Inhlawulo yokushoda komshuwalense we-OSAGO 2016

Ukuze izinhlawulo zokushayela imoto ngaphandle komshwalense zingamangali umnikazi wemoto, kubalulekile ukucabangela icala ngalinye lesijeziso esinikezwa ngumthetho. "Izijeziso" zizuze ububanzi obubanzi - manje sezisebenza ezimweni eziningi. Uhlome ngolwazi, ukugcina umthetho kuzoba lula.

Ukugibela ngaphandle kwenqubomgomo ye-OSAGO 2016

Izizathu ezenza umnikazi wemoto angabi nayo ziningi. Kubandakanya isijeziso sihlinzekela icala lapho umnikazi wemoto ekhohlwe idokhumenti ekhaya. Umehluko wentengo wezinketho ezahlukene umi kanje:

• Ayihlinzeki ngefomu le-OSAGO - ukhohliwe, ulahlekile, ushiywe. Ngokwezimali, lesi sijeziso sizoba ngama-ruble angama-500. Kungase kubonakale sengathi inhlawulo engasho lutho, uma iqhathaniswa nedokhumenti eshiywe yisikhathi, kodwa uma "unenhlanhla" futhi imoto yakho iyiswa epensela, kuzodingeka uhambe.
• Ukushayela imoto ngesikhathi esingafakwanga kupholisi. Ngamanye amazwi, abashayeli abakhipha i-OSAGO isikhathi esingaphansi kwesikhathi esivamile sonyaka, kodwa ngesikhathi esifanayo basebenzisa imoto isikhathi eside, ingozi yokuhlawuliswa. Isijeziso - ruble 500. Ukwenza inqubomgomo "yesizini" kunenzuzo kubahlali basehlobo nabahola impesheni izimoto zabo ezingasebenzi emagaraji ebusika.
• Umshayeli ongafakiwe kunqubomgomo ye-OSAGO. Izimo uma imoto ishayelwa yilungu lomndeni elingacaciswanga kumgomo ngenhloso yomnotho akuvamile. Ngakho-ke, umnikazi kufanele alungiselele iqiniso lokuthi inhlawulo kuleli cala izoba ngama-ruble angama-500. Ingozi lapho umuntu ongacaciswanga kumshwalense kuvela ukuthi ungumgebengu noma isisulu kubhekwa njengokuvuna lowo othobela izibopho. Isiphetho siwukuthi ukonga akuhambisani nobungozi.
• Inqubomgomo ye-OSAGO ephelelwe yisikhathi. Ngokuvamile, esimweni esinjalo, akuyona inhloso embi ehilelekile, kodwa ukuphazamiseka komnikazi wemoto. Noma kunjalo, ukukhohlwa kuzodlala naye ihlaya elinonya - inhlawulo yama-ruble angu-800.
• Ukuntuleka kwenqubomgomo ye-OSAGO ngokomthetho - umshayeli akayifaki umshwalense wemoto ngemuva kokuthengwa kwayo noma akawuvuseleli ngokuhlelekile inqubomgomo ekhona, kuzobandakanya imiphumela efanayo.

Ngakho-ke, uma izinto ezifakwe ohlwini seziye zaba yinto evamile kumnikazi wezokuthutha, kunesizathu sokucabanga - akuyona yini inzuzo yokuthenga inqubomgomo kunokukhokha izinhlawulo zohambo olungaqinisekisiwe? Emadolobheni amakhulu, lapho amaphoyisa omgwaqo esebenza khona ubusuku nemini, akuvamile ukungqubuzana nawo.

Ungayithola kanjani inqubomgomo ye-OSAGO

Namuhla, inqubo yokutholwa yenziwe lula ngangokunokwenzeka - kunoma iyiphi inkampani yomshuwalense, imibhalo efanayo iyadingeka. Inani lenqubomgomo licishe lifane futhi liyahlukahluka kuye ngokuthi yini efakwe ohlwini lwezinsizakalo ezinikezwayo - isibonelo, abameleli bavame ukuzama ukufaka kuyo usongo empilweni yomnikazi wemoto. Ukubala okulungile nokunembile kwezindleko kungabalwa ngokuzimela. Amadokhumenti adingekayo:

• Isitatimende. Ifomu ngokuvamile linikezwa inkampani ngokwayo.
• Umazisi - ipasipoti noma ilayisense yokushayela.
• Isitifiketi sokubhaliswa kwemoto. Endabeni yokuthenga imoto entsha, isihloko sinikezwa.
• Isitifiketi sokuhlolwa, esisebenza ngesikhathi sokuphothulwa kwenkontileka nenkampani yomshuwalense. Izimoto ezintsha ezinempilo yesevisi engaphansi kweminyaka emithathu - idokhumenti ayidingeki.

Inqubo yokubhalisa ivamise ukuthatha amaminithi ambalwa. Kungenzeka ukufaka isicelo ku-inthanethi, noma kunjalo, akubona bonke abahlinzeki bomshuwalense abasebenza ukuvula inqubomgomo ye-OSAGO abasebenzisa lo msebenzi - kufanele uqale uthintane. Ngaphezu komgomo ngokwawo, umshayeli uthola amafomu okuhlanganisa imibiko yezingozi.

Nakani! Inkokhelo enkulu yokulungisa ingama-ruble ayizinkulungwane ezingama-400. Ukubuyisela izimoto ezibizayo, inani elinjalo lingase linganele. Ngakho-ke, kufanelekile ukuthenga inqubomgomo ye-DSAGO, eye yandisa amakhono ayo - kufika kuma-ruble ayizigidi ezingu-1 zokukhokha. Izindleko zedokhumenti ziphansi kuneziyinhloko - kusuka kuma-ruble angu-200.

Izimoto ezingenayo inqubomgomo ye-OSAGO

Kukhona eyodwa! Nokho, akufanele ujabule ngokuthi “ihhashi” lakho siqu lifakiwe ohlwini. Ezokuthutha eziqhutshwa ngaphandle komshwalense zicacile:

• Amabhayisikili, ama-scooters. Ijubane lokuhamba kwemoto alikho ngaphezu kwe-20 km / h.
• Izimoto zamasosha.
• Izimoto ezinenqubomgomo yomshwalense wangaphandle.
• Ama-trailer.

Ngakho-ke, isiphetho siwumshuwalense, indlela kuphela uma kwenzeka ingozi yokuba nemali yokulungisa imoto yakho. Uma kungenjalo, ungahamba uphule hhayi kuphela kuyo, kodwa futhi ngokukhokha izinhlawulo ezivamile.