Where nani inishuwarenzi motokari?

Kana kutenga motokari, mumwe rinovimba kuti hapana dambudziko inovapo. Asi, zvinosuruvarisa mumwe mugwagwa mutsaona yomumugwagwa zvinogona kuitika kuna ani. Uzvidzivirire kana motokari yako iyi kwakaoma zvisingaiti. Asi kuti inishuwarenzi pamusoro zvichibvira mari mari, unogona kushandisa inishuwarenzi repair. Munhu wose azive inishuwarenzi motokari uye apo nani kuzviita.

inishuwarenzi rokumanikidzirwa

Izvi mhando inishuwarenzi, izvo zvinoreva basa mutyairi pamberi dzimwe nhengo mugwagwa mutsaona yomumugwagwa. Kana muridzi motokari pacharo mhosva yacho tsaona, anogona kuva nechokwadi chokuti vachibhadhara kumapati rechitatu kuchazadza CTP. Izvi mhando inishuwarenzi riri rokumanikidzirwa uye rakapa pasinei vatyairi mumotokari womuenzaniso. Kazhinji mutyairi haasi kugadzirira tsaona uye haana kukwanisa zvemari kufukidza mari imwe pati kuti tsaona. Iyi haisi dambudziko, kana vakakwanisa mune nenguva nenzira inishuwarenzi motokari. CTP Kazhinji rinotaura zvose mari vechikamu uye chiitiko chinogona kukurumidza pakugadzira motokari yavo.

Kare, paiva akawanda akaitwa nzira MTPL mitemo. Kuti zvose zvakachinja apo kwokudiwa kurega kuva simba gweta kudzora motokari womumwe. Pakanga chete rudzi mitemo rokutanga. Kunosanganisira inishuwarenzi upi mutyairi ari pamutemo achityaira.

How zvikuru inishuwarenzi rokumanikidzirwa?

Varidzi motokari dzakasiyana haangavi kuti imwe mari kuti inishuwarenzi motokari. CTP kupa kuti ape makambani inishuwarenzi pamusoro michina pezvitsiga zvose. Mari Mutemo iyi kuchaenderana zvinoverengeka pamusoro. Pakutanga, rakundwa kufungawo gore resununguro mumotokari. Mukuru motokari, zvikuru mukana wokuti tsaona nemhaka ipi atadze kushanda zvakanaka. Naizvozvo, inishuwarenzi mutemo kungadya zvakawanda.

Pasinei kambani yauri kuenda inishuwarenzi motokari, mutengo mutemo achavaponesa kufambisa ruzivo. Zvinonzi kufungwa uyewo injini simba. The zvishoma ruzivo uye motokari makuru, anodhura mutemo achaita mari. Nzvimbo kunyoresa kunokoshawo. Munzvimbo idzodzo, apo motokari motokari iri sekwaserera, zvichaita kukwanisa kutora kubva inishuwarenzi iri isingadhuri zvikuru.

Kana zvakakodzera kuti kuteerera yakaderera mutengo?

Usambokanganwa kuti vakasununguka chizi chete ari mousetrap. Makambani akawanda inishuwarenzi kuti kuripo pamusoro pamusika makore mashomanana, kupa nyaya mutemo panguva yakaderera mutengo. Muchiitiko chino, hazvivimbisi kuti zvechokwadi sangano Uchafukidzwa mari iri chiitiko njodzi ikaitika. Sarudzo dzinofanira kupiwa makambani vanoshanda kwemakore anenge 10. Vachamanikidza kupa kuti inishuwarenzi motokari panguva yepamusoro mutengo. Panyaya iyi, kuti nemhosva vanogona kuva nechokwadi chokuti kana tsaona hazvisi kumirira zvemari mari.

Inishuwarenzi makambani, izvo kare akawana vavimbe vatengi, nguva nenguva kuronga zviito uye nyaya chekuchengeta kadhi. Izvi zvinobvumira kuti kutenga kuita inishuwarenzi mitemo mudziyo pane mari yakaderera.

