Yokulungisa CTP

Kutshanje, iinkampani ze-inshorensi baqalisa ukunikela kungekuphela nje ukuhlawula insurance premium phantsi kwingozi yemoto egqibeleleyo, kodwa kwakhona bakwazi ukulungisa imoto kwi workshop yingcali apho neenkampani ze-inshorensi ukungena kwizivumelwano. Ngoko, umnini-moto umonakalo ubani ayeke imfuneko ukukhangela nenkonzo yabathengi, abaza kuzisebenzisa uze ukhethe umsebenzi wolawulo. Yonke into enxulumene wokulungisa ezinjalo ziza kuchazwa kwinqaku.

Iingenelo neengozi nokulungiswa CTP

Silungisa, zenziwa ngaphakathi CTP, kukho ezilungileyo nezingalunganga. Izinto eziluncedo zezi:

• ukulungiswa zexesha elifutshane (oku kungenxa yokuba isikhululo ziya kufumana imali kuphela emva kokwenza imoto kwaye iza kuzama uku phawula oko kamsinya kangangoko kunokwenzeka);
• akukho mfuneko yokuba self-mbutho ukulungiswa.

Phakathi kusilela waphawula:

• ukungakwazi ukufumana insurance premium zakho;
• Kusenokwenzeka libya umsebenzi wokulungisa (iipremiyamu inshorensi umthetho akuthethi awaneleyo ngenxa yemveliso wokulungisa ngokupheleleyo);
• ngokuphazamiseka ekukhetheni kwizikhululo (ezimbalwa izikhululo asebenza nalo olu hlobo ukulungiswa, kwaye bonke bephela zifumaneka kwiindawo elula).

Ukuvavanywa imoto emva kwengozi

Le nkonzo yenziwa ukuvavanya iindleko umonakalo kwisithuthi ngenxa kwingozi yemoto. Uvavanyo lwenziwa ngokwamanqanaba eziliqela.

• Preparatory. Inika isisombululo zonke iimbambano ezivela ngexesha uvandlakanyo, ukuyilwa imibuzo.
• Ukuhlolwa eyonakele nabazobuchwephesha ingcali imoto kulwenziwo photo. Ke yadibanisa isiqinisekiso lokuhlolwa.
• Yathi ngcali ubala ixabiso lokubuyiselwa ukulungiswa kwaye ibonisa isixa ethile ekufuneka zihlawulwe kubanini imoto achaphazelekayo.
• Ukuba ngozi imoto, i "ubudala" apho ubuncinane iminyaka emihlanu, ebalwe njengoko ukulahleka ixabiso layo yorhwebo. Kufuneka ihlawulwe ukuze ngokwahlukeneyo.
• I ingcali kwakhona kufuneka abale ixabiso wemoto yonke urhulumente. Oku ukuze ubone ukuba oko kunilungele ukuba alungise umonakalo phantsi isikali.
• Kubalwa iibhalansi kufanelekile xa kuthe imoto ayikho phantsi ukulungisa. Oku kubalwa ngendlela. Ukuba ixabiso imoto ikhulu lamawaka, kunye nokulungiswa liya kuxabisa amawaka asithoba, ngoko, oko, ukuba kutywinwe iintanda akufanelekanga. Fit iintsalela imoto kwi-mali ka-amane amawaka. Loo nto kufuneka ihlawulwe amawaka amathandathu.

Ukuvavanya isithuthi, la maxwebhu alandelayo:

• Ulwazi malunga ngesiganeko kuForm 748;
• isatifiketi sobhaliso lwesithuthi okanye TCP;
• amaxwebhu ebonisa balungisa ngaphambili.

i-inshorensi yokudlala emva kwengozi

Ukuza kuthi ga ngoku, asingabo bonke abanini imoto ukuqonda intsingiselo yalo inshorensi. Eyona nto ibalulekileyo kukuba inkampani yeinshorensi uthembisa ukuba akhusele amaqela wesithathu, nto leyo eyabangela ukuba umnini wesithuthi-inshorensi. Oko kukuthi, i-insurance premium ihlawulwa ngqo kwixhoba. Ukuba kukho tyala kwi omabini intlawulo CTP yenziwe ngokomlinganiselo umonakalo ubunzima.

