Chikonzero chekudzorera chiri chinhu chinopesana mumutemo wehurumende. Kuzvidzora zvinoda: tsanangudzo, zvinhu uye maitiro

Chirevo chekudzorera ndeye mutemo wepamutemo unobatanidza nemari uye mari yehushumo yehupfumi. Kazhinji pane zvisiri izvo, magweta anobata nekutongwa kwevanhu vanotarisana nepfungwa iyi. Maererano nemitemo yakagadziriswa, sangano rakadzorera kukanganisa rinogona kushandisa mukana wekuchengetedza chikwereti ichikumbira uye inokumbira kubhadharwa kubva kumunhu anenge aita zvakaipa pamutengo wemari yakabhadharwa. Mutemo uyu unoratidzwa muArt. 1081 GKRF uye mamwe mabasa ekusimudzira. Kazhinji, mutemo uyu unoshandiswa nemasangano einishuwarenzi, saka achiedza kuderedza kurasikirwa.

Ndezvipi zvinotarisirwa kuitwa

Iyi pfungwa inowanzowanikwa munyaya dzinotarisirwa kubhadharwa kwemakambani einishuwarenzi 'mari, uye izvozvi zvinotaurirwa kune avo vanoita dambudziko racho. Mutemo wakadaro wakaonekwa pakutanga mubhengi uye mune zvemari. Bhizinesi rakashandisa kubhadhara kune munhu akabudisa chikwereti chisina kubhadhara, pasi pebhengi chakanga chabhadhara kare. Chikamu chinokosha chekudiwa kwekutsvaga ndechekutsanangurira zvakananga kumatare.

Ko kodzero yekudzokorora inoshanda sei?

Chimwe chinhu chinodiwa chekudzorera chinhu chinobatsira kambani ye inshuwarisi pachayo, iyo iri kuedza kuita. Kuwanda kwemari inogona kubhadharwa munyaya iyi kunongopedzerwa nehuwandu hweinishuwarenzi. Mutemo uyu unowanikwa mundima 1 yeChitsauko 1081 che Civil Code yeRussian Federation. Mukuwedzera, sangano reinishuwarenzi rinogona kukumbira kubhadhara mari yezvokubhadhara zvinoshandiswa mukugadziriswa kwehurumende yerishuwarenzi kana mukutongwa kwemhosva mumatare. Muchiitiko chekupedzisira, chinhu ichi chinofanirwa kuiswa mumatauro ekutaura.

Inishuwarenzi inotaurira OSAGO

Kusiyana kwakasiyana-siyana kwezvakaitika zvekugadzirisa zvekare kune mharidzo yezvirevo pamutemo we OSAGO. Iyo inshurensi inowanzokumbira kubhadhara mari mumatambudziko anotevera:

• Kana kukanganisa kuhutano kana hupenyu hweakakanganiswa kunokonzerwa nechinangwa chakaipa. Somuenzaniso, kurova, kana yakaitwa zvakananga, uye izvi zvakaratidzwa muchivanze, ndicho chikonzero chekuda kubhadhara mari kubva kune munhu ane mhosva.
• Kana kukanganisa kwakakonzerwa nekuda kwomunhu anenge achiita doro kana doro rinodhakwa. Uchapupu hwechokwadi ichi hunogona kushanda sezvipupuriro zvekurapa. Iyo inyanzvi yekubhadhara inyanzvi haigone kugutsikana kana kunwa doro kunodhaka (kana nharo) isina kuratidzwa nevashandi vezvoutano. Mabasa akadaro akabatanidzwa kune mhosva uye anogona kushanda seuchapupu kubva kune rumwe rutivi kana rumwe.
• Kana kukanganisa kakaitika kwakakonzerwa nomunhu uyo panguva iyoyo asina kodzero yekufambisa motokari. Izvi zvinoreva kuti kubvunzurudzwa kwekambani yekambani yeinishuwarenzi kune chikonzero chepamutemo chepamutemo kana mutadzi wacho asina chairi chekutyaira kana kuti akaregwa naye nokuda kwekuputsa kwepamutemo kwepamutemo.

