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Недвижими Имоти в България, Продава, Купува, Под наем, Цени. - Гражданска отговорност на МПС - Форум Imoti-Bulgaria.com
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Валутни курсове


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Подробно търсене


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Подреди имотите по:

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Как да купя

Deprecated: Function split() is deprecated in /home/imotibu/public_html/modules/mod_mainmenu.php on line 52
Как да продам

Deprecated: Function split() is deprecated in /home/imotibu/public_html/modules/mod_mainmenu.php on line 52
Застраховки

Deprecated: Function split() is deprecated in /home/imotibu/public_html/modules/mod_mainmenu.php on line 52
За реклама

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Условия за ползване

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Ресурси
Форум

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Спонсори


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ПОДОБНА ИНФОРМАЦИЯ


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Гражданска отговорност на МПС (1 прочитания) (1) Гости
Върви най-отдолу Отговори Превилегии: 0
TOPIC: Гражданска отговорност на МПС

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Гражданска отговорност на МПС 9 Години преди
 
Застраховката е задължителна и реда за сключването и е регламентиран в Кодекса за застраховането и Наредба № 18/18.11.2004г. Точното и наименование е: “Задължителна застраховка гражданска отговорност на собствениците, държателите и ползвателите на МПС”, но е по-известна като “Гражданска отговорност на МПС”, “Гражданска отговорност на автомобилистите” или само като гражданска отговорност.



Трябва да се направи уточнение, че под наименованието “Гражданска отговорност” съществуват и много други застраховки, част от които също са задължителни, например “ГО свързана с притежаването на оръжие”, “ГО на плавателни съдове”, “ГО на летателни апарати”. Съществуват и множество застраховки известни като професионални отговорности – на лекари, адвокати, нотариуси, архитекти, проектанти, строители, оценители, застрахователни брокери ит.н., както и застраховки “отговорност на продукта”. Всички тези застраховки покриват вреди причинени на трети лица пряко или косвено от застрахования, т.е. гражданска отговорност.

Застраховката “Гражданска отговорност на МПС” покрива имуществени и не имуществени вреди, причинени на трети лица, свързани с притежаването и/или използването на моторно превозно средство, собственост на застрахования, за които вреди застрахования отговаря пред българското законодателство или пред законодателството на държавата, където е настъпила вредата.

Застраховани лица са собственикът на МПС, за което е налице валидно сключен застрахователен договор /застрахователна полица/, както и всички лица които владеят на законно основание МПС.

Трети лица са всички лица с изключение на лицето което отговаря за причинените вреди.

Казано по-просто застраховката покрива вредите, които водачът на застрахованият автомобил причинява на друго лице/а/, в следствие на инцидент с автомобила. Застраховката не покрива щети по застрахованото МПС или не имуществени вреди на водача на застрахования автомобил. За тези вреди са предвидени застраховките Каско на МПС и Злополука на местата в МПС. Тези застраховки са доброволни.

Територията на която важи застраховката е: Република България, страните членки на Европейския съюз и страните членки на споразумението по “зелена карта”. Зелена карта се нарича международният сертификат, който удостоверява наличието на застраховка гражданска отговорност.

Лимитите на отговорност на застрахователя за Република България са: а всяко събитие при едно пострадало лице – 1 000 000 лева, за всяко събитие при две или повече пострадали лица – 5 000 000 лева, за вреди на имущество за всяко събитие – 1 000 000 лева.
При събитие настъпило в друга държава се прилагат лимитите на държавата, където е настъпило събитието или по лимитите на държавата, където обичайно се намира моторното превозно средство, когато този лимит е по-висок.

Премията по застраховката се определя от застрахователите компании, съобразно статистика за изминалите години. Тя е различна за различните компании.
Премията може да се разсрочва на вноски, като е нормално при разсрочване на има завишени.

