Mai au Pono e insure i ke ola lapaʻau ma ke kaʻa? Hana i ka pono a hiki i ka pilikia e insure i kou ola?

Mai au Pono e insure i ke ola lapaʻau ma ke kaʻa? Kēia pukana no kekahi manawa hoihoi i aneane pau motorists, no ka mea mua manawa e hana ana i ka lapaʻau. A me ka poe i mua kŰlń ao ka mea he palapala, aole ia i ike mau i ka pane a hiki i keia mea.

E like me MTPL pilikino E pili ua koi 'ia no ka āpana, he nui lapaʻau poʻe i ua' Imi kaumaha aku i kaʻano o nā lawelawe i pili e like me "ke kamako iki ma ke kaka." Oe ke maopopo ia. Ma hope o nā mea a pau, i ka nui nā lawelawe e e hiki ke kuai aku i ka UK manakia, ka mea kiekie, e lilo kona mau uku. Akā, kēlā me kēia lapaʻau na koina ke kālā, a me ka pinepine nui. Pela ka mea maikai, e kūʻai i ka hou hana, o ka oi aku ina oe e ole e pono ai?

Ma keia 'atikala ho'āʻo mākou e pane mai i ka pili o nā kaʻa mea nāna. Hana au Pono e insure i ke ola lapaʻau ia i ke kaʻa ma ka "Ingosstrakh", "RESO", "Rosgosstrakh" a me kekahi'ē aʻe i ka hoʻolālā? E ka manaʻo.

Kau VAS ma kakau o ka lapaʻau

Hope loa mau kanaka i pono e pono e insure i ke ola o ka mīkini ma ka manawa o ka lapaʻau, he nui SC a hiki loa ai nui, a kaulana, hoomaka ae la lakou e hana i kēia mea i kā lākou pono. Pela ka nui o lakou, ua hoomaka ae la na insurers e massively hoole i hoopuka MTPL me ke kūʻaiʻana i nā pūʻolo helu. Naʻe, ka mea hiki ole a pau ole i ka ike i na hana e loa 'ino ai.

Ka i ka ho omaulia mea i mau kaʻa ona makemake e pana aku au i nā aʻalolo a me ke kālā i loko o ka ho'āʻoʻana, e hoomalu aku i ko lakou mau mea e pono ai. Kahi o 70% o nā motorists 'aelike a me na koi ana o insurers a me ka mea, e hoʻokali kūpono' hana.

Mai au Pono e insure i ke ola lapaʻau ma ke kaʻa? I ka "hoi ka manao hookahi", "MSC", "Ingosstrakh" a me nā lapaʻau poe ike pono i mea ole. Akā, i ka hana i loko o nä hana kilokilo? A i ka mea. A hiki aku oe e hele mai e hoopuka aku i ka kulekele, ia mea tausani a me kekahi kumu kekahi e hoole mai oe. Akā, pono kekahi e hele? A laila au e loaʻa, e pili ana i nā hua'ōlelo a pau i kaumaha aku ai eʻimi i kekahi insurer.

He aha ke ano o ke kanawai e olelo aku nei?

Mai au Pono e insure i ke ola lapaʻau ma ke kaʻa? No, aʻaʻohe hou! A me keia olelo ka i unfounded, e like me ka mea e hoikeike ma ke kēia mau kānāwai:

1. "On CTP" - keia palapala, aole ia i pono imply i ke alo o kekahi'ē aʻe lapaʻau.
2. "Ma 'ohana ka palekana o Consumer Rights". Penei, Art. 16,2 ke hai mai i ke kumu ke kuai ana o ka hoʻokahi huahana kūʻai "ka haawe" o kekahi ua hookapuia.
3. Code o Administrative hewa, Art. 15.34.1. Ua hoʻolako ka UK kuleana no ka unmotivated hoole i kakau o CTP, a me ka compulsion e kūʻai aiiieieoaeuiuo iiauo lawelawe. Ka hoopai no ka hewa, he 50 tausani Lūkini rubles.

No ke aha la kula hope lapaʻau i kekahi mea,ʻaʻole pono?

O ka holo ana, o kela mea keia Keaukaha, o ka loa a me ka makaala lakou akahele ana ma ke alanui, ka maopopo mua i ko lakou ola, a ola. Akā, i kaʻoiaʻiʻo, e insure i ke ola o ka mīkini ma ka manawa o ka lapaʻau, ka mea hiki ke wehe pilikia wale ia ia iho. Like anywhere, ma kekahi kau e, i kēia mauʻano o ke kūkulu 'ia ka mea, i oleloia pu, alaila, ua loa i pili ke ola lapaʻau i ka hana o CTP. E like me ke kumu kānāwai o ka moku'āina, i nā kānaka apau, e hoolilo aku o ko lākou mau ola kino a me ka ke ola. Nolaila, ma keia hihia, coercion mea he pono 'aʻe' ana i kaʻikena kanawai.