Zvimwe zviitiko zvekushandiswa kwekudiwa kwekutora

Iyi mvumo haisi iyo inoshanda mumamiriro ezvinhu ekuputsa kwechisimba kwemitemo yekufambisa kana zvichiitika nengozi. Zvisinei, kushandisa iri ndima yemutemo, mumiriri wekambani yeinishuwarenzi inofanira kuratidza kuti mutadzi wenjodzi iyi yakanyangarika kubva munzvimbo yacho. Nzira yekutonga iyo yakanyora kukosha kwekutadza kwakadaro hakuzove huchapupu hwakakwana mudare. Zvinhu zvekupa mhosva zvinofanirwa kuendeswa nemashoko pamusoro pekukwezva mutyairi kutungamirirwa. Mumiririri wesangano reinishuwarenzi anosungirwa kupa zvinyorwa zvinonzwisisika zvichiratidza kuti mutyairi aine chinangwa achibva panzvimbo yemugwagwa yemugwagwa.

Mutsva unodaro unobva pachibvumirano cheshuwarisi

Mutemo wemotokari yemotokari inowanzoratidza vanhu vakabvumirwa kutarisira motokari inopihwa. Kana kukanganisa kwacho kwakanyorwa, mutadzi uyu aive asina munhu akabatanidzwa musimboti yekumanikidza motokari yeTPL inshuwarheni semutyairi akabvumirwa kutyaira, saka kambani ye inshuwarisi ine kodzero yekudzorera.

Izvi zvinenge zvichange zvichange zvichinyatsoitika, kana muchibvumirano cheinishuwarenzi pakanga pane gwaro rinopedza nhamba yevanhu vakagamuchirwa kutarisira motokari yakachengetwa. Zvibvumirano zvekuchengetedzwa kwemishonga inshuwarisi yemhosva yechitatu inofanira kupedzerwa nekuremekedza zvakakodzera ichi chinodiwa. Kukanganisa mukushandiswa kwemotokisi yechipupuriro ndeizvi:

• Nhamba yevanhu vane kodzero yekugadzira motokari inopihwa inoratidzwa;
• Nguva iyo kushandiswa kwemotokari inopiwa kunogoneka mukati memiganhu yemishuwarisi inosarudzwa;

Kana iyo inshuwarisi iine chidimbu pane denderedzwa yevanhu vanobvumirwa kune vatungamiri vemotokari, zita revatyairi vane mvumo yekufambisa motokari inofanira kuratidzwa mumutemo.

Kune vagari, kushandiswa kushandiswa kwemotokari kwenguva yakati zvinoreva kuti motokari inogona kushandiswa kweimwe nguva. Semuenzaniso, kumotokari-cabriolets muganhu wekushandisa inongopera nguva inotonhora, asi mhepo yechando inonzwisisa chete panguva yechando. Masangano uye mabhizinesi anogonawo kutora mari ye "inshuwarisi" yveshuwarenzi, kushandisa nguva ye inshuwarisi yekudiridza uye kushandiswa kwechando mumakore akasiyana.

Kana pane imwe yhupfumi yehurumende kana pane kukanganisa kwemamiriro aya, kambani ye inshuwarisi haina kodzero yekuramba kubhadhara, sezvo izvi zvisiri izvo hazvina kubatanidzwa muzvinyorwa zvezvinhu zvinoshandiswa pakubhadhara chikwereti. Asi, kutyora mitemo yesimboti ye inshuwarisi, mutyairi wehupfighi anozviisa pachena pangozi yekumhanyira kune mhinduro dzekambani ye inshuwarisi.

