Ukutholwa komonakalo ovela kumgebenga wengozi ngaphandle kwenqubomgomo ye-OSAGO

Ukwethulwa kwe-OSAGO ngezinga elikhulu kwakhulula izisulu zezingozi zomgwaqo ebunzimeni obuhambisana nesinxephezelo sempahla yokulimala. Ngisho noma kufanele umangalele inkampani yomshuwalense mayelana nenani lomonakalo noma mayelana nokwephulwa kwenqubo yokukhokha, ngenxa yalokho, ngokuvamile izimali zizoqoqwa noma ukulungiswa kuzokwenziwa, futhi umnikazi wemoto owonakele uzothola izinto ezibonakalayo. isinxephezelo ngendlela yokuchithwa kanye nenhlawulo. Kodwa naphezu kwesibopho somshuwalense, ngezikhathi ezithile kuba nezingozi zezimoto nabanikazi bezimoto abangazange baqinisekise isikweletu sabo. Kunezimo ezivamile lapho ukungasebenzi komshwayilense kummangaza umnikazi wepholisi ngokwakhe.

Umhlanganyeli engozini ngaphandle komshuwalense we-OSAGO: izimbangela kanye nesibopho

Ngokusho kwe-website ye-State Statistics Committee, ekupheleni kuka-2016, izimoto ezingaphezu kwezigidi ezingu-45 zibhaliswe eRussia Federation. Ngokusho kwe-RIA Novosti mayelana ne-RSA, ngo-2017, abanikazi bezimoto abangaba yizigidi ezingu-6 abazange baqinisekise isikweletu sabo, futhi cishe isigidi esisodwa singabanikazi bezinqubomgomo zomgunyathi. Isabelo esiyinhloko sokwephulwa siwela kubanikazi bezimoto, ngoba abashayeli bamabhasi namaloli bangaphansi kokulawulwa okukhethekile hhayi kuphela emaphoyiseni omgwaqo, futhi akunakwenzeka ukuba babeke engozini ukusebenzisa idokhumenti eyinkohliso noma ukushayela ngaphandle kwe-OSAGO.

Ngokusho kwe-PCA, cishe abashayeli abayizigidi ezingu-7 bashayela ngaphandle kwesivumelwano se-OSAGO noma ngenqubomgomo mbumbulu.

Ngakho-ke, u-15,5% wabashayeli bezimoto abanawo umshwalense. Uma sicabanga ngokwemibandela ukuthi umsebenzisi womgwaqo ongenamshwalense uthola izingozi zezimoto ngokulingana nomuntu ofakwe kumshwalense, okungenzeka alinganayo angaba yisigebengu kanye nesisulu, sithola u-7-8% wezingozi ngenxa yephutha lomshayeli ngaphandle kwenqubomgomo. Ngisho noma, ngenxa yokucabangela, sinciphisa inani eliwumphumela izikhathi ezingu-2, amathuba okuwela esimweni esinjalo adlula kakhulu inani lephutha lezibalo, ngakho-ke lingokoqobo ngempela.

Izibopho zomshwalense zokukhokha isinxephezelo

Inhloso ye-OSAGO yizithakazelo zempahla ezihambisana nengozi yesibopho somphakathi somnikazi wemoto ngezibopho ezibangelwa ukulimaza impilo, impilo noma impahla yezisulu lapho usebenzisa imoto endaweni yeRussian Federation.

isigaba 1 se-Art. 6 Womthetho Wesifunda ka-April 25.04.2002, 40 No. XNUMX-FZ "Ku-OSAGO"

Uma kunenkontileka ye-OSAGO evumelekile, umshwalense, esikhundleni somuntu onecala, wenza inkokhelo kulezi zimo ezilandelayo:

• umonakalo udalekile emotweni;
• umonakalo udalwe empahleni etholakala emotweni yomuntu ohlukunyeziwe futhi engeyona ingxenye noma ingxenye yayo (umthwalo, izinto ezingezona ezejwayelekile, impahla yomuntu siqu yomshayeli nabagibeli, njll.);
• umonakalo wenziwa kwenye impahla (izakhiwo, izakhiwo, izinto ezihambayo, izinto zomuntu siqu zabahamba ngezinyawo, njll.);
• ukulimala kwabangelwa ukuphila nempilo yanoma yimuphi omunye umuntu (umshayeli wesibili, abagibeli, kuhlanganise nalabo ababesemotweni yesigebengu, abahamba ngezinyawo, njll.).

Okuningi mayelana nokuphothula inkontileka yomshwalense: https://bumper.guru/strahovanie/proverka-kbm-po-baze-rsa.html

Uma umshayeli enepholisi esebenzayo, kodwa engaboniswa njengomuntu ovunyelwe ukushayela, noma ingozi yenzeka ngaphandle kwesikhathi sokusetshenziswa kwemoto eshiwo kwinkontileka, inkampani yomshwalense izokhokha ngokujwayelekile. Ilungelo lomshwalense lokuqoqa kumuntu onecala isinxephezelo esikhokhiwe alizithinti izithakazelo zohlukunyeziwe.

Umshwalense uzokhokhela umonakalo kuphela uma kunenkontileka ye-OSAGO evumelekile

Izibopho zomshwalense ngaphansi kwenqubomgomo engavumelekile aziveli. Idokhumenti izobe ingavumelekile kulezi zimo ezilandelayo:

• isikhathi senkontileka sesiphelelwe yisikhathi;
• ipholisi ifojiwe;
• inqubomgomo ikhishwa ngefomu langempela, okuhlanganisa nophawu lwangempela nesiginesha, kodwa ifomu lisohlwini njengelebiwe noma elilahlekile;
• inqubomgomo ye-elekthronikhi ayikhishwanga kuwebhusayithi yomshwalense futhi ayiyona idokhumenti ye-elekthronikhi.

Ezimweni ezintathu zokugcina, umnikazi wemoto angase angasoli ukuthi inkontileka anayo ayisebenzi. Amacala okwebiwa kwamafomu kubadayisi bomshwalense awahlukanisiwe. Izinqubomgomo ezikhishwa kumafomu ebiwe zithengiswa ngaphansi kwesithunzi salawo asemthethweni. Kunezimo lapho abakhwabanisi bevula amawebhusayithi akopisha amawebhusayithi ezinkampani zomshwalense ezinkulu futhi baqoqe imali ku-akhawunti yabo noma i-e-wallet. Uphawu lokuqala lokuthengiswa komshwalense ongavumelekile yivelu yawo engananani eliphansi. Inqubomgomo evumelekile ye-OSAGO ayikwazi ukubiza kancane kuneyabanye abashwalensi. Abadayisi bomshwalense banikezwe ilungelo lokunquma intela phakathi kwebanga elibekwe yiBhange Elikhulu, kodwa empeleni kusetshenziswa amanani aphezulu. Azikho izaphulelo, amaphromoshini noma izipho lapho uthengisa i-OSAGO azamukelekile (izigaba 2.6–2.7 Zemithetho Yemisebenzi Yobungcweti Yokuphromothwa Kwamasevisi Emakethe Ye-OSAGO, egunyazwe ngokuthunyelwe kwe-Presidium ye-RAMI yangomhla zingama-31.08.2006 ku-Agasti, 3, p. No. XNUMX).