Ko tose kureva motokari?

MTPL negwaro zvevakomana kunotodiwa. Pane kusara mashoma. Zvachose asingachaiti pfuma inishuwarenzi motokari rinobatanidzwa mukurwa, vaisivatamo muboka rokutanga, pachake kudzora motokari yako. Uyewo vaya inodzora motokari vakaremara pamberi pavo. In zvinoitirwawo mutsaona yomumugwagwa kubhadhara zvose zvinotora pamusoro motor-motokari Bureau. Kusara iri apo akakuvadza mabasa sezvo bato tsaona wechitatu. Zvino raiva akakuvadza inozviita kufukidza zvose mari.

Panewo dzinoverengeka zviitiko apo vatyairi vane kodzero inishuwarenzi motokari nokubhadhara chete 50% of mari mutemo. mukana uyu rinowanika zvizvarwa zvakura, vanhu muchirongwa liquidation of paChernobyl njodzi, akaremara muboka rechipiri, uyewo hondo yerusununguko. Zvinokosha kucherechedza kuti vanhu ava havagoni nguva dzose inishuwarenzi motokari panguva imwe dhisikaundi. Ita mutemo unogona chete kuitwa kana chitsama motokari kuti injini zviri 2500 cubic metres. cm. Kana muchina asingadi kupindura parameters vakadaro, vachafanira kubhadhara 100% mutemo ukoshi.

inishuwarenzi yokuzvidira

Kwakapararira yanhasi inewo inishuwarenzi yokuzvidira. Pasinei Kuwanikwa siyana kumanikidzwa nenzira iyi vanotsvaka inishuwarenzi motokari. Chikomo anobvumira mutyairi kuwana mhosva kuba kana kuvadza motokari. Uyezve, munhu wose anogona inishuwarenzi hupenyu hwako pakuparadzwa somugumisiro petsaona. Panyaya iyi muripo inishuwarenzi achagamuchira hama.

ne chirongwa inishuwarenzi nzwisisika zvakakwana uye kukwana. Unogona kuronga mutemo, izvo ichasanganisira zvose ngozi. Kana inishuwarenzi motokari pasina inishuwarenzi youpenyu. Uyezve, chirongwa anoda kuti ape mutemo pamusoro midziyo kuiswa iri motokari. Kana zvikabiwa, mutyairi achagamuchira zvizere dzosera.

Kana kuuraya inishuwarenzi zvakazara nzwisisika?

Hazvinei kupi inishuwarenzi motokari, unofanira kusarudza mutemo kuti huchamiririra yakanaka ukoshi mari. Dambudziko nderekuti vazhinji zvinoshandiswa Hull zvakakwana hazvina maturo chose. Nokuti issuance of mutemo vanofanira kubhadhara kwete asingasviki 10,000 rubles. Panyaya iyi, inishuwarenzi iri rakapa kuti gore rimwe chete. Kana isu vanodzinga zvinhu zvakadai kuba motokari kana kuba midziyo kubva motokari, zvichava anokwanisa kuponesa chaizvo. Gwaro kunodyira kumativi 5,000 rubles.

Vazhinji motokari varidzi watenga garaji uye yakavimbika aramu. Naizvozvo, kuti ndingangokuvara kuba motokari ipfupi kushoma. Saka kubhadhara gore negore nokuda inishuwarenzi mutemo uzere nzwisisika hakuna kunaka. chibvumirano The inishuwarenzi inofanira kusanganisira zvinhu zvinokosha zvakadai kuvadza motokari uye kuitawo mutsaona yomumugwagwa.

Where kureva motokari?

A boka nako chibvumirano iri akagumisa, anofanira kusarudzwa nokungwarira zvikuru. Usati isa maitiro ako, unofanira kuteerera siyana kumusika zvinopiswa. Sarudzo dzinofanira kupiwa yemakambani kuti kupa minamato inishuwarenzi kuti anopfuura 5 years. Pane nzira dzakawanda kuti zvichava zvikuru kwazvo kuongorora rakavimbika kambani. Chokutanga, unofanira kuteerera pamberi vamwe zvachose. Kana masangano makuru vanoumba yeinishuwarenzi chibvumirano panzvimbo kwemakore akawanda - ndiko chokukomborerwa akanaka.

