The kampani ya inshuwalansi Rosgosstrakh: MTPL ndemanga. malipiro MTPL mu nkhani ya ngozi (Rosgosstrakh): Ndemanga

Anthu ambiri masiku ano amaganiza za kukapanga kunja ndi inshuwalansi ku kampani Rosgosstrakh. Reviews a CTP ndi maganizo ndithu, makamaka chifukwa chakuti anthu ambiri sachita thandizo la makampani apadera inshuwalansi, monga iwo yofunika kuti inshuwalansi anabisika kwa iwo mu mogwirizana chipinda. Komabe, anthu ambiri sakudziwa nkomwe momwe angachitire pambuyo ngozi.

Ndi chiyani icho?

Pankhani inshuwalansi mokakamizidwa ambiri timakumbukira Rosgosstrakh. Ndemanga pa CTP, komanso yaikulu malonda ndawala kuti mtundu kuzindikira mokwanira, koma ambiri akuganiza kaya kuchita lamuloli ndipo kaya ndi kupanga mu khamu akufuna.

CTP inshuwalansi ndi Madongosolo mwini aliyense magalimoto. Mbali yaikulu ya inshuwalansi izi kuti kumawononga ndi zomvetsa anachititsa kuti galimoto kapena okhalamo ake thanzi, ikuchitika kukachitika kuti munthu inshuwaransi ndi udindo ngozi. Tariffs pa mfundo anapereka boma, ndipo ngati woyendetsa si malamulo, ndiye njira yopita ku izo ndikoletsedwa kuonekera. M'mawu ena, makampani chilichonse (kapena, pafupifupi, ankafunika kupereka) kufunika yemweyo, ndipo sikuti ntchito kwa Rosgosstrakh. Ndemanga pa CTP makampani ena ambiri pafupipafupi zoipa koma mfundo za mmene zinthu ziliri pa malonda a inshuwalansi kotero, kuti sizingatheke kukwaniritsa ubwino popanda vuto.

Kodi malipirowo?

Chinthu chofunika kwambiri kuti muyenera kuphunzira za CTP - ndi kuti malinga ndi ndondomeko ndi malamulo kumawononga ndi zomvetsa mwawagwetsera makamaka ndi gulu lachitatu, ngati galimoto kapena moyo ndi thanzi m'basimo amene anali mmenemo. Insuring udindo wawo boma, pa nthawi ya mlandu inu kwathunthu kutaya nkhawa iliyonse za kuwonongeka, ndi kuti njirayi imapereka inshuwalansi Rosgosstrakh. Ndemanga pa CTP kuti kuvomerezedwa mfundo kulembetsa ndi zofunika kwambiri, monga imfa ya munthu wosalakwa ungakonzedwe posachedwapa.

Pankhaniyi, galimoto ya inshuwaransi munthu komanso moyo wake, thanzi kapena katundu si kutetezedwa mu njira iliyonse malinga inshuwalansi lapansi. Malipilo kuwonongeka anavutika ndi inu, adzakhala kale chichitike ndalama, kapena, mu nkhani ya kalembera wa kampani CASCO inshuwalansi. Ndi chifukwa chake palibe chifukwa zoti kuti apereke mfundo n'kofunika, imangokhala yokha kusankha - kuchita izo ku kampani inayake kupita mayitanidwewo, zomwe zimapangitsa inshuwalansi kampani Rosgosstrakh. Reviews a CTP kuti kapangidwe alumikizana, kuwonjezera ziyenera kuperekedwa Mulimonsemo.

dalaivala aliyense azipereka awo udindo inshuwalansi ndondomeko chida, kapena tiyenera kulowa mu mfundo yotero. ulamuliro amenewa ngakhale ngati chabe anagwira ulendo galimoto ku Chipinda Cowonetsera kuti malo a kalembera, ndipo nokha Pankhaniyi zochitika komwe kulibe zofunikila pa chiwerengero cha anthu mu MTPL inshuwalansi kuti akhoza kuyendetsa galimoto, ndi njirayi chilinso ndi inshuwalansi kampani Rosgosstrakh. Reviews a CTP wa mtundu uwu kukusonyeza kuti, mfundo wamba galimoto mwini si koyenera.

