Inishuwarenzi MTPL kubhadhara: sei kuti chii chiri chikwereti

Pasinei chokwadi kuti yedu nyika kunyoresa zviri rokumanikidzirwa MTPL gwara, vakawanda havanzwisisi chaizvo kwaiita inishuwarenzi. Somugumisiro, kana anopinda mutsaona, ivo zvechokwadi kushamisika pavanowana kuti inishuwarenzi MTPL kubhadhara vasina kodzero.

Zvakakosha kunzwisisa kuti avtograzhdanki zvinoreva kuita inishuwarenzi yako kumapati rechitatu. Kureva, kubhadhara inishuwarenzi vari kuisa chete kusvikira atadzirwa. Nemamwe mashoko, kuita kunze MTPL gwara, imi inishuwarenzi vanhu pfuma. Kana uchida inishuwarenzi motokari yako, unofanira Uyezve akajeka mitemo Chikomo.

Zviito kana tsaona

Somugumisiro, chero kukuvara mutsaona yemotokari kunoitika. Inogona kushandawo kune evanhu utano uye mugwagwa nemotokari. Kana iwe urimowo mutsaona, chaunotanga kuita - ndiko kuti kumisa njodzi chiratidzo, dana yomumugwagwa mapurisa uye nechimbichimbi mumiririri. Hapana nyaya haafaniri kufamba motokari.

Kusvikira nguva asvika nyanzvi havafaniri kukurukurwa wechipiri mukwikwidzi tsaona yake ezvinhu. Uye kubvuma mhosva - ndiyo vaongorori motokari mapurisa (kunze, Chokwadi, nyaya zvachose pachena). Kuti varege kutambisa nguva, vadzidzi yacho tsaona anogona zadza "Cherechedzai yacho tsaona" uye wemasaini nayo.

Panopera basa nzvimbo tsaona yomumugwagwa mapurisa anofanira ngaateme gwaro, mumwe dzakati uye chisarudzo pamusoro mhosva mutsaona. Kana magwaro zvisina rakapa, iva nechokwadi kuti wabvunza kana uye achava kupi kuongorora tsaona yenyu. Kana iwe uri munhu atadzirwa, zvinyorwa izvi zvose zvichaparadzwa vaifanira nechokwadi kuti makaita kubhadhara CTP kukarukureta.

Makambani ari inishuwarenzi

Kamwe iwe kupa mashoko kuti kambani yacho inishuwarenzi, uyewo zvose zvinyorwa zvakakodzera, iwe uchava basa musi kudzokorora dzaparadzwa yakazvimirira nyanzvi. Pashure kuzviongorora motokari mukati 30 Mazuva insurer anofanira kusarudza pamusoro kushanda. Kazhinji, zvisinei, muitiro unogona kunonotsa uye kunyange nokuzvininipisa kwedu zvimwe zvinyorwa.

Kunyange kana iwe usiri nemhosva tsaona, unofanira kugadzirira chokwadi chokuti insurer anogona yekudyidzana kurerutsa uwandu kubhadhara CTP. Rosgosstrakh Somuenzaniso, muna 2012 akava mutungamiriri pamusoro kurambirwa nekuripira mitemo inishuwarenzi.

Understate kubhadhara inishuwarenzi iri gwenya inishuwarenzi rokumanikidzirwa, asi insurer angabvuma munzira dzakawanda:

- pachinzvimbo nokutsiva zvikamu motokari kunoratidzwa muna dzakati kuyera mari yokugadzirisa yavo (semuenzaniso, bhamba chokuedza);

- kushandiswa kuongorora zvinoderedza mari kupembedza zvikamu maererano nokuda kusakara yavo.

Vazhinji muchakumbira, nei insurer kuita kudaro. Mhinduro iri nyore - vanhu vashoma chaizvo vachaenda kudare kudzivirira ayo zvarwo, izvo zvinoreva kuti kambani yacho inishuwarenzi achaponesa guru mari mari muripo.

Kana wava nechokwadi chokuti insurer substantially understates chikwereti kwamuri maererano inishuwarenzi kubhadhara iri gwenya inishuwarenzi rokumanikidzirwa, iva nechokwadi kuenda kudare! Ita zvinoita kwete chete kune pachako, asi kubudikidza vamiririri vavo. Nhasi, Makambani kubva kumusika basa yakadaro kubva, akanyatsorevesa. Zvakakosha kusarudza munhu akapa muripo mabasa avo chete pashure kukunda mudare.

Uye pakupedzisira, I cherechedza, chero zvazvingava, regai kugadzira motokari pamberi kuwana MTPL inishuwarenzi kubhadhara. Zvikasadaro, mune nyaya pasi-muripo, imi hamugoni uchapupu chinhu.