Kuchotsa mgwirizanowo CTP: zikalata, maofesi, mawerengedwe a muyezo wa ndalama ndi inshuwaransi

Pakali pano, mwini iliyonse galimoto amadziwa kuti ngati inshuwalansi. Chinthu chofunika kwambiri mamangidwe ake kusankha bungwe odalirika. Aliyense dalaivala akhoza kulimbana ndi pamene muyenera kuthetsedwa oyambirira a pangano CTP. Kupanga izo zenizeni kwambiri, koma zingakhale zovuta kwambiri popanda chidziwitso cha intricacies onse a chilamulo. Komabe, ngati mutsatira malangizo ena, amene adzakhale pansipa, mukhoza kupeŵa mbuna ndalama zako kumbuyo popanda vuto.

General zokhudza kuchotsa oyambirira a mgwirizanowo inshuwalansi

Zifukwa mungafunikire Yokakamiza kuchotsa mgwirizano, kungakhale ndithu kwambiri Komabe, ngati iwo ayenera kwathunthu kutsatila malamulo mu mphamvu. Njira yokhayo mungathe kukwaniritsa chimene mukufuna komanso sapereka maloya chifukwa chokana wa insurer pa ufulu wanu malamulo.

Pambuyo pogamula mwambo onse malamulo, dalaivala ali ndi ufulu kulipidwa pamaso kuchuluka kwa malamulo, kupatula peresenti 23 a mtengo wa inshuwalansi, monga mlandu kampani ya inshuwalansi mokakamizidwa kupeza inshuwalansi akuda Union, komanso ndalama zokhudza kuchita malonda.

zikalata zomwe zifunika kwa kuchotsa

Kuchotsa CTP inshuwalansi mgwirizano - muyezo ndondomeko yofuna dalaivala ndi akonzedwa zina zolembedwa. M'malamulo a masiku ano ndi zofunika kukonzeketsera:

• chiphaso cha malipiro a ntchito inshuwalansi mu inshuwalansi ya;
• wapachiyambi mgwirizano;
• mgwirizanowo yogula / kugulitsa galimoto,
• ntchito chitsanzo muyezo pa kuchotsa oyambirira a inshuwalansi;
• chikalata aliyense kutsimikizira chizindikiro chako.

Uwu ndi mndandanda yaikulu ya zikalata zomwe ndi kuvomerezedwa. Komabe, malinga chifukwa kuchotsa, ndi inshuwalansi kampani ali ndi ufulu wonse kumafunsa zikalata zina. Choncho analangiza funsani oimira strahovalschika mndandanda mwatsatanetsatane za zolembalemba zonse zofunikira ndi kuwakonzekeretsa pasadakhale kuti kuthetsedwa kwa mgwirizano CTP kutha ndipo popanda ndikawapempha.

Nthawi zina, kungafunikire kuthetsedwa kwa mgwirizano inshuwalansi?

Pakali pano, oyambirira kuthetsedwa kwa CTP milandu zotsatirazi:

• imfa ya mwini galimotoyo;
• Lotha chiphatsocho wa insurer kugwira ntchito zake;
• ngozi ya galimoto imene galimoto walandira zoipa kwambiri kuonongeka ndipo sangathe kubwezeretsedwa;
• Mwini wa kusintha galimoto.

Nthawi zina, zotheka kuchotsa mokakamizidwa galimoto TPL inshuwalansi mgwirizano ndi insurer, koma kuchita Zikatero n'zochepa kwambiri, kotero kusiya pa iwo sizikupanga nzeru. Malinga chifukwa chimene dalaivala akufuna asanakalambe kutsirizitsa ntchito inshuwalansi ndi ntchito sanali inshuwalansi ndondomeko angayambe m'njira zosiyanasiyana. Motero aliyense milandu zotheka tiyenera kuziganizira payokha.

Car mwini imfa

Ngati mukufuna kutsirizitsa mgwirizanowo inshuwalansi chifukwa imfa ya mwini yovomerezeka galimoto, ndiye muyenera kukonzekera zikalata izi:

• wapachiyambi inshuwalansi mgwirizano;
• malisiti onse a malamulo;
• Kalata imfa ya mwini galimotoyo.

Pamene mabukhu onse idzakonzedwa, kokha ntchito kwa inshuwalansi kampani ndi kugonjera ofunsira.

Galimoto sangathe kukonzedwa

Ngati galimoto ali ngozi anali atakwatirana "moyo" kumawononga, zotuluka pa MTPL mgwirizano idzamalizira basi Komabe, kupeza malipiro ndalama za mwini makina ayenera kugonjera malisiti a malipiro a inshuwalansi mgwirizano pachiyambi.