Insurance kuhlawulwa ubungakanani echazwe kakuhle. Ukuba imali ehlawulwa akukho esaneleyo ukuhlawula kutywinwe eveliswe, okuseleyo kwengozi kufuneka ahlawule ngumtyholwa. Kulo mzekelo, kwiimviwo isithuthi kakuhle wenziwe nxaxheba yokugqibela ukuze kamva kwavela iimbambano.

Emva kwengozi, u nga mathidala ukuba ndibhenele kwinkampani ye-inshorensi. Nalwazi abo bakholelwa ukuba kubiza yaye inkampani liya kwenza intlawulo yomonakalo.

Ngoko nangoko emva kokuba siganeko kufuneka ngokucokisekileyo kuhlola abakwindawo ukungquzulana kwaye ufumane amangqina ababhala zonke iinkcukacha zazo zoqhagamshelwano. Ukuba kunokwenzeka, kungcono ukuthatha umfanekiso kulo mmandla.

Emva koko kufuneka ubize amapolisa. Emva lokuthotyelwa komthetho tufwile uqhubeka ukuba ahlole ngenyameko isithuthi sakho. Ukuba ipolisa ayibonisi nawuphi na umonakalo uncedo yaqulunqwa, kwixesha elizayo kuya kuba nzima ukuba ubungqina bobukho.

Emva kokuba uhlolo, azise inkampani yakho ye-inshorensi ngengozi kwaye ugcwalise le isaziso lwesiganeko. Fumana uncedo, ungakwazi ushiye.

Okulandelayo, kufuneka uqokelele zonke amaxwebhu kwi kwingozi yemoto, kuquka protocol isaziso, ukuba athathe amaxwebhu ukuze imoto ubanike kwinkampani ye-inshorensi. Kwakhona, oko kuya kufuneka iinkcukacha ze-akhawunti yakho yebhanki yoguqulo iintlawulo. amaxwebhu Missing angasindisa kamva, kodwa kubalulekile ukuba sigcine ixesha ngokubhala isicelo - kweentsuku ezilishumi emva kwengozi.

Terms of yokulungisa iimoto emva ingozi yemoto

Njengoko sele kukhankanyiwe, umnini imoto lingenako ukumamkela iintlawulo, yaye ukuba alungise imoto yakho mali i-inshorensi, oko kukuthi, enze ukulungisa kwi-CTP. Kodwa nantsi into ekufaneleke ukuba siyicinge loo nto ayithethi ukuba ukukhetha ivenkile yokulungisa imoto ngobuqu baze babeke esweni inkqubo yokulungisa. Kodwa ke musa ukuba ulinde ixesha elide ithuba labo.

Xa inkampani yeinshorensi ufumana ingxelo malunga nokuhlawula insurance premium, kufuneka anike le ndawo abachaphazelekayo ukuze alungise imoto. Ngale ndlela iboniswe yi masifundisane. Emva koko, kuyimfuneko ukufika kwesi sikhululo, apho imoto ziya kuvavanywa ze kuchazwe ixesha umsebenzi wokulungisa. Oku kwakhona inqaku kweli cala. Njengomgaqo, ingadluli kwiintsuku ezisixhenxe. Ixesha lisenokuthi litshintshwe ngesivumelwano ngamaqela kunye nesaziso imbopheleleko yenu kwinkampani ye-inshorensi.

Ngenxa yoko, kuphela umnini-moto unokugqiba enoba ukukhetha intlawulo yakhe insurance premium okanye nokulungiswa CTP. Yonke into ubuhle nobubi bayo.