Kodi kugula CTP popanda inshuwalansi moyo?

Posachedwapa madandaulo Russian za makampani kuti agulitse inshuwalansi avtograzhdanki. Kugula CTP popanda inshuwalansi moyo kuli kovuta. Komanso, kuti mu October 2014 Bank ku Central zasintha tariff, chifukwa inshuwalansi akuda akadali amakana kugulitsa ndondomeko oyera. Kodi kukhala imeneyi?

Akamanena za vuto

Total mu Russia pali 104 kampani ya inshuwalansi kuti chiphatso kugulitsa CTP. Kodi ndili ndi inshuwalansi moyo pa kulembetsa chifukwa cha msonkhano uno? Pansi pa lamulo - palibe. Komabe, kugula ndondomeko "mawilo" ndi zosatheka. Nthawi zambiri, antchito amatchula kusowa mitundu. mfundo yomweyo kukana mu PCA: mavuto ndi zikalata insurer si ndi sindingakhoze. Makampani ena sizipanga kunja mfundo choyera popanda kumsonkhano, onse amene kumatenga miyezi awiri kapena atatu. Monga momwe vuto akupereka kugula inshuwalansi angapo yomweyo. ndalama chinawonjezeka ndi nthawi 2-2.5. Zimenezi Kodi singakwaniritse ambiri ku Russia. Ngakhale ena amavomereza kuti overpay zikwi zingapo, osati kuima adzalandire mawonekedwe.

chifukwa

Kusafuna za tys.davat CTP popanda inshuwalansi moyo sizinayambe kunja kwa buluu. ganizo limeneli kunachititsa zomvetsa anakhumudwitsa chifukwa kutambasuka kwa lamulo ogula chitetezo inshuwalansi msika. Kuchuluka chiwerengero cha makasitomala osakhutira kukhoti. The profitability makampani wagwa zikuchepa.

zotsatira za chuma

Malinga Union ndi Russian a inshuwalansi akuda, mu 2014, 102 makampani anasonkhana premiums kwa mokakamizidwa galimoto TPL inshuwalansi kuchuluka 150 biliyoni 292 zikwi. Rubles, lomwe ndi 11.2% kuposa mu 2013. Pa nthawi yomweyo malipiro analipo 88, biliyoni 816 rubles. yofunika kwambiri imeneyi nyimbo ndi kuwonjezeka mu chiwerengero cha Bank wa Central. Choncho, kuchokera 10.01.2014, mtengo osachepera inshuwalansi CTP ndi 2440 rubles ndi pazipita - 2574 rubles. Uwerenge malipiro komanso kuchuluka: .. Pakuti katundu - 400 zikwi rubles kwa kuwononga moyo ndi thanzi - 500 zikwi rubles ..

The zinthu zovuta msika

The PCA amakhulupirira kuti kuwonjezeka tariffs anawoloka mavuto a zachuma. Kuwonjezeka malipiro pafupifupi adzachititsa makampani kusiya msika. Ambiri kusiya ndi zigawo vysokoubytochnyh chifukwa mavuto mkulu. Mu malo awo ndi inshuwalansi akuda oipa. Avtovladltsy mpaka inu mukumverera kusiyana kwakukulu, chifukwa amalandira ndalama kuchokera ku thumba. Koma ngati inu kutha PCA, kenako nkubwerera dismantling panjira.

Malipiro a mgwirizano analowa mu nthawi inshuwalansi ndi angayambe ena. Zikatero, kampani amakhala gawo. Iwo nkhani mu ntchito, koma si monga phindu. Ovomerezeka ophunzira msika amakakamizidwa azilipira imfa ya makampani zinatha. Komanso, mbali ya umafunika ndi anabwerera insurer a. Choncho, kuyembekezera chifukwa chuma, monga kusiyana premiums ndi zonena, ndi lolakwika.

Akuluakulu mbali kasitomala

The otere anagwirizana ntchito. Ndi chiyambi cha 2014 bungwe analandira madandaulo 700 ndi 20 makampani m'madera 46 m'dzikolo, amene amalowerera inshuwalansi moyo. CTP chovuta kugula "Rosgosstrakh" - wosewera waukulu mu msika. M'dera Sverdlovsk ndi kampani yatsegula kufufuza milandu nkhanza za udindo, amene agonjetsa chabwino mu osiyanasiyana 1-15% ya malipiro MTPL. Mu 2012, chithunzi ichi anakwana biliyoni 1.6 rubles.

