Inishuwarenzi nokuti motokari: design, kukarukureta

Kutenga motokari achabatsirwa vanoverengeka pachishandiswa rinoda kuitwa. Izvi zvinosanganisira uye kuguma okutengesa chibvumirano (chipo, nhaka, nezvimwewo. P.) Uye một vanopfuura, uye inishuwarenzi motokari, uye kunyoresa muna MREO yomumugwagwa mapurisa. Uye tora zvakafanira zvose kuti chaizvoizvo murayiro uyu, zvikasadaro uchange kutumwa kurashikirwa pfungwa danho rinotevera.

Ngatikurukurei injini wechitatu bato inishuwarenzi, uye zvose zvine chokuita nayo.

mitemo inishuwarenzi

inishuwarenzi Car mutemo unoti munyika yedu. The inishuwarenzi chezvawanyora zvakakodzera kuti kune mhando dzose motokari. The chete kunze ndivo motokari uyo, nokuti michina zvinhu haifambi kudarika 20 km / h, kana kuva Defence Ushumiri haabvumirwi ishande.

Kana zvakakodzera, unogona inishuwarenzi motokari munzvimbo dzakasiyana, kuti ndiyo. E. Kwete panguva yaaigara. Muchiitiko chino, zviri chinodiwa kungoita kusarudza kambani kana hofisi, anowanika munharaunda, paungawana nguva kushandisa motokari kwegore (kana mimwe rokuti mutemo zviito).

Kushaikwa inishuwarenzi mumazuva 10 pashure kwemamiriro chibvumirano waakazvitengesa chokutanga haina pangozi, pfungwa, hapana asi yambiro kubva motokari mapurisa, ndiko, kuti mazuva 10 - .. The kupedza okutambirwa magwaro zvose zvakafanira. Asi somunhu fanira zvinodiwa motokari inishuwarenzi, chirango asiri abvume, kana vashandi kumisa murayiro, kunogona kuwanikwa. Iye achava 800 rubles. Uye ichi kuchapfuurira kusvikira kune rakapa inishuwarenzi itsika.

Where kureva motokari?

Inishuwarenzi nokuti motokari iri kunohumwe bazi Profile wekambani, iri mubasa iri. Masangano akadaro zvino nhamba yakakura, asi zviri nani kuti kusarudza inonyatsozivikanwa nekusimba kuti kana insured chiitiko haana kuenda pasina chinhu. Zvikuru nomukurumbira pakati pavo: Rosgosstrakh, Ingosstrakh, "Intouch", "Renaissance" uye vamwe.

Chii zvinyorwa zvinodiwa

Inishuwarenzi nokuti motokari yakaitwa kubva chero chirongwa. zvinotevera zvinyorwa zviri kambani yacho yasarudzwa inishuwarenzi:

1. Russian pasipoti.
2. Chitupa chokutyaira.
3. Pts.
4. Chirwere Card pamwe huripo rokuongorora Data.
5. The chibvumirano waakazvitengesa (chipo, uye zvichingodaro. N.).
6. Simba gweta (kana iwe inishuwarenzi motokari asina akagadzirirwa imi).

inishuwarenzi mikana

Inishuwarenzi nokuti motokari iripo muna 2 mushanduro: MTPL uye Chikomo. Inishuwarenzi kana kutenga motokari (itsva) kubva motokari munyengeri anotora chimiro Hull pasina kukundikana. On b / motokari inogona rakapa MTPL kana Chikomo kusarudza kubva.

Panguva iyoyowo Chikomo inishuwarenzi mutemo pane zvishoma rudzi kuti makambani siyana vane mazita akasiyana. Somuenzaniso, miniKASKO - kudzivirira chete netsaona, zvichiita chikamu mari, uye vamwe iri kubhadharwa Uyezve kune chiitiko insured.

MTPL inishuwarenzi

Nyore uye yakachipa pashiri inishuwarenzi kuita. CTP chete anodzivirira motokari kana kuti kupinda mutsaona (kuba, kukuvara, uye CTP haadziviriri zvinhu zvakadaro, pasinei nemaonero akasiyana, uye insurer haangatenderi mari iwe chinhu).

Zvino pakona ose unogona kuwana shoko "motokari inishuwarenzi CTP." Rosgosstrakh nevamwe vanozivikanwa uye yagara kushanda pamusika wekambani, uyewo vakawanda magweta vasina zano kushandisa kuhofisi duku. Zviri nani kuti ngaateme inishuwarenzi chezvawanyora anodhura, asi panyaya chii chaizvo kuti vawane mari yako.

Chikomo inishuwarenzi

Chikomo - a mhando inishuwarenzi, iro kunodzivirira kuba kana kukuvadza, kambani yacho inishuwarenzi ichipa kuita mu kuba kana kukuvadza motokari uye kubhadhara kukuvadza.