Kukhona futhi ama-acting agents angenanembeza athatha imali eqoqiwe atshela umshwalense ngokulahleka kwamafomu anikezwe wona. Lonke ulwazi olumayelana namafomu angavumelekile kufanele lufakwe kumawebhusayithi ezinkampani zomshwalense kanye ne-PCA. Lapho udweba isivumelwano se-OSAGO ngaphandle kwehhovisi lomshwalense, ne-ejenti engaziwa nakwezinye izimo ezifanayo, lapho isimo singenakwenzeka ukuqiniseka ngokuqinile ngokufaneleka kokuthengiselana, kufanele uhlole isimo saso esigabeni esifanele. kuwebhusayithi ye-PCA noma inkampani ethile ezinsukwini ezingu-2–3 ngemva kokuthola inqubomgomo. Isimo sefomu singabhekwa ngaphambi kokusayina inkontileka. Ulwazi mayelana nokungabi semthethweni kwefomu luzobonakala kuwebhusayithi ye-PCA, futhi amafomu ezebiwe noma alahlekile azofakwa ohlwini oluhambisanayo kuwebhusayithi yomshwalense.

Lapho uthenga inqubomgomo ye-OSAGO ezimeni ezingahleliwe, kufanele uhlole ukufaneleka kwayo kuwebhusayithi ye-PCA noma umshwalense.

Esimeni sokuqothuka komshwalensi noma ukuhoxiswa kwelayisensi yakhe, isibopho sokunxephezela umonakalo wezinto ezibonakalayo sidluliselwa ku-PCA. Ngomonakalo empilweni nempilo edalwe ngenxa yengozi, inyunyana izophinde ikhokhe isinxephezelo ezimeni lapho umthwalo womenzi wobubi ungazange ufakwe kumshuwalense noma wabaleka endaweni yesigameko futhi akazange asungulwe (I-Article 18 yoMthetho Federal ka-April 25.04.2002 , 40 No. XNUMX-FZ).

Ezimweni lapho inqubomgomo ye-OSAGO ingekho noma ingavumelekile, umonakalo kufanele unxeshezelwe umsunguli wawo ngendlela evamile enqunywe umthetho wezakhamuzi kulobo budlelwano. Akukho lutho oludabukisayo noma olungenakwenzeka ngalokhu. Umyalo onjalo wawukhona kokubili ezikhathini zaseSoviet naseRussia yanamuhla kuze kube ngu-2003. Kodwa ngenxa yokuthi phakathi neminyaka engu-15 ye-OSAGO, abanikazi bezimoto sebevele bebonakaliswe ubulula obuhlobene nokufinyeleleka kwenqubo yesinxephezelo somonakalo, imigomo yokukhokha engashintshi, ezimeni ezinecala elingaqinisekisiwe, umuntu kufanele akhumbule umkhuba wokunakekelwa kwangemuva.

Isibopho sokuntuleka komshwalense oyimpoqo

Ukwehluleka ukufeza isibopho somshwalense wesibopho somphakathi esiyimpoqo ngumnikazi wemoto, kanye nokushayela imoto, uma ngokusobala ungekho umshwalense, kwakha icala lokuphatha ngaphansi kweNgxenye 2 Yomthetho. 12.37 Ikhodi Yokuphatha ye-Russian Federation. Isijeziso kuzo zombili izimo siyafana - inhlawulo yama-ruble angama-800. Ukwazi izenzo zomnikazi wemoto kubalulekile ekusetshenzisweni kwezinyathelo zesibopho. Umshayeli kufanele aqaphele ukuthi isikweletu sakhe asiqinisekisiwe, futhi aqaphele ukungalungile kokuziphatha kwakhe kanye nemiphumela engase ibe khona. Uma kwenzeka kutholwa inqubomgomo ewumgunyathi ngobuqotho, isikweletu asibandakanyi, kodwa umnikazi wemoto kufanele afakazele ukuthi ubengazi futhi engakwazi ngalowo mbumbulu.

Ukushayela imoto ngomshayeli ongashiwongo kwinkontileka noma ngaphandle kwesikhathi esimisiwe sokushayela ngokuhambisana neNgxenye 1 yoBuciko. I-12.37 izobiza ama-ruble angu-500. Ukungabikho kwedokhumenti evela kumshayeli onomshwalense kuwukwephulwa kweNgxenye 2 ye-Art. 12.3 ye-Code of Administrative Offences ye-Russian Federation futhi inhlawulo yama-ruble angu-500. noma isexwayiso.

Ukushayela imoto ngaphandle kwesivumelwano se-OSAGO ngamabomu kuyicala lokuphatha lapho kukhokhiswa inhlawulo yama-ruble angama-800.

Isigaba sesi-2 se-Art. I-19 ye-Federal Law ka-December 10.12.1995, 196 No. 2014-FZ "Ezokuphepha Emgwaqeni" isungula ukuvinjelwa kokusebenza kwemoto ngumshayeli onesibopho sakhe esingenawo umshwalense ngaphansi kwesivumelwano se-OSAGO. Nokho, ngokungafani nezimo zokushayela udakiwe, isibonelo, azikho izindlela ezingokoqobo zokuphoqelela ukuvinjelwa. Kuze kube ngoNovemba XNUMX, ngaphandle kwenkontileka yomshwalense evumelekile, ipuleti lelayisense lasuswa emotweni, futhi umnikazi wemoto kwakudingeka akhiphe inqubomgomo kungakapheli amahora angu-XNUMX ngemva kwalokho. Manje isilinganiso esinjalo sokuphepha asisetshenziswa futhi ukuvinjelwa okukhona kuyamemezela.

