Cheki chechikwereti chemotokari - riini uye sei kuzviita?

Muna 2021, mubhadharo wekushaikwa kweOS wakawanda 560 Euro yemotokari, muridzi wayo akanonoka kubhadhara kwemazuva gumi nemana, 280 Euro kunonoka kubva pa4 kusvika kumazuva gumi nemana, uye kusvika 1100 PLN yekunonoka kusvika kumazuva matatu. Izvi zvinoreva kuti kunyangwe mota yedu isina OC inoshanda kwerinenge zuva 3, tinoisa panjodzi yemari.

Mumamiriro ezvinhu api atinofanirwa kutarisa OC yemotokari? Uye kuti ungazviita sei?

Cheki yemhosva yehurumende - yekuzviita rinhi?

Hupenyu hwakasiyana uye mamiriro ekufamba anogona kutikurudzira kuti titarise chokwadi cheinishuwarenzi yedu yemhosva. Imwe yemamiriro ezvinhu akajairika emhando iyi ndeyekutenga kwemotokari yakashandiswa.

Tisati taita sarudzo kutenga motokari kubva kune mumwe munhu, tinoda kuona kuti mamiriro azvino eOC emuchina watiri kufarira anotaridzika sei. Zvinogona kuitika kuti iye zvino muridzi wemotokari akanga ari mubhadharo mubhadharo, uye ivo, kana tikatenga, vachaendeswa kwatiri. Tisingadi kupiwa mhosva yezvikanganiso zveakatitangira, tinofanira kuedza kuona kuti zvinhu zvakamira sei. Zvinoitika kuti vatengesi vemotokari, vachipa ruzivo pamusoro pemamiriro ezvakanaka, vataure chokwadi, vachida kubvisa motokari nokukurumidza. Zvino zviri nani kutsvaga chimwe chinopihwa uye uzviponese dambudziko.

Imwe mamiriro anoda mota OC cheki ndeye akapinda mutsaona yemumugwagwa - kunyanya iyo isiri mhosva yedu. Zvinoitika kuti mutyairi ane mhosva mukudhumhana haadi kuzivisa mamiriro eOC yake kana kupa ruzivo rwenhema kuitira kuti arege kuzviratidza kune kuwedzera kwemitengo yenhoroondo yekukuvadza isina kukwana neinishuwarenzi yake. Kana tisingakwanisi kubvumirana neane chikamu muchiitiko ichi, tinofanira kumhan'ara izvi kumapurisa. Mapurisa anozotarisa kuti inshuwarisi yemupari wemhosva ndeyechokwadi here.

uyewo tsika yakanaka tarisa wega OC yemota yakonekuti havasi vese vane ndangariro dzemazuva. Kugara tichiongorora nyaya iyi kuchaita kuti tizvidzivirire pazvirango zvinogona kuitika kana tikanonoka kubhadhara mipiro.

Kutarisa OC yemotokari - kuti ungazviita sei?

Dhata pamusoro peiyo yechitatu-party liability inishuwarenzi inochengetwa mumasangano akasiyana ane hukama zvakananga nenyaya dzebhizinesi dzine chekuita nekushanda kwemotokari. Tiri kutaura nezvemapurisa emumigwagwa, mapazi ezvekutakurwa kwematunhu, pamwe nemapurisa.

Iyo OC ruzivo rwemotokari yega yega inopinzwa muOC / AC dhatabhesi, iyo inogara ichigadziridzwa uye yakagadzirirwa neUFG (Inishuwarenzi Guarantee Fund) Kutarisa iyi dhatabhesi pamhepo inoita senge iri nyore uye inokurumidza nzira yekutarisa. Chishandiso - mushure mekunge tapinda, semuenzaniso, nhamba yekunyoresa yemuchina uri kutariswa - ichaburitsa mushumo kwatiri umo isu tichawana ruzivo rwatinofarira.

Zvinogona kuitika kuti iyo system haina kuwana iyo data yatinoda. Muzviitiko zvakawanda, izvi hazvisi mhedzisiro yekukanganisa kupi. Veinishuwarenzi vane mazuva gumi nemana kubva pazuva rekusaina magwaro ekuzivisa inishuwarenzi yemotokari kune vane masimba. Saka kana kudhumhana kukaitika zuva rino risati rasvika, zvinogoneka kuti isu hatizo kurumidza kuwana ruzivo nezve inishuwarenzi yemhosva yemunhu ane mhosva, uye isu tichafanirwa kumirira mazuva mashoma.