The otere tidzapeze pakufalitsa. Onse analankhula kwa kuyenderako wotumidwa chikumbutso pa mmene angathetsere mwankhanza ndi. Makamaka njira imodzi chiri motere: ngati kampani ananena kuti kusapezeka kwa mitundu, muyenera kutumiza kalata m'kaundula (palibe pasanafike mwezi umodzi lisanathe mfundo) ndi zidziwitso imene pempho kuti kulemba pangano latsopano. The insurer mwina ayi.

oloŵa

The IDGC mungagule mfundo CTP inshuwalansi ndi moyo, koma pokhapokha kasitomala ali buku la mwini pasipoti galimoto. Mu malamulo, zikalata izi zifunika kuti kalembera za ndondomekoyi:

1. yofunsira mapeto a mgwirizano.

2. pasipoti (kwa anthu) kapena kalata ya boma kulembetsa a mabungwe alamulo.

layisensi 3. galimoto.

4. TC pasipoti.

5. matenda Khadi, kutsimikizira Ndime ya mayeso.

Mu ena makampani, kwa makasitomala pa msewu kudzipatula m'mawa ntchito. Makamaka, "RESO-Wotsimikizira" zikhoza kugulidwa CTP popanda inshuwalansi moyo chisanafike akuimira pansi-nduna tsiku kuposa wina. Malinga ndi maganizo makasitomala, munthu utumiki kwa ola. Malinga ndi kafukufuku, njirayi amatenga mphindi 30. nthawi ndi okwanira kuti alembe papepala ndi kuona magalimoto. Mu malamulo, ndi insurer ali ndi ufulu kuchita. Funso lina ndi pa pempho la kafukufuku makasitomala ziyenera kuperekedwa pa malo okhala wake. Mosakayikira kugula CTP popanda inshuwalansi moyo ndi musati zikuchitika ndi khadi matenda. Koma pena paliponse. Ndipo ndalama pa 800-900 rubles kwambiri. Choyamba makampani utoto kwa miyezi ingapo pasadakhale. Kuti imathandizira ndondomeko kungakhale njira zofanana - malamulo ambiri anapeza yomweyo.

N'chifukwa chiyani ndikufunika inshuwalansi moyo

Palokha, mankhwala ndi zothandiza kwambiri. Iye amapereka ena chitsimikizo kuti ngati ngozi ndalama zonse za mankhwala ndi ayambe kampani inshuwalansi kulipira. Pano ku Russia msonkhano uno mwangwiro kwawo. Kuvomerezedwa inshuwalansi moyo si mayina a lamulo lomweli boma pa CTP. Choncho, ambiri galimoto eni amadzinenera zochita n'kosaloleka makampani anali chifukwa. Kuwonjezera zochita zabwino, ndi Supreme Court chigamulo ali woyikidwa chabwino pa infringer mu kuchuluka kwa 50 zikwi. Pakani. Akhudzidwa kwambiri "Rosgostsrah".

Bank of ziletso

Kumapeto kwa May 2015 ndi yang'anira ali woyikidwa yosaloledwa chilolezo cha kupelekedwa ndi "Rosgosstrakh". Companies aletsa kulowa MTPL pangano latsopano kapena kusintha anthu alipo. Mu nkhani iyi, insurer ayenera kukwaniritsa udindo pansi zikalata poyamba lalembedwa.

Ngakhale chiletso, ndodo anapereka kubwera ku ofesi ya mapeto a mgwirizano CTP. anthu thupi angatanthauze kwa ndondomeko mwachindunji Intaneti. Bank chapakati anafotokoza chiletso ndi kuyan'anila chachikulu malamulo wogwila, makamaka kukana kulipiritsa makasitomala kuchotsera kwa yopuma-ngakhale a imposition a ntchito zina.

Kodi ana amakumana ndi chosowa avtograzhdanki?

