Ka hoʻokukeʻana me ka lapaʻau - mea ia mea?

Koi 'ia i nā palapala no kekahi Keaukaha - he Keaukaha ka laikini, kakau palapala a me ka lapaʻau. I ka wa e kaawale aku o ma ka liʻiliʻi loa i kekahi o ia mau mea, oia ka mea,ʻaʻohe pono i ka pāʻana o ke kaʻa. I kēia lā, e kamaʻilio pū mākou e pili ana i lapaʻau, e pili ana i na rula o ka la hoomalolo, a ma ka mea Hoʻoweliweli 'o ia i kipaku ole lapaʻau.

Auto Insurance - kēia 'ano o ka lapaʻau' ohana ka palekana, ke hoʻololi i ka pale aku i ka pono kālā o ke kaʻa mea nāna ma ka hihia o ka poho,ʻaihue a he ulia pakalaki i ke komo pū i kona kaʻa. Ma ka manawa, loaʻa nō nā ʻano o nā kaʻa lapaʻau: Obligatory (CTP) a me ka naau mai lapaʻau (CASCO).

Mai ka inoa ka mea, ua ike i ka CTP (kū no ka "muli o lapaʻau Hawaii aie") - he OAXA kaʻina hana, na olelo no ka haawi a me ka ua i nāʻauhau ma ke kānāwai. Hauna o mea i ka hana i hoakaka ia ma ka lapaʻau poʻe, no laila, i nā kūlana a me nā kumu i dictated e ia.

Inā 'oe triggered ka ulia, CTP reimburse i ka poino, kena ae la i ka luahi kaa. Inā, ma keia kulana, oe, ua pololei, alaila oe i ke koi uku, mai ka lapaʻau poe ka hana hou i ka culprit. Inā 'oe e hoʻohana i nā lawelawe o hinu hauna, ka lapaʻau ka poe ua koiia e uku i ke koina i loko o kekahi hanana. Aia i kekahi likeʻole ma waena o nā nenoai elua: CTP indemnify wale i ka hihia o ka ulia, a me ka hinu hauna o - ma ka hihia o ka ulia, pōʻino, aihue a haki. He aha e koho, hilinaʻi nui ma luna o kou olelo hooholo.

Ka hoʻokukeʻana me ka lapaʻau muli o Hawaii TPL lapaʻau, e like me ka olelo maluna, i inadmissible, ma kekahi hihia, hoʻokō i ka uku ia oe, nānā 'ole no paha oe i poina e hoʻokūpaʻa i laila i ke kulekele paha e haʻalele ia ma ka hale.

E noonoo oe i ka lua o ka hihia e hoʻopoina lapaʻau palapala ma ka hale, a me ka mea, ke nae oe i nā lā, a me oe i komo i loko o ia. Ma keia hihia, ke Thumbnail CEAAE e hoʻolako i ke aoʻana a me ka hoopai. Ka hoʻokukeʻana me ka lapaʻau, e loaʻa i loko o keia hihia, he 100 rubles.

Inā ua hopuia ke Keaukaha, oiai e hoohauhee ana i ole hoakaka CTP manawa, ka mea e e fined 300 rubles paha Ban, e hoʻopau i ke kumu hou ia hana. Ma lalo o kēia IeAUPIIe, IAa IO haule mala, insuring i kou kaa no ke kauwela wā.

a ia mea pinepine ai ia oe urgently pono, e noho ma ke kua o ka huila o ka Keaukaha, i kakauia ma ka palapala. Ka hoʻokukeʻana me ka lapaʻau ma keia hihia e loaʻa i loko o 300 rubles, eia kekahi TC e kali ana a hiki i ka motorist.

Ka hoʻokukeʻana me ka lapaʻau, no ka uku hoopai no ka i mea ka i kā mākou - ua holo me ka overdue muli o Hawaii TPL lapaʻau. Ka hoopai ana i loko o ka wahi o ka 500-800 rubles, ma ka hou, papa aku kalepa ae la lakou makai aineiniaeoi, e hou ana o ke kaa. Na ia hoopai, e i, e uku no i ka wa e kaawale aku o ke kulekele, a me keia manawa ka hana, no ka mea hoike, i ka wa a ka Keaukaha hoʻoholo ka wā kūʻai i ke kaʻa 'aʻole e insure ia.

E hoomanao i ka mea mea nui ho'ēmi a oi ike loea e kuai i kekahi kulekele CTP a CASCO, a me ka mea, ke ole hoi, no ka ka hoʻokukeʻana me ka lapaʻau ua pili me ka ikaika kue a me na luna DPS. 'Aʻole kekahi e kuleana no ka mea hana ia oe i ka la apopo ma ka alanui hiki. Maikaʻi me ka maluhia o ka manao, e noho ma ke kua o ka huila o ke kaʻa, me ka ike ana mai, mai i, e mihi i ka nui koi pohō a lilo i ka hihia o kaʻaihue a ulia.