Съгласно общите регламенти на Европейския съюз по отношение на застраховката премията е единна за териториалния обхват на застраховката. Това означава, че не трябва да има разлика в цената на застраховката определена от застрахователната компания за България и за останалите държави от споразумението по “зелена карта”. Противно на това е допустимо прилагане на отстъпки за управление на МПС предимно на територията на една държава, като при напускане на територията и застрахованият трябва да върне направената му отстъпка.

За самият сертификат е допустимо да се доплатят единствено административни разноски /стойността на сертификата/, като много от застрахователните компании в България не събират такива разноски. Размерът на административните разноски за издаване на сертификата са около 10 лева и не е нормално да ви бъдат поискани повече от тази сума за издаването на сертификат или ако сте ползвали отстъпка за управление на МПС предимно в България – размерът на отстъпката плюс 10-12 лева.

Някой важни изключения – застрахователя не изплаща обезщетения за: вреди претърпени от виновния водач; вредите причинени на пътник в МПС, управлявано от виновния водач или на имущество на член на семейството му; вреди на самото МПС или на имущество превозвано с него. Други изключения са свързаните с извършване на престъпления и/или терористични актове, при състезания с автомобили, замърсяване на околната среда, радиация, обезценка на имущество. Не се възстановяват и плащания извършени от системата на държавното социално и здравно осигуряване, т.е. размерът на обезщетението не е обвързан с обезщетенията които пострадалото лице има право да получи от НОИ.

Задължителна злополука на пътниците в обществения транспорт – ЗПОТ

Превозвачите, които извършват обществен превоз на пътници на територията на страната са длъжни да сключат застраховка “злополука” на пътниците които превозват.

Средства за обществен превоз са: релсови превозни средства /влакове и трамваи/; тролейбуси и автобуси; летателни апарати; морски и речни плавателни съдове; въжени линии; таксиметрови автомобили.
Обект на застраховката са животът, здравето и телесната цялост на пътниците в средствата за обществен транспорт. За пътници се считат лицата намиращи се в превозното средство и тези намиращи се в непосредствена близост до него при качване и слизане.

Не се застраховат водачът на превозното средство и обслужващият персонал, те са обект на доброволна застраховка “злополука”.

Минималната застрахователна сума за която всеки пътник трябва да бъде застрахован е 20 000 лв. за всяко събитие.

Отговорността за изплащане на обезщетение от страна на застрахователя настъпва когато при претърпяна злополука е причинена смърт или трайна загуба на трудоспособност на пътник.
 
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Strict Standards: Non-static method SimplePie::sort_items() should not be called statically in /home/imotibu/public_html/modules/mod_jw_srfr.php on line 115

Strict Standards: Non-static method SimplePie::sort_items() should not be called statically in /home/imotibu/public_html/modules/mod_jw_srfr.php on line 115

Strict Standards: Non-static method SimplePie::sort_items() should not be called statically in /home/imotibu/public_html/modules/mod_jw_srfr.php on line 115
  • Тема на съобщението
    : спад на цените на жилищата за 2010 г. спрямо 2009 - от
    : marinandreev

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791
  • Тема на съобщението
    : Гражданска отговорност на МПС - от
    : ross

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791
  • Тема на съобщението
    : Климатичната техника не е стандартна битова техник - от
    : ross

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791
  • Тема на съобщението
    : Как се определя размера на обезщетението по ГО? - от
    : ross

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791
  • Тема на съобщението
    : Почистване на дограма - от
    : ross

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791
  • Тема на съобщението
    : Re
    :Парцел в Пазарджик - от
    : marinandreev

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

Strict Standards: Non-static method modules_html::module2() should not be called statically in /home/imotibu/public_html/includes/frontend.php on line 166

Strict Standards: Non-static method modules_html::modoutput_xhtml() should not be called statically in /home/imotibu/public_html/includes/frontend.html.php on line 112

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Strict Standards: Non-static method mosCache::getCache() should not be called statically in /home/imotibu/public_html/includes/frontend.php on line 133

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/imotibu/public_html/includes/phpInputFilter/class.inputfilter.php on line 457

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/imotibu/public_html/includes/phpInputFilter/class.inputfilter.php on line 459