Umgaqo osisiseko usebenza kwimithetho yembuyekezo yaseDatshi: wonke umntu uthwala owakhe umonakalo. Ngamanye amaxesha, akukho mntu unetyala. Cinga, umzekelo, ngomonakalo ngenxa yesichotho. Ngaba umonakalo wakho wabangelwa ngumntu? Kwimeko enjalo, kunokwenzeka kuphela ukubuyisela umonakalo ukuba kukho isizathu sokubamba umntu onetyala.

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Amabango omonakalo

Imigaqo esisiseko isebenza kumthetho wembuyekezo wamaDatshi: elowo uwuthwala owakhe umzi. Ngamanye amaxesha, akukho mntu unetyala. Cinga, umzekelo, ngomonakalo ngenxa yesichotho. Ngaba umonakalo wakho wabangelwa ngumntu? Kwimeko enjalo, kunokwenzeka kuphela ukubuyisela umonakalo ukuba kukho isizathu sokubamba umntu onetyala. Imigaqo emibini ingahlulwa kumthetho wamaDatshi: uxanduva lwesivumelwano kunye nolwezobugqwetha.

Imenyu ekhawulezayo

Uxanduva lwetyala

Ngaba amaqela angena kwisivumelwano? Ke ayisiyonjongo kuphela, kodwa kunye nesibophelelo sokuba izivumelwano ezenziwe kuyo kufuneka zizalisekiswe ngawo omabini amaqela. Ukuba iqela alizalisekanga izibophelelo zalo phantsi kwemvumelwano, kukho ukusilela. Cinga, umzekelo, imeko apho umthengisi angazizisiyo iimpahla, azise kade okanye zikwimeko embi.

Nangona kunjalo, kukusilela kuphela okwangoku akunakukwenza kwimbuyekezo. Oku kufuna ukuphendula. Ukwenza uxanduva kulawulwa kwiNqaku 6:75 leKhowudi yeDatshi yaseDatshi. Oku kucacisa ukuba ukusilela kungabikwa kwelinye iqela ukuba kungengenxa yempazamo yakhe, kungenjalo ngenxa ye-akhawunti yomthetho, isenzo somthetho okanye umbono okhoyo. Oku kuyasebenza nakwiimeko zokunyanzelwa kwamandla.

Ngaba kukho ukusilela kwaye ngaba akunachaphazeleka? Kwimeko enjalo, umonakalo obangelwe awukabangwa ngokuthe ngqo kwelinye iqela. Ngokwesiqhelo, isaziso sokumiselweyo kufuneka sithunyelwe kuqala ukuze sinike elinye iqela ithuba lokufezekisa uxanduva lwangoku kunye nangexesha elifanelekileyo. Ukuba elinye iqela lisaphumeza ukufezekisa izibophelelo zalo, oku kuya kubangela ukungaphumeleli kwaye imbuyekezo inokubangwa.

URuby van Kersbergen

URuby van Kersbergen

Igqwetha-mthetho

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Ukongeza, uxanduva lwelinye iqela alunakuthathelwa ingqalelo, ngenxa yomgaqo wenkululeko yemvumelwano. Emva kwayo yonke loo nto, amaqela eNetherlands anenkululeko enkulu yesivumelwano. Oku kuthetha ukuba amaqela anokontraka akhululekile ukukhupha uxanduva lokuphendula. Oku kudla kwenziwa kwisivumelwano ngokwaso okanye kwimibandela ngokubanzi ebekiweyo isebenza kuyo kusetyenziswa igatya. Igatya elinjalo kufuneka, nangona kunjalo, lihlangabezane neemeko ezithile ngaphambi kokuba iqela elithile lize ngaphambili ukuba libekwe ityala. Xa igatya elinjalo likho kubudlelwane besivumelwano kwaye lihlangabezana neemeko, indawo yokuqala isebenza.

Uxanduva olusemthethweni

Enye yezona ntlobo zaziwayo kunye neziqhelekileyo zokuhlawula amatyala omthetho kukuhlaselwa. Oku kubandakanya isenzo okanye ukushiywa ngumntu okwenze okungekho semthethweni komnye umonakalo. Umzekelo, umzekelo, ngemeko yokuba undwendwe lwakho lunkqonkqoze ngengozi kwi-vase yakho exabisekileyo okanye luphose ikhamera yakho yefoto ebizayo. Kwimeko enjalo, iCandelo lesi-6: 162 leKhowudi yeDatshi yaseburhulumenteni lixela ukuba ixhoba lezenzo ezinjalo okanye izinto ezishiyiweyo linelungelo lokufumana imbuyekezo ukuba iimeko ezithile ziyahlangatyezwa.

