Chii chichaitika kana ukaenda usina inshuwarisi. Ndingaenda mazuva mangani pasina inshuwarisi?

Mutemo wezvino wekufambisa motokari unoda mutyairi kuti ave neshuwalisi yehurumende. Uye vatyairi ivo pachavo vanofanira kuve nechokwadi chokuti zvinhu zvose zvakarongeka nemagwaro. Rudzi urwu rwe inshuwarisi isvhisi yakasimbiswa nemapoka, rimwe rayo iri kambani inounza mutemo, uye imwe iyo muridzi wemotokari. Muchiitiko ichi, anovimbiswa mubhadharo wekuparara kana njodzi inowanikwa. Mukuwedzera kune OSAGO, kune inshuwarisi uye nekuzvidira. Inonzi CASCO, uyewo DSAGO. Muchikamu chino tichaedza kuedza mubvunzo uyu: chii chichaitika kana ukaenda usina inshuwarisi? Icho chirevo ndechokuti, hongu, mutemo we OSAGO, uye kwete zvimwe zvibvumirano zvinogona kupedzerwa kana kusagumiswa pane zvido.

Chii chinoitika kana ukaenda usina inshuwarisi?

Mutemo weRussia unoda mutyairi kwete kungozvitenga mutemo wechipurimo, asiwo kuti ugare naye paanenge achityaira. Kutasva pasina dhiyabhorosi kwakazara nechinokuvadza iyo inotarisirwa kutungamirirwa. Kusvikira muna 2009, vatyairi vaigona kutengesa nguva shomanana uye pasina iyo kana chiitiko chekare chikapera. Zvisinei, urongwa uhwu hwakazobviswa. Uye kubva panguva iyoyo kutasva motokari pasina inshuwarisi yakarambidzwa zvachose. Dhiyabhorosi inofanira kubudiswa kunyange kana mutyairi achifambisa motokari.

Kana mupurisa wemotokari anodzika motokari uye achida kuratidza zvinyorwa, haaoni mutemo unobvumirana we OSAGO pakati pemamwe magwaro, ipapo muridzi wemotokari anorayirwa. Kune rumwe rutivi, haatarisiri zvakawanda zvakanaka kana akapinda mumatambudziko emotokari. Mutyairi haazogadziri chete kugadzirisa motokari nemari yake, asiwo kubhadhara mari yekugadzirisa motokari yemumwe munhu anobatanidzwa mutsaona, kana chiri chikonzero. Uye kana painewo nhamo, ipapo mutoro wose wekubhadhara kwekurapa uchatowirawo pamafudzi ake. Asi chirango chekutyaira kunze kwekodzero dzeanotadza hachizogadzirwi zvakare.

Kana iyo sarudzo yasara pamba ...

Zvinosuruvarisa, asi munyaya iyi, chirango ichi chichatofanira kubhadhara. Zvisinei, zvose zvakafanana, mutemo anotaura kuti mamiriro ezvinhu akadaro anogoneka. Maererano neizvi, chikamu chechirango mune imwe nguva chakasiyana nedzimwe. Nokuda kwomutongi, zvisinei, nyaya iyi haisi yakakosha. Saka, kazhinji anonyora chikamu chikuru. Kana mutyairi asingabvumirani nechisarudzo ichi, anofanira kuedza kugutsikana nemapurisa kuti chibvumirano chiripo. Iwe unogona kukumbira hama kana shamwari kuti uunze mutemo kune imwe nzvimbo yeDPS kana kuenda kumusha kuti uende iwe pachako. Pashure pezvose, imwe nzira kana imwe, inofanira kudiwa kuti uwedzere kutyaira. Pane imwe nzira. Kuratidza kuti kuwanikwa kwepurogiramu yacho kunogona kuve kuburikidza neInternet, kunyanya kana yakagadziridzwa yeAlectronic OSAGO.

