Okuqukethwe
Ngo-2021, kwakuhlelwe ukuthi kuhlanganiswe izisekelo zomshwalense namaphoyisa. Lokhu kusho ukuthi amakhamera omgwaqo azokwazi ukuhlawuliswa ukushayela ngaphandle kwe-OSAGO. Inani lilingana ngokuphelele nalelo umhloli abhala ngalo mathupha - ama-ruble angama-800. Kodwa akukho okucacile ngalolu daba okwamanje.
Umshayeli ngamunye kufanele abe nenqubomgomo ye-OSAGO ngenkathi eshayela emotweni. Ngakho-ke kubhalwe ku-athikili 32 yomthetho othi “Kumshwalense Oyimpoqo Wokubophezeleka Kwabanikazi Bezimoto”.
Umhloli wamaphoyisa omgwaqo, esemise imoto, angabheka ukuthi umshayeli unawo yini umshwalense. Khumbula ukuthi idokhumenti evamile mayelana ne-autocitizenship isebenza unyaka owodwa.
Ngaphezu kwalokho, izinketho ezahlukene zingenzeka, kungani umshayeli engenawo umshwalense naye. Izijeziso zokwephulwa kwemithetho ehlukene zihlukene.
Izinhlawulo zokushayela ngaphandle kwe-OSAGO
Ayikho inqubomgomo
Inhlawulo: Ama-ruble angu-800.
Umshayeli wephula i-athikili 12.37 yeKhodi Yamacala Okuphatha (ingxenye 2). Ithi:
“Ukwehluleka komnikazi wemoto ukufeza isibopho esisungulwe umthetho wombuso sokuqinisekisa isibopho sakhe somphakathi, kanye nokushayela imoto, uma lowo mshwalense oyimpoqo waziwa ngokuthi awukho, kuhlanganisa ukukhokhiswa inhlawulo yokuphatha ngenani ruble angamakhulu ayisishiyagalombili.
Qaphela ukuthi inqubomgomo eyeqiwe yisikhathi ilinganiswa nokungabibikho kwayo ngokuphelele. Futhi, ungahlawulisa ukuntuleka kwenqubomgomo izikhathi eziningi ngokuthanda kwakho.
Uma inqubomgomo ye-OSAGO i-electronic
Abashayeli abaningi manje bakhipha izinqubomgomo ze-OSAGO ze-elektroniki. Ngokusemthethweni, umshayeli unesibopho sokuphrinta umshwalense ephrinta futhi awuphathe kanye naye.
Kodwa emuva ngo-2015, owokuqala IPhini likaNdunankulu u-Igor Shuvalov wayala amaphoyisa omgwaqo ukuthi abheke ukutholakala kwenqubomgomo ye-elekthronikhi kuphela ezisekelweni zaseNingizimu Afrika. Kuvele ukuthi umshayeli akumele abe nephepha eliphrintiwe kuye.
Khona-ke konke kuncike kumhloli ngamunye. Uma iphoyisa lifuna ukuhlawulisa umnikazi wepholisi ye-elekthronikhi ongaliphrintanga ifomu, uyobe eqinisile. Kodwa ungazama ukukhombisa idokhumenti esikrinini sefoni yakho, ithebhulethi nanoma iyiphi enye igajethi.
Uma ukhohlwe inqubomgomo yakho ye-OSAGO ekhaya
Inhlawulo: Ama-ruble angama-500 noma isexwayiso.
Umshayeli uhlawuliswa ngesisekelo se-Athikili 12.3 Yekhodi Yamacala Okuphatha (ingxenye 2). Ithi:
"Ukushayela imoto ngomshayeli ongenawo amaphepha elungelo lokuyishayela, umshwalense womshwalense oyimpoqo wesibopho somphakathi wabanikazi bezimoto uhlanganisa isixwayiso noma ukufakwa kwenhlawulo yokuphatha engama-ruble angamakhulu amahlanu."
Amaphoyisa omgwaqo ayakwazi ukufinyelela kusizindalwazi sama-motor insurers (RSA). Umhloli angathola ukuthi umshayeli unenqubomgomo ye-OSAGO, noma isuka kukhompyutha yomuntu siqu noma ngokuxhumana ne-dispatcher.
Uma ukhohlwe ukuvuselela inqubomgomo yakho ye-OSAGO
Inhlawulo: Ama-ruble angu-800.