Umzekelo, indlela yokuziphatha okanye isenzo somnye umntu kufuneka kuqala ithathwe njenge akukho semthethweni. Le yimeko ukuba isenzo sibandakanya ukophulwa kwelungelo elithile okanye isenzo okanye isenzo esenziweyo esaphula umsebenzi osemthethweni okanye isidima sentlalontle, okanye imigangatho engabhalwanga. Ngapha koko, isenzo kufuneka sibekhona zidityaniswe 'umxhaphazi'. Oku kunokwenzeka ukuba kungenxa yesiphoso sakhe okanye isizathu sokuba unoxanduva ngokomthetho okanye kwitrafikhi. Injongo ayimfuneko kwimeko yokuphendula. Ityala elincinci kakhulu linokwanela.

Nangona kunjalo, ukwaphulwa komgangatho okubonakalayo akusoloko kukhokelela kuxanduva kuye nawuphi na umntu owonakele ngenxa yoko. Emva kwayo yonke loo nto, uxanduva lusenokunqunyulwa ngu imfuneko yokuhambelana. Le mfuneko ithi akukho sinyanzeliso ekuhlawuleni imbuyekezo ukuba umgangatho ophulwe umthetho awusebenzisi ukukhusela kumonakalo owenziwe lixhoba. Kubalulekile ke ngoko ukuba 'umenzi wobubi' enze ngokungalunganga 'kulo' ixhoba ngenxa yokophula loo mgangatho.

Ibango lomonakalo

Iindidi zomonakalo

Ukuba iimfuno zesivumelwano esisivumelwano okanye sobutyala siyazifezekisa, imbuyekezo ibango. Umonakalo ofanelekileyo kwimbuyekezo eNetherlands uya kubandakanya ilahleko yemali kwaye enye ilahleko. Apho ilahleko yemali ichaphazela ilahleko okanye ilahleko yenzuzo, enye ilahleko engabakho Ngokomgaqo, ukonakaliswa kwepropathi kuhlala kuhlala kwaye kufanelekile ngokupheleleyo ukuhlawulwa, okunye ukungahambi kakuhle njengoko umthetho ubonelela ngamazwi amaninzi kangaka.

Imbuyekezo epheleleyo yomonakalo wenzekile

Ukuba iza kwimbuyekezo, imigaqo esisiseko ye imbuyekezo epheleleyo yomonakalo owenzekileyo iyasebenza.

Lo mgaqo uthetha ukuba umntu owenzakeleyo wesigulo esidala ukonakaliswa akasayi kubuyiselwa ngaphezulu komonakalo wakhe opheleleyo. Inqaku lesi-6: i-100 yeKhowudi yeDatshi yaseburhulumenteni ithi ukuba isigameko esinye asibangeli ukuba ixhoba libekho, kodwa sivelisa ezinye iinzuzo, esi sibonelelo kufuneka sihlawulwe xa kusenziwa isigqibo ngomonakalo oza kuhlawulwa, nangona kunjalo oku kufanelekile. Isibonelelo sinokuchazwa njengokuphuculwa kwesikhundla (se-asethi) sexhoba ngenxa yomcimbi obangelwe ngumonakalo.

Ngapha koko, lo monakalo awuhlali uhlawulwa ngokupheleleyo. Ukuziphatha okwenziwe lixhoba ngokwalo okanye iimeko kwindawo yomngcipheko wexhoba zidlala indima ebalulekileyo kule. Umbuzo omele ukubuzwa ngulo ulandelayo: ngaba ixhoba belizenzile ngendlela eyahlukileyo kunelenzileyo ngokubhekisele ekwenzekeni okanye kubungakanani bomonakalo? Ngamanye amaxesha, ixhoba linokunyanzelwa ukuba banciphise umonakalo. Oku kubandakanya imeko yokuba umcimi wokucima umlilo ubekhona ngaphambi kwesigulo esonakalisa, njengomlilo, senzeka. Ngaba kukho isiphoso esithile kwixhoba? Kwityala, indlela oziphethe ngayo Isiseko esikhokelela ekunciphiseni ukunyanzelwa kwembuyekezo yomntu obangela umonakalo kunye nomonakalo kufuneka wohlulwe phakathi komntu obangela umonakalo kunye nexhoba. Ngamanye amagama: indawo enkulu yomonakalo ihlala kwinkcitho yexhoba. Ngaphandle kokuba ixhoba lihlawulelwe i-inshurensi.

