'Ākena lapaʻau CASCO: keia, ka pilikia nä mea ola auto lapaʻau

Ma ka hoʻoholo 'ana ma ka pono, e insure kou kaʻa (ma luna o lākou iho Initiative paha ma lalo o ka puʻe o mawaho aʻe), ke kanaka kaʻina kānāwai imi ana no ke kupono lapaʻau poe. Ka Loaʻaʻia Customer Ua IeAUPIIe, IAa IO mua nana i ka insurer ka holo 'awelika, me ka wale laila, ua kokoke mai noonoo ana i ka mea' ē aʻe olelo o ka aelike (a hiki laila, e mau loa ana me). Akā, i ka uku, e pili kēia hilinaʻi ma o ka olelo ma lalo i ola auto lapaʻau mea i hoʻopaʻa waiwai.

I loko nō o ka mea i hauna o - ka naau mai Hawaii lapaʻau Customer ka kaa, me ka mea e ole ke hana i uku hana. No laila, no ka mea, he nui loa kaʻa ona, keia aelike i ka naau mai-muli o. E imi mai hou me na olelo, a ana koho i ka insurer, ia mea pono e hoʻomaka i mea okoa, mai hauna o CTP e maopopo. I kaʻokoʻa ma waena o kēia mauʻano o ka lapaʻau - ola auto lapaʻau? Iae. Ma ka hihia mua ia e ia i ke kolu o ka aoao ( 'o ia hoʻi ka makau o ke ola a me ka ola o nā alanui mea hoʻohana, e like me kā lākou waiwai, a me kaa), a laila ka mea wale hulina lapaʻau i ka mea o ka lapaʻau o ke kaʻa iho.

E koho i nā kumu ma lalo i ka aelike e e huki i CASCO, e ike i ka Client i ka mea haahaa momona no ka aelikeʻiʻo pu ma ka deductible kiʻekiʻe, a me ka loa mai ka papa inoa o kekahi o na ka pilikia. Ua ka manawa ka mea nui, a hiki i ka wā e hiki mai he aha ka mea e ia i ka uku pānaʻi ina oe i loaa maluna o ka hanana o kekahi hanana.

Franchise (oa ke dala deducted mai i ka uku pānaʻi i ka wa uku) hiki ke hōʻike like me ka pakeneka o ka lilo o ke kaa, a ma rubles. Inā ke kaʻa lapaʻau ka loaʻa o ke kiʻekiʻe deductible, alaila, e imi i ka uku, ua ano ma ka hihia o ka 'inoʻino loa wale. Oia like ana pele holo no ka auto like aie, hoemi i ka lilo deductible lākiō o ka wā lapaʻau i ka Client, ma ka mea,ʻaʻole pono, a oia perceives ia wale nō me ka hou kāki.

Mawaena o na Mohai o a ka hoʻopaʻa waiwai mea auto like lapaʻau, ke kahua Ua like penei: ina ke kaʻa aie, alaila, e koho i ka pali, a me ka hiki ole noho aliʻi mai ka Client kekahi o nā 'ikamu, i mea e emi ai ka lapaʻau ka uku nui loa. Inā ua ole e pili ana i ka aie lapaʻau, ka Customer e wae mai ai ia ia i loaʻa i loko o ka aelike, a mea mea ole. Ma ka hihia o Hawaii lapaʻau mea e hoʻopaʻa waiwai no a pau ka pilikia pili CASCO 'aelike i ka ulia (nā no o ka Keaukaha, a ole ia), i ka' ino ai ka hana o nā mea (me ka aihue), ma kona ano maoli i na ino, haule iho la ia mea, laau, ke ahi a me ka noho'na makaainana i ulu'ā.

E emi i ka lilo o ka lapaʻau, ka Customer ke hoole 'ikamu i, ma kona manao, ka olelo lealea. E like me ka rula, ke kuikahi hookaawale ia maoli au i na ino a me ke ahi, a waiho wale i ka ulia a me ka aihue. A hiki i ka awelikeʻilikai franchise i loko o 2-4% o ka puu hoʻopaʻa waiwai lapaʻau i e ho'ēmi i 2 manawa. Mea o ka auto like lapaʻau i ka mea ia manawa hiki e kaa nā kekahi kanaka a me nā pāʻoihana. He nui insurers i ka i kā mākou makahiki o ke kaʻa, i hiki ke hoʻopaʻa waiwai no ka hinu hauna, mahuahua ka dute ma luna o kaa mua 8, 9 a me 10 makahiki, 1.5 a me 2 manawa, a haawi mai i ka lapaʻau ana o ia mau kaa ma mua.

I ka koho ka lapaʻau poe, a e e ano hauna, e like me ka noonoo i ke kūlanaʻokoʻa o ka aelike, e uku ao noonoo a hiki i kēia kaʻina hana, no laila, e, ina e pono ai, a me ka oluolu hassle-noa e kiʻi i ka uku pānaʻi.