Ngaphambilini, inqubomgomo ephelelwe yisikhathi yasebenza enye inyanga. Kodwa manje lo mthetho awusebenzi. Uma ukhohlwe ukuvuselela ubuzwe bakho obuzenzakalelayo, lapho-ke wephula i-Athikili 12.37 Yekhodi Yamacala Okuphatha (ingxenye 2).
Uma umshayeli engafakiwe kunqubomgomo ye-OSAGO
Inhlawulo: Ama-ruble angu-500.
Lokhu kuyenzeka futhi: kunomshwalense, kanti umshayeli wemoto ongafakwanga kumshwalense uyashayela. Inhlawulo ayinkulu njengokungabikho kwe-OSAGO. Kodwa nesixwayiso ngeke sisebenze.
Umshayeli wephula i-athikili 12.37 yeKhodi Yamacala Okuphatha (ingxenye 1). Ithi:
“Ukushayela imoto ngokwephula imibandela ehlinzekwe yilo mshwalense wokushayela le moto kuphela abashayeli abakhonjwe kulo mshwalense kuzobandakanya ukukhokhiswa inhlawulo yokuphatha eyisamba sama-ruble angamakhulu amahlanu.”
Ukusebenzisa inqubomgomo ye-OSAGO mbumbulu
Ukujeziswa: 800 rub. + ukuvinjelwa/ukuboshwa noma ukusebenza ngempoqo kuze kufike unyaka owodwa.
If you deliberately bought a fake and showed it to the inspector, then you can’t get off with a simple fine for not having a policy. Those same standard 800 rubles will also be. But even a driver with a fake policy will most likely be charged with a criminal case under Part 3 of Art. 327 of the Criminal Code of the Federation.
Ingozi ngaphandle kwenqubomgomo ye-OSAGO
Uma kwenzeka uthola ingozi, futhi omunye wabahlanganyeli akanayo inqubomgomo yesibopho somphakathi, noma inkohliso, khona-ke isimo siba sikhulu. Sizokutshela ukuthi yini elindele kuleli cala isigebengu kanye nesisulu.
Umlandu ngenqubomgomo, isisulu akunjalo
Akushintshi lutho kumuntu ohlukunyeziwe. Ngaphandle uma, engozini, ithimba lamaphoyisa omgwaqo lizofika lizoyixazulula, lihlole imibhalo futhi "lishaye" isisulu ngenhlawulo yama-ruble angu-800 ngenxa yokuntuleka kwenqubomgomo. Kunoma yikuphi, isisulu sizothola inkokhelo kulowo onecala lomshwalense.
Isigebengu ngaphandle kwenqubomgomo, isisulu esinomgomo
Inqubomgomo ye-CMTPL yesisulu kulesi simo ayithinti lutho. Uma kwakungenakwenzeka ukuvumelana ngesinxephezelo nesisulu ngaleso sikhathi, futhi kwafika emaphoyiseni omgwaqo, khona-ke umenzi wecala uzothola inhlawulo yokuphatha yama-ruble angu-800. Kodwa lokhu akukubi kakhulu.
Kunoma yikuphi, umenzi wecala kuzodingeka akhokhele ukulungiswa futhi abuyisele umonakalo empilweni yomuntu ohlukunyeziwe, uma ukhona. Owesibili engozini unelungelo lokumangalela uma ningakwazi ukuvumelana ngenani lesinxephezelo.
Akekho onenqubomgomo
Khona-ke amaphoyisa omgwaqo angakhipha inhlawulo yama-ruble angu-800 ngamunye kubo bobabili abahlanganyeli ekushayisaneni. Isigebengu sinxephezela izindleko zokukhanda imoto yesisulu ephaketheni laso. Ungavuma ngaso leso sikhathi. Kudingeka kuphela ukugcwalisa irisidi lapho uthola imali kanye nokungabikho kwezimangalo - ukuze ugweme ukweqisa esikhathini esizayo. Uma ukukholisa akuzange kuholele kunoma yini, khona-ke icala liya endizeni yokwahlulela.
Imibuzo nezimpendulo ezidumile
Ngo-2022, inhlawulo yokungabi nayo inqubomgomo ye-OSAGO ingakhokhwa ngesaphulelo esingu-50%. Kwanele ukukhokha irisidi phakathi kwezinsuku ezingu-20 kusukela ngosuku lwesinqumo sokwephulwa kokuphatha. Khona-ke esikhundleni ruble 500 kuyoba okwanele ukukhokha 250, futhi esikhundleni ruble 800 - 400.