No ke aha la i keia ahaʻia nei? Ma ka wahi mua no laila, hana i ka unscrupulous insurers. E ho ohana i ka mea e mau ana na mea he nui nā mea kūʻai mai i ole ka ike o ko lākou mau pono, a ua i makaukau e hoomalu ia lakou, ka mea makemake e kiʻi like ka nui me ka hiki 'ino ai ka waiwai. Naʻe, i kēia kŰia e hiki pono i ke kaua.

Pehea e huli i kekahi SK kupono

No ka laʻana, i ka nīnau "anei au i ke insure i ke ola lapaʻau ma ke kaʻa" i loko o ka "Uralsib" pane wale ikaika. A no kekahi mau mea, ma luna o ka lapaʻau poe, ma ka manao o ka mea hoʻohana a lawelawe latike, a pau loa ka nui helu o ka hoopii. Eia naʻe, 'ē aʻe SC kekahi i kekahi,ʻaʻohe hope.

Aia nō ma ka liʻiliʻi loa elua o ka loa, he pono ole ia paena io i ma unscrupulous insurers. A hiki aku oe e hele mai me ka manao e hou i ka lapaʻau, a pau o ka ulia hope CTP ano a ahau ke ka polokalamu kamepiula. A pau i ka leo magically nalo ka wā o ka Customer e like me ke kakau ana o ka hou lapaʻau.

He loa paʻakikī e pane i ka ninau o ke ana e imi i ka pono lapaʻau huakai. Ka nui, e hoike ana i ka ua IC ke hana i ka maikai, ka manaoio ma ka ia'āina, a pale aku i ka 'aʻe' ana o ka 'ē aʻe.

No laila, ina oe i loko o kanalua, eʻoiaʻiʻo e insure i ke ola o ka mīkini ma ka manawa o ka lapaʻau, i loko o ka "FAC", no ka laʻana, ka mea, mea maikaʻi,ʻaʻole i ka hele. Ma ka liʻiliʻi loa, ma o ka Ryazan māhele 'āina. E like me ka hōʻike manaʻo lehulehu o ke kaʻa ona, ka hapanui o na oihana o ka lapaʻau ahakanaka oe e ole e wehewehe i kekahi mea e makemake ai. Oe e Mai lawe lapaʻau no ke ola? A laila, CTP ano laila, e hele ma ka hebedoma. Naʻe, ka mea hoʻoneʻe 'ia paha i ka hōʻike manaʻo i hewa.

Pehea e hoʻopale ai i kāu mea e pono ai: ka ala mua

A heluhelu i kēia mamao, oe paha ua hoʻomaopopo, eʻoiaʻiʻo e insure i ke ola lapaʻau ma ke kaʻa. CTP Ua hiki ke kiʻi aʻaʻole uku no nā lawelawe. Pehea e hana ia? Aia nō ma ka liʻiliʻi loa 3 ke kuleana ala. E like me ka hana pono E hoike mai, ka mea, ua nui loa kaila.

Ike o ka hiki hihia i loko o ka loaa ana i ke kulekele, mālama '-ua hookoe ia e ke kākau moʻo'ōlelo a me ke alo o na mea ike maka elua. Kaumaha SC luna e hoopuka MTPL, i ka wahi i ole'ē aʻe lapaʻau oe e i manao e huki. He mea hiki ke mālama '-hoike aku i ka IC manakia i kou kamailio ana e ka palapala ma ke kelepona, leki kākau moʻo'ōlelo a ka pahupaʻiwikiō. Inā 'oe e e hōʻole, nānā' ole o ka mea koi i ka palapala hooiaio ai i ia mea hiki ole ke hoopuka MTPL.

A lailaʻoe e waiho i ke kaʻa ma ka aoeaiia caaiea, a hele aku i ka 'aha hoʻokolokolo. Ka palapala noi Pono e pili nā mea a pau i loaʻa kekahi hōʻike: rejection, kākau i kekahi leo kākau moʻo'ōlelo, affidavits o ka hoike, a no laila, ma luna o.

