Yintoni nokushiywa kwi-inshorensi?

Apho namhlanje basebenzisa inshorensi Isemantiki kakhulu? Process nangomoya subrogatsii (ukuhlehla) ezichazwe kwaye esivakalayo e-Code Civil. Ngokutsho imithetho ukuhlehla inshorensi - yeinshorensi ekunene, ubanga icala, unetyala ebangela umonakalo nto-inshorensi, nto leyo eyakhokelela ekubeni kokuvela isiganeko inshorensi.

Amabango baziphendulele ixhaphakileyo lingeniswa ngenxa imbuyekezo yomonakalo unokubangwa ziintlobo ezifana impahla: zobunjineli izithuthi;

• zokuhlala kunye nezorhwebo ezithengiswayo;
• zentsulungeko zasendlini.

Leader in inani leemeko apho phambili Isemantiki - inshorensi izithuthi, kokubini kunye esemthethweni.

ISiqendu 76 soMthetho "wemiGaqo CTP" ulawula yonke imiba enxulumene abanaluncedo iinkampani ze-inshorensi. Indlela izinto usebenze? Kwimeko apho kukho ingozi luvavanywa isithuthi ezonakeleyo wabeka umntu (okanye abantu) onoxanduva umonakalo. I insurer ihlawula isithuthi umnini benefits ekungenwe ilahleko ngaphakathi sum-inshorensi.

Ngaphezu koko, inkampani efuna ukubuyekeza imali engekahlawulwa, vula ibango enkundleni. UMgwebi kwakhona onke amaxwebhu angeniswe ngamaqela, kwaye isigqibo abanaluncedo. Oku nokushiywa kwi-inshorensi emsebenzini.

Kukho iindidi ezimbini ezinokukhethwa ngubani oza kuhlawula imali efunekayo ngayo kwinkampani ye-inshorensi. Eyokuqala ithetha ukuba umdlwenguli ethe ipolisi ye-inshorensi CASCO. Kulo mzekelo, ibango wafumana inshorensi yakhe, elijongene nayo. Ngamana ukunciphisa iintlawulo inshorensi iya kugqithiswa, ngoko ke intsalela yemali iya kuhlawuliswa lowo unetyala. Ukuba isivumelwano inshorensi kwi ngumtyholwa akakho, byi yonke imali ngokugcweleyo.

Ilungelo zikhethe ukuhlehla inshorensi kuvela kwimeko lokubonisa ubukho ayihambisani ebangela umonakalo kwimpilo okanye impahla ka-inshorensi. Kwakhona iinqwelwana zezi:

• ukufumana umenzi wobubi ngexesha umonakalo okanye nayiphi na enye ukunxila okanye utywala;
• kungekho mntu uthe ukuqhuba isithuthi leyo abandakanyeka kwingozi;
• ngabom ezoo ndawo ;
• isiganeko inshorensi ngexesha, nto leyo ezinokunikezelwa isivumelwano inshorensi
• ulawulo zokuhamba umntu na bengamkelwa kule ngokungqinelana mvumelwano inshorensi.

impahla inshorensi

Emva inombolo isithuthi lesibini iimeko apho ikhula Isemantiki-inshorensi impahla. Uyakwazi inshorensi phantse yonke into: indawo yokuhlala, indlu, indawo yokugcina okanye ivenkile. Ukongeza, phambili-abemi inshorensi ukulungiswa imali eninzi kwaye esebenza ezahlukeneyo inkathazo - ukusuka ngomlilo onogumbe.

inshorensi ngokuzithandela uya kubonelela ngembuyekezo, ukuba igumbi lakhukuliswa ngenxa isiphoso abamelwane, amasela batyelela cottage okanye ngenxa yokwanda zombane itshiswe. Emva koko, i "intloko ebuhlungu" ye kwinkampani ye-inshorensi iya kuba ukufumana abo banoxanduva ebangela umonakalo, kunye nobungqina obuxhasa ubugwenxa babo. Kakade ke, ukuba inshorensi ufuna ukuba amsunduze kuzo amabango uncedo kwaye imali yabo.