Inishuwarenzi nyaya umo Hull mabasa:

• Kudhumhana nemumwe motokari.
• Nekure pane zvinhu uye mhuka.
• Akashandura muchina somugumisiro petsaona.
• Motokari zvakakanganisika zvinhu rawa kwaari, kusanganisira miti, mapazi, chando kana chando munguva yechando, uye zvinhu mukugadzirisa kushandiswa.
• Vabudiswa zvinhu kubva pasi mavhiri mumwe motokari uchifamba pedyo yenyu, zvichiguma kukuvara dzimwe motokari kana kuita tsaona.
• Kunyudza mumvura nokuda mafashamo pamusoro kwenzvimbo, migwagwa kukundikana, vanhuwo mbudo kana Dip mumvura pasi chando.
• Fire, kuputika.
• Mazvokuda kana masanga kukuvara kana kuparadzwa motokari, kuba nemapoka rechitatu.

Chikomo inishuwarenzi nokuti motokari hairevi zvinotevera ezvinhu:

• Kuvadza motokari iri basa dzebato rechitatu (vasina / Y, kwete yakanyorwa muna polis, vari akadhakwa state).
• Management Kudhakwa.
• Kuvadza Disc, pendi uye zvichingodaro. D. (Kana asingadi kukanganisa dzimwe nhengo motokari).
• Kuba kwemavhiri uye nhamba ndiro (kana kuba yakaitika pasina zvinopesana motokari).
• Kuba motokari (inopiwa kuti sahwira Panel akasiyiwa ari machine).

Mari inishuwarenzi itsika

Mari inishuwarenzi kunoenderana akawanda zvinhu:

• TS goho mu l / s.
• Age uye uchityaira ruzivo muridzi motokari (vanhu makore 21 uye nezvakaitika kune anopfuura 3 makore inishuwarenzi riri isingadhuri kupfuura-makore 20 ne ruzivo 1 gore).
• Kuwanda vatyairi zvinobvira (pano zvakakodzera kufunga zvokuita inishuwarenzi pasina mitemo achava isingadhuri pane kupinda mutemo 3 vanhu).
• State kuchengeteka (nechepakati kunzvimbo, kakawanda zvikuru anodhura pane ari kupfuura kure).
• Dambudziko isina akatasva (kana musingadi kuwana mutsaona, wako inishuwarenzi achava mari shoma pane vaya vari tichingotama yake mhosva rinova bato kuti tsaona).
• Seasonality (tongai rimwe kana maviri mwaka, uye ipapo kuvandudza zvikuru zvinodhura pane magadzirirwo yose gore kamwe).

Change mari inishuwarenzi inogona kushandisa macalculator paIndaneti.

Sei kuripira zvaparadzwa?

Kuti vagamuchire muripo wemari, unofanira kuonana kambani yacho inishuwarenzi kuti ape mutemo hapana paya pane mazuva 14 mushure tsaona.

Muchiitiko chino, pane 2 shanduro zviitiko: yokugadzirisa dzemapurisa dziri inishuwarenzi kubva insurer (panguva nhepfenyuro uye kambani chibvumirano kugovera basa kugadzirisa motokari). Kune zvose zvakanaka nezvakaipa mumativi. Plus chokwadi kuti muridzi haumanikidzwi kutsvaka kwaunonogadziriswa. Asi kugadzira anogona kunonoka, motokari inogona kuva nguva refu kwete kurega, asi kuti kupfuura zvakanga. Saka unofanira kunatsiridza kuti kambani yacho inishuwarenzi kubhadhara iri mari.

Pamusoro panowanikwa chiitiko insured kupa kambani yacho inishuwarenzi tinoda magwaro anotevera:

• chibvumirano The inishuwarenzi (the original);
• Chitupa chokutyaira (kopi);
• The chitupa vanyorwa motokari;
• Documents kubva motokari mapurisa kana zvimwe zvivako podtverzhdyuschie chokwadi chakaitika (epakutanga);
• The yepakutanga kana kopi dzakati uye rinoratidza ndandanda zvikamu uye zvinoriumba kuti zvatsiviwa, zvinhu uye akamaripira zvakafanana yepakutanga invoices uye magwaro kuti asimbise chokwadi pamusoro kuripwa ose pamusoro, kana zvichidikanwa.

Kana uine motokari inishuwarenzi Chikomo, unofanirawo kugovera zvinyorwa zvinotevera:

• Original aibhadhara inivhoyisi nokuda kubvisa mumotokari, kana ani.
• Kana muchina wakaremara kana hazvigoni kudzorerwa nokuda dzinongoitika dzoga, zvichaita kutora gwaro kubva yeUnited muviri anokonzera kutarisira mamiriro kwezvakatipoteredza.
• Uyewo, kambani yacho inishuwarenzi kungada chisarudzo pamusoro kuturika kana kugumiswa kuferefeta ari tsotsi mhosva, kopi kupomera mhosva, uye migumisiro ine kuongororwa yokurapa, kana ichiitwa.