Kodi zimenezo inshuwalansi zikugwirizana nthawi dalaivala. Kodi munthu kulowa mu inshuwalansi?

Lero, sipafinikanso kuti alembe ulamuliro kwa mayendedwe anu akhoza kusamalira munthu wina aliyense, koma inu. Ndi zokwanira mwachindunji deta kuti munthu mu CTP ndondomeko. Koma izo zimachitika kuti pa nthawi imene mfundo yatsopano kale chikalata dalaivala. Zilibe kanthu! Mukhoza kusintha chikalatacho, koma osati kwaulere ndi kugwilizana ndi njira zonse. Kodi inshuwalansi zoyenera munthu kuchita izo molondola?

mndandanda wa mapepala

Musanayambe kulemba ndi woyendetsa inshuwalansi MTPL, onetsetsani kuti zikalata zonse zofunikira zilipo.

1. Panopa CTP ndondomeko.
2. Pasipoti ndi ufulu wachibadwidwe galimoto, amene ayenera zidzawonjezedwa kwa inshuwalansi.
3. Ngati mwini sangathe kupezeka pa munthu nthawi ya ndondomeko kusintha malamulo, ayenera kukonzekera mphamvu ambiri a loya.
4. Statement ku kampani ya inshuwalansi ndi kukonzanso.

Otsiriza mfundo - mkhalidwe okhulupirika. Lembani ntchito angathe kukhala mu ofesi ya kampani ya inshuwalansi. Ndipo ndithudi mulibe, monga wantchito yekha adzakonza mawonekedwe, kokha ndi kulemba siginecha. Koma ndi chovomerezeka kulemba ntchito pasadakhale ndiponso mu mawonekedwe free, koma chisanadze cheke ndi insurer, amene chofunika chiphunzitso kuti ali chikalatacho.

Ngati dalaivala ali m'gulu mndandanda akhoza kukhala pano pa likhale la dzina lake malamulo, osadandaula. Ndi okwanira kuti mwini galimoto anali ndi membala wa zikalata watsopano.

Kodi ndondomeko

Pakuti chilichonse pamafunika munthu pazipita maminiti khumi ndi asanu, osati kuwerenga motsatana ndi msewu wopita ku ofesi. Makampani ena bungwe kuyenda insurer nthumwi kunyumba kapena kwina, yabwino kasitomala.

wantchito angamvetsere mafunso onse, kuwerengera mmene ndalama kulowa munthu inshuwalansi mwachindunji ntchito yanu, kusintha Nawonso achichepere ndipo adzakhala abwereze mfundo. wothandizila Chatsopano dalaivala akhoza kulowa inshuranse akale. Koma kawirikawiri wakale mawonekedwe kwa mwini galimoto achotsedwa ndipo analoledwa kubwerera kwa watsopano - ndi kusintha onse.

Kaya deta analowa, zolemba ayenera zikutsimikiziridwa ndi siginecha wantchito ndi chisindikizo kampani.

Chifukwa kusintha mfundo mtengo

Ndondomeko palokha si ndalama chilichonse, koma mwina kusintha ndalama za ndondomekoyi, ngati azitaya ngozi. Mwachitsanzo, membala watsopano akhoza kukhala aang'ono msinkhu ndi galimoto zambiri kuposa mwini galimoto. mtengo wa malamulo anatsimikiza ndi gulu MTPL pa choopsya dalaivala, choncho manenjala wa inshuwalansi kampani ali ndi ufulu kupempha chipukutamisozi kuchotsera pa vuto lililonse ulendo, amene poyamba zapatsidwa kwa mwini galimoto.

Onetsetsani kusunga polandirira msonkho kwa woyang'anira owonjezera! Kungakhale kofunika ngati membala watsopano limalowera mu ngozi.

Ngati "chatsopano" pa zaka 25, ali zaka zoposa zitatu galimoto zinachitikira kale anamaliza kale CTP zimenezi, n'zotheka kuti kanthu sadzakhala ndi kulipira owonjezera. Kodi zimenezo inshuwalansi zikugwirizana woyamba wa - adzayenera mwachindunji ndi inshuwalansi kampani awo n'zovuta kuwerengera. Zotsatira palokha mawerengedwe akhoza wosiyana leni. Komabe tikhoza tione chitsanzo cha mawerengedwe, kupanga bwino bwanji phindu latsopano.

Mwachitsanzo mawerengedwe

Mwachitsanzo, zaka twente faifi, muli bwinobwino (osawonongeka) kuyendetsa galimoto zaka zisanu. I.e. ndi 8 CTP gulu limagwirizana bonasi ndi chilango mfundo Chinthu (MSC) wa 0,8, motero 20% kuchotsera. The koyefishienti kwa zaka / nthawi (SWR) 1.

