Hoopomaikai io MTPL lapaʻau - ia DSAGO (no ka naau mai lapaʻau): na keia, pono a me keakea

A i pololei ia kanawai aie o ka precondition no ka hoʻohana ana i ke kaʻa. Wahi lulu motorists, he maopopo ma waena o ke kulekele o ka muli o MTPL lapaʻau, a hoʻohiki i ka malu o ka poe aloha, a me ke kulekele hauna, i compensates no ka poino nānā 'ole o ka mea i ka culprit o ka ulia. Currently ka mea, ua ho onui ana momentum kolu o koho kolu o ka aoao aie lapaʻau -, ua kīkoʻo akula lapaʻau CTP. Ua ua i kapaʻia he mohai avtograzhdanki - DSAGO. E kaʻike i nā hiʻona o keia AEeAaOA a me ka mea i kona pono.

kona palena CTP

Maʻamau avtograzhdanki pilikino E pili i kona palena uhi poho. MTPL puu dala ua hoʻohiki ma ka moku'āina, aʻaʻole hiki ke hoomahuahua ia me nā lawelawe. No laila, ma ka loa hoopii, i ka wa nui o ka pōʻino i ho'āʻo ai ma ke pa, ka culprit i, e uku aku i ka luahi o kona mau eke. Ka mea hookahi e waiho ia ma ke Kanawai Kivila Art. 1072 e like me ka mea ka mea, ua kuleana ia no ka ulia oia kekahi e piha kuleana no ka hoʻopau o ka poino. Ma keia hihia, he kūikawā hoʻokolohua o ka CTP kōkua. DSAGO apono 'oe e hoopau ai i ke compensate ka luahi aie i ka mea ulu o ka hoʻopaʻa waiwai palena. Aia ka he like lapaʻau hou pipiʻi, akā, ka mea, ua oiʻaoʻao pale. Ke dala o ka uku no ka CTP hoʻonui mai i 15 miliona rubles. No ia mea, ina oe e ole māʻona i ka maʻamau AEeAaOA o ke ola auto aie, a me kou makemake nui, e hiki hoʻonohonoho no, ua kīkoʻo akula lapaʻau uhi. CTP He oi loa oiaio no beginners, nei noho ihola i lalo i ka huila.

He nui nā poʻe kaumaha, ua kīkoʻo akula pūʻolo helu, a i komo i loko o nā Extras. Pae holomua Lālā paʻa CTP aihue e loaa ka uku i ka hihia o ke ola auto aihue. Inā pilikia ka haumāna motorists, pilikia-noa ka hoao ana e aku i makahiki ekolu, i ole pilikia e hoopuka MTPL me nā lawelawe i pili - i ka holo ka hoao ana o ka ike loea kumu hoʻomalu i ke ahiahi, ma ka hihia o ka ulia o ka poino, e e ka palena haʻahaʻa.

hiʻona DSAGO

Ua wehewehe aku kikooia aku lapaʻau CTP like penei:

• DSAGO mea he integral hapa o ka MTPL kulekele. Me OAXA avtograzhdankiʻaʻole e hiki i ka e i ka mohai AEeAaOA o ka aie lapaʻau;
• ka huina o na lilo, ka hoʻokumu paʻa koi, a me ka nui o OAXA uku hoʻokumuʻia e ka 'elele o ka insurer;
• ana MTPL lapaʻau hoopomaikai io ia e pōmaikaʻi ai ia lŘlŘ ma hope o ka palena no muli o Hawaii kolu o ka aoao lapaʻau wale ua ana.

He aha nō nā pono DSAGO?

Ka naau mai lapaʻau i ka helu o ka pono ma luna o ka hae "avtograzhdanki":

• lapaʻau hihia ma ka naau mai Hawaii lapaʻau mea'ālike ke CTP;
• ma DSAGO uku hoʻomaka wale ka wā OAXA avtograzhdanki hiki ole uhi i ka nui o ke poho;
• kona palena helu o ka hiki pomaikai, o ka waiwai i wale i ka finite kali o ka indemnity.

Hauna a me MTPL

O Keaukaha au e hoomanao i ka hauna a me ka DSAGO - likeʻole lapaʻau kūkulu 'ia. He aha e hoohui mai ia ia mea ia ia, a me ka 'ē aʻe palapala ka lawelawe' ano o ka lapaʻau. Ke koena unuhi Ua oi nui. DSAGO mea he nui, ua kīkoʻo akula hoʻokolohua o ka maʻamau ulia kaʻa aie lapaʻau - uku ma luna o kēia 'ano o ka lapaʻau i lawe mai ai no ka pomaikai o ka poe loli ana e ke kulekele mea nāna ka hana. CASCO lapaʻau pilikino E pili i malama i ke kaʻa ona, nānā 'ole o ka mea i poino.

