He aha ka hulina lapaʻau a me ke kumu e pono ai ia

He aha ka hulina lapaʻau? Ka mea, he makemake i ka hua'ōlelo MTPL a me Casco kama'āina i aneane pau motorists, akā,ʻaʻole a pau pono ka hoomaopopo i ka mea, nana e like. He aha ka i ka hauna a me CTP, a me ia mea, loaʻa, o ka papa, e hiki noi aku i kou lapaʻau poe, he ua me ka paa, i ka wehewehe ana i na mea a pau, akā, he piha ka ninaninau ana i kēia pukana mea hiki, me ka io i ka hoʻomalu.

CTP (muli o lapaʻau o Hawaii kolu o ka aoao aie) - he 'ano o ka muli o lapaʻau, i ka hapa' ia 'ole loa ana i malama i ka motorist, mai ka pohō i nā komo o ka ulia ina mea i hiki mai ai ma o kona hewa. CTP lapaʻau pilikino E pili mea i loko o ka papa inoa o OAXA waiho i nā palapala kūhelu, no laila mai e hiki ole ia. Me keia palapala hiki ole hoi e hiki mai ka Salon a hiki i ka aoeaiia caaiea, no laila ia mea maikaʻi, e hoopuka aku i ke kulekele koke ka wā kūʻai i ke kaʻa.

Eʻoluʻolu, e makaala i ka insurer hana aku, e uku aku i ka huina o ka i komo hala ole o ka ulia, akā,ʻaʻole a pau, a ma nā palena o ko lākou kuleana. ʻO kā mākou dala o ka lapaʻau ʻaoʻao pale ua hōʻike i loko o ke kulekele palapala. Ma lalo oʻikena kānāwai, keia dala i 120 tausani rubles, ma ka hihia o ke poho i ka waiwai o ka luahi, a hiki i 160 tausani, ina ka pohō ai kekahi ukana i kena ae la e kekahi mau kanaka. 'O kēia ka i kā mākou uku mai i kēlā me kēia nāna, ola kino a me ke ola i poino. He manawa maopopo i keia CTP.

A me ka mahiole - kekahi ano o ka lapaʻau, i pili i nā mea a pau kaa, me hi. I Ina i ka manawa "hauna o" ua pinepine hoʻohana me ia. No laila, he aha ka hulina lapaʻau? Mai Mai manaʻo i kēiaʻano o ka lapaʻau, e hoomalu i ka kaa mai kekahi maikaʻiʻole nō ia - ia mea ole pela, nae, he nui ka pilikia e e hele ma i ka insurer hokua o na kanaka.

Casco Ua piha paha kāpili. Nō hoʻi, insurers e hoʻomano hoʻohana franchise extenders kāki o ke kulekele, akā, kekahi hūnā paha i kekahi pilikia no ka hoʻopaʻa waiwai, a e e kūkā mai ma lalo nei.

He aha ka ka piha a me ka hapa hulina lapaʻau? Pehea e ka mea oko?

Fullʻikepili nā lapaʻau ka pilikia e like me aihue, ulia, ma o na la kaa pōʻino, aihue o kekahi o kona wahi, ma kona ano maoli i na ino, haule iho la ia mea ma luna o ke kaʻa, a me kekahi mau 'ano' ē aʻe o ka p ÷ ino. Hapa hauna o lapaʻau hoʻohuʻu wale kekahi ka pilikia, no ka laʻana, he nui kūkulu 'ia mai e nāʻaihue a me ka poho i ke kaa i ka hopena o maoli au i na ino a me ka malie, no laila, e pono e heluhelu i ka lapaʻau hua'ōlelo a me nā rula loa akahele.

Franchise - kekahi wahi i e e kaulana i loko o ka aelike. Ua ho i kekahi dala, a ina ma ka poino ana i ke kaʻa, oaeuiinoe ia e emi mai ma mua o ka franchise ke kumukuai, ka insurer uku kona iho. Keia dala i ke haka pono paha e o ka hapaʻauhau nui.

Aia nō 2 ke ano o franchises: conditional a me ka unconditional. I kaʻike mau insurer loa compensate no ka poho loa oaeuiinoe ka franchise, a me ka piha - wale i ka likeʻole ma waena o ke koi pohō a like o ka poino, a me ka franchise. Ia mea, ina o ka poho ua oaeuiinoe ma 1000 rubles, a me ka conditional franchise o 700, no ka lapaʻau huakai compensates no 300 wale nō, a inā i ka franchise makemake e unconditional, makemake ole i ka motorist e lawe i na koina i nā mea a pau, i ka insurer makemake i ka uku o ka piha 1000.

No laila lā, ka mea, ua maopopo ia ia he hauna. Naʻe, i nā hua'ōlelo o kēia 'ano o ka lapaʻau mai kekahi poʻe ke oko a nui, no laila, e pili ana i kekahi i hookahuli ai i kekahi manawa, e noi mai ia wa a hiki i ka hope.