Anokonzera nonoka CTP. Ndinogona tasva pamwe unoshamisa MTPL inishuwarenzi? Ndinogona idzva ane mweya MTPL urongwa?

Panguva ino mumigwagwa munyika yedu anotasva akawandisa nemotokari. Sezvo ezvinhu akasiyana kunogona kuitika panguva uchityaira, mutyairi ose anofanira kuziva kuti anofanira kugara rakapa inishuwarenzi gwara maererano mitemo ano. vatyairi akawandisa nezvinoda apo, ivo nokuti chero chikonzero havana nguva kuvandudza inishuwarenzi iri motokari yako. Naizvozvo, vane mubvunzo: "Ndingaita kuchovha pamwe MTPL inishuwarenzi kunoshamisa?". Under mutemo razvino, kufamba nemotokari kubva garaji iri zvachose hazvitenderwi pasina inishuwarenzi. Asi chii kana iwe uchiri musiye motokari pamwe ndonda CTP? Api Zvirango vari zvavakatemerwa kuti motokari mapurisa, uyewo chero Zvirango, uye chii hukuru anoshandiswa. On ichi uye nezvimwe zvizhinji uchadzidza mberi.

Nei kunonoka nokuda inishuwarenzi?

Nonoka CTP - haisi mhosva uye kwete mutongo, asi kungotaura migumisiro iyo pane zvikonzero chaizvo. Nhamba dzinoratidza kuti nerimwe gore mumigwagwa iri kungoramba vatyairi vanofamba nemota yake aine akapera nemotokari kuita inishuwarenzi.

Zvikonzero ichi vari:

• kushaya nguva kushanyira boka inishuwarenzi;
• kukanganwa kana kuregeredza kwavatariri;
• nokuzvidira kushaya kubva inishuwarenzi Provider.

Ndivo rakajairika zvikonzero zvakawanda vatyairi ngarurege ane mweya inishuwarenzi. Zvisinei, munguva pfupi yapfuura, mhaka dambudziko iri rakasiyana hunhu, chokuita kuti zvinhu zvataurwa pamusoro apa. The ndechokuti munguva yedu zuva nguva kuratidza nhau aingovawo zvisingaiti nemhaka hombe pamwe nekurutsa. Saka, vatyairi vazhinji pashure akawanda maawa kumirira bedzi votendeuka uye siya.

Ndechipi chikonzero?

Anokonzera nonoka CTP zvikuru anovata Makambani inishuwarenzi pachavo. The ndechokuti mumakore mashoma apfuura mutemo mutengo yakawedzera yekudyidzana nokuda kwebasa mairi, kuwedzera inishuwarenzi yacho motokari pacharo, akasiyana-siyana zvimwe mabasa akadai upenyu inishuwarenzi, utano, pfuma uye nevamwe. Izvi zvakaita kuti chokwadi chokuti CTP yava zvakaoma kurova chinodhura kuti motokari varidzi.

Kuti vadiwe vatengi itsva uye kuti vawedzere zveminda yavo, insurers vazhinji vakatanga kupa vatyairi mukana kugadzira yeinishuwarenzi mutemo pasina basa mabasa. Vanoshuva kushandisa mukana uyu kuti chaizvo chaizvo, izvo zvakatoita kuti paumbwe hombe pamwe nekurutsa.

Nonoka CTP: tsananguro

Mutyairi ose vanofanira kuziva kuti mutemo hakuna chinhu chakadaro. Zvisinei, chokwadi, shoko rakashandiswa sezvo pokugadzwa chokwadi vasiri yokuti inishuwarenzi, hapana zviri pamutemo vavabatsire haana. Vasati 2009, maererano nemirau, mumwe mutyairi aiva nekodzero kudzora motokari kunyange kana mutemo izwi iri pamusoro, asi ikozvino mukana ichi zvavanazvo.

Sezvo zvinhu kumira nhasi?

