Chii chekuita kana kambani yeinishuwarenzi yakabhadhara zvishoma kune OSAGO?
Zvinoenderana nemutemo weRussia, varidzi vemota dzepamba vanofanirwa kuburitsa OSAGO mutemo. Chii chinonzi OSAGO, isu takatonyora paVodi.su, iyi ndiyo inishuwarenzi yedu yemhosva. Kureva kuti, kana ukapinda mutsaona ukakuvadza pfuma yomumwe munhu, muripo kumunhu akakuvadzwa hauzobhadharwi newe, asi nekambani yeinishuwarenzi.
Asi zvinowanzoitika kuti makambani einishuwarenzi haabhadhare mari iyo mutyairi aitarisira, saka iwe unotofanira kubvisa muhomwe yako kana kutsvaga nzira dzekuita kuti kambani yeinishuwarenzi iongorore zvakakwana kukanganisa uye kuripa zvizere.
Rangarira kuti kubvira 2015 inotevera miganho paOSAGO yanga ichishanda:
- kurapwa kwevakabatwa nenjodzi - kusvika ku500 zviuru rubles;
- kubhadharwa kwekugadzirisa motokari - 400 zviuru rubles.
Mukati memazuva mashanu mushure metsaona, unofanira kunyatso zadzisa uye woendesa magwaro kuUK. Kuti uite izvi, zvinokurudzirwa kuti ufonere pakarepo mumiriri wako weinishuwarenzi uye anozovapa zvinoenderana nemitemo. IC inosungirwa kubhadhara mari yacho mukati memazuva makumi maviri.
Hongu, mutyairi wese ane mhosva yetsaona anoda kuti OSAGO ibhadhare mari dzese dzekugadzirisa mota kana kurapa munhu akuvara. Asi chii chaunofanira kuita kana pasina mari yakakwana, uye iwe usingadi kubhadhara yako, kana usina mukana?
Funga nezvenyaya iyi pane yedu autoportal Vodi.su.
Kuenzanisa kwezviito
Pane nzira yakanyatsotsanangurwa inobatsira kuwana kubva kuUK kwete chete kudzoreredzwa kwemitengo chaiyo yekugadzirisa, asiwo mitengo iripo, uye dzimwe nguva kukuvadzwa kwetsika:
- risiti yemushumo weinishuwarenzi chiitiko nekuverenga uye nyanzvi yekuongorora - mukambani yeinishuwarenzi iwe unofanirwa kugovera gwaro iri, sezvo chirevo chakadaro chakabatanidzwa muchibvumirano;
- kubata yakazvimiririra nyanzvi Bureau yekuongorora chaiko kwekukuvadza;
- kuisa chikumbiro chisati chatongwa neUK;
- kuenda kumatare.
Pakutanga kuona, zvese zvinoita sezviri nyore, asi pane dzimwe misungo, saka tinotarisa pazviri.
Chekutanga, kugadzirisa hakufanirwe kutanga kusvika wawana muripo.
Kana iyo yakakuvara bato isina mukana wekumirira mazuva 25-30, semuenzaniso, vanhu vakakuvadzwa kana kuti vanoda mota yekuita bhizinesi, zvino edza kuchengeta risiti, uye zvakare kutora mufananidzo mota yakakuvadzwa kubva kumakona akasiyana.
Chiitiko chechiitiko cheinishuwarenzi chinodhirowewa nemumiririri, ipapo nyanzvi inotora mhedziso uye inoratidza huwandu hunodiwa pakudzorerwa kwemotokari. Ndapota cherechedza kuti mutengo wekudzorera unoratidzwa uchifunga nezvekusakara uye kubvarura kwezvikamu. Ndiko kuti, kugadziriswa kwemhando mbiri dzemotokari dzakafanana, asi kwemakore akasiyana ekugadzirwa, hazvizove zvakafanana - kudzorera motokari itsva kunodhura zvakawanda.
