Umshwalense yokukhokha - ke ... izinkokhelo Usayizi umshwalense

inkontileka umshwalense ngeke ube value uma inkampani is hhayi izibopho zayo kanye engakhokhi uma umcimbi insured. Umshwalense yokukhokha - lokhu ingenye izimpawu zendawo labalulekile eluLwimi Ukukhethwa umshwalense, futhi ubukhulu nesivinini ukudluliswa kubaluleke kakhulu ukuze abantu abathintekayo.

Cabanga ngalokho inzuzo umshwalense njengoba inikeza, futhi kungenziwa yahlulelwe le nkomba umsebenzi enkampanini yomshuwalense kanjani.

Umqondo yokukhokha umshwalense

Ngo izincwadi ekukhokhweni yomshuwalense yomshuwalense kuchazwa njengendlela material noma ingcebo iqondiswe isinxephezeliso umonakalo owenziwe impilo noma impahla isisulu. Uhlu izici ezenza kungenzeka ekukhokhweni kwezimali, ngokuthi umcimbi insured. Izinhlobo izenzakalo umshwalense zichazwe ngokuningiliziwe kwinkontileka esiphakathi ngomshuwalense kanye oVikelwe.

Inkontileka umshwalense ungahlinzekela kanye nokubika komhlaba okugcwele olungaphelele umonakalo. Ngenxa yalokho, ukukhokhelwa umshwalense kungenzeka Ukuvikelwa okulingana okwethulwa imali. Kuyaphawuleka ukuthi izinhlobo ezahlukene umshwalense futhi kuhilelani izinhlobo ezahlukene izinkokhelo efanayo akuyena ngaso sonke isikhathi umuntu kwesamba unelungelo ukuqondisa isinxephezelo.

Izivumelwano ngomshuwalense

Ezimweni eziningi, ukukhokhelwa umshwalense - inani bavumelana phakathi umshwalense kanye pholisi. Lo mthetho ubizwa ngokuthi isimiso abahlinzeki kungagcini ezaziwayo. Esiphezulu senkokhelo umshwalense imali kuvezwa inqubomgomo noma eqalwe ngumthetho. Okuningi lemali yalezi ngomshuwalense unelungelo ukukhokha. Linganisa ukukhokhelwa esiphezulu baqiniswa the Civil Code of the Russian Federation, ngokukhethekile, ukukhuluma ngakho esihlokweni. 929, 942.934.947.

Ukucutshungulwa accrual yokukhokha umshwalense imali kusekelwe isitifiketi umshwalense noma isitifiketi eziphuthumayo. Lo mbhalo omele inkampani yomshuwalense ngesisekelo luhlolo, eqinisekisa nesenzakalo yengozi. Uma kudingekile, umshwalense inelungelo lokufuna ulwazi mayelana umcimbi insured kusuka kuhulumeni kanye Amabhizinisi alabo abalimela inzuzo ahlukahlukene, komthetho, amabhange, ezikhungweni zezempilo.

Izinhlangano nemabhizinisi kuwo wonke amafomu ubunikazi aphoqelelwe ukuhlinzeka ngomshuwalense ngedatha ezidingekayo, kuhlanganise nalezo ezingasebenzisi kukhona izimfihlo zokuhweba. I umshwalense ubophekile ukuba bagcine imfihlo ngokwaziswa esikuthola, kungenjalo angase kuqulwa icala lakhe ngoba ukuveza ulwazi lebhizinisi yangasese.

Okudingayo uyenze ukuze ukhokhelwe?

Isisulu lokuqala kufanele abhale isitatimende mayelana nokukhokhwa umshwalense, futhi kuhambisana imibhalo eqinisekisa okuvela kuyo umcimbi insured. Alibale wokufaka kwemibhalo akufanele kube - isisulu kunikezwa kuphela kule nyanga. Iphakheji izibambiso ihlukile izinhlobo ezahlukene umshwalense. Phakathi kweminye imibhalo kungadingeka:

• isenzo esiqinisekisa ingozi - lapho isinxephezelo ku ayimpoqo umshwalense motor, umshwalense motor sikebhe;
• idokhumenti eqinisekisa yezikhalazo ejensi wokukatelela ngomthetho - ukweba, ukulinyazwa kwempahla;
• isitifiketi wezokwelapha, sicashunwa amarekhodi zezokwelapha eqinisekisiwe yiHhovisi isikhungo sakho sezokwelapha, esiphelweni sesimiso ukunikezwa ukukhubazeka - uma kuziwa umshuwalense wezempilo;
• Inqubomgomo yokuqala, sicashunwa isitifiketi wezokwelapha kanye isitifiketi umbhalisi okuvela sokufa - esimweni umcimbi kwesamba eholela ekufeni.

