'O ka OSAGO'oia'i'o: kahi a me pehea e ho'ohana ai?

Mai ka makahiki o ka makahiki 2015, aia he Russia kālepa. Hiki iā'oe ke hana i ke kulekele ma kēia'ano me ka hele'ole mai i ke ke'ena o ka'oihana iniua, akā ma ka home, e hā'awi ana i ka'ikepili ma o ka pūnaewele. E no'ono'o kākou i nā kiko'ī o kēia nīnau ma ka puke.

Nā'ike nui

Malia paha, nā po'e ka'a ka'a a pau i ho'okumu iā OSAGO, i kū i nā kūlana i ke UK i ho'ā'o e ho'okau i nā lawelawe hou aku i ke kū'ai'ana i kahi kulekele. 'O ka manawa pinepine'ole,'a'ole i makemake e hana i kēia, ua'ae like nā mea pa'ahana i nā mana'o o nā luna a loa'a i nā mea i hā'awi'ia aku. Akā,'a'ole pono e ho'oka'awale i kahi manawa nui e hele ai i ke ke'ena no ka ho'opa'a inoa'ana o ka mea kū'ai a i'ole e ho'oholo e pili ana i ke kū'ai,'a'ole i ho'olālā'ia. Hiki iā'oe ke kele i ka pūnaewele i kēlā me kēia manawa a kau i kahi OSAGO pūnaewele ma luna o ka pūnaewele o ka'oihana iniua.

Ho'oku'u'ia nā'ike a pau ma o ka'ikepili pūnaewele, no laila ua kāpae'ia nā hewa.

He aha ke kulekele'ele'ele?

'O ka uku'ana ma o ka Pūnaewele'a'ole ia he'ano hou no nā mea ho'okele pahi Lūkini. Ma mua i loa'a kahi manawa kūpono e ha'alele ai i nā noi ma kahi papahana, a laila ma ka leka i ka leka me ka hele'ana o ke kulekele. Eia na'e,'oi aku ka ma'alahi o kēia ka'ina hana. Ho'opiha pono'ia ke ka'ina hana, a ua ho'okō'ia ka hō'oia'ikepili ma o kahi waihona'ikepili ho'okahi.

'O ka loa'a iā ia:

• SC;
• Nā māka'i;
• STSI;
• Ka mana'auhau;
• STO.

E ma'alahi a ma'alahi ke kū'ai'ana i OSAGO i ka palapala loiloi i kēia mau lā. Eia na'e, no ka ho'ohana'ana i ka'oihana a'a'ole'ole,'o ia nō nā mea nona nā ka'a. Inā makemake'ia, hiki iā lākou ke hele i ke ke'ena o UK a kū'ai aku i ke inikua i laila.

Ka hana ma o ka pūnaewele

Ma hope o ka lilo'ana o ka'ōlelo aupuni a Rūma i ka ikaika, hiki ke kū'ai'ia i kahi kulekele'elepona, akā no ka po'e wale nō i kū'ai i ia mea ma ke'ano ma'amau. A laila, aia nā'ike e pili ana i kēia'ike ma loko o ka pūnaewele RSA, ma muli o ke kumu e kū'ai ai i ka inikua ma o ka pūnaewele.

No laila,'o ka po'e i loa'a wale nā pono a i'ole i kū'ai'ia kahi ka'a,'a'ole i loa'a ka inimahi TPL pili pono. E hele nui ka mea ka'a i ke ke'ena o ka hui a huki i kahi palapala ma laila. Ke kū'ai'ana i kahi kulekele, pono'oe e no'ono'o inā he lālā'o UK no ka Hui Lūkini'o Russian Union. Inā'a'ole, a laila,'a'ole hiki iā'oe ke kū'ai i ke kulekele i kēia makahiki aku. Hiki ke kū'ai'ia ke kū'ai i loko o nā hui nui, e like me Alfa Insurance, Uralsib, Renaissance, Rosgosstrakh. Akā, hiki i ka Electronic OSAGO ke loa'a ka heluna nui o nā ICs.

Inā pau ka luna nānā alanui

Inā kū ka luna ho'omalu o nā ka'a ma ke alanui, ma waho a'e o nā palapala kūikawā, pono e ho'ouna ka mea ho'okele i ka kulekele MTPL. Ma mua, ua hō'ike'ia ka palapala mua, a ua nānā ka luna nānā i nā'ike pilikino me ka palapala laikini.

Ke kū'ai aku i kahi mea ho'okele pūnaewele wale nō he kope o ka kulekele, a mālama'ia kāna kope i ka waihona palapala SAR.