Ngati mulibe nazo mfundo MTPL, mulibe ufulu kuyenda panjira, ndipo nthawi yomweyo simungathe ngakhale kukhala ku boma galimoto yanu mu apolisi apamsewu. Komanso, mavuto dalaivala ameneyu amafunika kukachitika kuti likhoza ngozi, kungoti sangathe kupereka chikalata ichi.

Ngati mukuyendetsa, nthawi zonse muyenera kupezeka ndi choyambirira cha kalatayi, kaya imathandiza kampani ina kapena akadali Rosgosstrakh. Ndemanga za malipiro MTPL amanena kuti ngakhale akhale otsika (malipiro lonse ndi zina zofunika "kukoka" m'litali mwa Kuthi ndi), koma makamaka zochimwazo kumathetsa vuto la dalaivala kapena madalaivala kuti pokhala magulu ngozi ndi vuto lanu. Ngati mfundo muli nacho, koma mungonena aiwala kunyumba, ndiye Woyang'anira angatumize galimoto yanu kwa mapaundi galimoto, komwe kudzakhala kotheka kukatenga okha nkhani ya kupereka chikalata ichi.

malipiro inshuwalansi

Malinga ndi malamulo panopa ndi Lamulo kwathunthu ndi mfundo zina kumawononga mbali kuti ataya ndi chifukwa ngozi kapena pakutchulidwa zina Mulimonse inshuwaransi, mwachitsanzo, mu nkhani iyi, malamulo inakhazikitsa osati Rosgosstrakh. Ndemanga za malipiro MTPL amati zimenezi si nthawi zonse analemekeza, ndipo nthawi zambiri ndi poyerekeza malipiro chogwirizana.

Lamulo inakhazikitsa pazipita zotheka malire a ndalama MTPL, mkati limene inshuwalansi kampani kwathunthu kusamutsa anavulala munthu malipilo kapena kugwira pa kukonza yake ndalama kuchira galimoto maonekedwe ake apachiyambi.

Komanso malinga ndi malamulo panopa amapereka kwa chiwerengero cha mavuto awononga chifukwa cha vuto la munthu inshuwaransi, sungakhoze basi kulipidwa mothandizidwa ndi inshuwalansi kampani Rosgosstrakh. Reviews a CTP (Moscow) Ndi zoziwika bwino kuti muyenera patsogolo kumvetsa intricacies izi kuti amafuna malipiro ku kampani ya inshuwalansi, pokhala wotsimikiza kuti iye anali kulondola.

nthawi

Mu namtindi wa milandu CTP ndi chikalata kwa chaka chimodzi, koma zoona ndi zotheka kuti apereke malamulo kwa miyezi itatu, ngati n'koyenera. Ngati muli nazo galimoto imene yakhala mayina kunja, koma ntchito ku Russia, ndiye mu choncho muyenera formalize mfundo imeneyi kwa nthawi ya ntchito zosakhalitsa galimoto (osachepera masiku 15 mu gulu lirilonse, kuphatikizapo Rosgosstrakh). Insurance kampani (CTP kasitomala ndemanga - gwero) safuna kuti apereke lamulo pa nthawi ino ndi zoika yaitali, koma kwenikweni muli ufulu wokatenga ndi "ziwiri sabata" ndondomeko.

mtengo wa

Mosiyana alumikizana, ndi mtengo umene siyana kwambiri ku kampani kwa kampani, malingana ndi mtengo ndondomeko zawo, mtengo wa CTP chili ndi anatsimikiza mogwirizana ndi koefishienti ndi tariffs ofunitsitsa ndi boma. Ndipotu, lamulo limeneli ndi kuonetsetsa kuti kampani ya inshuwalansi alibe mwayi kwa understate kapena overstate mtengo wa malamulo, ngakhale opangidwa kuchokera galimoto inshuwalansi MTPL (Rosgosstrakh). Reviews kuti, mfundo, kampani likumanenso n'kofunika, koma, monga momwe tafotokozera pamwambapa, kuwonjezera phindu zambiri tikupempha kugwiritsa ntchito zithandizozi zina.