Chilamulo Federal "Pa Yokakamiza" anati mwini wake wa galimoto pasanathe masiku 10 kuchokera tsiku yogula chofunika kutsimikiza udindo wawo boma. Pakuti kuphwanya mawu anakumana ndi chabwino cha $ 8 zikwi. Rubles. Mwa njira, CTP Manga zina ndi mtengo. Kuwonjezera chakuti popanda malamulo kupeza kumeneko pamaso woyamba wapolisi wamagalimoto, momwemonso malire a dziko samamvetsa mtanda. Mu chochitika cha ngozi kutsutsa zonena zonse za alonda magalimoto apolisi (makamaka pa chosowa mfundo kwa dalaivala) n'kofunika kudzera m'makhoti. Koma ndi bwino kuti moyo pachiswe ndiponso kuphunzira pasadakhale bwanji kukonza MTPL popanda inshuwalansi moyo.

maphunziro

Yambani kuchita nkhani mfundo kapangidwe sayenera tsiku kapena awiri pamaso pa mapeto a mgwirizano, ndipo kwa miyezi ingapo. Monga mchitidwe limasonyeza chisankho "ndi mawilo" vuto ndalama kangapo mtengo kwambiri.

Muyenera choyamba kulembetsa kugonjera ntchito ndi makampani asanu sikisi nthawi yomweyo - pa nthawi zosiyanasiyana. Choyamba, amanena insurer, amene analandira mfundo m'mbuyomu. Pali mwayi ka nkhani watsopano pa palibe markups zina.

Ndiye ndikofunikira kuti akonze galimoto chifukwa kuonera. Ngakhale, ndi malamulo, chilango CTP popanda inshuwalansi moyo ikuchitika ndi khadi matenda omwe akutsimikiza mfundo za kudutsa kuyenderako, makampani ambiri musamwenso, napempha Kupenda payekha. Ali nacho icho. Choncho, chisanadze ofunika osachepera kutsuka galimoto.

Mu "Tsiku X" pa nthawi yoikidwiratu. Ngakhale misonkhano itatu kubudula pa munthu wina, zizichitidwa. Ambiri mwina, munthu aliyense sadzayang'ana pa galimoto, ndipo pomwepo akatulutsidwa ndondomeko oyera.

Izi ndi yotsika mtengo, koma pa nthawi yomweyo, njira yaitali.

Njira yachiwiri - kugwiritsa ntchito makalata

Yofunsira kulembetsa za ndondomekoyi akhoza kulembedwa osati nthambi ya kampani ya inshuwalansi. Iwo akhoza kutumiza ndi makalata ndi zindikirani chiphaso analembetsa kuti adiresi ya ofesi yaikulu. Mu njira iyi akulangizidwa kugwiritsa ntchito fase. Atalandira chidziwitso ku positi ofesi kuti phukusi anapereka, mukhoza kupita ku ofesi ndi akatunge mgwirizano. Ndiye ogwira ntchito sangathe kungotanthauza chakuti pepala kudzaunikidwa pamwezi, kapena kuti "mulibe Nawonso achichepere a."

Kodi kugula CTP popanda inshuwalansi moyo: losatheka kuti kwambiri

Ziribe kanthu momwe ndondomeko ambiri lomwelo anthu nthawi, sikuti kunja, dongosolo malipiro aliyense wa iwo chikalata payokha. Ngati simuli mantha momveka yaitali kugwirizana ndi utumiki chitetezo kampani (ndi zambiri m'mautumiki chapakati), kapena co-ogwira ntchito, mukhoza kugwiritsa ntchito njirayi. Choyamba, osalola kugula CTP pamodzi ndi mtundu wina uliwonse wa inshuwalansi. Dikirani mpaka kapitawo adzakhala apereke njira zonsezi ndipo apereke dongosolo malipiro. Ndiye lowani chiphaso cha kupereka CTP, koma likuvutika mfundo yachiwiri tinganene kuti asinthe mtima. sizofunika kuitana apolisi m'Zolemba. Ndipo bwino - adzaitane ozimitsa yokha. Atangofika mabungwe yazamalamulo ntchito nthambi adzakhala inaimitsidwa Akuyembekeza mafotokozedwe a zochitika mlanduwo. Iwo m'pofunika kuti yomweyo kuchititsa kujambula covert kanema kuti pamene mafunso akanakhoza kutsimikizira wosalakwa.

Pomaliza

Mtima wa makampani kupanga phindu Ndizomveka komanso kulephera kwa makasitomala kulipira ntchito sizigwiritsa ntchito. Zamkatimu CTP popanda inshuwalansi moyo mu Russia ndi zoona, koma kudzatenga nthawi yambiri. Choncho muyenera kuyamba kukonzekera pasadakhale: kusankha 5-6 makampani kukonza galimoto ndi miyezi 2-3 kuti mfundo ankasirira.