Kēia hana i kekahi pono:

• oe e CTP me kekahi "koho";
• Oe e noi aku i ka hewa i ka kekahi nui i loko o piʻi - oe i haʻakoiʻia e hoʻohana lehulehu amo, a nui no o keia i ka hoao ana;
• Inā kou kaʻa ua hoʻohana 'ia no ka pāʻoihana hana, e hiki ke hui aku i ka nui o ke kahe ana o ka waiwai;
• oe ke ola maoli pohō: e hoʻi i ke kālā no ka huakaʻi ma ke kaʻa'ōhua, kaʻa 'ohua balota, hoailona ma ke kaʻa'ōhua ma lalo iho, a pela ia.

Aia i keia iaoia a me ka nele o - hālāwai hoʻolohe manaʻo ke lawe mai i na malama ekolu.

hana mau

No ka mea, ÿo ka mea e ole i manawa e kali ai loa, a holo ma ka pā hale, he mea kekahi koho:

• E hele mai i kekahi lapaʻau hoa a pau;
• hai aku i ko lakou makemake, e kiʻi i ka CTP;
• hoʻolohe i ka manakia moans i konaʻano a ma laila, a laila,ʻae ma luna o nā mea a pau ana;
• Ua uku a pau i ka hou lapaʻau, a kiʻi i kou lima ma luna o ke kuko i ka CTP;
• i ka ia la ae, (a ua hiki e, a me ka ia) kākau i kekahi māmala'ōlelo no ke poo o ka oihana o ka lapaʻau lehulehu me ke noi e uhai i ka palapala o ke ola lapaʻau;
• like me ka mea e hiki 'ana ka hōʻike i ole manao e komo i loko o ia ka' aelike ka mea, i, a i ole wehewehe ia oe i ka manakia i kou kuleana e hoole ia;
• e pili i ke kulekele hoike, kelepona helu a me ka kapa lāliʻi;
• Ua hoouna aku ka mea a pau a hiki i ka UK helu wahi ma i kāinoaʻia palapala me ka hooiaioia mai o ka loaʻa paʻa mau, a ahonui mai e kali ana no 14 lā.

Mai ka hoopau ana o ka aelike, e hoole lapaʻau huiʻAʻohe pono, a laila, ma hope o ka hebedoma ( 'ole paha ma mua) oe e hea aku i ka manakia, a noi e möakäka hou e like pehea' oe makemake i ka uku.

Eia naʻe, he mea kekahi papa anuʻu loa kai pohaku, a e maopopo leʻa hoʻolohe i. Ua pili ia i ka hoopai ana au i ka uku no ke kāpaeʻana pilikino E pili. Inā ka mea, ua oi aku 10-15% o ka waiwai e lilo aku, ka mea, aole ia i hana pono. Ma ia i ka hihia, ka hana hiki ole ke noʻonoʻo pono ka lakou e maona ai.

Kekahiʻano o FAS

A kipa i ka Pekelala Antimonopoly Service (abbreviated like FAS) i kekahi hua. Eia naʻe, no ka mea, ia oe, e pono e loaa kekahi kūhelu hōʻole o ka CTP. E like me ko oukou ike ana, e haawi ia i ka UK i loko o wikiwiki.

Inā he palapala waiver oe e e haawi aku, akā, mai kaʻi aku i pili pono ola lapaʻau a me ka waiwai ole, ae. Akā, me ka hōʻailona o ka palapala ae, i kona inoa i loko o 2 kope, kākau "me muli o ka waiwai lapaʻau (ola ole kekahi mea e ae) i loko o ka hoʻolako 'ia' o ka muli o Hawaii TPL lapaʻau i hōʻole." Ano, a me kona kope manao noa, e hele i ka Pekelala Hana a na kokoke lala o ka FAS. Ka mea, ke kōkuaʻoe hoihoi mai i kou pono, a me ka UK e e fined.

ka hopena

Mai ma ka mamao o ka hapanui o ke kaʻa nona mea no i makaukau e hoomalu i ko lakou mau mea e pono ai, he nui lapaʻau poʻe e hoʻomau ana i ko lakou puka Customer hana pilikino E pili. E hoole i ke kulana, ka mea, he pono ke pane i kēlā me kēia hihia. No oe e pono e pono ai, ua ike e insure i ke ola lapaʻau ia i ke kaʻa ma ka "MSK", "SOGAZ", "PROMINSTRAH", "NASCO" 'ole kekahi' ē aʻe Lūkini poe, oe e e hiki ke auhau ia lakou i ka hoʻokali kūpono 'hou ia oe hou.