Njengamanje, i-State Duma icubungula umthethosivivinywa No. 365162-7, ngokusho ukuthi kuhlelwe ukwenza inhlawulo eyodwa ngenani lama-ruble angu-5000. kokubili ngokwehluleka ukufeza isibopho somshwalense oyimpoqo, kanye nokushayela imoto ngomshayeli ongabhalisiwe noma ngaphandle kwesikhathi esimisiwe. Kusukela ngo-May 2018, okusalungiswa akukadluli ukufundwa kokuqala, kodwa iKomidi le-State Duma lezokuthutha kanye noKwakha eliqokwe ngu-co-executor linikeze isiphetho esibi. Ngokusho kweKomidi, ukwanda kobukhulu benhlawulo ngeke nje kukhuthaze abanikazi bezimoto ukuba baqinisekise isikweletu, kodwa futhi "kuzofaka isandla ekukhuthazeni okunamandla ekuthuthukiseni nasekuchumeni kwenkohlakalo emakethe ye-OSAGO."

Isiphetho sekomiti siyamangaza. Izishayamthetho azizange zizihluphe ngokufakazela isiphetho esixakile kanjalo. Inhlawulo ekhona ngama-ruble angama-800. (ama-ruble angu-400 wokukhokha ezinsukwini ezingu-20), ngokuphambene nalokho, ukhuthaza abanikazi bezimoto ukuthi bangaqedi isivumelwano. Ngisho noma phakathi nonyaka umshayeli onjalo ezohlawuliswa nyanga zonke, okuyinto engenakwenzeka, futhi akhokhe inhlawulo ngesikhathi esifushane, inani eliphelele ngeke lidlule iphrimiyamu yomshwalense okufanele uyikhokhe. Ukwenyuka kwenhlawulo enanini eliqhathaniswa nezindleko zenqubomgomo kuyisimo esinengqondo lapho kunenzuzo enkulu ukudweba inkontileka kunokukhokha inhlawulo izikhathi ezingu-2-3 ngonyaka. Ngayiphi indlela inkohlakalo ekhona emakethe ye-OSAGO futhi yiziphi izikhulu ezikhohlakele ezizofinyelela isiphetho ngenhlawulo ephakeme, ngokusobala, amalungu eKomidi kuphela azi. Uma kucatshangwa ukuthi abantu abanjalo bazoba ngamaphoyisa omgwaqo, khona-ke le ndaba ingaphezu komkhawulo womshuwalense wezimoto futhi ayikwazi ukubhekwa lapho kuxazululwa izinkinga zomshuwalense oyimpoqo. Kulokhu, kungaba okunengqondo ukukhansela isikweletu ngenxa yokuntuleka komshwalense kanye nanoma yikuphi okunye ukwephulwa.

Umhloli wamaphoyisa omgwaqo owafika endaweni yengozi, phakathi kwezenzo zokuqala, uhlola imibhalo yabahlanganyeli engozini, kuhlanganise nezinqubomgomo ze-OSAGO. Ukuhlola ukufaneleka kwenkontileka, abahloli bethrafikhi bahlinzekwa ngemishini yokuxhumana ephathwayo ebavumela ukuthi bathole ngokushesha ulwazi kusizindalwazi se-RSA noma kusizindalwazi somnyango. Ukungabikho noma ukungasebenzi komshwalense lapho uthintana namaphoyisa ukuze kubhaliswe ingozi yomgwaqo kuzotholakala kokubili maqondana nomenzi wobubi kanye nesisulu. Noma ngabe lolu daba luphuma ekunakeni kwamaphoyisa omgwaqo, akukho noyedwa umshwalense ozokhokha ngaphansi kwenqubomgomo engavumelekile.

Imiphumela yokungabi nayo inkontileka yomshwalense evumelekile

Ngaphezu kwezijeziso zokuphatha, umenzi wengozi yomgwaqo unesibopho somphakathi ngokugcwele ngomonakalo owenziwe. Ngaphezu kwalokho, isisulu ngeke siboshwe indlela yokunquma inani lomonakalo elisetshenziswe ekunqumeni inani lomonakalo, kanye nenqubo emisiwe yokukhokha isinxephezelo. Inani lomonakalo elinqunywe ngokuya Nge-Unified Methodology, eligunyaziwe. Ngomthethonqubo weBhange Elikhulu lango-September 19.09.2014, 432 No. 50-P, ibalwa kusukela kumanani amisiwe wezingxenye ezisele nezinto zokwakha, izindleko ezimaphakathi zehora elijwayelekile lomsebenzi. Isibalo sicabangela ukugqoka kuze kufike ku-XNUMX% wezindleko zangempela zezingxenye. Ngaphezu kwalokho, imithetho ye-OSAGO isho indlela yokukhokha enomusa, futhi uma kwenzeka isinxephezelo sokulimala ngumuntu onecala, isisulu ngokwaso singanquma inketho ekhethwayo yesinxephezelo - ukubuyisela imali noma ukuphoqelela ukulungisa.

Umgebengu ongaqinisekisiwe unecala eligcwele emphakathini ngomonakalo odalwe

Uma kwenzeka isinxephezelo sokulimala ngokuqondile ngumuntu onecala, umonakalo uzonqunywa ngokusekelwe kwezinye izindlela. Okungenani, inkantolo ngeke icabangele ukuguga kwezingxenye. Izindleko zokulungisa zizonqunywa izindleko zangempela ngaphandle kokucabangela izaphulelo abadayisi bomshwalensi abanazo ezivela kozakwethu. Ngenxa yalokho, inani langempela lomonakalo ozonxeshezelwa yisigebengu liphenduka libe likhulu kunalelo elibalwe yinkampani yomshwalense.

Ngokungeziwe emonakalweni ngokwawo, isigebengu singakhokhiswa izindleko ezengeziwe:

• ukwenza uhlolo oluzimele;
• elolini elidonsayo lisuka endaweni yengozi liye endaweni yokugcina imoto, esiteshini sesevisi, uma imoto ingakwazi ukuhamba;
• izindleko zokupaka, uma imoto kufanele ipakwe endaweni yokupaka egadiwe ngemva kwengozi ukuze kugwenywe umonakalo owengeziwe (isibonelo, isisulu asinalo igaraji futhi imoto ngokuvamile ipakwe egcekeni);
• iposi (lokuthumela ama-telegrams mayelana nokuhlolwa, njll.);
• ezinye izindleko ezihlobene nengozi.