Kuchotsa chiphatso cha insurer a

Ngati kampani ya inshuwalansi anatsirizika chilolezo, amene amalola kuti ntchitoyi, mfundo sukukhalakonso basi kwa inu sikutanthauza alibiretu zikalata ndi mawu. vuto ndi kulandira chipukuta misozi ndalama mu nkhani iyi kudzakhala kovuta kwambiri.

Kusintha mwini galimoto

Ndingatani kuletsa mgwirizanowo CTP pa kusintha kwa umwini wa galimoto kuti munthu wina zogulitsa kapena chopereka cha chuma? Pankhaniyi, kuthetsedwa kwa ndondomeko kumachitika m'njira muyezo Komabe, aliyense adzakhala ndi kuthana ndi mwini akale, deta imene imachitika kutchulidwa mgwirizano inshuwalansi.

kuchotsa ndondomeko: pamene ntchito?

madalaivala ambiri amachita chidwi ndi funso zobweza ndalama za inshuwalansi. Musanayambe zochitikazi milandu waukulu kulola kuthetsedwa kwa mgwirizano pakati dalaivala ndi insurer, komanso zikalata zofunika, koma pamene izo bwino ntchito?

Panopa inshuwalansi ndondomeko wotaya mphamvu zake malamulo kuchokera pamene dalaivala apilo ku kampani ya inshuwalansi, osati potsata kuthetsedwa ofunda ya mgwirizano. Choncho, ali osavomerezeka kuzengereza kuzipeleka ntchito, chifukwa zimakhudza malipilo ndalama. Kuti izo bwino, tiyeni tiyerekeze zinthu zimene galimoto anagulitsidwa mu April, ndipo mwiniwake woyamba galimoto ntchito kwa inshuwalansi kampani okha July. Pankhaniyi, kwa miyezi 4 palibe malipilo sadzakhala, ngati inshuwalansi ankaona chomveka.

zikalata zimene muyenera kusonkhanitsa?

Nthawi zambiri, ambiri makampani inshuwalansi kukana makasitomala awo n'zotheka kuchotsa oyambirira a inshuwalansi. Kusakhala imeneyi akulangizidwa kukonzekera phukusi la zolembedwa, womwenso:

• velveteen pachiyambi;
• ofunsira kuchotsa chitsanzo mgwirizano CTP anakhazikitsa;
• pasipoti kapena galimoto chilolezo;
• chiphaso cha malipiro a inshuwalansi;
• kope la TCP;
• Baibulo la kugula / zogulitsa mgwirizano, komanso ulamuliro chikalata kwa mwini latsopano;
• kope la Kalata imfa mu nkhani ya kupha eni woyenerera;
• kuchita nazo galimoto, ngati simungathe kubwezeretsedwa;
• zikalata zina akhoza apempha insurer a.

Ngati zikalata muli chirichonse mu dongosolo Komabe, akuluakulu a kampani ya inshuwalansi amakanitsitsa kuvomereza ntchito zanu kwa Kulipira za ndondomekoyi, tumizani iwo makalata olembetsedwa ku adiresi thupi la ofesi yaikulu. Pankhaniyi kampani sangathe chabe kunyalanyaza pempho lanu ndi adzayenera kupereka yankho boma.

Kodi chipukuta misozi cha?

M'malamulo panopa kubwerera kwa ndalama inshuwaransi udzachitika yomweyo pambuyo kuchotsa malamulo a mgwirizano adzachitidwa CTP. Ngati kasitomala yabwino kwambiri kukhala ndi ndalama kunditumiza ku nkhani yake banki, ndondomeko mwagwirizana zichitike mu masabata awiri yaitali.

Pankhaniyi, obwezeredwa pa kuchotsa inshuwalansi galimoto afika:

• olowa mwachindunji mwini wake wa galimoto mu chochitika cha imfa yake;
• za mwiniwake wa galimoto,
• Aliyense amene ali ndi mphamvu notarized a loya kwa mwini galimoto.

Malipilo kutsirizitsa mgwirizano inshuwalansi kumatengera zifukwa zingapo, mfumu pakati Umu ndi m'mene ndalama CTP. Pali chilinganizo yapadera imene mawerengedwe a chipukuta misozi.