Mwedzi inopiwa nomutemo, wakapiwa vatyairi kufunga kudiwa fanira inishuwarenzi motokari yako uye kuwedzera nonoka inishuwarenzi CTP. Panguva ino, mutemo anonzi muite, asi haana kurasa simba rayo uye motokari mapurisa akanga asina kodzero zvakanaka mutyairi.

Mazuva ano, zvinhu zvakasiyana. Mapurisa kodzero taurira chirango pazuva rakatevera mutemo Haasisina kushanda. Izvi imhaka yokuti hurumende vakuru akaongororwa mumutemo uye vakasarudza kuti mutyairi wese kunetseka pamusoro kuwedzera inishuwarenzi gwara pachine, kunyange pamberi kwayo kuregedza kushanda.

Izvozvo nokuti kutyaira pamwe nonoka inishuwarenzi urongwa?

mutyairi mumwe vaifarira mubvunzo: "CTP chaenda angavatsugudusa nokuti?" Mhinduro iyi inogona kuwanikwa chikamu chokutanga Chikamu 12.37 ari Administrative Code, izvo 2014 yakanga Akave nokuvandudza zvinobudirira kubva 15 November 2015. Maererano murau uyu, nokuti kutyaira ari chiitiko yokushaya inishuwarenzi, kana kana mutemo iri usingachashandi, akagovera mari chitarafu mu uwandu 800 rubles. Pashure pamuripo akanaka panongovira mutyairi anogona kuramba kutyaira.

Amount rakanyatsojeka diki, saka vatyairi vakawanda vanosarudza nguva yakawanda kubhadhara yakanaka pane kupedzera nakisisa inopfupikisa nokuda chiwedzerwa avtograzhdanki. Kunyanya kuti tinofanira kubhadhara mari mutongo chete nyaya kana uri nokupfuura yomumugwagwa mapurisa.

Vangani nguva zvinogona kumanikidza mari chirango inishuwarenzi nonoka?

Saka, imi munotoriziva chii chirango inishuwarenzi nonoka CTP. Zvisinei, pano pane rimwe mubvunzo kwepamutemo: "kakawanda sei pazuva, mutyairi inogona faindi nokuda kwokushaya kana inishuwarenzi kunonoka?"

Maererano nomutemo Russian, mapurisa motokari mapurisa havabvumirwi taurira Zvirango mumwe mutyairi kakati kuti imwe mhosva. Zvisinei, pane zvakaitika inishuwarenzi nonoka, zvinhu zvishoma zvakasiyana. Monetary mutongo kana mutyairi iri kunonoka CTP pamusoro Day 1, seari pamusoro zvakawanikwa, saka kana rimwe zuva ucharega katatu, ipapo kubhadhara faindi zvakafanana nguva. Izvi imhaka yokuti chirango iri rakapa kwete nokuti kunonoka kwakaita mutemo, uye nokuda kurapa uninsured motokari, inova yoga kutyora uye kunoda vakaparadzana mari chirango neimwe nyaya.

dzibvise zvirango Size kuti nonoka mutemo nokuda pamutemo masangano

With mari zvirango vanhu kukura, zvose zviri pachena, uye chii chirango nonoka MTPL inishuwarenzi kuti pamutemo masangano? Hakuna zvakadaro nyore, nokuti nzvimbo iyi murayiro kure wakakwana. Dambudziko iri kuti sangano anekodzero kutenga imwe inishuwarenzi gwara rimwe motokari iri chepamusoro uridzi. Zvisinei, zvose kuti totaura inishuwarenzi motokari kwete, anonzwisisa mushandirwi uye vakaripira mushandi anoita muchina. Ndiye mubayiro fines rakapa kuti afa inishuwarenzi itsika.

Sei kuva mumamiriro ezvinhu akadai?