Isinxephezelo somonakalo ongewona we-pecuniary kuzoba ukubuyisela okuthile kumgebengu wengozi. Uma kungabikho ukulimala komzimba, inani lesinxephezelo sokulimala kokuziphatha liyoba lincane - lingabi ngaphezu kwama-ruble angu-1000-2000. Ngakho-ke, izisulu ngokuvamile azihluphi ngokufaka izicelo ezinjalo kumshayeli uma inkokhelo yenziwa umshwalense. Lapho kutholwa isinxephezelo somshwalense kumshwalense enkantolo, izicelo zesinxephezelo sokonakala kokuziphatha zenziwa kanyekanye. Kodwa kulokhu, ukulimala kokuziphatha kubangelwa izenzo ezingekho emthethweni zenkampani yomshuwalense, ezivezwe ekubambezelekeni kokukhokha noma ukwenqaba. Isigebengu sibangela ukulimala kokuziphatha kulowo ohlukunyeziwe mayelana nokuhlangenwe nakho nokuhlupheka okubangelwa ingozi nokulimala kwemoto. Uma kwenzeka ukululama ngokomthetho komonakalo wezinto ezibonakalayo kumgebengu, isinxephezelo sokulimala kokuziphatha nakho "kuzonamathiselwa".

Umlandu uzophinde abe nesibopho sokukhokha inzalo yokukhokha sekwephuzile uma isinxephezelo somonakalo singenziwa ngesikhathi, izindleko zenkantolo kanye nokuphoqelela uma kwenzeka kuphoqelelwa, njll. Ngaphezu kwengxenye yezinto ezibonakalayo, abahlanganyeli kulesi sigameko bazophoqwa. ukuxoxisana, yemukela ukuvumelana okuthile. Ebukhoneni besivumelwano se-OSAGO, izinhlangothi azinazo izimangalo zezimali ezifanayo (uma inani lomonakalo lingeqi inani elinikezwe umshwalense) futhi, ngokombono wezezimali, awanandaba nesimo sengqondo somunye nomunye ngemiphumela kwenzeka - umenzi wecala akanandaba nokuthi udale umonakalo muni, futhi isisulu asinandaba nalokho esikucabangayo mayelana nenani lomonakalo owenzekile. Kodwa lapho isibopho sokunxephezela umonakalo sibekwe kumgebengu, izithakazelo zamaqembu ziba ngokuphambene ngokuqondile. Umgilwa ufuna ukunciphisa inani lomonakalo kanye necala lakhe uma kwenzeka, isisulu sihlose ukubuyisela zonke izindleko ezenziwe.

Ukungabikho kwenqubomgomo ye-OSAGO yesisulu kuhlanganisa umphumela owodwa kuphela omubi kulowo onecala - ukungakwazi ukukhipha ingozi ngaphandle kokubamba iqhaza kwamaphoyisa omgwaqo ezimeni lapho lokhu kuhlinzekwe yimithetho ye-OSAGO:

• inani lomonakalo alidluli umkhawulo omisiwe - kusuka ku-01.06.2018/100/000 ruble XNUMX;
• izimoto ezimbili zibandakanyeke engozini kanti izimoto ezibandakanyekayo kuphela ezilimele;
• izimo zesigameko azibangeli ukungqubuzana phakathi kwabahlanganyeli (icala aliphikisana), futhi kusukela ngo-01.06.2018/100/000 ngomonakalo kuze kufike kuma-ruble angu-XNUMX. ngaphandle kokuxhumana namaphoyisa omgwaqo, kuzokwazi ukubhalisa umcimbi noma ngabe kukhona ukungaboni ngaso linye.

Ukungabikho kwenqubomgomo ye-OSAGO kunoma yimuphi umhlanganyeli akuvumeli ukubhaliswa kwengozi ngokwemithetho ye-European Protocol

Kumuntu ohlukunyeziwe, ukungabi khona kwenqubomgomo ye-OSAGO kumuntu onecala, ngaphezu kokungakwazi ukufaka ingozi ngaphandle kokuxhumana namaphoyisa, kungabangela ukulahlekelwa kwezinto ezibonakalayo. Izimali ezilinganiselwe zomenzi wobubi zenza kube nzima kakhulu ukuthi isisulu sithole isinxephezelo. Ngisho nalapho kuqulwa icala nomshwalense, indaba yokukhokha ixazululwa ngesikhathi esamukelekile. Inqubo yokuqoqwa kusukela ngesikhathi isicelo sithunyelwa ekwamukelweni kwezimali kwangempela ngokuvamile ayithathi ngaphezu kwezinyanga ezi-4-5, futhi ezimweni eziningi zonke izinkinga zixazululwa esigabeni sangaphambi kokuqulwa kwecala phakathi nenyanga. Lapho kubuyiswa amademeshe kumuntu, isinqumo senkantolo ngokuvamile sisho isiqalo senqubo ende neyinkimbinkimbi yokuthola imali ngempela. Kungenzeka ukuthi isisulu ngeke sikwazi ukuthola lutho ku-tortfeasor, okungenani ngokusemthethweni. Kusukela esikhundleni somuntu ohlukunyeziwe, sizophinde sicabangele izimo ezingaba khona lapho ukulimala kubangelwa umshayeli ongenamshwalense.

Okufanele ukwenze uma kwenzeka ingozi uma isigebengu singenayo ipholisi

Imisebenzi ejwayelekile yabashayeli uma kwenzeka ingozi ichazwe ezigabeni 2.5 - 2.6 zeSDA. Ngokucabangela izidingo ezisungulwe ngumthetho we-OSAGO, futhi ngokuphathelene nesihloko esicatshangelwayo, sizonquma inqubo yezenzo zabahlanganyeli engozini. Ngaphansi kwanoma yiziphi izimo, abashayeli ababandakanyeka engozini kufanele:

• bayeke ukushayela ngokushesha, bavule isignali yezimo eziphuthumayo bese bebeka izimpawu zokumisa izimo eziphuthumayo ngendlela ezokwazisa abashayeli ngaphambi kokuba khona kwengozi lapho behamba khona (ezindaweni ezinabantu abaningi ezingekho ngaphansi kwamamitha ayi-15 ukusuka lapho isithiyo, ngaphandle kwezindawo ezinabantu abaningi - hhayi ngaphansi kwama-30 m);
• gcina indawo yezimoto ingashintshiwe ngemva kwengozi, futhi futhi unganyakazi noma ususe (ususe) isikrufu esakhiwe ngenxa yomthelela, izimpawu zokubhuleka, gcina izingxenye eziphukile kanye nezingxenye zemishini, impahla kanye nanoma yiziphi ezinye izinto. endaweni yokuwa.

Uma abantu belimele ngenxa yomcimbi, ngokushesha ubanikeze usizo lokuqala, uma kunesidingo, shayela i-ambulensi (inombolo eyodwa yezimo eziphuthumayo evela kumakhalekhukhwini 112). Ezimweni eziphuthumayo, abahlanganyeli engozini banesibopho sokuqinisekisa ukulethwa kwezisulu esikhungweni sezokwelapha ngokudlula ezokuthutha, futhi uma kungenakwenzeka, ukuziletha ngokwabo emotweni yabo. Ezimweni ezinjalo, umshayeli akanakuthweswa icala ngokushiya indawo yengozi. Umshayeli unesibopho sokuhlinzeka abasebenzi besikhungo sezokwelapha ngedatha yakhe, inombolo yepuleti yemoto futhi ethule ipasipoti (idokhumenti ebambele) noma ilayisense yokushayela kanye nemibhalo yemoto. Ngemuva kokuhambisa isisulu, umshayeli kufanele abuyele endaweni yengozi.