Tikutsata ndondomeko za kuwerengetsa ndalama ndalama pa kuchotsa inshuwalansi

Inu amadziwa kale kubwerera kobiri inshuwalansi pa kuchotsa oyambirira Komabe, pa ndalama zingati mungayembekezere pa izi? Makampani a inshuwalansi kudziwa malipilo amakhala ndi chilinganizo zotsatirazi:

D = (P-23%) * (N / 12) komwe:

• D - malipilo;
• P - kuchuluka lolipiridwa ndi insurer mu mgwirizano;
• N - chiwerengero cha miyezi makuponi;
• 23% - zokhudzana ndalama, amene insurer lili ndi kasamalidwe mlandu wina kasitomala.

Motero, pachiyambi kutsirizitsa mgwirizanowo CTP, chitsanzo cha amene angapezeke pa webusaiti yovomerezeka ya insurer, kuti kupeza malipiro ndalama, n'zomveka yekha kukachitika kuti isanafike lotha wa n'loonadi ake amakhalabe kwa miyezi 6. Ngati mfundo wakhala umodzi kapena miyezi iwiri makuponi, kuthetsedwa sizimatanthauza, kuyambira malipilo zochepa kwambiri kuposa ndalama zanu okhudzidwa ziribe kanthu momwe ndalama CTP.

kuchotsa oyambirira CTP: Chiyani ngati ndalama samabwera?

Pali milandu, pamene dalaivala ali ntchito nthawi, konzani zikalata zofunika ndi malinga ndi malamulo inakhazikitsa kuchotsa mgwirizanowo inshuwalansi Komabe, malipiro a ndalama, masabata awiri sanalowe mu nkhani yake banki. Kodi kuchita imeneyi?

Sitepe yoyamba ndi kutsatira insurer ndi kuyesa kudziwa chifukwa cha mavuto pano. N'zotheka kuti zopelekazi chabe anachedwa. Ngati mfundo za malipiro zikutsimikiziridwa, palibe cholakwika ndi kuti, ndipo muyenera kudikira pang'ono. Komabe, mu kuchita, pafupifupi inshuwalansi akuda onse zikuwavuta kwambiri kutsirizitsa mgwirizano CTP ndi ndalama makasitomala. Pankhaniyi, muyenera kukopera malamulo ndi ntchito ndipo funsani Njinga inshuwalansi akuda Union. Thupi kudziletsa malamulo ndi chinkhoswe mu Kuthetsa nkani zochimwilana pakati zosiyanasiyana pakati pa madalaivala ndi inshuwalansi akuda, ndipo ali levers zambiri chikoka pa kampani, amene mokondera ntchito. Nthawi zambiri, pamtima bungwe amathandiza mwamsanga kukonza vutolo ndi malipiro pa kuchotsa inshuwalansi galimoto mofulumira kwambiri kuwafika addressee.

Nthawi zina, chipukutamisozi mfundo Kulipira si bwanji?

kuchotsa oyambirira a ntchito inshuwalansi ndi - ndi ufulu yovomerezeka nzika iliyonse Komabe, pali milandu kuchita malamulo, pomwe malipiro ndalama sinabweretse. Mmodzi mwa anthu ndi kuthetsedwa kwa kampani ya inshuwalansi. Mwachitsanzo, gulu la anali lithe chifukwa bankirapuse, ndi kulephera wake kuti akwaniritse udindo wake ndalama makasitomala. Pankhaniyi, lamulo wamasula insurer ya maudindo ake.

Mlandu wina wamba kutsirizitsa pangano ndi insurer chifukwa chakuti kasitomala watipatsa mfundo zolakwika. Komanso, ngati mwini galimoto akukonza ulendo wautali kunja, ndipo alibe zolinga nthawi iyi ntchito makina, malipilo nazonso ndondomeko monga Pankhaniyi palibe malo yovomerezeka obwezeredwa a. Kupewa nkhani zosasangalatsa kugwirizana ndi kuchotsa oyambirira a inshuwalansi, Mpofunika powerenga pangano pa kalembera wa mfundo MTPL.

Pomaliza

The ndondomeko ya kuchotsa mgwirizanowo inshuwalansi amagwirizana ndi mavuto ambiri ndipo si nthawi zonse popanda Mangirirani mahatchi kugaleta a. Ichi ndi chifukwa kwambiri mabowo m'malamulo Russian, zomwe kunyozeka ntchito inshuwalansi akuda oipa. Choncho, tiyenera nthawi zonse kupita kukhoti mu chochitika mavuto alionse. Monga mmene kumapeto, ambiri mayesero amene anapambana ndi inshuwaransi, chifukwa milandu wakonda kutenga udindo wa nzika wamba. Koma kuti monga izo sizinali, osataya mtima. Ngati inu mukudziwa kuti inu muli bwino ndi lamulo ali kumbali yanu, nthawi zonse amanena kuti mabungwe zogwirizana ndi malipiro a ndalama.