Where hoopukaia DSAGO

Hoopomaikai io MTPL lapaʻau hiki ke hoopuka ia ma kekahi lapaʻau poe, a me ka nui o ka lakou mohai, e hoopuka aku, no ka naau avtograzhdanki me koho lapaʻau AEeAaOA. He mea pono no ka lapaʻau, a no ka mea Client. Ke insurer hookipa mai i ka nui nui o ia uku, a me ka Customer, ma ka hihia o ka ulia, eʻaʻole pono e holo a puni i ka oko lapaʻau poe, a ohi i nā palapala - uku ma ka hoʻokumu a me ka holomua pilikino E pili nō e kaʻikaʻiʻia e kekahi, a me ka ia hui. ina aie lapaʻau ua, ua hoopuka ia ma nā "hookahi Agena" hoopomaikai io CTP hiki ke kuai ma kekahi kokoke lapaʻau mahele.

He aha nā palapala i koi 'ia no ka kakau DSAGO

No ka kakau CTP hoʻokāʻoi lapaʻau AEeAaOA e hoomakaukau i ka i kēia palapala:

• ka papa kuwaho o ka ulia kaʻa aie lapaʻau, e like me ka mea aole i huli mai e kahe me ka hou CTP;
• palapala e hookupaa aku ana i ke kakau ana o ke kaa;
• O Keaukaha ka laikini o ka mea nona o ke ola auto a me ka mana o ka Loio, e kū i ke kaa;
• kaʻa mea nāna palapala holo'āina'ē.

He aha e hoʻoholo i ka nui o ka hookaa ana

About Pehea ka nui o ka mea, na koina CTP hoomaka ana ma ka mana hope loa, e hiki ke ike i kekahi 'elele o ka lapaʻau huakai. ʻAno o ka hope uku a hiki i ka iki i aoao mea e kaukaʻi ma o ka mooolelo a ignoring ke kaa Wear. Ma keia hihia, ina he mea kekahi 'aelike i ka pakeneka o ka depreciation ua laweʻia i loko o hookolokoloia'na lakou ia ia ma o ka i ka ho omaulia ana o hookaa ana, i ka uku hope e e me ka nui loa emi. More e pono e e mai i ka lua o kaʻano o ka lapaʻau ole ia i loko i ka Wear a me ka waimaka, e noʻonoʻo pono.

Pehea e hoʻomaulia i DSAGO

E huli i ka CTP ma ka, ua kīkoʻo akula kēia o ko lākou iho,ʻaʻole e hana. ʻO kā mākou nui o ka hana, e hilinaʻi ma ka helu o nā ana hoʻohālike, he i ka papa inoa o i ka insurer e puhi ia. Mawaena o ka mea nui ana hoʻohālike.

• TC ano;
• ola lapaʻau;
• kaupalena i ka nui o ka lapaʻauʻaoʻao pale;
• seniority a me ka makahiki o ka Keaukaha;
• papa inoa o nā lawelawe.

Ma muli o ka 'ike' ohi, o ka insurer nā pūʻulu kona mau nāʻauhau no ka lapaʻau AEeAaOA. No ka laʻana, ka palena iki payout mea 300 tausani. Rubles obliges motorist pilikino E pili DSAGO manao me ka loiloi mua na makana i loko o 1200-1800 rubles. Ka awelika Keaukaha, imi e hoʻomaulia i ka CTP ma ka, ua kīkoʻo akula mana, hoolakolako payout o ka hola kekahi, a me ka hapalua miliona, a obliges ia ia, e uku "dobrovolku" i ka uku o ka mai i 6 tausani. Rubles no ka makahiki. Ma keia hihia, i ka bonus'ōnaehana ma DSAGO 'aʻole e pili! E kōkua motorists ma na paena o ka lapaʻau poe memo online, m'kini helu ma DSAGO, ma i oe ke aʻo i ka He kokekau wale lilo o ka palekana AEeAaOA.

E hoolilo ana i DSAGO no beginners

O Keaukaha, no ka mea, i ka manawa mua i noho iho la ma ke kua o ka huila o kou mau kaʻa, hiki wahi, i hiki ma ke ala e hiki ai i ka maikaʻi, ae hoʻomaopopoʻia. Ka hapanui o Keaukaha e makau, e komo i loko o ka ulia, a no ka mea, o keia i kekahi mea'ōnaehana paleʻea. Akā, ma luna o kāna mau hana ma hope o ka ulia, i ka i kailiia aku kākaʻikahi manaʻo. Ia manawa, ia mea e ike ai i ko ka mea, e uku ka uku, a ina paha ia e hoʻihoʻi aku i ke kaʻa i ke keʻehi mua o ka Keaukaha. Ia mea ke kumu o nā O Keaukaha hiki ole ke loaa ka uku - aie i ka nele o ka noonoo ana i na olelo o ka lapaʻau, oiai, ma ka rula, o kela luahi i nā kānaka apau e lapaʻau uku.