Uma indawo yezimoto emgwaqeni ngemva kwengozi ivimbela ukudlula kwezinye izimoto, abahlanganyeli engozini banesibopho sokusula umgwaqo wenqola. Ngaphambi kokususa iphaseji, abashayeli kudingeka baqophe, okuhlanganisa ngokuthwebula izithombe nokuqoshwa kwevidiyo, indawo yezimoto ezakheka ngemva kwengozi, iziklidi, izimpawu zokubhuleka kanye nezingxenye eziwile kanye nezinto ngokubhekiselwe entweni eseduze yomgwaqo emile noma enye into (eceleni komgwaqo, izimpawu zomgwaqo, izindlu, izigxobo, izitobhi zamabhasi, njll.). Kunoma yikuphi, kufanele udwebe umdwebo wendawo yengozi ephepheni ngokuvumelana nemithetho yamaphoyisa omgwaqo, ebonisa ukuma okuhlobene kwezimoto ngemva kokushayisana, ukubopha endaweni futhi kubonisa:

• amabanga phakathi kwezimoto ezindaweni ezimbi kakhulu;
• izindawo ezinomthelela;
• indlela yokuhamba ngaphambi kokushayisana;
• ubude be-brake wake kanye ne-trajectory;
• indawo, ukumisa kanye nosayizi we-scree;
• izindawo zezingxenye nezinto eziphukile futhi zawa ezimotweni;
• amabanga ukusuka ezimotweni ukuya eceleni komgwaqo, unqenqema;
• ububanzi bendlela yenqola kanye nemizila yethrafikhi;
• ibanga ukuya entweni ehangelwe (emgwaqeni ogwadule, lokhu kungaba izigxobo zamakhilomitha, izinto ezikude, amajika ezimpawu zomgwaqo, izinto zendawo, njll.).

Uhlelo luhlanganiswe njengombhalo owodwa futhi lusayinwe yibo bonke abashayeli ababandakanyeka engozini. Uma kuphakama ukungezwani okungenakulungiseka noma omunye wabahlanganyeli enqaba ukudweba uhlelo, idokhumenti kufanele yenziwe ngaphandle kokubamba iqhaza kwakhe kanye nenkomba yokwenqaba. Izithombe namavidiyo aqoshiwe kufanele aqinisekise imininingwane ekhonjiswa kumdwebo.

Uhlelo lwendawo yengozi kumele ludwetshwe ababambe iqhaza kulesi sigameko ngokuhambisana nemithetho ehlinzekiwe ekulungiseni uhlelo ngamaphoyisa omgwaqo.

Funda kabanzi mayelana namakhono e-DVR: https://bumper.guru/klassicheskie-modeli-vaz/poleznoe/videoregistrator-s-radar-detektorom.html

Kuvunyelwe ukushintsha indawo yezimoto ngemuva kwengozi phambi kwezisulu kuphela uma, ngenkathi kugcinwa isikhundla esingashintshiwe, ukudlula kwezinye izimoto akunakwenzeka. Ukushintsha ilungiselelo ngenxa yokwakhiwa kwezithiyo ekuhambeni kwamahhala, ukwakheka kwezimoto zethrafikhi nezinye izimo ezingavimbeli ngokuphelele ukudlula zingafaneleka njengokushiya indawo yengozi. Uma zingekho izisulu, izimoto zingasuswa hhayi kuphela uma kungenakwenzeka ukuthi ezinye izimoto zidlule, kodwa futhi uma kunzima.

Uma kwenzeka ingozi nezisulu, abashayeli kudingeka futhi bahlonze ofakazi bomcimbi futhi bathathe idatha kubo (amagama, amakheli, izinombolo zocingo). OFakazi bangaba abadlula ngendlela abalindile ezitobhini, abashayeli nabagibeli bezimoto ezidlula ngesikhathi sengozi (uma abashayeli bema), abantu abasezakhiwo eziseduze, njll. Kunconywa ukuthola ofakazi ezimweni lapho indawo yezimoto ine kushintshile bengekho abahlukumezekile.

Funda ukuthi ungakugwema kanjani ukuphahlazeka ebusuku: https://bumper.guru/klassicheskie-modeli-vaz/poleznoe/kak-ne-usnut-za-rulem.html

Indaba yokuthi abashayeli banawo yini umshwalense kufanele ixazululwe ngokushesha ngemva kokwenziwa kwemisebenzi yokuqala. Uma isigebengu sengozi singenayo inqubomgomo ye-OSAGO, eminye imicimbi ingathuthuka ngezindlela ezimbili:

1. Uma umonakalo udalwe kuphela ezimotweni nasezimpahleni zabahlanganyeli, abekho abantu abalimele, umenzi wecala akaphiki icala futhi ulungele ukukhokha lapho, ukubiza amaphoyisa omgwaqo akufanelekile. Imithetho yethrafikhi ivumela ukuthi kungenzeka ukungasifaki isigameko nganoma iyiphi indlela, uma kungekho noyedwa wabahlanganyeli ophikelela kulokhu (isigaba sokugcina sesigatshana 2.6.1 semithetho yomgwaqo). Ukwenqaba ukufaka umcimbi kuncisha isisulu ithuba lokufakazela izimo zesigameko noma kube nzima kakhulu inqubo yobufakazi, ngakho-ke, kungenzeka ukuthi uvumelane nokuthuthukiswa okunjalo kobudlelwane kuphela uma ukulungiswa kwenzeka ngokushesha noma ngokushesha (ngemuva ukukhipha imali ku-ATM eseduze, izihlobo noma abangani bazolethwa endaweni yengozi, njll.) .). Kuze kube yilapho kutholwa imali yangempela, akunakwenzeka ukushintsha indawo yezimoto futhi ushiye indawo yesigameko. Ukudluliswa kwemali kufanele kwenziwe kube semthethweni ngokubhala ngokuthola irisidi noma isenzo, okufanele sibonise:
   • isikhathi nendawo yesigameko;
   • idatha yomuntu siqu yabahlanganyeli (igama eligcwele, ipasipoti noma idatha yelayisensi yokushayela, indawo yokuhlala, inombolo yocingo);
   • ulwazi ngezimoto ezibandakanyeke engozini (imodeli, ipuleti lelayisense);
   • kafushane izimo zesigameko, umonakalo owumphumela;
   • ukuvuma icala;
   • inani elikhokhiwe.
2. Uma izimo zesigameko zidala izingxabano, abukho ubumbano ekuhloleni umonakalo, kukhona abahlukunyezwayo noma umenzi wecala akakakulungeli ukukhokha ngokushesha, ukuxhumana namaphoyisa omgwaqo kuyadingeka. Izithembiso zokukhokha ezinsukwini ezimbalwa kufanele ziphathwe ngokucophelela. Ngisho noma umenzi wobubi elivuma icala lakhe ngokubhala phansi futhi ethatha izibopho zokuvala umonakalo, akukho okuzomvimbela ukuba ahoxise amazwi akhe kamuva. Isaziso esigcwalisiwe esikhishwe lapho ufaka isicelo senqubomgomo ye-OSAGO (ngezinye izikhathi ebizwa ngokuthi i-European protocol), noma isibopho esibhaliwe sokukhokhela inkantolo, okungcono kakhulu, kuyoba ubufakazi bokuthi ngemva kwengozi umhlanganyeli wayezibheka enecala. Umshayeli uzokwazi ukuchaza ukucatshangelwa kwecala ngesimo sokushaqeka, ukuhlolwa okungalungile kwezimo, ukungabi nalwazi, noma ngisho nokucindezela kwengqondo okuvela kumuntu ohlukunyeziwe.