Palokha, mtengo wa CTP aliyense dalaivala anatsimikiza mosiyana ndi n'komwe mu nkhani iyi chikhomo galimoto inshuwaransi, galimoto zinachitikira pa mbali ya mwini galimotoyo, kudera kumene galimoto chingagwiritsidwe ntchito, komanso zinthu zina zambiri Pamudzi. Aliyense osiyana chizindikiro mmodzi anapereka kuwonjezera kapena kuchepa koyefishienti amene buku ndi mokwanira mwamphamvu malamulo osiyanasiyana boma malamulo.

Kodi malamulo?

Poyamba, malamulo amayenera chimodzi chokha njira kuthetsa - wolakwiridwayo, amene anataya katundu chifukwa cha ngozi si vuto lawo, izo anafunika kugonjera pempho kwa inshuwalansi kampani munthu amene anachititsa kuwonongeka. Koma posachedwapa, anaganiza kuti musinthe zinthu zina pa ndondomeko chopezera inshuwalansi chipukuta misozi kwa ndondomeko chopezera ndalama pamene chochitika inshuwaransi sizinali choncho zovuta. Malinga ndi kusinthidwa izi, ngati mu njira ya ngozi sizingawononge thanzi la munthu akhala ntchito, chotero anamvera kwambiri zinthu zina, kufunafuna chipukutamisozi kuwonongeka zikhoza kukhala kuti insurer anu, monga ntchito ulamuliro "kumawononga mwachindunji". Komanso, ngati kuwonongeka si oposa 50 000, mu nkhani iyi musati ngakhale ayenera kuitana apolisi magalimoto, ndipo angagwiritsidwe ntchito otchedwa protocol European.

Kuphunzira ofunsira malipilo ndi inshuwalansi kampani imatengedwa kwa zosaposa 20 masiku, ndipo n'kofunika kuti tiganizire kamangidwe ka mfundo, ndipo ngati muli ndi chibwenzi ndi Rosgosstrakh (CTP). Reviews wa eni malamulo kuti nthawi zambiri akuchedwa yaitali mu kulingalira choncho n'kukumana ndi chakuti kampani wakhala zosavuta kulanda malipiro zonse ngati poyamba anakana chokwanira. Tisaiwale kuti tsiku lililonse la kuchedwa mu inshuwalansi kampani kulipira wabwino wokwanira 1/75 mbali ya refinancing wa Bank ku Central kuchuluka kwa kuwonongeka.

Ufulu umene tikuuzidwa pa malire chapamwamba ubwino inshuwalansi zambiri zotsatira kuti silingafotokoze ndalama zonsezo cha kuwonongeka udindo inshuwalansi chida Rosgosstrakh. ndemanga mwina kudziŵika kuti ngati zotsatira za kulephera kwambiri zowononga, ndiye kusiyana lonse pakati pa kuwonongeka ndi malipiro ku kampani ya inshuwalansi adzakhala ndi kubwezeretsa okha. Pachifukwa ichi tikulimbikitsidwa kuti boma monga zina mfundo imodzi DSAGO, amene amalola kuti kulipira chilichonse.

Kodi osavuta kuti onse?