E hiki iā'oe ke hana ma o kahi punahele IMTS. 'O ka'ike ho'okahi, ma ke'ano'oia'i'o, e hō'ike i kahi pae mana o ka RSA. Inā huli'ia he pepa ma kona mau lima i kū'ole'ia ma ka pololei, e ho'opau'ia ka mea ho'okele i 800 mau'āpana.

'O ka leka ho'omaopopo a me kekahi mau hi'ohi'ona

He mea ma'alahi ka ho'olimalima o OSAGO. E hele mua i ke ke'ena o UK (kahi i hō'ike'ia, i loko o ka SAR). A laila hele i ka māhele politika, kahi e pono ai'oe e hele i ka papa hana ho'olālā. Ma ka manawa like, e ho'ouna'ia i kahi leka me ka hō'ailona ho'opa'a inoa i ke kelepona, i ho'okomo'ia i ka papahana e like ana. No ka hopena, e'ike'ia ka papa inoa o nā ma'i i kū'ai mua'ia.

'O lākou, ua koho'ia ka'aelike, a ua ho'olālā'ia e ho'onui. A laila, pono'oe e pane i kekahi mau nīnau a e uku i ka pānui. Hiki ke ho'oku'u'ia ke kālā ma o ka Internet ma kekahi'ano ma'amau. Ma hope o ka hō'oia'ana, e ho'ouna koke'ia i kahi leka uila i ka leka uila, ma ka ho'opili'ana i kahi e pa'a ai ke kulekele. Ho'oholo wale ia no ka pa'i a lawe'ana me nā mea i koe o ka mīkini.

No laila, mea ma'alahi ka ho'onohonoho'ana i nā'inikua ma o ka Internet. Ma hope o nā mea a pau,'a'ole pono ka mea e koi aku e ho'ouna i nā palapala like:

• 'O ka passport;
• Ka palapala inoa inoa inoa (inā ua ho'opa'a'ia ka ka'a e like me ke kānāwai pili kānāwai);
• palapala o ke kakau ana o ke kaa;
• Ka laikini ka'a ka'a;
• Ke kāpili diagnost e pili ana i ka wehe'ana i ka mālama.

Ua pau kēia mau'ike i loko o ka'ikepili ma hope o ke kū'ai'ana i ke kulekele mua.

Nā pro a me nā kū'ē

'O ka'oia'i'o e hiki ke kū'ai wikiwiki'ia ka loiloi o ka OSAGO i nā manawa a pau i ka manawa kūpono i ka wā e koho ai i ke'ano kū'ai. Nerves a me ka manawa, ke hele mau nei i kēia hana, ua mālama'ia e. Eia kekahi, hiki iā'oe ke kū'ai i ke kū'ai'ana inā paha'o ka mea ho'okele i kekahi wahi o ka'āina a ma waho paha. Pono'oe e ho'oka'awale i mau minuke he'umi, a aia i loko o kāu'eke kekahi mea ho'okomo hou'o OSAGO.

Eia na'e, ua loa'a kēia hanana hoihoi. Maika'i ke'ano o ka ho'oku'u'ana i ke'ano, he mea hou ka ho'onui'ana i nā hana'enehana. I kekahi manawa, no ka nui o ka po'e e makemake ana, ua ho'okaumaha'ia ka pūnaewele, ua hō'ike'ia kahi hemahema a i'ole ka hewa.

Ma kekahi'ao'ao,'a'ole hiki iā mākou ke hā'ule e nānā i ka mana'o o kēia hana hou. Ma waho a'e o ka loiloi no nā ho'okele, mahalo nui'ia ka pūnaewele mai UK. Ma ka hui "Rosgosstrakh", ua ho'ohana mua'ia'o OSAGO i ho'ouna'ia. Pehi a me nā hui'ē a'e. Hiki iā'oe ke kū'ai i kahi kulekele polikino o OSAGO "VSC", "Reso-Garanti". Kēlā mau poʻe, aʻano nui waihona ipu kona hana ma ka lapaʻau konohiki, noho i loko o kaʻulaʻula. No laila, no ka mea, e ulu ana ka papa inoa o nā IC i komo i ka SAR, i hiki iā lākou ke kū'ai i nā kulekele ma o ka pūnaewele.

Eia na'e, me ka'olu'olu o ka kū'ai'ana i ka inikua, pono nā māka'i e ho'olohe i nā mea'ē a'e. Ma hope o nā mea a pau,'o ke kumu o ka inikua ka hiki ke loa'a nā pōmaika'i inikua, inā kū'ia kēlā'ano hemahema. A ma nā hui pākahi, e like me nā mea ho'okele ka'a, aia nā pilikia me kēia. Ua makemake nā UK a pau e uku i ka li'ili'i. Akā, i kekahi o lākou, ua ho'oha'aha'a'ia ka uku kālā.