Imithetho yomgwaqo ivumela ukuthi kube nokwenzeka ukubhalisa ingozi uma kukhona ukungaboni ngaso linye hhayi endaweni yengozi, kodwa endaweni yamaphoyisa omgwaqo eseduze noma ophikweni lwamaphoyisa. Lokhu kungenzeka kuphela ngesisekelo somyalelo oqondile wephoyisa elafika noma elinikezwe yilo ngocingo lapho libika umcimbi. Kunoma yikuphi, amaphoyisa kufanele aziswe ukuthi umenzi wobubi noma isisulu akanayo inqubomgomo ye-OSAGO. Lapho bethola imiyalelo yokukhipha imibhalo engekho endaweni yengozi, abashayeli kudingeka barekhode indawo yengozi ngendlela ekhonjiswe ngenhla bese bedlulela endaweni ebekiwe.

Indlela yokubuyisela imali yomonakalo kumgebengu uma engenawo umshwalense

Isinxephezelo sokulimala singenziwa ngokuzithandela noma ngokuzenzakalelayo. Ukungabikho kwenqubomgomo ye-OSAGO yomnikazi wemoto akusho ngokungananazi ukungathembeki komuntu, kodwa iziphetho ezithile ziyaziphakamisa. Ngakho-ke, kunoma yikuphi, umuntu kufanele anakekele ukwakhiwa kwesisekelo sobufakazi obudingekayo.

Isinxephezelo sokuzithandela

Ngomonakalo omkhulu, akuwona wonke umenzi wobubi onethuba lokukhokhela isisulu ngokushesha noma ngesikhathi esifushane. Lapho kuxazululwa izindaba zesinxephezelo sokulimala, izinketho ezihlukahlukene ezamukelekayo kuzo zombili izinhlangothi kufanele kuxoxwe ngazo:

• isitolimende noma ukuhlehliswa kwenkokhelo;
• ukubamba iqhaza ngokuhlanganyela ekukhokhweni kokulungisa nokubuyisela okulandelayo ngumuntu onecala lezindleko zesisulu;
• ukunikeza umenzi wobubi isikhathi esidingekayo sokufaka isicelo sokubolekwa imali, ukudayisa indawo ukuze kuxazululwe icala nomhlukumezi, njll.;
• ukugcwaliseka kwezibopho ngezinye izindlela (ukudluliselwa kwempahla, ukusebenza komsebenzi, njll.);
• ukufeza isibopho ngomunye umuntu, njll.

Isivumelwano sokunxeshezelwa ngokuzithandela ngomonakalo kufanele senziwe ngokubhaliwe.

Inqubo okuvunyelwene ngayo kufanele inqunywe ngesivumelwano esibhaliwe esibonisa ukuvuma icala ngumhlanganyeli engozini. Izibopho zokunxephezela umonakalo azikwazi ukuvela kwinkontileka, kodwa idokhumenti ebhaliwe izoba ubufakazi obungaqondile benkantolo obuvuna isisulu uma umenzi wobubi ephula imigomo yesivumelwano noma eqala ukuphikisa icala. Isivumelwano sesampula esiyisisekelo singabukwa lapha.

Ukunquma inani lomonakalo

Isinyathelo esibaluleke kakhulu ekuxazululeni indaba yesinxephezelo sokulimala ukunquma inani lomonakalo. Akukho mibuzo okufanele iphakame enkantolo noma ezingxoxweni nomenzi wobubi mayelana nenani elifanele uma isisulu sikhanda imoto endaweni yokusebenzela ngezindleko zaso ngokuhambisana nezidingo ezijwayelekile zokukhanda (esiteshini somthengisi wemoto yewaranti, endaweni yokusebenzela esemthethweni. imoto engeyona iwaranti enekhwalithi evamile kanye nezinsuku zokugcina). Izimfuno ezeqile ngendawo, izimo, ubuchwepheshe kanye nemibandela yokulungisa ngeke yanelise inkantolo futhi akufanele ikhokhelwe umenzi wobubi ngokuzithandela (ngokwesibonelo, isisulu siyofuna ukushintsha izingxenye ezizokhandwa, ukufaka izinto ezibiza kakhulu buyisela ezilimele, ulungise hhayi kumthengisi ogunyaziwe oseduze endaweni yokuhlala eTula, naseMoscow, njll.).

Enye indlela yokurekhoda umonakalo otholiwe futhi uthole izindleko zokulungisa ukukhipha umyalo wokuqala. Ukuze wenze lokhu, imoto eyonakele kufanele ithunyelwe esiteshini sesevisi, lapho izohlakazwa khona, umonakalo obonakalayo futhi ofihliwe uzonqunywa, futhi izindleko ezilinganisiwe zokulungiswa zizosungulwa. Ngemva kokuhlakaza imoto, isiteshi sesevisi kufanele siqale ukulungiswa. Isiteshi sobuchwepheshe singase sidinge ukukhokha kancane kancane noma ukukhokhelwa kwezingxenye nezingxenye ezidingekayo ukuze zilungiswe. Uma kungekho nkokhelo, ukulungiswa ngeke kwenziwe, futhi umnikazi wemoto uzokhokhiswa ngokugcina imoto. Ungakwazi ukubuyisela izindleko zokukhokha isikweletu kumuntu onecala uma ukulungiswa kubambezelekile ngephutha lakhe, kodwa akekho odinga izindleko ezengeziwe. Ngakho-ke, kuyadingeka ukushayela imoto esiteshini futhi uyihlakaze ngemva kokuxazulula indaba yesinxephezelo somonakalo nomenzi wecala noma, uma kungenzeka, ukhokhele ukulungiswa ngokwakho.