Koyamba, anthu ambiri amaganiza kuti tingati palibe "gotchas" poyerekeza ndi Hull, koma kwenikweni, ngakhale zili choncho, sitiyenera amangotchula ndi kusankha moona odalirika ndi udindo inshuwalansi kampani, chifukwa palibe adzachichita m'malo mwa iwe. Ngati inu mwadzidzidzi kupeza nokha udindo ngozi, muyenera kwathunthu indemnify, ndipo palibe kusiyana pa momwe inu chingathandize insurer kapena ayi - kuchuluka kwa chipani anavulala uyenera kulipiridwa zonse, kotero chiwerengero cha anthu anaphedwa mu inshuwalansi kampani Rosgosstrakh. Reviews a CTP kuti njirayi ayenera kulankhula bwinobwino, ngati mukufuna thandizo kwenikweni kwa insurer lanu likhoza zikachitika.

Komanso Dziwani n'chakuti Mulimonsemo, akatswiri amalangiza kusankha ndondomeko ndi owerengeka anthu mu inshuwalansi, monga timatha kupulumutsa pa mfundo ndi chikalata.

Kodi ubwino wa Rosgosstrakh chiyani?

Palokha, kampani wakhala m'munda umenewu kwa zaka zoposa 90, choncho amatitsimikizira angakwanitse kwambiri ndi khalidwe inshuwalansi, mosasamala chimene mukufuna - DSAGO, CASCO kapena MTPL inshuwalansi. Rosgosstrakh, ndemanga akutitsimikizira izi, mfundo amapanga ndalama pafupifupi nthawi zonse, koma pali mavuto ambiri okhudza ndalama, komanso mitundu yonse ya kuchotsera ndi ntchito zina, yoyamba si n'komwe, ndipo chachiwiri - ndi woyikidwa, koma kawirikawiri anapereka.

kampaniyo posachedwapa unkatchedwa kulembetsa amagetsi a ntchito ndondomeko ndi thandizo makasitomala. Iwo ananenanso mawu a kampani Rosgosstrakh. CTP Pankhaniyi lili ndi siginecha zamagetsi ndipo patapita tidzakambirana chomveka chimodzimodzi monga chikalata muyezo pepala, ndi wokwanira kusindikiza chabe.

Kodi ntchito?

Ngakhale ngati inu kale kutsimikiza MTPL kampaniyo, inu mukhoza kugula mfundo imeneyi, atalandira ndi chikalata pakompyuta kudzera pawebusaiti yovomerezeka ya kampani. Mwachidule lembani deta, kulenga mwa nkhani ako dongosolo malipiro, kenako inu kupatsidwa amagetsi inshuwalansi. Komanso, kampani amatipatsanso ogula mwayi kulembetsa Intaneti CTP, koma kenako kulandira chikalata pepala ndi kale mmodzi wa ofesi nthumwi mu mzinda wanu.

Dziwani kuti nthawi ya pa Intaneti kugula inshuwalansi ndi kuthekera chikalata pepala amaperekedwa yokhudzana ndi anthu likulu ndi St. Petersburg, kuphatikizapo malo a mizinda.

Ngati mulibe ntchito kugwiritsa ntchito kompyuta kapena musaikhulupirire amakonda njirayi kulankhula, mu nkhani iyi mukhoza mukaone maofesi ambiri kudutsa dziko ziribe kanthu chimene mzinda muli. Komanso, kampani amatipatsanso utumiki kuitana ndi wothandizila inshuwalansi mu ofesi kapena pakhomo, amene adzayankha funso lirilonse mwa mafunso anu, komanso kutenga inshuwalansi mu malo vuto la kusowa. Mukhozanso kufunsa za malipiro MTPL mu nkhani ya ngozi (Rosgosstrakh). Reviews kumene, angakuuzeni zambiri za ndondomeko, koma wothandizila, mukhoza kuphunzira malamulo zikuluzikulu ndi kuwerenga mbali pangano inu.

