Ingabe umshwalense we-OSAGO ukhokhelwa umuntu owenze ingozi?
Abashayeli abasanda kuthola ilayisense noma abangakaze babe sengozini banesithakazelo ngokwemvelo embuzweni othi: ingabe bangalindela ukuthola isinxephezelo uma betholakala benecala lengozi?
Umthetho "ku-OSAGO" usho ngokucacile ukuthi izinkokhelo zinikezwa kuphela umuntu olimele. Isigebengu kuzomele silungise umonakalo odalekile emotweni nempilo yakhe ngezindleko zakhe. Kodwa-ke, ezimweni eziningi, umhlukumezi wengozi angabonakala kuphela ngaphansi kwemibandela, ngoba ngokuvamile kwenzeka ukuthi iphutha labo bobabili abashayeli licishe lifane. Ungakhumbula futhi ingozi lapho kulimale khona izimoto eziningana ngesikhathi esisodwa, futhi umshayeli ngamunye unengxenye yecala ngokwenzekile.
Izinkokhelo ze-OSAGO: izimo
Kunezibonelo eziningi lapho kunzima ukufakazela ukuthi umuntu unecala elingu-100%:
- umshayeli wabhuleka kakhulu ngenxa yomfana wesikole noma ohola impesheni owaphuma emgwaqeni, washayiswa enye imoto ngemuva;
- ngenxa yobudedengu bezinsiza zomphakathi, izimpawu zomgwaqo zafakwa ngendlela engafanele noma zafihlwa ngamagatsha ezihlahla;
- ngenxa yesimo esibucayi somgwaqo kudingeke ukuthi ingene emzileni ozayo.
Umuntu angacabanga futhi isimo esinjalo lapho omunye wabashayeli ezimpambanweni zomgwaqo ezingenalutho enquma ukudlula ebomvu, futhi ngaleso sikhathi imoto yandizela kuye, ishayela endaweni eluhlaza egunyaziwe, kodwa ngesivinini esingaphezu kwalokho okuvunyelwe. 60km/h. Kuvele ukuthi bobabili abashayeli banephutha.
Hhayi-ke, noma isibonelo esilula: umshayeli olimele engozini ukhohlwe imibhalo yakhe ekhaya - lokhu futhi kuwukwephulwa kwemithetho yomgwaqo. Siphinde sikukhumbuze ukuthi ngenxa yokungabikho kophawu "Ш" efasiteleni elingemuva, ungase utholakale unecala, njengoba abashayeli abahamba ngemuva abakwazi ukubala ngokunembile ibanga lokubhuleka eqhweni.
Iphutha elihlanganyelwe engozini
"Oboyudka" - awukho umqondo onjalo ku-Code of Administrative Offences. Kungenzeka ukuhlukanisa ngokwemibandela zonke izingozi ngokwesimo sokwenzeka kwazo zibe ngamaqembu alandelayo:
- ngokusobala oyedwa kuphela onecala kulesi sigameko;
- akunakwenzeka ukusungula iqembu elinecala - ku-protocol, abahloli bamaphoyisa omgwaqo bazobhala ukuthi akunakwenzeka ukufinyelela isivumelwano ngenxa yolwazi oluphikisanayo olunikezwa abanikazi bezimoto;
- bobabili abashayeli ngokwezinga elithile banecala engozini;
- Ingozi yenzeke ngokuhlanganyela kweqembu elilodwa kuphela, isibonelo, imoto yawela esigxotsheni.
Esimweni sokuqala, umenzi wobubi akanakuthembela kunoma yisiphi isinxephezelo. Kuzo zonke ezinye ezintathu, izinkampani zomshwalense zizokhipha icala futhi zenqabe ukukhokha, ngakho-ke ukumangalelwa okude kukulindile.
Uma bobabili abashayeli belivuma icala ngokwenzekile, ngokomthetho, mancane amathuba okuthi bathole isinxephezelo. Kodwa-ke, njengoba izimo ezinjalo zivela ngaso sonke isikhathi, abadayisi bomshwalense balandela indlela yokumelana okuncane. Esimweni esihle kakhulu, izinkampani zomshuwalense zihlukanisa umonakalo ngesigamu, kodwa hhayi ngaphezu kwama-ruble ayizinkulungwane ezingu-400, phakathi kokubili abahlanganyeli engozini. Okusho ukuthi, uma ukulungiswa kwemoto eyodwa kubiza izinkulungwane ezingama-50, kanti eyesibili - izinkulungwane ezingama-60, eyokuqala izothola izinkulungwane ezingama-25, kanti eyesibili - 30.
Esimweni esibi kakhulu, ingosi ye-vodi.su ikhumbula ukuthi i-UK imane yenqaba noma yiziphi izinkokhelo, ihumusha lokhu njengento engenakwenzeka yokuhlonza umenzi wecala. Noma banesinye isizathu: ayikho indlela yokuthola izinga lecala lomshayeli ngamunye. Eqinisweni, kungenzeka ukufeza iqiniso, kodwa kulokhu kuzodingeka ukubandakanya abameli bezimoto abanolwazi kanye nochwepheshe ukuze bacacise isimo.
Ungazithola kanjani izinkokhelo ngaphansi kwe-OSAGO kumgebengu wengozi?
Uma kwenzeka ukuthi uqashelwe njengecala, wena ngokwakho awuvumelani nesinqumo esinjalo, udinga ukwenza ngokuvumelana ne-algorithm elandelayo:
- faka isikhalazo phakathi kwezinsuku eziyishumi ngemuva kokuqulwa kwecala;
- oda ukuhlolwa komkhondo kanye nokuhlolwa komonakalo;
- namathisela kuhlelo lokusebenza wonke amanye amadokhumenti atholakalayo (esike sakhuluma ngawo kuVodi.su);
- amavidiyo kanye namafayela alalelwayo avela endaweni azoba yinto enhle kakhulu.
Isinqumo senkantolo sizovuna wena uma umbono wakho ufanelekile. Kodwa-ke, ungakhohlwa ukuthi kunenani lemingcele lapho kukhona khona izinkokhelo ezinganikezwanga, isibonelo, ukwenza ukwephulwa kwethrafikhi ngenkathi udakiwe, ungenayo inqubomgomo ye-OSAGO, noma udala umonakalo ngamabomu kubantu besithathu. Ungakhohlwa futhi ukuthi kanye nenqubomgomo ye-OSAGO, ungathatha umshwalense ngaphansi kwe-DSAGO, lapho inani eliphakeme lokukhokha lingafinyelela hhayi izinkulungwane ezingama-400, kodwa ama-ruble ayisigidi.
Iyalayisha...