Mukufuna kuwonjezera inshuwalansi khumi wachibale inalandira lamulo. Ife tikupeza momwe ndalama kulowa galimoto inshuwalansi nthawi.

SWR chatsopanochi dalaivala ndi 1.8 ndi MSC - 1 (muyezo 3 kalasi anatumizidwa madalaivala onse, oyamba formalized CTP).

Musamachite zinthu popanda kuganizira SWR ndi KBM mfundo mtengo 7000 rubles. Choncho, pambuyo ntchito zinthu wanu analipira: 7000 * 0,8 * 1 = 5600 rbl.

Ngati inshuwalansi anati anthu owerengeka, mtengo kuchita masamu malinga ndi kugonjetsa zovuta koipa. Kuti ndi mtengo watsopano vuto lanu kudzayesedwa ndi koefishienti kwa ophunzira atsopano: 1 * 7000 * 1.8 = 12,600 rubles.

kusiyana ndi 7,000 rubles. Koma amafunika kudzudzulidwa pa nthawi imene mukufuna kulemba dalaivala latsopano. Ngati miyezi sikisi zatsala pang'ono kutha mfundo, muyenera kulipira osati 7000 ndipo 3500 rubles.

Kodi anthu ambiri kulumikiza mu malamulo

Ndiyeno, kodi ndalama kulowa latsopano inshulansi, pang'ono anamvetsa. Tsopano ife tikupeza momwe madalaivala ambiri akhoza kuloledwa kulamulira makina mu inshuwalansi limodzi.

Palibe chiletso, ngakhale kuti maonekedwe zimene minda onse asanu malangizo nkhope latsopano. Ngati danga sikokwanira, oyendetsa ili pa mfundo kapena kumbuyo kwa "Mfundo Special" kapena pepala zina, amene ntchito inshuwalansi.

Kaya chiwerengero cha anthu kuti angalole ku chiwongolero galimoto yake, ndi insurer alibe ufulu amafuna inu kupanga ndondomeko ndi palibe malamulo. Chinthu china ndi chakuti ngati chiwerengero cha madalaivala ndi anthu oposa atatu, ndiye njirayi ndi yopindulitsa kwambiri.

Kodi n'zotheka kuti alembe dalaivala latsopano alumikizana ndi

Kumene, mungathe. Kodi mtengo kulowa inshuwalansi CASCO munthu watsopano, kunena zovuta kuposa zinachitikira CTP lapansi. Pambuyo tariffs zonse za inshuwalansi pagulu ayenera kukhazikitsidwa ndi Bank ku Central, ndi chirichonse ndi munthu kwambiri ndi Hull. Koma mfundo yake ndi imodzi: izo zidalira pa akuti otsala mfundo ndi m'gulu la magawo.

Ngati inu muli alumikizana kwa kanthu, kuchotsera wako pambuyo kuwonjezera dalaivala latsopano zikuoneka kuti awotchedwe. Kapena, Tikawonetsetsa gulu lako lili ubwino pamene inscribing woyamba.

Kodi inu simungakhoze kuchita

Nkofunika kudziwa mmene ndalama kulowa okha inshuwalansi kapena kuwonjezera mndandanda wa ena mwa achibale, koma iwo siziboola malamulo ndondomekoyi. Apo ayi, mtengo likhale lamulo la dalaivala latsopano zingawonjezere nthawi zambiri.

Mwachitsanzo, ndi zosavomerezeka kulemba nokha. Izi zikhoza kuonedwa monga chinyengo ndi. Komanso, mu nkhani iyi kuwonongeka mu ngozi dalaivala adzakhala reimburse m'thumba.

Mwa njira, ngati inu - mwini wake wa galimoto, onetsetsani kuti dzina lanu ndi mu mndandanda. Nthawizina mfundo sizikupanga munthu amene ali galimoto, kukangana kuti muyeso - atione. Nawa mungowanyalanyaza linaopseza kuti mwini galimoto kulipira kumawononga likhoza ngozi, ngakhale kuli malamulo.

Ngati inu kupanga munthu kusamalira mayendedwe anu popanda kusintha kwa malamulo, izo zidzapangitsa kuti chabwino ndi.

Tsopano inu mukudziwa momwe ndalama kulowa inshuwalansi dalaivala latsopano momwe angachitire kuti angayambe pamene kunyalanyaza lamulo limeneli. Pangani mapepala molondola ndipo samalani m'misewu!