Chifukwa zokwera mtengo Car Insurance

Mu 2011, ziziyenda mobwerezabwereza anati kuwonjezeka mu mtengo wa CTP ndi mwamphamvu ndi izi. Pa nthawi yomweyo akuyembekezera nyamuka watsopano mitengo. Chifukwa chiyani?
Malinga Union ndi Russian a inshuwalansi akuda, kuchuluka kwa mitengo inshuwalansi chimene chinachitika chinali kuti amafunika July 2011. Pankhaniyi, kampani imatengedwa mitengo kukula osakwanira ndi kukonzekera kusintha latsopano.
M'malamulo panopa, boma kusintha tariffs kwa mokakamizidwa galimoto TPL inshuwalansi kamodzi pa miyezi 6. Pa yemweyo eni galimoto nthawi, amene zambiri ntchito Intaneti Chiwerengero CTP anati anthu awiri okha a ukuwonjezeka mtengo zaka 8 lotsiriza la Chilamulo pa CTP. Zombo Russian zasintha kwambiri zaka, kwenikweni anali Mokweza. Choncho, kuchuluka ndi kukula avareji ndalama za inshuwalansi pa chitsulo. Komanso, kufufuma kwachititsa wokwera pa zida zosinthira ndi mtengo siteshoni muyezo maola utumiki.
Voliyumu ya magalimoto anagulitsa zikuchulukirachulukira chaka ndi 30-40%, koma zofunikira msewu akanali yemweyo. Ogula kukongoza ali gawo kukula, kotero kumbuyo gudumu la galimoto akukhala ambiri madalaivala achinyamata ndi mlingo wochepa kwambiri maphunziro. Zonsezi zinathandiza kuti kukula pa ngozi zapamsewu Choncho, zinachititsa kuti imfa ya CTP inshuwalansi akuda.
M'zaka zaposachedwapa, kuchuluka kwa ngongole za inshuwalansi akuda kuchuluka. Kusiyana pakati pa udindo wa kampani ndi kuchuluka kwa inshuwalansi Kuphunzira, monga nthumwi ya PCA, zikanakhala zotheka kuti chifukwa chokha cha zosautsa wa tariffs ndi koefishienti awo. M'zaka zapitazi, eni galimoto amene ntchito CASCO ndi CTP mawerengedwe, anati azimuth oopsa. Pa chaka chathachi, msika anasiya 26 makampani, ndi pa 8 zaka akuti sar tithe kuti thinned kwambiri, chifukwa Union wasiya 60 makampani. Ambiri a inshuwalansi akuda anati yokha zinatha, monga mwa mayendedwe a kukula malipiro anali kwambiri kuposa mlingo wa kukula kwa premiums.
Choncho, ngati ponso zosasangalatsa mitengo malamulo CTP kunali koyenera. Ngati uyu anali chinachitika, zingakhale bwino oipa chithunzi cha msika pano. Malinga ndi kampani ya inshuwalansi, mphamvu iliyonse ya tariffs latsopano lidzakhala okha chaka chotsatira, pamene eni onse galimoto ndi nthawi yolimbikitsa ndondomeko. Ophunzira za akuti sar kudziŵika kuti kusintha yekha wa tariffs ndi mitengo tariff kosakwanira. Ngati makampani kusankha kuonjezera malire zodzinenera inshuwalansi, izi zidzapangitsa kuti nyamuka latsopano mitengo inshuwalansi.