Dziwani kuti, kumadzipangitsa inshuwalansi, mulibe kungofika pepala, ndipo ali ndi ufulu kulandira malipiro kukachitika kuti angakhale ndi udindo ngozi. Online utumiki zimathandiza makampani kupanga ndondomeko monga omasuka ndipo mwamsanga monga mwa akaunti yanu pa webusaiti boma, inu nthawi zonse fufuzani udindo wa Paymaster choncho kapena mawu akuti chochitika inshuwaransi amapezeka.

kusintha zothandiza malamulo

Pali zingapo kusinthidwa zothandiza malamulo kuonedwa kuti mu ndondomeko ya kulembetsa za ndondomekoyi:

• pazipita zotheka kuwononga katundu 400 000, koma lamulo limeneli amangonena za mapangano amene ochokera pambuyo 10.01.2014;
• pazipita zotheka zoipa thanzi kapena moyo pambuyo ngozi kuti 500 000 rubles, koma mphatso imeneyi ndi zogwirizana okha Mapangano anaphedwa pamene 04.01.2015;
• chipukuta misozi ukafunidwe mu inshuwalansi anu ngati ngozi ophunzira anthu awiri okha, ndipo nthawi yomweyo kuwonongeka amayambidwa yekha magalimoto, pamene zinthu zina, kale ntchito mwachindunji kwa inshuwalansi kampani ya munthu amene ali ponena za ngozi;
• pazipita zotheka kuchuluka kuwonongeka, malinga ndi zomwe n'zotheka kulankhula ndi inshuwalansi kampani popanda kuitana apolisi magalimoto, ndi 50 000 rubles, ngati madalaivala onse mapangano MTPL anali anasaina pambuyo 02.08.2014;
• akuti kuthetsa mafunso onse pambuyo polandirira msonkho ntchito masiku 20, ochuluka akuyamba atangotha kupereka wathunthu zolembedwa phukusi, ndi nthawi imeneyi kampani ayenera kutumiza anakambirana chokana kutitsogolera kuti tikonze kapena kugwira malipirowo;
• ngati inshuwalansi kampani pali mgwirizano ndi siteshoni akatswiri yokonza, mu nkhani iyi, wozunzidwayo akhoza kusankha pakati mwamsanga ndalama, komanso malangizo a galimoto yake kwa kukonza kukachitika kuti mgwirizanowo CTP iwo pambuyo 09/01/2014.

Malamulowa amagwiritsidwa ntchito ngakhale kuti simukulembetsa ndi Rosgosstrakh OSAGO. Umboni wokhudzana ndi kasitomala umanena kuti kutsatila malamulo aliwonse ayenera kuyang'aniridwa mwatcheru kuti pokhapokha ngati pakhale milandu iliyonse, zingakhale zophweka kuti muteteze mlandu wanu.

Lamulo la inshuwalansi yothandizira inshuwalansi ndilololedwa, kotero muyenera kulikonza mwanjira ina iliyonse, mosasamala kanthu kuti mumasankha Rosgosstrakh kapena kampani ina iliyonse. Pankhaniyi, ndikofunikira kudziwa kusankha kwa wothandizira wodalirika amene angakhale wokonzeka kuthana ndi vuto lililonse ndikulipira ndalama malinga ndi lamulo.

Mulimonsemo, ndi bwino kugula ndondomeko zokhazokha m'ma makampani odziwika bwino, chifukwa ziwerengero zasonyeza kuti pafupifupi 2% mwa nambala yonse ya ndondomeko ndizochinyengo (gwero - Rosgosstrakh, OSAGO, OMSK). Kawirikawiri kafukufuku amanena kuti ngati mutagula ndondomeko mu kampani yosadziwika, mukhoza kuthetsa mphamvu, mitsempha ndi nthawi pamene mukupezeka kuti pangakhale ngozi yapamsewu.

Ngati simukudziwa kuti inshuwalansi yanu ndi yeniyeni, mukhoza kuiwona ngakhale pa intaneti pa PCA.

Ndipo kumbukirani kuti OSAGO samateteza galimoto yanu, imateteza udindo wanu kwa madalaivala onse. Ndicho chifukwa chake ndi bwino kupanga pulogalamu ya inshuwalansi ya CASCO yosiyana.