Zindapusa zoyendetsa popanda inshuwaransi ya OSAGO mu 2022
M'nkhani zathu, tikuwunika zomwe zimaperekedwa pakuyendetsa galimoto popanda inshuwaransi ya OSAGO mu 2022.
Zindapusa zoyendetsa popanda inshuwaransi ya OSAGO mu 2022
M'nkhani zathu, tikuwunika zomwe zimaperekedwa pakuyendetsa galimoto popanda inshuwaransi ya OSAGO mu 2022.

Mu 2021, zidakonzedwa kuti zigwirizanitse maziko a inshuwaransi ndi apolisi. Izi zikutanthauza kuti makamera apamsewu azitha kuyendetsa bwino popanda OSAGO. Ndalamazo ndizofanana kwathunthu ndi zomwe woyang'anira amalemba payekha - 800 rubles. Koma palibe tsatanetsatane wa nkhaniyi panobe.

Dalaivala aliyense ayenera kukhala ndi ndondomeko ya OSAGO pamene akuyendetsa galimoto. Kotero zalembedwa m'nkhani 32 ya lamulo "Pa Inshuwalansi Yokakamiza ya Civil Liability of Vehicle Owners".

Woyang'anira apolisi apamsewu, atayimitsa galimotoyo, akhoza kuyang'ana ngati dalaivala ali ndi ndondomeko. Kumbukirani kuti chikalata chokhazikika pa autocitizenship ndi chovomerezeka kwa chaka chimodzi.

Komanso, zosankha zosiyanasiyana ndizotheka, chifukwa chake dalaivala alibe inshuwaransi ndi iye. Zilango za kuphwanya kosiyana ndizosiyana.

Malipiro oyendetsa popanda OSAGO

Palibe ndondomeko

Zabwino: 800 ma ruble.

Woyendetsa akuphwanya ndime 12.37 ya Code of Administrative Offences (gawo 2). Akuti:

"Kulephera kwa mwini galimoto kukwaniritsa udindo womwe wakhazikitsidwa ndi malamulo aboma kuti atsimikizire kuti ali ndi udindo wawo, komanso kuyendetsa galimoto, ngati inshuwaransi yokakamiza imadziwika kuti kulibe, kumaphatikizapo kuperekedwa kwa chindapusa choyang'anira kuchuluka kwa ma ruble mazana asanu ndi atatu.

Dziwani kuti ndondomeko yochedwa ikufanana ndi kusakhalapo kwake konse. Komanso, mutha kulipira chifukwa chosowa ndondomeko kangapo momwe mukufunira.

Ngati ndondomeko ya OSAGO ndi yamagetsi

Madalaivala ambiri tsopano amapereka ndondomeko zamagetsi za OSAGO. Mwamwayi, woyendetsa galimoto amakakamizika kusindikiza inshuwaransi pa printer ndikupita nayo.

Koma mmbuyo mu 2015, woyamba Wachiwiri kwa Prime Minister Igor Shuvalov adalangiza apolisi apamsewu kuti ayang'ane kupezeka kwa ndondomeko yamagetsi pazitsulo za RSA. Zikuoneka kuti dalaivala sayenera kukhala ndi chikalata chosindikizidwa.

Ndiye zonse zimadalira woyang'anira payekha. Ngati wapolisi akufuna kupatsa chindapusa mwiniwake wa malamulo apakompyuta omwe sanasindikize fomuyo, ndiye kuti akulondola. Koma mutha kuyesa kuwonetsa chikalatacho kuchokera pazenera la foni yanu, piritsi kapena chida china chilichonse.

Ngati mwaiwala ndondomeko yanu ya OSAGO kunyumba

Zabwino: 500 rubles kapena chenjezo.

Dalaivala amalipidwa pamaziko a Article 12.3 ya Code of Administrative Offences (gawo 2). Akuti:

"Kuyendetsa galimoto ndi dalaivala yemwe alibe zikalata zaufulu woyiyendetsa, inshuwaransi ya inshuwaransi yokakamiza ya eni ake agalimoto imaphatikizapo chenjezo kapena kuperekedwa kwa chindapusa choyang'anira kuchuluka kwa ma ruble mazana asanu."

Apolisi apamsewu ali ndi mwayi wopeza database ya ma inshuwaransi amoto (RSA). Woyang'anira atha kudziwa ngati dalaivala ali ndi ndondomeko ya OSAGO, kaya kuchokera pa kompyuta kapena kulankhulana ndi dispatcher.

Ngati mwaiwala kukonzanso ndondomeko yanu ya OSAGO

Zabwino: 800 ma ruble.

M'mbuyomu, ndondomeko yomwe idatha ntchito idagwira ntchito kwa mwezi wina. Koma tsopano lamulo ili silikugwira ntchito. Ngati mwaiwala kukonzanso unzika wanu, ndiye kuti mukuphwanya Article 12.37 ya Code of Administrative Offences (gawo 2).

Ngati dalaivala sakuphatikizidwa mu ndondomeko ya OSAGO

Zabwino: 500 ma ruble.

Izi zimachitikanso: pali inshuwaransi, ndipo woyendetsa galimoto yemwe sanaphatikizidwe mu ndondomekoyi akuyendetsa galimoto. Chindapusa sichili chachikulu ngati kulibe OSAGO. Koma chenjezo siligwiranso ntchito.