Kana uri mutyairi iri kambani, unofanira yakakodzera kuyeuchidza utungamiriri vake Zvokugamuchira avtograzhdanki. Zvakanyanyokosha kutanga kuzviita kanenge mitatu pamberi expiry pakati mutemo. Kana ekisitenjeni apera CTP harina rakatangwa muna nenguva nenzira, uye iwe vakanga faindi, izvozvo akubvunzei mari kubva mushandirwi. Kana mukuru anoramba dzosera, ipapo chete nzira yokubuda mu ichi zvaizoora chikumbiro kudare.

Policy izwi

Usati wapindura mubvunzo kana zvichibvira kuwedzera nonoka kuita inishuwarenzi gwara chokushandisa, zvinokosha kutaura nezvenguva autocitizen chiito.

Nhasi, kune mhando nhatu motokari kuti vari pasi inishuwarenzi:

• Foreign motokari, kwekanguva kugara mundima Russian Federation. chikamu ichi pasi inishuwarenzi rokumanikidzirwa, uye mutyairi wacho akapa kwekanguva mutemo ukoshi nguva 5 kusvika 15 mazuva. Saka CTP ukoshi pasinei nguva zvakangofanana.
• motokari Foreign vari nemhepo munyika. Muchiitiko chino, zviri kwairayirwa kutenga 20-zuva CTP.
• Chero motokari kuti achazvipiwa kune zvachose zvinopupura yomumugwagwa mapurisa. Under boka iri rinosanganisira zvachose zvose motokari vakanyorwa zviri Russian Federation. Kwavari yakatengwa simbiso yechokwadi kubva mitatu gore rimwe.

Pakuita inishuwarenzi vanofanira kufunga kuti havasi vatyairi zvose kushandisa motokari yavo nguva dzose. Vamwe kusiya nyika nechinangwa zvinotivaraidza kana basa, vamwe vanoenda muzhizha kana chando. Panewo avo vari kuronga kutengesa motokari yaro foreseeable ramangwana. Kana muine nonoka kuita inishuwarenzi gwara mudziyo, zvokuita iyi, ichakurukurwa pashure. Zvinofanira kuva fanira kufunga nguva iyo unofanira mutemo mutsva, kwete kuti overpay kwemwedzi kuti motokari achava simbe.

CTP ekisitenjeni: chii chichaitika kutora?

Mumwe mutyairi kuziva mubvunzo kana kuwedzera CTP anogona kuva. Kana mutemo yatovapo kunonoka, inofanira nyore kuwedzera. Kuti aite izvi, unofanira kuwana kambani inishuwarenzi rworudyi kuti anopa kupfuura zvakanaka mashoko uye yakaderera prices.

Uyezve, tinofanira kugadzirira pasuru magwaro, izvo zvinosanganisira:

• chikumbiro;
• Russian pasipoti vanhu;
• gwaro vanyorwa repamutemo nokuda repamutemo masangano;
• kunyora pamusoro vanyorwa motokari iri motokari mapurisa;
• chigadzirwa date;
• kupfuura pamusoro kupfuura kuongorora.

Wakaisa ichi magwaro zvinodiwa kunyoresa kana kuvandudzwa pamusoro inishuwarenzi, saka kunofanira akagadzirira pachine kuti rikurumidze yose muitiro.

Zvokuita kana petsaona, kana CTP rapera?

Kudai waiva motokari tsaona, asi iwe uri dzakabata nonoka CTP, yakanakisisa nzira kubva izvi kwaizova matambudziko pamwe nevamwe bato pasina nezvokupindira kuMudzidzisi Vezvemitemo. Zvechokwadi, kuwedzera mari kugadziriswa atadzirwa, unofanira kubhadhara faindi.

