Payments of 3000 for minor children due to coronavirus

Legislation

An important legislative document that spells out the nuances of MTPL insurance is the Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners.” The release of the act dates back to April 25, 2013. Changes were later made to improve the customer experience.

Based on the requirements of the document, it is clear that insurance must be provided. It is required to protect against road accidents, so that there are no unnecessary expenses in case of violation of the rules. The insurance company undertakes to reimburse the injured party.

All car owners must comply with the rules of the contract. If it is not concluded on time, the punishment will be deprivation of rights. And restoration occurs only after receiving the necessary documentation, in particular, MTPL.

Reviews indicate that it is better to take out a policy right away, since the owner of the car is subject to fines. Many people believe that it is better to use the services of trusted companies. Most of them offer favorable conditions. Many owners advise immediately applying for CASCO insurance so that the ride is much calmer. This policy provides compensation for the repair of your car.

How and where to draw up a deed of gift for an apartment?

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• and sample No. 3.

Donation is one of the ways to alienate rights to real estate. Before drawing up a deed of gift, you should familiarize yourself with all the nuances of drawing up such an agreement and possible costs.

Advantages of a gift agreement

A deed of gift for housing assumes that the donor transfers his apartment to the donee free of charge and without any conditions, unless they were additionally included in the contract.
That is, when receiving an apartment as a gift, the recipient only bears the costs of registering documents. When the contract contains clauses on any monetary or property compensation for the donor, this is not a gift, but a transaction.

The main advantage of a deed of gift is that when accepting an apartment as a gift from a close relative, you are not required to pay tax. Gifting an apartment to distant relatives or third parties is subject to a tax of 13% of its cadastral value.

Also, an apartment acquired as a gift cannot be divided between spouses if they file for divorce.

The disadvantage of gift agreements is that they can be challenged in court. To minimize such risks, you need to responsibly approach the preparation of the deed of gift and comply with all requirements.

In what cases is it impossible to issue a deed of gift?

The law provides for cases in which housing cannot be donated:

1. Parents or guardians do not have the right to give an apartment to anyone if their minor child is among the owners.
2. You cannot give an apartment as a gift to employees of government agencies and social security workers if the donor used their services.
3. Employees of educational and medical institutions cannot receive an apartment as a gift from their pupils and patients, respectively.
4. You cannot make a donation of an apartment without obtaining the consent of your spouse.
5. If the donor of the apartment died before the right of ownership transferred to the donee, it will not be possible to register this right in the future. For such situations, there is such a type of alienation of housing as a will.

Requirements for an apartment donation agreement

The agreement must be in writing. You can draw it up from a notary or yourself. It is important to format it correctly. To do this, the following information must be included in the contract:

• Full name, passport details and place of registration of the donor and recipient;
• details of the document confirming the donor's ownership (certificate of inheritance, agreement of exchange, purchase and sale, etc.);
• data on the subject of the contract, that is, real estate: name (apartment), exact address and characteristics - number of rooms, size of living and total area;
• signatures of the parties.

When donating not the entire apartment, but a share, it is necessary to reflect this fact in the contract and indicate the size of the alienated area.

Necessary documents for registration of deed of gift for an apartment

You need to prepare the following package of documents:

• passports of the donee and the donor;
• a document confirming the donor’s rights to own housing;
• certificate of state registration of the donor's property rights;
• gift agreement - one copy for each donee (if there are several), a copy of the donor and another one that remains in the Registration Service, that is, at least 3;
• cadastral passport of the apartment;
• technical passport of the apartment (obtained from the BTI);
• certificate of all persons registered in the apartment (extract from the house register);
• consent of the second spouse, certified by a notary, if the apartment is in common ownership;
• consent of legal representatives if one of the parties to the agreement is incapacitated or a minor;
• power of attorney for a representative if the transaction is not carried out by the donor himself.

Procedure for registering a deed of gift

After the gift deed has been drawn up, it must be registered with Rosreestr or the MFC. To do this, you need to provide the above documents.