No ka mea, o ka mea na Keaukaha mea hou kūpono no ka lapaʻau? E noonoo oe i ka loa, he pono ole mea hoʻomaka hewa.

• Hoa o ka ulia oe iho e waiho ana i ka ulia paena i na minuke.
• Car mea nāna e hoohuli i ka luahi, e hoopau i ka mea me ka paperwork.
• Ke Keaukaha e hooponopono i ka mīkini ma kona mau lilo, a me ka wale laila, ninau mai no ka uku.

A pau kēia mau hana e ka mea hiki ole i ka hoʻomau lapaau no ka lapaʻau uku.

Pehea o ka uku o ke dala

Inā ka Keaukaha ua pono papahana he ulia, aʻae maila i ka lapaʻau poe i ka uku, ke uku hope ua paa no elima mau lā. Ma ke keʻena wahi o Rusia, i kēia wā ua kīkoʻo ma ka umikumamalima e hana ana i mau lā. No ka lapaʻau pono i ka insurer i kekahi papa inoa o nā palapala. No ka mea culprit o ka ulia papa inoa o nā securities Ua like penei:

• noi;
• nānā 'ole palapala MTPL pilikino E pili;
• kope o Keaukaha ka laikini, a me ka mana o ka loio (ina ka Keaukaha i holo i ka aina e kaʻa);
• palapala mai ka kūloko lala o ke kālepa, makai o ka wahi a me ka manawa o ka ulia i kākau, e hoike ana i ka wai ka pōʻino.

Ka poino aoao ua i koiia e hoʻolako i ka lapaʻau huakai he OAXA papa inoa o nā palapala, a e like me ka mea o ka olelo hooholo e e ia o ka auhau ana o ka uku. Ka mea, e:

• noi no ka lapaʻau uku (ka hāpana hiki e ia ma ka insurer ka pūnaewele);
• kope o ka palapala holo'āina'ē;
• he palapala hookupaa aku ana i komo i loko o ke kalepa ae la lakou ulia;
• palapala no ke kaʻa;
• palapala-Hoike mai o ka ulia;
• kope o na minuke (ina i houluuluia ma ka ulia).

Palapala i waiho ia ma ke keena kokoke o kou mau lapaʻau poe.

Natural uku no ka CTP

Currently, ka mea uie kekahi hapanui hewahewa o na mea nona o ka loli ana o kaa mai i kiʻi i ke dala ma ka lima, a me ka hoʻi hoihoi i kou mau kaʻa ma ka lilo o ka lapaʻau. Ma-ano uku hoololiiaʻaneʻane ponoi Keaukaha a pau o ko mākou'āina. E like me ka HOU, i ka poino aoao, e lawe i ke kālā no ka hoʻoponopono 'ana ma luna o kona mau lima - kahi, i ke kaʻa mea nāna e e noi, e hana hou i ke kaʻa ma ke kokoke hana kaʻa waena. Me ka mea 'o ia hoʻi' oe, e loaa i ke kaʻa - i ka mea nāna e e pili. Ka holoʻokoʻa kuleana no ka pono o ke kaʻa aiiio mea ma luna o ka lapaʻau huakai. Ka mea, ua iho la ka mea makemake aku i ka hana, manao he aelike me ia, a hoʻoili i ke kala no ka hoʻoponopono 'ana. Loli ana i kaʻa mea nāna hiki wale koho i ke koho loa kūpono no ka mamao i ke kaʻa hana, a kapili wā. Inā ka mamao i ka hapa 'hana ia hoonoho ai i mea nui loa, a ma ka māhele mea,ʻaʻole e hiki ke hana hou i kēia kaʻa ÷, he lapaʻau poe e hooholo ma luna o ke koi pohō a uku no ka CTP. Ke kaʻa mea nāna e loaa i ke kālā i loko o ka hihia o ka huina luku ana o ka mīkini.

I hiki ke ike, i ka hoomaka lapaʻau MTPL Wehewehe i nā hāʻina i na pilikia, a pau loa ia e lawe aku oe i ka hewa aoao i kekahi hana e indemnify ma lalo o ke alanui ulia. Pakahi aku la ia pili DSAGO mea no novice O Keaukaha, i kaumaha ai i ka hoopuka lapaʻau MTPL me nāʻaoʻao pale koke kūʻai i ke kaʻa ma hope.