Usati wasarudza apo kureva motokari (CTP), unofanira kuteerera mutengo makambani akasiyana. Chinonyanya kudhura kupfimbwa havafaniri kuteerera. Ungangove, saka boka racho inishuwarenzi ari kuedza kukwezva vatengi. Hazvivimbisi kuti kubhadhara pasi chibvumirano achagara chinozoiswa. Avhareji yemari chidimbu - yakanakisisa sarudzo.

Zvinotevera zvichakurukurwa kune makambani akawanda kuti zvinofarirwa pakati motokari varidzi.

Inishuwarenzi kambani "TAS"

Nhasi, boka racho inishuwarenzi "TAS" riri pamusoro vatungamiriri motokari inishuwarenzi 10. Company unoshanda kwete chete kuRussia asiwo dzimwe Kishi nyika kwemakore anopfuura 15. Inishuwarenzi Group aigara kuratidzwa zvakanakira zvemari, apo vatyairi tichiwana mari pamusoro zvibvumirano zvavo.

Kuvimbika inosimbiswa pamwe ane guru mvumo. Uyezve, pano izvozvo anoita dhayagiramu huru ngozi re. Vaitungamirira reinsurers hwenyika pamwe kambani "TAS". MTPL policies mutengo rinotanga kubva 2000 rubles.

"Rosgosstrakh"

kambani Russia guru inishuwarenzi kuti anopa zvakawanda mabasa. Hapana Kunze uye motokari inishuwarenzi pamusoro Hull uye CTP zvirongwa. Vakawanda nhasi hapana mubvunzo kuda inishuwarenzi apo motokari. Vatyairi vave refu nyasha "Rosgosstrakh" Makambani.

Muna 2015, kureva sangano "Expert RA" aigona kamwe zvakare kusimbisa kuchengeteka Rating wekambani yacho inishuwarenzi. Naizvozvo, kugumisa chibvumirano naro mumwe anogona takasununguka. kubhadhara zvose vari chiitiko chomugwagwa mutsaona yomumugwagwa vari anosimbiswa chinozoiswa. Inishuwarenzi "Rosgosstrakh" vanhu vakawanda vanosarudza uyewo nokuda vakawanda rokutengesa nehoro munyika. Mukati inishuwarenzi chezvawanyora zvichibvira kunyange zviduku musha. A mumiririri kambani acharamba nezvoUmambo zvinhu ane chigadzirwa inishuwarenzi uye kuchakubatsira kuona sarudzo.

"Ingosstrakh"

Nhungamiro Insurance Company, inova imwe gumi zvikuru nevanhu nevamiririri Russian. Muna 2005, akakunda nzvimbo yokutanga pane bhokisi hofisi rweinishuwarenzi premiums pakati vakawanda vechikamu. muiti ichi inishuwarenzi kwazvo mediaaktivnym. On nguva dzose dzinotaurwa wokudhinda uye paterevhizheni. Nokuda kwaizvozvi kuwanda wakasainwa zvibvumirano zviri kuwedzera ose gore.

Sezvo 2004 kambani "Ingosstrakh" akatanga kushanda zvakare pamisika rweUkraine uye Belarus. Nokuda kwaizvozvi nhamba nemakasitoma vakakwanisa yekudyidzana kuwedzera. The kambani anoda kwete chete zvetsika, asi chete insurances. Kwenguva mwero cost, unogona inishuwarenzi kwete motokari asi zvose zviri mariri voga. For chinyakare inishuwarenzi gwara achafanira kubhadhara kwete asingasviki 3000 rubles. Zvinokwanisika kutenga inishuwarenzi kana nzwisisika inishuwarenzi CTP. Uyezve, unogona inishuwarenzi upenyu uye utano vana.