The contract itself must be signed not in advance, but directly in front of the registrar. Then, based on the submitted documents, an employee of the registration authorities draws up an application, which is signed by the parties, and announces the amount of the state duty. This depends on what share of the apartment is alienated (the whole, a third, etc.), as well as on the number of donees.

When alienating an entire apartment from the donor to one donee,
the state duty will be 2,000 rubles : 1,000 rubles.
– for registration of a gift agreement and 1,000 rubles. - for registration of the donee’s property rights. If necessary, the Registration Service may require other documents when registering a deed of gift.

All documentation, except original passports, is taken by an employee of the Registration Chamber and issues a receipt for their receipt. It will indicate the date of issue of the completed certificate of title. It is given to the recipient. Each participant in the agreement also receives a copy of the registered gift agreement.

It should be noted that if the recipient of the apartment as a gift is under 14 years old, the agreement is signed by his legal representatives. If the donee is a minor over the age of 14, then the agreement requires both his signature and the signatures of representatives.

Registration of a deed of gift for an apartment from a notary

Many people prefer to use the services of a notary to draw up a gift agreement. This will entail additional cash costs. The cost of drawing up an agreement by a notary depends on the price of the alienated apartment.

However, contacting a notary is an additional guarantee that the document will be drawn up correctly and will not be easy to challenge.

As a rule, the donee pays the costs, but the parties can resolve this issue among themselves, for example, divide the costs equally.
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Types of insurance companies

Where is the best place to apply for compulsory motor liability insurance? Since insurance is mandatory, you need to choose the right company. All companies operate on the basis of a single program, but not all companies are reliable and perform their functions professionally. Favorable conditions are offered by Ingosstrakh OSAGO, Rosgosstrakh, Soglasie. It is necessary to select suitable conditions.

Only trusted companies should be trusted with compulsory motor liability insurance. Reviews from car owners show that there are several reliable companies that you can safely contact. These include:

• "Rosgosstrakh": the company was created by government agencies, so it is very reliable, its market share is 35.83%.
• “Alfastrakhovanie”: the company is among the best due to its effective activities, reviews indicate affordable prices: the company has been operating for more than 20 years, and during this time many people have begun to use its services.
• “Consent”: the company carries out activities with individuals and legal entities, in addition to compulsory motor liability insurance, other types of insurance are also carried out.
• "Renaissance Insurance": although the company has existed for so long, it has still managed to win the trust of car owners.

In addition to these companies, other companies also provide insurance. Rating institutions include Ingosstrakh OSAGO, Uralsib OSAGO, SOGAZ. Similar conditions are offered everywhere, but there are also differences. Calculation of the cost of compulsory motor liability insurance must be carried out on the basis of the law.

Where it is better to apply for compulsory motor liability insurance, the car owner must decide independently based on the conditions suitable for him. To do this, you must first familiarize yourself with the information on the services provided.

Tip #2

To make your story come alive, use the “free writing technique.” What does it mean? Set yourself a timer: 15 minutes, 30 minutes, etc. at your own discretion. Ask yourself why you are doing this and how you came to your project, and start writing whatever comes to mind.

Don't try to write well, give yourself permission to do it as best you can. Your task is not to create a masterpiece, but to write without stopping for the allotted time. This is a draft and you just need to unload as much information as possible from your mind, even if it is a bunch of unrelated paragraphs.

Take a break (this could be an hour or a day). Afterwards, re-read your draft. If you see that the written material is enough for a good story, sit down to write a clean copy. If not, repeat the exercise with a timer.

I would like to immediately answer two questions that I am often asked:

1. Should the resulting story be long or short? I believe that size does not matter here. The main thing is that it is interesting.
2. What to do if there is a lot of text and it’s a pity to just “throw it away” ? You can choose the most important thing for the “About the Author” section, and then publish the rest on a blog or social networks in the form of stories.

Through the Internet

Now you can apply for compulsory motor liability insurance via the Internet, and you don’t need to go anywhere to do this. After the purchase, you will receive a document by email that you need to download. On the website you can calculate the cost of compulsory motor liability insurance.

Due to the advent of electronic documents, traffic police officers can check it without a paper policy. And with the help of cameras, the lack of insurance will be recorded by car number.