Electronic OSAGO

Rudzi urwu rwebasa rwakaonekwa muRussia munguva pfupi yapfuura. Vamwe vatyairi vagara vashandisa basa rakanaka. Vamwe vanosarudza kutenga inshuwarisi "mufashoni yekare", vachityaira kusvika kuhofisi uye kuwana rugwaro rwepapepa. Zvechokwadi, electronic OSAGO inobatsira zvakasiyana pamusoro pekuwana nenzira yakajairika. Chokutanga, unogona kuraira mutemo panguva ipi zvayo yakakunakira iwe, uchangopedza maminitsi 7-10 chete. Haufaniri kubva kunze kwebasa uye enda pane imwe nzvimbo, mira mumurongo kuti uwane rugwaro.

Chechipiri, zvichida, hapana mutyairi uyo aisakwanisa kuwana zvipo zvisingabatsiri zvevanishuwarenzi vekutsvaga kwekuwana mamwe mabasa. Vakawanda, kwete kufunga kukuru, vanobvumirana nezvose zvavanopa. Uye zvino vanozvidemba kusarudza. Asi paunenge uchiita urongwa kuburikidza neInternet, hakuzovi nedambudziko rakadaro. Mutengi wemotokari anosarudza maitiro anoita seanoita zvakanaka.

Zvisinei, pane zvimwe zvisingabatsiri zvemagetsi zvinomanikidza motokari TPL inshuwarisi. Kunyanya, izvi zvinosanganisira chokwadi chokuti online server haisati yashumirwa. Nokudaro, munguva yepamusoro kwemaawa ekuraira pamusoro peInternet, inogona kumira. Uye vose vakapinda deta vachafanira kupinda zvakare uye zvakare. Ngatitarise kuti dambudziko iri richagadziriswa munguva yemberi. Parizvino, tinodzokera kune mubvunzo wezvichaitika kana tikasadaro pasina inshuwarisi. Sezvo takaziva mutoro iwoyo kana usiripo haugone kudziviswa, tinoona kuti muhupo hwemagetsi OSAGO kune chimwe chinhu chinoshandiswa.

Electronic MTPL uye Mupepeti weHurumende Chekuchengetedzwa Kwekuchengeteka

Paanorayira, mutyairi anogamuchira tsamba ine maitiro akabatanidzwa ne-e-mail. Kuva nefoni yake kusvika paIndaneti, anokwanisa kupinda mutsamba uye kuratidza muongorori mutemo mune zvemagetsi. Zvechokwadi, izvi hazvizobvisi basa rake kubhadhara mari yakanaka. Asi mari yacho ichava shoma shoma.

Chii chimwe chaungaita kuti ubhadhara zvishoma?

Kana muongorori weDPS asingabvumirani nemafungiro ose, uye hazvibviri kudzokera kumusha kana kuwana hama kuburikidza nehama, ndiko kuti, pane zvimwe zvingasarudzwa kuti ungabuda sei mumamiriro ezvinhu nechese kurasikirwa:

1. Mune protocol, iyo yakazadzwa nemapurisa emigwagwa, pane imwe nzvimbo apo mutyairi anogona kunyora maonero ake pamusoro pemutemo usingabvumirwi nemutemo. Uye kutsanangura ipapo chikonzero chaicho.
2. Mumazuva gumi mutenzi wemotokari ane kodzero yekukwirira mhosva, achitaura kune vakuru vevashandi vakanyora mushumo. Kazhinji inoshanda.
3. Pane imwe nzira yekuenda kudare. Zvisinei, hazvigoneki kuti pachava nemutyairi aizotonga kusunungura nekuda kwechikwereti chakadaro. Kazhinji, achibhadhara, iyo inokanganwika. Asi zvingava zvakanaka kudai zvaizodzidzisa mune ramangwana nguva dzose kuva nedhidhiyo yeAsago mupepa yepepa newe.

Zvinokwanisika kufamba nemotokari pasina inshuwarisi uye chii chichaitika nokuda kwayo?