Ibango lomonakaloInsurance ngokuchasene nomonakalo

Xa ujonga oku kungasentla, kunokuba bubulumko ukukhupha i-inshurensi ukuze ungashiywa nomonakalo njengexhoba okanye unobangela womonakalo. Emva kwayo yonke loo nto, umonakalo kunye nebango ukuba yimfundiso enzima. Ukongeza, kule mihla unokuthatha ngokulula iinkqubo ezahlukeneyo zeinshurensi neenkampani zeinshurensi, ezinje nge-inshurensi yamatyala, indlu okanye i-inshurensi yemoto.

Ngaba ujongene nomonakalo kwaye ufuna ukuba i-inshurensi ikuhlawulele ngomonakalo wakho? Emva koko kufuneka uxele ngomonakalo kwi-insurer yakho ngokwakho, ihlala ingaphelanga inyanga. Kucetyiswa ukuqokelela ubungqina obuninzi boku. Obuphi ubungqina obufunayo buxhomekeke kuhlobo lomonakalo kunye nezivumelwano ozenzileyo kunye nomshuwalense wakho. Emva kwengxelo yakho, i-inshurensi iyakubonisa ukuba ngowuphi na umonakalo oza kubuyekezwa.

Nceda uqaphele ukuba umonakalo ubuyiselwe yi-inshurensi yakho, awungekhe uphinde ubange lo monakalo kulowo ubangelwe ngumonakalo. Oku kwahlukile ngokubhekiselele kumonakalo ongagutyungelwanga yi-inshurensi yakho. Ukunyuswa kwepremiyamu ngenxa yebango lomonakalo kwi-inshurensi yakho nayo kufanelekile ukuba ihlawulwe ngumntu obangele ukonzakala.

Inqanaba leklasi

Phantsi kweemeko ezithile, isenzo seklasi kunokuba yinto enomdla kwenye inkqubo enokubakho. Oku kuyakwenzeka ikakhulu ngomonakalo osasazwayo: inani lilonke lomonakalo owonakaliswe ngamaxhoba likhulu, kodwa umonakalisi wexhoba uphantsi. Kwimeko enjalo, imbuyekezo enokubakho ayisoloko izodlula iindleko zenkqubo, ixesha lotyalo-mali kunye nomngcipheko ixhoba elibalekela ukuphulukana nalo. Ukongeza, abo banembangela yomonakalo onjalo bahlala beyimibutho emikhulu abayaziyo inkqubo yezomthetho kwaye banemali eyaneleyo yokufaka isimangalo.

Ukusukela nge-1 kaJanuwari ka-2020, umthetho wokuBekwa ngokuBanzi kweMass kwinqubo edibeneyo sele isebenza. Oku kwenze ukuba kwenzeke kumaqela awenzakeleyo, omonakalo wawo ubangelwe sisigameko esinye okanye izigameko ezifanayo kwaye umntu okanye inani elithile elilinganiselweyo labantu (abasemthethweni) banobutyala, lokufaka ibango ngokudibeneyo ngembuyekezo kwiqela lenzala. Ngoku kukho ulawulo olunye lwezenzo zeklasi phantsi kweCandelo 3: 305a leKhowudi yeDatshi yaseburhulumenteni, nokuba ayikhangeli imbuyekezo ngemali okanye hayi.

iinkonzo zethu

At Law & More Siyaqonda ukuba nawuphi na umonakalo unokuba neziphumo ezibi kakhulu kuwe. Ngaba ujongene nomonakalo kwaye uyafuna ukwazi ukuba ungawufaka okanye ungawubanga njani lo monakalo? Ngaba ujongene nebango lomonakalo kwaye ungaluthanda uncedo lwezomthetho kwinkqubo? Ngaba unomdla wokufumana enye into esinokubenzela yona? Nceda unxibelelane Law & More. Amagqwetha ethu ziingcali kwicandelo lezimangalo zomonakalo kwaye onwabile ukukunceda ngendlela yobuqu kunye neendlela ekujoliswe kuzo kunye neengcebiso!

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Sitsalele umnxeba kule nombolo +31 (0) 40 369 06 80 okanye usithumelele i-imeyile:

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