Izvo zvakakosha kucherechedza kuti kazhinji vatyairi havatarise dhigirii rekupfeka kwezvikamu uye vanofunga kuti UK haibhadhare yakawedzera. Mukuwedzera, kana motokari isingakwanisi kugadziriswa, saka munyaya iyi iwe haugone kuwana iyo yakawanda inokwanisika mari mumaoko ako, sezvo UK inotenda kuti muridzi wacho haazorasiki, asi anozoitengesa kune zvakasara. Saizvozvo, kambani yeinishuwarenzi ichawedzera mutengo wezvikamu zvichatengeswa, uye nekudaro kubhadhara zvishoma pane zvazvinofanira.
Kuongororazve kwakazvimirira
Kuva mumaoko ako chiitiko cheinishuwarenzi chiitiko, kuverenga uye maonero enyanzvi, iwe uchabata yakazvimirira nyanzvi sangano. Nzira yakanakisisa ndeyokuti nyanzvi ichakwanisa kuongorora kukanganisa kwose muhupenyu chaihwo, uye kwete kubva pamifananidzo kana marisiti.
Vatyairi vemotokari vanowanzopinda munjodzi vanobva vangofonera kwete chete mumiriri weinishuwarenzi, asiwo nyanzvi yakazvimirira panzvimbo yenjodzi, nekuti vanoziva kuti kazhinji makambani einishuwarenzi haabhadhare mari yakazara yeOSAGO.
Nyanzvi yakazvimirira inoongorora maverengero nemamiriro ezvinhu chaiwo uye kugadzira sarudzo yake, iyo inosimbisa chokwadi chekuverenga kwenyanzvi dzeUK, kana kuramba. Nyanzvi yakazvimirira inozofungawo nezvekupfeka kwezvikamu uye kukupa mhedziso chaiyo.
Ndokumbira utarise kuti mahofisi chete ane marezinesi anodiwa uye marezinesi anogona kuita zviitiko zvakadaro. Vakumbire kuti vakupe, kana kubvunza shamwari dzako kuti vakatendeukira kwaani mumamiriro ezvinhu akadaro.
Pane dzimwe pfungwa dzinokosha:
- iwe unofanirwa kuzivisa iyo UK nezve nzvimbo uye kuongororazve;
- kana motokari isingapfuuri makore mashanu, saka semugumisiro wekugadzirisa, kukosha kwayo kuchaderera zvakanyanya. Kurasikirwa kwemutengo wezvigadzirwa kunofanirawo kuverengerwa muhuwandu hwemuripo.
Chengetedza magwaro ekubhadhara kubhadhara kune masevhisi eiyo nyanzvi bureau. Iwe unofanirwa kudzorera mari iyi.
Pre-trial claim uye litigation
Chirevo chepamberi pekutongwa chakaiswa kuUK.
Inoenzanisirwa sezvizvi:
- munyoreri ndiye manejimendi eUK;
- chikonzero chekukwidza kusabhadharwa kwemari inodiwa;
- mhedzisiro - ratidza huwandu hwaunotarisira.
Izvo zvinodiwawo kubatanidza makopi ezvinyorwa zvese: pasipoti, STS, PTS, OSAGO mutemo, cheki kubva kuchiteshi chebasa uye nehofisi yehunyanzvi, mhedzisiro yekuongororwazve. IC inosungirwa kutarisisa chikumbiro chako uye kuita sarudzo mukati memazuva gumi.
Saizvozvo, kana pasina mubairo wakanaka kwauri, zvinosara kuenda kudare. Panguva imwecheteyo, unogona kuisa zvichemo neRSA neFSIS. Masangano aya haakubatsire kugadzirisa gakava, asi zita reUK richakanganiswa.
Mhosva inoiswawo maererano nemuenzaniso. Zvinokurudzirwa kuhaya gweta rakanaka remotokari. Unogona kubvunza mubvunzo wako kune nyanzvi yemahara pane yedu webhusaiti. Kana ikarasikirwa, iyo UK ichave inosungirwa kubhadhara iyo chaiyo huwandu hwekukuvadza, pamwe nekubhadhara faindi ye50% yemari yavasina kubhadhara nekuwedzera pakutanga.
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