Woyendetsa akuphwanya ndime 12.37 ya Code of Administrative Offences (gawo 1). Akuti:

"Kuyendetsa galimoto mophwanya malamulo omwe aperekedwa ndi inshuwaransi iyi poyendetsa galimotoyi okha ndi madalaivala omwe asonyezedwa m'ndondomeko ya inshuwaransi iyi kuyenera kuperekedwa kwa chindapusa cha ma ruble mazana asanu."

Kugwiritsa ntchito mfundo zabodza za OSAGO

Chilango: 800 rub. + kuletsa/kutsekeredwa m’ndende kapena kugwira ntchito yokakamiza mpaka chaka chimodzi.

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.

Ngozi popanda ndondomeko ya OSAGO

Ngati mutachita ngozi, ndipo m'modzi mwa omwe atenga nawo mbali alibe ndondomeko ya milandu, kapena ndi yabodza, ndiye kuti zinthu zimakhala zovuta kwambiri. Tikuwuzani zomwe zikuyembekezera pamlanduwu ndi wozunzidwayo.

Wolakwa ndi ndondomekoyi, wozunzidwayo alibe

Sizisintha kalikonse kwa wozunzidwayo. Pokhapokha, pangozi, gulu la apolisi apamsewu lidzabwera kudzakonza, kuyang'ana zolembazo ndi "kukwapula" wozunzidwa ndi chindapusa cha 800 rubles chifukwa chosowa ndondomeko. Mulimonse mmene zingakhalire, wozunzidwayo adzalandira malipiro kuchokera kwa wolakwa wa inshuwalansi.

Wolakwa popanda ndondomeko, wozunzidwa ndi ndondomeko

Ndondomeko ya CMTPL ya wozunzidwa muzochitika izi sizikhudza kalikonse. Ngati sikunali kotheka kuvomereza chipukuta misozi ndi wozunzidwayo pomwepo, ndipo adadza kwa apolisi apamsewu, ndiye kuti wolakwayo adzalandira chindapusa cha 800 rubles. Koma izi sizoyipa kwambiri.

Mulimonse mmene zingakhalire, wolakwayo adzayenera kulipira ndalama zokonzetsera ndi kulipirira kuwonongeka kwa thanzi la wozunzidwayo, ngati kulipo. Wachiwiri pa ngoziyo ali ndi ufulu wotsutsa ngati simungagwirizane ndi kuchuluka kwa malipiro.

Palibe amene ali ndi ndondomeko

Kenako apolisi apamsewu amatha kupereka chindapusa cha ma ruble 800 aliyense kwa onse omwe adachita nawo ngoziyi. Wolakwayo amalipira mtengo wokonza galimoto ya wovulalayo kuchokera m'thumba lake. Mutha kuvomereza pomwepo. Ndikofunikira kudzaza risiti pakulandila ndalama komanso kusowa kwa zodandaula - kuti mupewe kuchulukirachulukira m'tsogolomu. Ngati kukopa sikunatsogolere ku chilichonse, ndiye kuti mlanduwo umapita ku bwalo lamilandu.

Mafunso ndi mayankho otchuka

Mu 2022, chindapusa chopanda ndondomeko ya OSAGO chikhoza kulipidwa ndi kuchotsera 50%. Ndikokwanira kulipira chiphaso mkati mwa masiku 20 kuyambira tsiku lachigamulo pa kuphwanya utsogoleri. Ndiye m'malo 500 rubles adzakhala okwanira kulipira 250, ndipo m'malo 800 rubles - 400.

Kodi chindapusacho chiyenera kulipidwa liti?

- Code of Administrative Offences imagawa masiku 60 a kalendala kwa izi - maholide ndi masiku opuma amaganiziridwanso. Pamapeto pa nthawiyi, mlanduwu udzapita kwa otsogolera, omwe adzayesa kusonkhanitsa ngongole kuchokera ku akaunti - ngati ali ndi ndalama. Ndikhoza kulanda katundu, etc. Komanso, kulephera kulipira chiwongoladzanja pa nthawi yake kungayambitse chindapusa chatsopano pawiri, koma osachepera 1000 rubles. Palinso miyeso yowonjezereka ya chikoka - ntchito mokakamiza kapena kumangidwa kwa utsogoleri, - akuti woyimira galimoto Vadim Korshunov.

Kodi pali chilango chachiwiri choyendetsa galimoto popanda OSAGO?

- Inde, kuyendetsa galimoto popanda ndondomeko ya OSAGO kumapereka mwayi wokonzanso wophwanya. Koma nthawi iliyonse chindapusa chidzakhala ma ruble 800, osati ochulukirapo, monga momwe zilili ndi zolemba zina za Code of Administrative Offenses. Komabe, zimakhala zovuta kwa madalaivala, makamaka pamene akuyenda mtunda wautali, - mayankho katswiri Vadim Korshunov.

Kodi inspector wa traffic police ali ndi ufulu wofuna inshuwaransi?

- Inde, woyang'anira apolisi apamsewu ali ndi ufulu wopempha kuti asapereke chilolezo choyendetsa galimoto ndi STS, komanso ndondomeko ya OSAGO. Chikalatacho chalembedwa pamndandanda wa mapepala omwe munthu ayenera kukhala nawo nthawi zonse akamayendetsa,” adatero loyayo.

Siyani Mumakonda