Ukukhomba umonakalo ofihliwe esiteshini sesevisi, kuyadingeka ukuqaqa imoto

Indlela ejwayelekile nethembeke kakhulu yazo zonke izinhlangothi ukwenza ukuhlolwa okuzimele. Umbiko womhlaziyi uzodingeka futhi ukuthi ufake isicelo uma ingxabano ifinyelela esigabeni sokwahlulela. Izindleko zokuhlolwa zincike endaweni, umthamo kanye nemvelo yomonakalo, imodeli yemoto. Ukuze uthole orientation, ungakwazi ukubiza izinombolo 7000-10000 ruble. Ukuhlolwa kokuqala ngeke kunqume umonakalo ofihliwe. Ngemva kokuhlakaza umshini endaweni yokusebenzela, kungase kudingeke ukuba kwenziwe ukuhlola okwengeziwe futhi kulungiselelwe isengezo esiphethweni. Indaba yokukhokhela ukuhlolwa kufanele kunqunywe ngesivumelwano sabahlanganyeli engozini, uma bekhetha le ndlela yokunquma inani lomonakalo. Njengokuvumelana, ungenza ukuthi imoto ihlolwe uchwepheshe noma uchwepheshe. Mhlawumbe akuzona zonke izivivinyo ezizimele ezihlola ngaphandle kokuhlanganisa umbiko, kodwa kufanelekile ukubheka inkampani enjalo. Kulesi simo, umbiko wokuhlola onetafula lesithombe elidingekayo uzobiza ama-ruble angu-1000-3000, futhi ngesisekelo sombiko wokuhlola, umbiko wezindleko zokulungisa ungadwetshwa nganoma yisiphi isikhathi. Njengomthetho ojwayelekile, inani lomonakalo linqunywa uchwepheshe ngosuku lwengozi.

Iqoqo eliphoqelelwe

Uma umenzi wecala engazange akhokhe ngaleso sikhathi futhi kungekho sivumelwano okwafinyelelwa kuso ngenqubo yesinxephezelo kanye nenani lomonakalo, noma lowo onecala ephule izibopho zakhe noma umonakalo awuzange unxeshezelwe ngokugcwele, okuwukuphela kwendlela engokomthetho ukubuyisela. Imicimbi ingathuthuka ngezindlela ezimbalwa:

1. Izincwadi zamaphoyisa omgwaqo ziyakhishwa, kodwa isigebengu siyenqaba ukunxephezela umonakalo. Umhlukunyezwa kufanele afake icala enkantolo ukuze abuyise umonakalo odalwe ingozi. Ezimweni ezinjalo, umenzi wobubi angahamba ayophikisa icala lakhe. Indaba yecala izoxazululwa ngendlela efanayo. Ngokuya ngesinyathelo kanye "nobuhlakani", umenzi wobubi angaba ngowokuqala ukufaka isimangalo ngokumelene nenkampani yomshwalense kamufi ukuze akhokhelwe amademeshe, egcizelela ukuthi unecala, afake isicelo esiphikisa lowo ohlukunyeziwe kanye nomshwalense wakhe, noma asho ukuphikisa kwakhe ukuba netyala lokubangela umonakalo lapho kucutshungulwa isimangalo somuntu ohlukunyeziwe. Ngaphambilini, umenzi wobubi angase azame ukuphikisa isinqumo (ukuzimisela) kwamaphoyisa omgwaqo. Umhlanganyeli engozini kufanele azibambele mathupha kulezo zinqubo, ngoba ummeleli ngeke akwazi ukunikeza izincazelo eziphelele mayelana nezimo zomcimbi.
2. Imibhalo yamaphoyisa omgwaqo iyabulawa, umenzi wecala akaphikisani necala, akenqabi ukunxephezela umonakalo, kodwa akakhokhi ngokuzithandela. Lesi yisimo esijwayelekile kakhulu. Isigebengu asinayo indlela yokulungisa umonakalo futhi sivele sihambisane nokugeleza. Ukumangalela ezimweni ezinjalo ngokuvamile akunzima.
3. Imibhalo yamaphoyisa omgwaqo iyabulawa, isigebengu sikhokhe ingxenye yomonakalo futhi sikholelwa ukuthi imali ekhokhiwe yanele. Kukhona ingxabano mayelana nenani lomonakalo. Ukubuyiselwa kuyenziwa futhi ecaleni, kodwa kungase kudingeke ukuhlolwa kochwepheshe ukuze kuqinisekiswe inani lomonakalo. Inkantolo ingase iqoke ukuhlolwa ngesicelo sommangalelwa, ngisho noma enganikeli ubufakazi obanele bokuthi izidingo ezishiwo azihambisani nomonakalo wangempela.
4. Amadokhumenti amaphoyisa omgwaqo awabulawa, kunemvume ebhaliwe yecala lokukhokhela umonakalo (incwadi yesiqiniseko, isaziso sengozi, njll) noma akukho lutho olutholakalayo. Uma umenzi wobubi enquma ukubekela inselele icala lokudala umonakalo, uhlobo nobukhulu bomonakalo, kuyoba nzima kakhulu kulowo ohlukunyeziwe ukufakazela isikhundla sakhe. Abenzi bobubi "abanolwazi" bangahamba ngale ndlela. Ngenxa yokuntuleka kwenqubomgomo ye-OSAGO, bacela isisulu ukuba singabizi amaphoyisa omgwaqo, sithembisa ukukhokha phakathi kwezinsuku ezingu-1-2. Ukwesekwa kwamagama, kukhishwa irisidi ebonisa inani, kodwa ngaphandle kohlu lomonakalo kanye nencazelo yezimo. Ngemuva kwalokho, imigomo yokukhokha ihlehliswa njalo. Ngenxa yalokho, isisulu, okungcono kakhulu, sinombiko womhloli noma umyalelo womsebenzi odwetshwe kamuva kakhulu kunosuku lwengozi, ongaqinisekisi isikhathi nezimo zomonakalo, kanye nerisidi engasho lutho. Kunzima ukuthembela esinqumweni esihle senkantolo esimweni esinjalo.

