emithathu
Iningi labanikazi bezimoto ezifuywayo banesiqiniseko sokuthi kudingekile ukudayisa imoto eyake yathengwa entsha eminyakeni emithathu. Nokho, ukuvumelana okunjalo akufakazeli neze iqiniso elingenakuphikwa lombono onjalo. Kukhona futhi izimpikiswano eziphikisana nayo.
Ivelaphi le nombolo yomlingo "ezintathu"? Kulula kakhulu - iningi labakhiqizi bezimoto banikeza iwaranti yeminyaka emithathu ezimotweni zabo. Futhi njengoba wonke umuntu uyazi ukuthi imoto manje yenziwe ilahlwa, futhi iphuka ngokushesha ngemva kokuphela kwesikhathi sewaranti, khona-ke udinga ukuhlukana nayo khona lapho ngaphandle kokuzisola, ukuze ungakhokhi imali eyimali enzima yokulungisa unomphela.
Kuyafaneleka ukubalula iphuzu elilodwa elibalulekile. Abanikazi bezimoto baseRussia bangahlukaniswa ngokwemibandela ngezigaba ezintathu: abacebile, abampofu nababumbi. Ngokwemvelo, abameleli bawo womathathu amaqembu banezimo zengqondo ezihlukene mayelana nemoto. Abacebile banezinselele zabo, futhi abacabangi abaqhutshwa ukucabanga okunengqondo - umsebenzi wabo ukubonakala becebile futhi bephumelele. Yilezi zigaba ezimbili ezibeka umbono womphakathi, nakuba iningi eRussia lingebona abantu abacebile. Sizobhekana nezinkinga zalezi zakamuva.
Izibalo ziwuphikisa ngokuphelele umbono okhona wokuthi iningi lilahla imoto yalo ngemva kweminyaka emithathu lisebenza. Zihlulele wena - kusukela ngoJulayi 1 kulo nyaka, isilinganiso seminyaka yezimoto zabagibeli eRussia yiminyaka engu-12,5. Ngaphezu kwalokho, yonke imoto yesithathu indala kuneminyaka engu-15! Isikhathi eside kangaka sobunikazi, yiqiniso, asibonisi impilo enhle. Kodwa lokhu kuyiqiniso elingamukeleki neze kubakhiqizi bezimoto, abadayisi abasemthethweni, amabhange nezinkampani zomshwalense, umsebenzi wabo uwukuphoqa ukuthi bathenge imikhiqizo yabo ngamanani amakhulu ngangokunokwenzeka futhi bayishintshe kaningi ngangokunokwenzeka.
Ngakho-ke, uma ungenaso isifiso sokusebenzela iphakethe labo, noma ukugxuma kanye nokushintsha imfashini, yima futhi ucabange ukuthi yiziphi izizathu eziqondile onazo zokudayisa imoto endala futhi uthenge entsha.
Uma imoto emva kweminyaka emithathu ingahlukani, ayidingi ukulungiswa okuncane njalo - ungamangali, lokhu kwenzeka kaningi - khona-ke siyini isidingo sokuyiqeda ngokushesha? Asikho isidingo sokukukhumbuza: uma uyiphatha ngokucophelela nangokucophelela ngesikhathi sewaranti, kungenzeka ukuthi izokubuyisela ngenkonzo yokwethembeka ngisho nangemva kokuphela kwesikhathi sewaranti. Yebo, ngisho noma imoto idinga ukulungiswa, khona-ke kufanelekile ukuhlola lokho okuzobiza kakhulu - izinsizakalo zesevisi yemoto noma ukuthengisa imoto endala ngokulahlekelwa okungenakugwemeka kwentengo nokuthenga entsha, okubiza kakhulu.
Abanikazi abaningi bezimoto ezisetshenzisiwe abawafaki umshwalense nge-CASCO ebizayo, bazikhawulela ku-OSAGO edingekayo. Ngemoto entsha, njengomthetho, i-feint enjalo ayisebenzi, okuphoqa umnikazi ukuthi akhulule inani elikhulu kubashwalensi njalo ngonyaka. Lokhu futhi kuyingxabano evuna ukushintshwa kwemoto kamuva. Uma umndeni wakho noma isimo senhlalo singakashintshi, sidinga ngokushesha imodeli ebanzi noma ehlonishwayo, asikho isidingo sokuzihlupha ngokuthenga nokudayisa.
Ngokuqondene nokwehliswa kwentengo yokuthengisa, khona-ke wonke umuntu ukhululekile ukubala ukulahlekelwa kwabo ngendlela elula kakhulu kuye. Kodwa-ke, kufanele sikhumbule ukuthi ukulahlekelwa okuyinhloko kwenani kwenzeka ngesikhathi sokuhamba kwemoto entsha enkampanini yezimoto, okuthi ngeyodwa iwa swoop iphendule ibe esetshenzisiwe. Futhi "uhlelo lweminyaka emithathu" lokuqala oluzwela kakhulu esikhwameni - intengo imoto elungele ukuthathwa ngayo emakethe yesibili iyancipha ngo-10-15% ngonyaka, kuye ngokuthi umkhiqizo kanye nenani lokuqala. . Khona-ke ukwehla kwenani kwehla ngokuphawulekayo.
Yiqiniso, uma ungasithandi isilwane sakho, awukwazi ukunyathela noma kuphi - udinga ukusishintsha. Kodwa, kunoma yikuphi, akufanele uvumele inkulumo-ze engalawuliwe yabakhiqizi, nge-hook noma nge-crook ekuhudulela ezitolo zezimoto. Kungcono ukwenza isinqumo ngekhanda elihlakaniphile, ucabangela zonke izici zezezimali nezansuku zonke.