Electronic policies have become available in our country since 2020. This provided an opportunity to choose a suitable company, as well as draw up a document in a comfortable environment. You can obtain MTPL via the Internet on the official website of the selected company. Payment is made by credit card and popular payment systems.

Massive files with instructions and regulations

Instructions and regulations are the pain of any intranet. They are often posted as files in Word. Sometimes intranet managers copy the contents of documents and publish entire encyclopedias in sections.

I don’t want to open the instructions, since they are usually written in dry, incomprehensible and clerical language. In addition, they are huge in volume - from three pages or more. It’s easier for an employee to call support or ask a colleague with a question.

Example instructions with rules for using the corporate portal

Think about another important goal of an intranet - reducing the time spent searching for information. When you post multi-page instructions on the intranet, it does not reduce search time, but, on the contrary, increases it.

What is the best way to format instructions?

• Formulate points with abstracts, or better yet, with short questions.
• Add icons, highlight questions and answers in a different color
• Use diagrams to help the reader understand the steps
• Leave more space between items

When someone asks you on the street how to get to the metro, you answer in one sentence. This should be the ideal instruction - short and understandable. In our work, we are inspired by the instructions of the State Services portal.

An example of instructions for registering a car on the State Services portal

Cheap options for registration of compulsory motor liability insurance

Where is the best place to apply for MTPL to save money? Insurance companies are increasing their payouts. This causes the bankruptcy of firms, which is observed during the economic crisis. In order for the company to exist in difficult times, it offers services with attractive conditions.

You just need to carefully read the principles of providing compulsory motor insurance. If the cost of the policy is small, then it may not cover the risks, but the funds should be intended to completely repair the car in the event of an accident. Therefore, you should not focus on cheap options, because they may have some conditions.

Ideas for decorating a hallway

The design of the hallway should not be ignored, even if it is a small corridor. It is important to remember that the hallway is the place that most often catches the eye of house guests, neighbors, and even people passing by the apartment. A kind of hallway is the face of the house, what the guest who comes to the house first sees.

When starting repair and finishing work, it is taken into account that this area of ​​the house is most often exposed to contamination. In this regard, stone is the best choice, as it is resistant to dirt, but it is worth abandoning pure white stone.

Cost of OSAGO

If you are interested in where is the best place to apply for compulsory motor liability insurance in Moscow, then you need to visit several popular companies and then choose the right one. Basic tariffs are approved by law, but many companies have inflated or underestimated prices.

The main criteria affecting the price of the policy include:

• engine power;
• place of registration of the car;
• owner's age;
• driving experience;
• practice.

It is better to choose compulsory motor liability insurance for 10 months, which means you do not need to pay additional funds. The basic tariff is 3432-4118 rubles.

Receiving an insurance premium

The insurance company, upon application, opens a case due to damage incurred, for example, in an accident. Employees perform their own investigation of the incident. All subtleties, details of the event, and data of the affected persons must be taken into account.

The insured person must immediately notify the company about the event. It is advisable to submit an application in the manner approved by law, attaching all documents. Compensation is accrued after verification of the insured event. An amount of about 50,000 rubles is usually transferred without any difficulties.

Compensation is paid if:

• 1 vehicle was damaged;
• both parties have a compulsory motor liability insurance policy;
• There were 2 cars involved in the accident.

The injured person receives insurance compensation, so it is indicated in the application. Sometimes payment is replaced by repair and restoration work.

Choosing an insurance company

When choosing a company, you need to pay attention to the following indicators:

• company rating: if the company’s reliability level is high, then it consistently pays compensation and also performs its work professionally;
• size of the authorized capital: policies must be purchased where the authorized capital is more than 500 million rubles;
• financial indicators: they include the amount of bonuses and the percentage of payments;
• advertising: it is best to focus on reviews from real clients, even better from friends, and not on videos on the Internet or TV;
• conditions: it is necessary to study all the nuances of providing the service.

Professional insurance companies work in harmony. Specialists always advise their clients on issues of interest. When an insured event occurs, an inspection is carried out, and funds are transferred to the injured party quickly.