Ungakwazi ukuncoma iqhinga elincane ekuxazululeni kokwahlulela kwengxabano mayelana nesinxephezelo somonakalo ngumuntu onecala. Ngokusho kommangali, u-Art. I-139 ye-Code of Civil Procedure of the Russian Federation inikeza ithuba lokubeka izinyathelo zenkantolo ukuze kuqinisekiswe isimangalo, ikakhulukazi, ukuboshwa kwempahla kanye nempahla yommangalelwa okungeyakhe. Uma umenzi wecala engumnikazi wemoto ehilelekile engozini futhi inani elisolwayo lomonakalo likhulu, isimangalo kufanele sifakwe ngesikhathi esifanayo nokuthathwa kwemoto. Ijaji maningi amathuba okuthi lisivumele isicelo sommangali uma inani lesimangalo lingencane uma liqhathaniswa nenani lemoto yommangalelwa. Ukuboshwa, okokuqala, kuqinisekisa ngokuthembekile ukwenziwa kwesinqumo senkantolo, futhi okwesibili, ngokwesiko kuveza ingcindezi ebonakalayo yengqondo kulowo onecala.

Isimangalo sangaphambi kwesivivinyo

Inqubo yesicelo ayiphoqelekile ebudlelwaneni phakathi kwabantu futhi ayisetshenziswa ekusebenzeni. Uma umenzi wecala ongaqinisekisiwe kuvele ukuthi uyibhizinisi elisemthethweni, isimangalo sokuqala singase sibe usizo ekulungiseni isikhathi sezibopho. Mancane amathuba okuthi izinhlangano zisayine isivumelwano sokuvuma icala kanye nesinxephezelo sokuzithandela sokulimala, njengoba idokhumenti enjalo ingenasici ngokombono wezomthetho.

Isimangalo kufanele sisho (isibonelo lapha):

• igama lekheli;
• idatha yesisulu;
• igama "Isimangalo sesinxephezelo somonakalo odalwe ngenxa yengozi";
• incazelo yomcimbi, ekhombisa ababambiqhaza nezimoto;
• izidingo;
• iminqamulajuqu yokwaneliseka ngokuzithandela kwezimangalo.

Amadokhumenti lowo onecala angenawo kufanele afakwe esimangalweni:

• umbiko womhloli wenani lomonakalo, i-oda lomsebenzi, i-invoyisi yokulungisa;
• amarisidi aqinisekisa izindleko ezihambisanayo (inkokhelo yezinkonzo zomhloli, izindleko zeloli elidonsayo uma imoto ingakwazi ukuhamba, njll.;
• I-PTS noma i-SR TS.

Imibhalo yamaphoyisa omgwaqo ayikwazi ukunamathiselwa, ngoba isigebengu sinelungelo lokuzitholela yena. Kusukela ekupheleni kwesikhathi sokwaneliseka kokuzithandela kwezimangalo, inzalo ingakhokhiswa usuku ngalunye lokubambezeleka kokukhokha ngokuhambisana ne-Art. I-395 ye-Civil Code ye-Russian Federation esekelwe kuzinga elibalulekile leBhange Elikhulu. Izinga lamanje lingama-7,25% ngonyaka. Inani eliphelele lenzalo liyoba lincane, kodwa inhlawulo eyengeziwe kanye nenhlawulo ingasetshenziswa kuphela kumshwalense. Uma kwenzeka ukubambezeleka kokukhokha ngumuntu onecala - umuntu ngamunye, inzalo iqoqwa kusukela ngosuku olusungulwe yisivumelwano sokukhokha isinxephezelo ngokuzithandela.

Ukubuyiselwa kokwahlulela

Icala lifakwa eNkantolo yeMantshi nenani lesimangalo lifinyelela kuma-ruble angama-50. (umonakalo kanye nazo zonke ezinye izimangalo, ngaphandle kwesinxephezelo somonakalo ongewona owemali) noma inkantolo yesifunda ngamanani amakhulu. Ungakwazi ukulungiselela isicelo futhi uqhube izinqubo ngokwakho, uma umenzi wobubi engaphikisani necala kanye nenani lomonakalo. Isimangalo sesampula esinamadokhumenti anamathiselwe siyatholakala lapha. Lapho kubuyiswa amademeshe kulowo onecala, intela yombuso ikhokhwa ngamanani asungulwe yizigaba. 000) isigaba 1 se-Art. 1 weKhodi Yentela Yenhlangano YaseRussia. Kwezinye izimo, kunconywa ukuthi ufune iseluleko sezomthetho. Ukuyisa umenzi wobubi enkantolo ngokwephula imithetho yomgwaqo akubona ubufakazi obanele ukuthi inkantolo iveze ukuthi unecala ngokudala umonakalo. Inkantolo emacaleni athile ingasungula icala elihlanganyelwe labahlanganyeli ngisho nokungabikho kokuxhumana phakathi kokwephulwa kwemithetho yomgwaqo kanye nokwenza umonakalo.

Okuwukuphela kwendlela esemthethweni yokuphoqelela ukubuyiswa kwamademeshe yizinqubo zamajaji.

Ngemva kokusebenza kwesinqumo senkantolo esenelisa izidingo zomuntu ohlukunyeziwe, kufanele uthole incwadi yokubulawa bese uyidlulisela ku-FSSP lapho kuhlala khona umenzi wobubi. Uma okweletayo engenayo imali eyanele kuma-akhawunti namakhadi ukuze enze isinqumo, umsizi wesikhonzi senkantolo cishe uzoqala ukugodla inani eliqoqwe emholweni ngenani elifinyelela ku-50%. Uma imoto yesigebengu ibanjwe, isinqumo singasebenza ngokudayiswa kwemoto. Esigabeni sokubulawa, kungavela izinkinga eziningi ezihlobene nokuntuleka kwemali noma iholo elingekho emthethweni lomgebengu.

Ividiyo: yini okufanele uyenze kumuntu ohlukunyeziwe uma umenzi wecala engenayo inqubomgomo ye-OSAGO evumelekile

Iqembu elimele kufanele lenzeni uma umenzi wecala engenayo i-OSAGO?

Ukungabikho kwenqubomgomo ye-OSAGO akubi nje kuphela kumgebengu obangele ukulimala ngenxa yengozi, kodwa futhi kumuntu ohlukunyeziwe, okuthi esikhundleni sokuxazulula ngokushesha isimo enkampanini yomshuwalense, uphoqeleka ukuba ahlanganyele ezingxoxweni ezengeziwe, ukuqulwa kwamacala kanye nezinqubo zokuphoqelela. Ukugcwaliseka ngobuqotho kwesibopho somshwalense wesikweletu kubonisa isimo sengqondo esifanele somnikazi wemoto maqondana nabanye kanye naye.