Kuongorora kwehutano uye kugadzirisa zvinoda

Mitemo yedu haibvumirane musi wekutsvaga kweinishuwarenzi pamwe nenguva yekubudiswa kwekombiki yekuongorora mapikoni. Zvichakadaro, mugore ra2012, urongwa hwakatanga kushanda, maererano nezvinodiwa nemuridzi wemotokari nenzira yake pachedu nguva yakatarwa yehurumende kutarisa zvinhu, kutakura vateresi, lorry, bhazi yevatakari uye dzimwe nzira dzokutakura. Kana, nenguva yekuitika kwechiitiko che inshuwarisi, nguva yezvakagadzirirwa yemakemikari yakapera, kambani ye inshuwarisi ine kodzero yekuisa chikwata, uye kudiwa kwekutsvaga OSAGO munyaya iyi kuchagutsikana.

Mhosva dzinoita kuti mhinduro dzidzoke

Kunyanya, sangano reinishuwarenzi rine kodzero yekuda kubhadhara mubhadharo:

• Kana "chikonzero" chekuitika kwechiitiko che inshuwarisi ndiko kusakosha kwemotokari;
• Kana ichocho chakanga chave chaonekwa nemunhu anoongorora, asi data iri pairi haina kuiswa mune kadhi yekuongorora.

Chii chaunofanira kuita kana iyo inshuwarisi ichiita chikonzero chekureva

Mumamiriro ezvinhu akadaro, mumwe muridzi wemotokari angazviwana pachake, saka zvingava zvisingasviki kutsanangura gadziriro yezviito umo zvinonzi ve inshuwarisi zvinogona kupomerwa zvakakwana mumatongerwo emitemo.

Pachigamba chekutanga zvinokurudzirwa kuti uone kana kambani ye inshuwarisi yakanyatsokodzera kubhadhara zvinyorwa. Izvi zvinogona kujekeswa kuburikidza nekuverenga zvakare ndima dzakatangira ino.

Hazvina kudiwa kuita zvibvumirano kune vatsigiri vehurumende uye nokukurumidza kupa mvumo yekubhadhara pamusana pekutsvaga. Njodzi kana chimwe chiitiko chakakonzera kukanganisa pfuma kana hutano kunofanira kuratidzirwa zvose kubva pakuona kweakakuvara uye kubva pakuona kwemuiti wezvakaipa. Chokutanga pane zvose, nheyo yekutsvaga inofanira kunge iri kuendeswa kumunhu anotambudzwa weinishuwarenzi. Kana kubhadhara kwakadaro kwakarambwa, zvose zvinoreva inshuwarisi ye regress zvinogona kurambwa zvakachengeteka.

Ndapota cherechedza kuti kodzero yekubvunzurudza inobva kune inshuwarisi chete apo mari yehushuwarisi ichiendeswa kumunhu anenge atambudzwa!

Mutero wekuda uye chirevo chekukanganisa

Murevereri anogona kukwidza kupomerwa kwekambani yeinishuwarensi kana chikamu chemhosva chinodarika mari yehushuwarenzi yakaitwa. Maererano nemutemo, mari yekutora haifaniri kupfuudza mari chaiye yebhadharo yeinishuwarenzi. Uyewo, iwe unofanira kuve nechokwadi kuti nguva yekudzikidzwa haisati yapera - zvisinei kuti inshuria yekudzorera zvinoda kuregererwa.

Kutanga kwemutemo wekukanganisa kunogona kufungidzirwa kuti ndiyo nguva iyo inshurensi inozadzisa chikwereti chekubhadhara inshuwarisi yekubhadhara. Iyo mhosva haigoni kurwisana nemubatsiri wekubhadhara zvinodiwa, kana nguva dzakatemerwa dzekutumira zvido dzisati dzapera.

Uye yeuka kuti kukanganisa kunopupurirwa chete mumugwagwa yemotokari kunopa kambani ye inshuwarisi chikonzero chekutarisira kusarudza kwakanaka kwedare rekudzorera. Kana zviito zvomumwe munhu zvakakonzera kuitika kwechiitiko chekuchengetedzwa, asi nokuda kwezvikonzero zvakasiyana-siyana munhu asina kuwanika ane mhosva, zvese zvinotaurwa nekambani yeinishuwarensi yekugadzirisa hazvina zvikonzero zvakanaka.