Uyini ukuhlehla ku yomshuwalense?

Lapho namuhla basebenzisa umshwalense ekuhlehleni kakhulu? Inqubo kanye essence subrogatsii (ekuhlehleni) bachaza futhi kugomela e Civil Code. Ngokusho imithetho ukuhlehla ku Insurance - ngomshuwalense kwesokudla, uthi uhlangothi, unecala ukulimala into yomshuwalense, okwaholela okuvela kuyo umcimbi insured.

Okuvame kakhulu izimangalo Sokuzivikela waletha isinxephezelo umonakalo kubangelwa izinhlobo ezinjalo impahla: ubunjiniyela yezimoto;

• zokuhlala kanye commercial ingcebo;
• amagugu kanye zasendlini.

Umholi kunombolo izimo ezingenza luthuthukisa ekuhlehleni - umshwalense izimoto, zombili siqu futhi esemthethweni.

Article 76 we "Imithetho CTP" ulawula zonke izindaba ezihlobene Sokuzivikela izinkampani zomshuwalense. Kanjani izinto ukusebenza practice? Esimweni engozini uphenywa imoto ilimele bese usetha umuntu (noma abantu) obhekene yomonakalo. I umshwalense ivala umnikazi imoto kwesamba incurred ukulahlekelwa ngaphakathi isamba umshwalense.

Ngaphezu kwalokho, inkampani zokufuna nxephezela imali engakhokhiwe, ukufaka isimangalo enkantolo. Ijaji libuyekeza wonke amadokhumenti zilethwa amaqembu, anqume kwi Sokuzivikela. Lena ukuhlehla ku yomshuwalense emsebenzini.

Kukhona izinketho ezimbili ngubani uzokhokha imali edingekayo inkampani yomshuwalense ukuphi. Eyokuqala kusho ukuthi lowo owenze has umshwalense CASCO. Kulokhu, isimangalo wathola umshwalense wakhe, okuyinto it unesibopho. Kwangathi nomkhawulo izinkokhelo umshwalense uzobe kudlulwe, esele lemali andukuba zibuyiswe kusukela onecala. Uma inkontileka umshwalense at ibangelwa alikho, aholele lonke inani ngokugcwele.

Ilungelo ukuba baphakamise ukuhlehla ku umshwalense ephakama icala ukufakazela ukuba khona kwamandla ngenjongo abangela umonakalo empilweni noma impahla kwesamba. Futhi lezisekelo yilezi:

• ekutholeni isephulamthetho ngesikhathi umonakalo noma yimuphi omunye ukudakwa utshwala;
• ukungabikho umuntu wathi nokushayela imoto ukuthi ingozi;
• sangamabomu Ukuyekwa kwezindlela yesehlakalo ;
• umcimbi insured ngesikhathi, okungasekelwe olunikezwa inkontileka umshwalense
• kwezokuthutha umuntu hhayi wangeniswa kulesi ngokuhambisana inkontileka umshwalense.

impahla oVikelwe

Ngemva inombolo imoto yesibili ka izimo lapho ukuthuthuka ekuhlehleni yomshuwalense impahla. Ungakwazi ukuthathelwa umshuwalense cishe konke: ifulethi, indlu, indawo yokugcina izimpahla noma esitolo. Ngaphezu kwalokho, phambili-izakhamuzi ukuthathelwa umshuwalense ukulungiswa ezibizayo nemishini kusuka ezihlukahlukene enkingeni - kusuka umlilo udla.

Zokuzithandela umshwalense impahla sizonikeza isinxephezelo, uma efulethini wawudla izindwali ngenxa iphutha omakhelwane, amasela wavakashela cottage noma yokwanda kwama kagesi zishiswe. Khona-ke, i-"ikhanda" inkampani yomshuwalense kuyoba ukuthola abantu ababenze abangela umonakalo, futhi ubufakazi ukusekela icala labo. Yiqiniso, uma umshwalense ufuna baphoqelele nabo izimangalo Sokuzivikela futhi ukuthola imali.