Muitisi weinishuwarenzi haatevedzere mutemo. Kuita sei?
Kana iyo inshuwarisi yakaderera mubhadharo wedu weOSAGO kana auto inshuwarisi kana kuramba kubhadhara, tinogona kuisa chichemo, uye kana izvi zvisingabatsiri, kunyunyuta kune Financial Ombudsman.
Inishuwarenzi yemotokari inowanzokonzera kukakavara pakati pevatengi nemakambani einishuwarenzi. Vanhu vazhinji, vasingagutsikane nemuripo uye kurapwa nemainishuwarenzi, vakatendeukira kune inishuwarenzi ombudsman. Munguva pfupi yapfuura, mitemo mitsva yekuisa zvichemo yakatanga kushanda. Musi wa11 Gumiguru 2015, Mutemo "Pakutariswa Kwezvichemo zveFinancial Market Entities uye paFinancial Ombudsman" wakatanga kushanda, uye maererano nekugadzirisa gakava kunze kwedare, Mutemo unotanga kushanda musi wa1 Ndira 2016. .
Kutanga iwe unoda kunyora chichemo
Iye zvino wese insurer anosungirwa kuzivisa mutengi padanho rekupedzisa kontrakiti nezve maitiro anoshanda ekumhan'ara. Uyo akakuvara arikuda kukuvadzwa pasi peinishuwarenzi yechitatu-party liability anofanirawo kugamuchira ruzivo rwekuti angamhan'ara sei.
Iyo inshurensi inewo nguva yekupedzisira yekufunga kunyunyuta uye kupindura kwairi - iyi mazuva makumi matatu, uye mumatambudziko akaoma - mazuva makumi matanhatu. Muchiitiko chekusatevedzera nguva iyi, inofungidzirwa kuti kunyunyuta kwakatariswa maererano nekuda kwemutengi. Naizvozvo, mukuita, kana tikaona kuti, semuenzaniso, kambani yakadzikisa zvisina musoro kuvharwa kweinishuwarenzi yechitatu-party nekushandisa depreciation depreciation, uye isu tinomhan'ara pamusoro peakaundi iyi, uye kambani yeinishuwarenzi haizive izvi nekufamba kwenguva, ivo. achafanira kutibhadhara mari yatakakumbira;
Vanoti: Jan Urban inosanganiswa neLech
Tinogona kukwidza chichemo nekunyora, nemagetsi, nerunhare kana isu pachedu. Tinogona kuita izvi pane chero nzvimbo yekambani yeinishuwarenzi kana mumiririri.
Muitisi weinishuwarenzi anofanira kupindura chikumbiro nekunyora. Chero fomu remagetsi rinogoneka rinobvumirwa chete pakukumbira kwemutengi.
Zvichemo kune Financial Ombudsman
Chete mushure mekunge tapedza nzira yekunyunyuta nemuitisi weinishuwarenzi ndipo patinogona kuisa chichemo kune Financial Ombudsman. Iwe unogona zvakare kunyorera kuFinancial Ombudsman mumamiriro ezvinhu apo kambani yeinishuwarenzi haina kupindura kune chichemo mukati menguva yakatarwa kana kuti haina kutora zviito zvinobva mukutariswa kwekunyunyuta zvinoenderana nechido chemutengi.
Ombudsman ane basa rekuchengetedza zvido zvemakasitoma einishuwarenzi nevanoshungurudzwa, uye rimwe rebasa rake kugadzirisa zvichemo. Panguva imwecheteyo, ine masimba chaiwo ane chekuita nekubata zvichemo nemakambani einishuwarenzi. Sezvineiwo, inogona kubhadharisa faindi kusvika ku100 XNUMX. zł kana vakasatevedzera zvinopihwa pakubata zvichemo.
Kubva muna Ndira, imwe tsvakiridzo yakakosha yevatengi veinishuwarenzi ichatanga kushanda - makambani einishuwarenzi anofanirwa kutora chikamu mukupedza gakava kunze kwedare pasina kukundikana.
Mitemo mitsva inonyatso gadzirisa chinzvimbo chevatengi vemakambani. Ivo vanofanirwa kunzwiwa, kunyanya, nevakabatwa vanobvisa kukuvadzwa pasi peOSAGO, nekuti pano ndipo panomuka matambudziko mazhinji uye ndidzo nyaya idzi dzinowanzova nyaya yekunyunyuta kumatare nematare.
