He aha ka i ka likeʻole, mai ka CTP Casco

CASCO lapaʻau pilikino E pili - he kulekele no ka naau mai lapaʻau o ke kaa, iā MTPL - muli o. Most mea mahaloia imua o Rusia kahua mua MTPL pilikino E pili. He aha nāʻokoʻa ma waena o kēia mauʻano o ka lapaʻau?

1. CASCO - lapaʻau o kekahi ano o ka amo (kaʻa, waapa, mau ukali, pelane, etc.). I ka hana ana i kekahi MTPL lapaʻau ikaika wale kaʻa.
2. Ma ka hanana o ka lapaʻau hihia, ka luahi e leka uila i kekahi o kou lapaʻau poe (CASCO), a me ka poe o ka originator o ka hana 'ia (CTP).
3. A hiki i ke kulekele CASCO e hoʻolako i ka oi loa , e wehe ole depreciation. Eia hou kekahi, no hoi ua hoakaka no ka uku no ka lilo ana o ka waiwai, i loko o Akä naÿe i ka CTP.
4. CASCO lapaʻau ka wā hiki, ole wale i ke kaa, akā, i ohua, ukana, ka waiwai, oiai ma ka MTPL lapaʻau mea malalo iho o ia wale nō e hiki no i ka pōʻinoʻia i ke kolu poe.
5. A lohe o hauna i ka manawa kūpono e hana i ka hoʻoponopono 'ana i ka uku o ka insurer, i ka wa i ke dala lilo ma ka i ka ho omaulia uku ma CTP.
6. I Ina o ka lapaʻau hauna, ma laila i e franchise.
7. Loa o ka poino i ka wa a ke kulekele CASCO ke kuhikuhi i kekahi akamai, oiai ma ka CTP - wale he aupuni kūʻokoʻa akamai.
8. I ka hinu hauna waiwai ka uku nui loa me ka nānā 'ana i ka lapaʻau poe, iā CTP - hooponopono ma ka moku'āina.

Kēia papa wale i kaʻokoʻa ma waena o kēia mau lapaʻau nenoai. Ua E hoi e olelo ia i ka hauna o ua maheleia i mau ano - i ka piha a me ka hapa. Full hulina lapaʻau e leie aku oe e insure aku i nā mea a pau ka pilikia: aihue, ulia, ke ahi, kūlohelohe . Kapu hana o ekolu kanaka, mea e haule ana ma luna o ke kaʻa, etc. i A hihia o ka hapa hauna o lapaʻau policyholder ka pono e hoʻoholo i ka pilikia i loko o kona hihia nō ka mea nui, a me ka ole insure i ke kaa, mai ka pilikia mai o haʻahaʻa-pahiki no ia.

Inā e hooholo ia oe pono i ke kulekele hauna, a me kou Bedroom ua kaupalena ', hapa hauna o hiki e ke ala nui mai. Kekahi hiki koho makemake e deductible. franchise kukuluia'na o ia hoʻi, ua uhi nīnūnē poino i ka policyholder produces kū kaʻawale. No ka laʻana, ina ka deductible ua waiho ma 5000 rubles, auto hoʻopaʻa i loko o ka huina i ua hui pū i loko o ka pahu, i ke kaʻa mea nāna uku ia ia iho. A ma ka hopena o ke poho no ka huina nui, ka mea, i ka hoopii i ka lapaʻau huakai.

E noonoo oe i kekahi mau koho, e hoola mai ia oe e ke kulekele CASCO. Mua, ka mea, he ulia-noa holoʻana no ka makahiki mua, e like me keia uku ka ia i loko o ka wā no helu ana i ka waiwai o ke kulekele. Ka lua, o ka helu ana o kanaka, a ua i mai lapaʻau. Oe E seriously noonoo ka mea e nae kipaku i ke kaa, a me ka poe hiki ole ke komo i loko o ka papa - ka mea, e hoi emi i ka lilo o ka lapaʻau. Eia hoi, mai hoopoina e pili ana i ke kiʻi bonuses a me nā ho'ēmi kālā i na mea he nui lapaʻau poʻe e kaumaha aku i kā lākou nā mea kūʻai mai ia mea, e ana i ka lawelawe ana i hoapili ia poe.

Ano, i ka hiʻona o CASCO e ulu ana, a me keia ua hiki wawe ka wehewehe. Eia hou, hiki ke hui ka manao o ka naau mai lapaʻau me ke kulekele o ke kula haʻahaʻa. Penei, oe e i ka hulina kālā e malu ai - ma ka mea i loko o ka hihia o ka ulia, e hiki ke helu i oi lokomaikaʻi piʻi no ka hinu hauna, a me ka pohō i ka poino aoao, e lawe i ka lapaʻau lehulehu me ka a au i manao he aelike CTP. A me ka hulina maluhia no oe a me kou aloha keiki e pono ai,ʻaʻole eʻoi aku ka pipiʻi, aie i na kumu i hoakakaia mamua.

Inā 'oe makemake e e paulele i loko o kou olelo hooholo, e hiki e mālama'-i ka ho omaulia paha i ka ho omaulia o CTP hauna.