Uhlu amadokhumenti kufanele ahanjiswe lapho okuvela kuzimo ezichazwe inqubomgomo, itholakala kwi-website ye inkampani yomshuwalense ngamunye. Kuyasiza ukucacisa kulolu hlu lapho uthenga inqubomgomo kusuka womshuwalense.

Kuyoze kube nini abantu imibhalo okukhulunywa

Ngesisekelo amaphepha ahanjiswe yinkampani yomshuwalense ethintekile linquma ukukhokha. It kunikezwa umshwalense ngumthetho kusukela izinsuku ezinhlanu kuya nanhlanu. Ngesisekelo imibhalo efanele ngomshuwalense linquma ukukhokha noma cha ukuze isinxephezelo semali. Isinqumo yokugcina kufanele sigcizelelwe izizathu inhloso (ingozi, angawi ngaphansi izinto yesivumelwano umshwalense, njalo njalo).

Ngezinye izikhathi, le nkathi angase imisiwe ngenxa isidingo isheke ngokuphelele izimo ukuthi wayithukuthelisa umcimbi insured. Kodwa qinisekani ngalokhu kumele yazise abathintekayo. Kwezinye izimo, isicelo yokukhokha ayikwazi kubhekwe ngenxa yezimo - kokuthethwa kwecala noma civil zamanje. Khona-ke lo umshwalense unelungelo eligcwele sokumisa inkokhelo kuze kukhishwe isinqumo sokuthi inkantolo.

Inkokhelo futhi ukunqaba ukukhokhela

Uma kwesamba ithola sinqumo esihle, ulinde ukudluliselwa imali ku-akhawunti yakho ngibheka zingakapheli izinsuku zebhizinisi eziyishumi nanhlanu. Inkokhelo kungaba olulodwa noma eyakhiwa izingxenye eziningana. Uma kunqatshelwe, umnikezeli womshwalense wesikhathi isinqumo ubophekile ukuba bathethelele. Kukhona njalo kungenzeka yesikhalazo ngokumelene ukwenqaba izinkantolo.

Indlela ukuhlola ukuthembeka umshwalense kwinani lezinkokhelo

Zonke izinkampani zomshuwalense kudingeka ukuthi unikeze konyaka esidlangalaleni imiphumela yemisebenzi yayo ibhizinisi. Lezi izitatimende zezimali kumele litholakale esidlangalaleni kumawebhusayithi izinkampani zomshuwalense. Ziyakwazi izinkomba ukuqoqwa umshuwalense, banikezwe i-number kwezicelo wathola futhi bahlole, kanye iphesenti isinxephezelo lezinkokhelo umshwalense. Lokhu value kubalulekile ngisabone pholisi.

Ngokusho kochwepheshe ezihlukahlukene, isilinganiso esifanele iningi izinkokhelo imayelana 30-50% kuleyo minikelo. Uma Inkomba incane - kukhona awokuthi esisemthethweni umshwalense isinxephezelo Ziyokhanda enkantolo.

Hhayi kakhulu kuhle umnini umshwalense futhi ukhetho reverse - uma wahlangana ezingaphezu kwesigamu izimangalo yenkokhelo umshwalense. Loku kungenteka ibonisa ukusetshenziswa kahle reserves umshwalense. Noma yimuphi inkampani yomshuwalense kumelwe babe nemali yokuzisekela, futhi kuba umthombo imali kukhona iminikelo abanikazi abavamile inqubomgomo. Uma izinkokhelo nezidingo eziphakeme kakhulu, kungenzeka ukuthi umshwalense maduze ukumemezela ucabanga yayo futhi ayikwazi ukuqinisekisa ukukhokhelwa umshwalense.