Mitemo ye OSAGO: muchidimbu pamusoro peiyo

OSAGO inoreva kuvharidzirwa kweinishuwarenzi. Vose vagari veRussian Federation vanoita kutungamirirwa kwemotokari chero ipi zvayo munharaunda yenyika yedu vanofanirwa kuwana mutemo we motokari yemutorovhesi yemhosva yechitatu. Kushayikwa kwetsika yeMTPL kunosanganisira kuiswa kwechipo.

Kusiyana neCASCO, zvikwereti pasi pemitemo iyi zvinongowanikwa kune vanhu vanozivikanwa sevanotambudzwa munjodzi. Mari yekubhadhara inowanikwa mumari uye mushure mekuongorora.

Mutemo wepamutemo

Nyaya huru iyo inoronga ukama pakati pekambani ye inshuwarisi uye muridzi wemotokari iyo inowanikwa mutengi ndiyo OSAGO Mitemo. Iine mashoko akazara kupfuura mamwe ose ekupedzisira, kugumisa, pamwe nekuwedzerwa kweinishuwarenzi.

Ndiyo mitemo yeOsago iyo inotungamirira urongwa hwemashoko ayo inshurenzi inogona kudikanwa neinishuwarenzi yekunyora. Kazhinji iyi ipasipoti, reisheni yekufambisa uye magwaro emotokari. Muna 2013, kugadziriswa kwakaitwa kumitemo ye inshuwarisi: OSAGO ikozvino yakabudiswa chete pamusana pekuratidzwa kwechiteshi chekuongorora cheti.

Mukuwedzera, mutemo uyu unotarisira nguva iyo mutemo weMTPL unogona kuumbwa. Mitemo inosimbisa kuti bvumirano yeinishuwarenzi inogona kuiswa mukati memakore mashoma matatu. Pakupera kwenguva ino, mutemo unogona kuwedzerwa, asi kwete kudarika kaviri. Iyo yakareba nguva inogona kuitika yenguva yakakodzera yesimboti yehushuwarisi ndeyegore rimwechete.

Kuita sangano re OSAGO mune imwe kambani yemishuwarenzi, mutyairi anogona kuwana dorosi kana kusisina ngozi. Pakutanga, nekunetseka kwekushandura inshuwarisi, mutyairi anogona kuvanza chokwadi chekuita kwake muhozi. Zvisinei, mitemo mitsva ye OSAGO yakagadzirisa zvipingamupinyi panyaya iyi. Iye zvino kune dhesi rimwe chete revanhu vanochengetwa, nekuda kwekuti makambani einishuwarenzi anogona nyore nyore kutarisa chero ani zvake wemotokari panzvimbo yekushushikana.

Kubva musi waJanuary 1, makambani ose akadaro anosungirwa kutumira dhesiro pakagumisa OSAGO zvibvumirano kune imwechete system. Iye zvino, mari yehushuwarisi inoratidzirwa chete mushure mekutsvaga kune zvakadaro. Saka, mabhizimisi vanofanirwa kugovera kwete zvingoro zvekutengesa kusingabhadharwi, asiwo kupa ma-premium kana zviitiko zvikaitika, iyo inokonzerwa neye inshuwarisi.

Zvinobatsirawo kuziva kuti kana uchitengesa motokari usati wapera mutemo we OSAGO, mutyairi ane kodzero yekugumisa chibvumirano. Muchiitiko ichi, kambani yeInishuwarenzi inosungirwa kubhadhara chikamu chemari yekubhadhara inishuwarenzi.

Chinhu chinonakidza ndechekuti kubva mugore razvino, apo bvumirano yemishuwarisi inowanzopinda neye inshuwarisi imwe chete, hazvidi kugovera zvinyorwa zvepakutanga.

Zvakakosha kunzwisisa kuti mitemo ye OSAGO, pamwe ne SDA, inofanira kuongororwa nevatyairi vose. Zivo yechirongwa ichi zvichabatsira kuti zviitwe zvakanaka nekambani yeinishuwarenzi kana zvichida kubhadhara.