CTP ngaphandle lokuhlolwa. Ngaba Ngokwenene?

Ngo-Julayi ka-2012, abaqhubi beemoto Russian niyifincile iindaba ezilungileyo. Duma State wavumela ukuba inshorensi moto CTP ukuba ekuhlolweni, ezo ngaphantsi kweenyanga ezintandathu. Ukongeza, umthetho omtsha inika ithuba lokufumana inkqubo MTPL elifutshane elide ngaphandle ukuhlolwa ithuba leentsuku ezingama-20. Kwixesha elizayo kufuphi ukuze ziqwalaselwe nguRhulumente Duma bude wazisa umthetho omtsha ebonelela nkqubo CTP esisigxina ngaphandle lokuhlolwa.

Ingongoma ephambili Ibhili entsha - ukubuyiselwa amalungelo abaqhubi ukuba inshorensi isithuthi Kwathi nokuhlola zobugcisa. Isizathu kukuba namhlanje, umqhubi, banelungelo ukuba aqhube uhlolo, abakwazi ukumelana nokuqukuqela zokufuna ukuba ahlole imoto. Ngokufuthi abanini zithuthi kumngcipheko wakho ukuqhuba imoto ngaphandle inshorensi.

Ukuza kuthi ga ngoku, izilungiso umthetho ukuvumela ukuba ukuthenga isixhobo nkqubo liability insurance ngaphandle zihlolwe, kodwa kusekho kubalulekile ukuthobela imiqathango ethile. Ngaphambili, abaqhubi akwazi ukufumana i-nkqubo kuphela indawo apho ubhaliso iza kwenziwa. Ngoku, umgaqo-nkqubo zingathengwa ukuze ukuya kwindawo yokuqala okanye Phindaphinda UKUBA.

Innovation kwavunywa Abanini imoto ukususela phambi abaninzi kubo kubhenela iinkonzo ilori yeflakisi, ukuze ukuphazamisa imithetho yendlela. Ukuba kuyimfuneko, ungakwazi ngoku ukuthenga i-nkqubo MTPL ngaphandle ukuhlolwa ithuba leentsuku 20 ukuya kwelo nqanaba, ngaphandle baphula imithetho. Kwezinye iimeko kusafuneka ekuhlolweni ukufumana inshorensi.

Ezinye abaqhubi banoluvo lokuba inshorensi efunekayo kuphela kwabasaqalayo kunye Likhachev, yaye musa acinge kuyimfuneko ukuba inshorensi 'ihashe yentsimbi' bakhe CTP. Enyanisweni, uqhuba ngaphandle inshorensi imoto mandatory ke naxa ingumbandela ozaliswe ziziphumo emibi. umthetho Russian unika inshorensi enyanzelekileyo nasiphi na isithuthi. Xa engekho abaqhubi nkqubo emngciphekweni lokufumana isohlwayo ukusuka engange-100 ukuya 800. Ukongeza, amapolisa ezendlela, nokuchonga enetyala uya kuba nelungelo ukumthintela nkqu ukusebenza isithuthi kunye nokususa serial numbers.

Ukuze siqonde indlela CTP ubalwe, kufuneka uye na unomdla inkampani yeinshorensi. Ezinye abanini imoto bakholelwa ukuba ixabiso le nkqubo emiselwe yi-inshorensi, enyanisweni, akunjalo. Iindleko-inshorensi wenziwe izinto kunye namaxabiso ezibekwe ngurhulumente. Iinkampani ze-inshorensi awanalo ilungelo lokuba ukubukela okanye zazi ixabiso nkqubo. Umthetho okunqanda izaphulelo, unyuselo, izipho kunye inshorensi lokuthenga. ixabiso le nkqubo kuxhomekeke uhlobo le imoto, ubudala, nezihlandlo ukusetyenziswa, ubude yomqhubi. Kwakhona ummandla ebalulekileyo apho ebhalisiweyo isithuthi, umthamo we-injini, inani abaqhubi eziya kubhalwa kulo mgaqo-nkqubo.

MTPL libalwa ngokusekelwe iirhafu ezingundoqo, ezo ezibekwe ngurhulumente. Zeengcali landisa izinga isiseko ngu yimiba CTP ukuze ukunciphisa iindleko inshorensi okanye, phezu koko, kwenza ukuba lixhome kakhulu. Amava kunye nobudala yomqhubi, inowuthi ratio, ngokulandelelana, i-inshorensi ayibizi kakhulu.

inshorensi gama kuchaphazela iindleko, kuba nenzuzo kakhulu ukuthenga umgaqo iinyanga ezili-10 okanye ngaphezulu, kuba nako ukusindisa imali eninzi.

UMbuso uya ukhuthaze abo abaqhubi baba- ngenyameko uze ungafumani ingozi yemoto. Kuba abaqhubi beemoto okuqhuba inkathazo-free sithembele intlawulo ye-5% ngonyaka ngamnye ngaphandle kwengozi. Le isaphulelo liphezulu kunokwenzeka - 50%. Xa inani siganeko inshorensi linyuke-50%. Ngoko ke, zonke umqhubi kufuneka silumke kakhulu ngoxa uqhuba: kukhuselekile nje kuphela, kodwa inzuzo.