Kana basa tsaona ndiye mumwe mutyairi, iwe mugamuchire muripo nekuda zvaparadzwa iwe uchagona pamusoro-nzvimbo kana kuburikidza kumatare. Kana tsaona zvakaitika mhosva yako, yokugadzirisa motokari, muripo tsika kukuvadzwa muripo zvimwe chokuita mari zvizere kutakurwa pamapfudzi enyu. Muchiitiko chino, haisi akakurudzira kuramba kubva kuripwa muripo, sezvo akakuvara bato kana kambani yake inishuwarenzi inogona ikwidzwe kudare redzimhosva.

Pane mukana upi kudzivisa mutongo nonoka inishuwarenzi urongwa?

Zvichida mutyairi ose kuziva mubvunzo kana zvichibvira kuti vadzivise basa nokuti basa imwe motokari asina inishuwarenzi mutemo rokumanikidzirwa kana panyaya yacho kuregedza kushanda nguva. Sezvo chinoshamisa sezvo zvinganzwika, asi pane imwe pfungwa kuenda kuzvisunungura kubva kubhadhara akanaka. Zvisinei, nokuti ichi unofanira kugadzirira musangano yomumugwagwa mapurisa. Kuwedzera, kudzora motokari anofanira mumwe mutyairi.

Kana akapera CTP, uye iwe usamirira refu, kana kuti chero chikonzero havadi kuti vavandudze nayo, mutongo zvingadziviswa kana nyora simba Gweta kudzora muchina panorumwe munhu. Kana iwe unenge hapana nguva ukasiya patrol seri vhiri, ipapo hapana mari murango kutevera.

Zvisinei, zvinokosha kunzwisisa kuti ichi chete kana usiri uchityaira. The ndechokuti mitemo pari anobvumira chero mutyairi kuti ishande kuti motokari, iri zvakanyorwa zita simba gweta. Muchiitiko chino, zviri pamutemo riri kuonekwa sezvo itsva muridzi, ane yepamutemo 10 Mazuva, umo munogona ngarurege motokari pasina yeinishuwarenzi.

Zvakadini motokari inishuwarenzi kunze?

Kana iwe enzanisa ukuru mari chirango, riri rwakabhadharwa kuna Russian vatyairi kuti kutyaira pasina inishuwarenzi, pamwe chete mune dzimwe nyika, zvino 800 rubles kuda sokuti suschimi sendi. fines nokuti mhosva ichi munyika dzokuEurope anogona kusvika 700 euros, uye mune zvimwe zviitiko, mutyairi anogona uye sei kutora rezinesi rokutyaira. Asi nei endai kure, kana iri pedyo Ukraine, apo mararamire haisi kukwirira, kuwanda akanaka ingabva 425 kusvika 850 Hryvnia (kubvira chiuru zviuru zviviri rubles), riri kupfuura muRussia.

Saka, zviri zvikuru musoro kufunga kuti mune foreseeable ramangwana fines Russian kuti kudzora motokari inishuwarenzi ane mweya anogona ngazviwedzerwe kumirangariro anoyevedza chaizvo kukura.

General Mazano uye mazano

Kudzivisa matambudziko akasiyana-siyana, Zvinokurudzirwa kuti nenguva mari fines zvose rakapa kuti kutyora chero mitemo mugwagwa. The ndechokuti nokunonoka murango mhosva, zvokuti 800 rubles, kwete chete anogona kuwedzera nehafu, asi mutyairi raigona mujeri kwemazuva 15. Zvakanaka kubhadhara fines mukati memazuva 20 mushure administrative mushumo. Muchiitiko chino, unogona kuwana dhisikaundi 50 muzana.

Uyezve, Zvinokurudzirwa kwete nharo kana kudzidza kuti vashandi rwemotokari mapurisa. Need kutaura vakuru kwazvo zvakadzikama uye nomutsa, uye vanofanira kuedza kutsanangura mamiriro wose, uye kumbira kuti kupinda nzvimbo yenyu. Muchiitiko chino, pane mukana mukuru kuti uri wakanaka zvichabviswa rakapa, asi chete akaita nyevero cheshoko.