Umshwalense akahambisani nomthetho. Okufanele ngikwenze?
Uma umshwalense ethatha kancane isinxephezelo sethu se-OSAGO noma umshwalense wezimoto noma wenqaba ukukhokha, singafaka isikhalazo, futhi uma lokhu kungasizi, khononda ku-Financial Ombudsman.
Umshwalense wezimoto uvame ukuba ngumthombo wengxabano phakathi kwamakhasimende nezinkampani zomshwalense. Abantu abaningi, ababenganelisekile ngesinxephezelo nokuphathwa yizinkampani zomshwalense, baphendukela ku-ombudsman womshwalense. Muva nje, kuqale ukusebenza imithetho emisha yokufaka izikhalazo. Ngomhla ziyi-11 kuMfumfu wezi-2015, uMthetho “Okucatshangelwa Izikhalazo Zezinkampani Zemakethe Yezezimali kanye Nomxazululi Wezikhalazo Zezimali” waqala ukusebenza, futhi ngokwemibandela yokuxazulula izingxabano ngaphandle kwenkantolo, uMthetho uzoqala ukusebenza ngomhla ka-1 Januwari 2016. .
Okokuqala udinga ukubhala isikhalazo
Manje wonke umshwalense unesibopho sokwazisa iklayenti esigabeni sokuphetha inkontileka mayelana nenqubo esebenzayo yokufaka isikhalazo. Umuntu olimele ofuna umonakalo ngaphansi komshwalense wesikweletu senkampani yangaphandle kufanele futhi athole ulwazi lokuthi usifaka kanjani isikhalazo.
Umshwalense unomnqamulajuqu wokucubungula isikhalazo nokuphendula kuso - lokhu kuyizinsuku ezingama-30, futhi ezimeni eziyinkimbinkimbi - izinsuku ezingama-60. Uma kwenzeka ukungathobeli lesi sikhathi, kubhekwa ukuthi isikhalazo sicatshangelwe ngokuvumelana nentando yekhasimende. Ngakho-ke, empeleni, uma sithola ukuthi, ngokwesibonelo, inkampani yehlise ngokungenangqondo ukumbozwa komshwalense wesikweletu somuntu wesithathu ngokusebenzisa ukuncishiswa kwenani, futhi sifaka isikhalazo ngale akhawunti, futhi inkampani yomshwalense ayikuboni lokhu ngokuhamba kwesikhathi, kuyodingeka usikhokhele inani esilicelile;
Bathi: U-Jan Urban uxuba no-Lech
Singase sifake isikhalazo ngokubhala, ngogesi, ngocingo noma mathupha. Lokhu singakwenza kunoma yisiphi isikhungo senkampani yomshwalense noma i-ejenti.
Umshwalense kufanele aphendule isimangalo ngokubhala. Noma yiliphi ifomu le-elekthronikhi elingenzeka livunyelwe kuphela ngesicelo sekhasimende.
Izikhalazo ku-Financial Ombudsman
Kuphela ngemva kokuba sesiyiqedile inqubo yesikhalazo kumshwalense lapho singafaka khona isikhalazo ku-Financial Ombudsman. Ungakwazi futhi ukufaka isicelo ku-Financial Ombudsman esimweni lapho inkampani yomshwalense ingaphendulanga isikhalazo phakathi nesikhathi esinqunyiwe noma ingazange ithathe izinyathelo ezibangelwa ukucutshungulwa kwesikhalazo ngokuhambisana nentando yekhasimende.
U-Ombudsman unomsebenzi wokuvikela izintshisekelo zamakhasimende omshwalense kanye nezisulu, futhi omunye wemisebenzi yakhe ukubhekana nezikhalazo. Ngesikhathi esifanayo, inamandla aqondile kakhulu maqondana nokusingatha izikhalazo zezinkampani zomshwalense. Okungukuthi, ingafaka izinhlawulo ezifika ku-100 XNUMX. zł uma engahambisani nezinhlinzeko zokusingatha izikhalazo.
Kusukela ngoJanuwari, kuzosebenza enye indlela entsha ebalulekile yamakhasimende omshwalense - izinkampani zomshwalense kuzodingeka zibambe iqhaza ekuxazululeni izingxabano ngaphandle kwenkantolo ngaphandle kokwehluleka.
Imithetho emisha izothuthukisa nakanjani isikhundla samakhasimende ezinkampani. Kufanele bazizwe, ikakhulukazi, izisulu eziqeda umonakalo ngaphansi kwe-OSAGO, ngoba kulapha lapho kuphakama izinkinga eziningi futhi yilawa macala avame ukuba yizikhalo eminyangweni nasezinkantolo.