Sezvatinoziva kare, kana inshuwarisi yakapera, kushandiswa kwemotokari kunorambidzwa. Kusvikira munguva pfupi yapfuura, kusvikira muna 2009, kushanda kwemotokari kwakabvumirwa, apo nguva yemitemo yapera. Vanotyairi uye ipapo vakazvibvunza mubvunzo: ndingapedza mazuva mangani ndisina inshuwarisi? Kwemwedzi wose mutyairi haana kukwanisa kunetseka kuti aifanira kubhadhara chikwereti kana mupurisa wemigwagwa akamumisa. Iye zvino mamiriro acho akachinja zvikuru. Uye pane mhinduro chaiyo kumubvunzo wekuti iwe unogona kukwira sei pasina inshuwarisi. Pasi pesangano re OSAGO, kunyange kana rakapera maawa mashomanana adarika, hazvibviri kushandisa motokari. Mutyairi munyaya iyi ari kumiririra zvakanaka.

Chii chakanaka?

Parizvino, kune zvikanganiso zviviri zvekutungamirira:

• 800 rubles. Mutyairi anovaripa nokuda kwekutyaira pasina mutemo.
• 500 rubles. Mari yacho inobhadharwa nokuda kwekushayikwa kwemotokari yeTPL yveshuwarisi, kana kuti kusina kupinda muchibvumirano chemufambisi, uyo panguva yekumiswa nemupepeti weHurumende Traffic Safety Inspectorate akapinza motokari.

Kana mutyairi asina kunyorwa mumutemo we OSAGO?

Ngatikurukurei pfungwa iyi muchidimbu. Motokari yechipuvisi yemhosva yechitatu inogona kungobvumirwa kushandiswa nevatyairi vanyoreswa muchibvumirano, kana zvose zvisingaregi. Chechipiri sarudzo inodhura zvikuru kune muridzi wemotokari. Saka, kazhinji kazhinji vanosarudza yekutanga. Maererano naye, ivo chete vanhu avo vakanyoreswa musangano vanogona kutyaira motokari. Saka, kana mumwe munhu ari kutyaira motokari isina kunyorwa mudhipatimendi, iwe unofanira kubhadhara mubhadharo. Uye mutadzi munyaya iyi ndiye muridzi wemotokari, kwete mutyairi.

Kazhinji chibvumirano che OSAGO chinopedzerwa kwegore rimwe chete. Asi, kune vamwe vatenzi vemotokari izvi hazvishamisi. Vamwe vanhu vanoenda rwendo rurefu rwebhizimisi, vamwe vanoshandisa motokari chete mune imwe nguva yegore (somuenzaniso, vagari vezhizha). Kwavari, chokwadi, zviri nani, dai zvaikwanisika kufamba pasina inshuwarisi. Pasi pebvumirano, zvisinei, zvinokwanisika kupa imwe nguva. Somuenzaniso, mwedzi mitanhatu kana mwedzi mitatu. Zvisinei, munyaya ino, mutemo uchave wakanyanya kudhura. Panguva imwe chete, pane zviitiko zvinoshamisa apo motokari inogona kushandiswa pasina inshuwarisi.

1. Kana iyo motokari yakatengwa munguva ichangopfuura. Iwe unogona kusvika zvakawanda sei pasina inshuwarisi munyaya iyi? Mutemo unoreva nguva yemazuva gumi.
2. Paanopinda munhaka.
3. Mune zvimwe zviitiko zvinopiwa nemutemo.

Mhedziso

Chii chinoitika kana ukaenda usina inshuwarisi? Tatoziva kuti munyaya iyi mushandi weDPS achabhadharwa kana akamisa motokari. Uye chiyero chekudzoka chinobva pane chibvumirano chakagadziriswa panguva ye OSAGO kana kusavapo kwayo. Uyezve, zvino zvakajeka kuti chii chaunofanira kuita kana mutemo ukasara pamba, asi muongorori anoramba kutenda.

Inofanira kuwedzerwa kuti chakanaka ndicho chinhu chete icho mupurisa wemapurisa anogona kuranga mutyairi ane hanya. Kusvikira munguva ichangopfuura, kusvika muna 2014, nokuti kukanganisa kwakadaro kunogona kubvisa nhamba dzenyika, uye kutumira motokari kune iyo yekupaka. Zvisinei, mutemo uyu wakagadziriswa kubviswa. Uye iyo yakawanda iyo mutyairi anogona kutarisira nhasi ndiyo yakanaka ye800 rubles.