Даатгалын компанийг хөлжүүлдэг жолоочийн хариуцлагын даатгалын тогтолцоог шинэчлэх хэрэгтэй

ca0a5ba8f39e64d1371b83e8cecad4ceНийслэл хотын жолооч нар олон төрлийн даатгал, татвар төлдөгийн нэг нь Жолоочийн хариуцлагын албан журмын даатгал билээ. Мэдээж хэрэг даатгал, татвар  байх нь зүй ёсны хэрэг ч гэлээ шинээр хэрэгжиж эхэлсэн Зөрчлийн хуулийн хүрээнд энэ нь жолооч нарыг хохироож харин даатгалын компаниудад ашигтай болж байна.

Жишээ дурьдвал, санамсаргүй байдлаар осол гарган хэн нэгний машиныг шүргэн элдэв сэв зураас гарган зөрчил гаргалаа гэхэд тухайн жолоочийг 100 мянган төгрөгөөр торгож жолоочийн онооноос нь тавыг нь хасчихна. Энэ бол шинээр мөрдөж буй Зөрчлийн хуулийн заалт. Мэдээж хэрэг хууль дүрмээ хатуу чанд биелүүлж зохих шийтгэлийг оноох нь зүйн хэрэг.

Гэхдээ бодит байдал нь даатгалын компанид л ашигтай тусч байна. Зөрчлийн хуулийн заалтыг мэдэхгүй зарим нэг жолооч цагдаагаар хэргээ шийдүүлнэ хэмээн ослын газарт дуудах нь эцэстээ буруутай нэг нь 100 мянгаар ч торгуулна, мөн нөгөө жолоочийн хохирлыг ч барагдуулна, түүнээс гадна оноогоо ч хасуулна. Тийм болохоор сүүлийн үед жолооч нарын дунд ийм байдлаар зарлага гарахыг хүсэхээ больжээ.

Даатгалын компаниудын цэвэр ашиг 2016 онд 11.4 тэрбум төгрөгт хүрч 2015 онтой харьцуулахад 60.5 хувиар өсчээ. 2016 онд жолоочийн хариуцлагын албан журмын даатгалын үйл ажиллагаанаас гэхэд нийт 27.8 тэрбум төгрөгийн хураамж төвлөрүүлж, 33,188 даатгуулагчдад нийт 14.8 тэрбум төгрөгийн нөхөн төлбөр өгчээ.

Өөрөөр хэлбэл, даатгалын компаниуд жолоочийн хариуцлагын албан журмын даатгалаас 13 тэрбум төгрөгийн ашиг олсон байна. Харин жирийн иргэд энэ байдалд шулуусаар байх уу. Энэ асуудлыг өнгөрсөн оны сүүлээр ярьсаар өдийг хүрсэн, харин дорвитой арга хэмжээ авалгүй ингэж үргэлжлүүлсээр байх гэж үү.

С.Отгон

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