Where a pehea e insure i ke kaʻa me kekahi hou lapaʻau?

Kūʻai i ke kaʻa, ua e i mau manaʻo e pili ana i ka wā e hiki mai nā koina. Inā e hookaawale i ke kālā ma luna o kekahi mau tuning, hooilo papale hainaka, a me ka dukima o "nā Hāmeʻa" e like me ka noho uhi ili opiopio bipi hihiu, o ka loa nui na makana i ke kaa i ka lapaʻau. Akā, pehea a me kahi e insure i kaʻa? Reviews o ka poe i mohai like lawelawe, e no laila, pēlā nō e hana ana i ka poʻe uʻi a'ākau mea e mau loa ana me maʻalahi. Ua haawiia i na IC, he nui nā mea kūʻai mai i pinepineʻalo i ka mea e, i hou i ka maoli ola auto lapaʻau, ka mea ho'öla hou uku lawelawe. Mākou e kamaʻilio e pili ana i ke ola lapaʻau, ukana, a no laila, ma luna o. Ua mea nui, akā, pinepine mai i pono ia i ka manawa, 'aʻole ia? A keu aku, ina he mea ia he makemake, ka Client ke ninau i ke kookoo ma ko lakou noi. Akā, ka mea, 'o ka Lyrics. No laila, pehea e insure i ke kaʻa me nā lapaʻau a me ka mea e pono ai e hana?

'ano o nā kulekele

Loa pinepine, i ka lapaʻau aelike o ke kaa koke ma hope o ke kuai ana o ola auto, a hoʻolōʻihiʻia makahiki. An koe paha ia i ke kulana, ka wā o ka makahiki o ke kuaiia kaa aku i 10-12 makahiki: i loko o ia mau hihia, kekahi poʻe hiki a e hoole hana. I kēia manawa, ke mau ano loa mahalo o nā kulekele:

• Hauna o - e insure i ka mīkini (i) i e nā ku e aihue, a no kekahi poho;
• CTP - hoʻohuʻu poho kanaka malihini machines loli ana ma kou ka palaleha;

ʻO kekahi mea nui caveat :, i loko o ka hihia o ka ulia oe i ke koho pono kahi e noi ana i ke kālā o ka hoʻonui poho ma ka lapaʻau hihia, e loaa uku, mai nā kūkulu 'elua e hiki ole, no laila, inā' oe i nā MTPL a me CASCO.

Ma ke kūʻaiʻana i kekahi 'ole' ē aʻe lapaʻau kūkulu 'ia, kaa mea nāna mua o nā mea a pau e kali ana i ka loa ano hua'ōlelo, a me ka hana kumukuai ma keia hihia Radio kūlana ano nui i. No laila, ma mua 'eʻe' i ke kuikahi, e akahele nānā i nā mea a pau o kona nuances.

A hiki i ke ola lapaʻau mea pono

Pūlima i ka aelike, eʻalo nui kaʻa mea nona a me ka mea i ma ka hou ana i ke kumu o nā lawelawe kaumaha ka mea, e hoopuka aku i ka kulekele ma luna o nā ka pilikia, no ka laʻana, e insure i ke ola o ka Keaukaha. Oia uku i na kanaka disparagingly kahea "dopami". I kekahi manawa, i ka holo pono o kēia mau lawelawe entails ka impossibility o ke kakau ana o ke kulekele 'ole he nui kali hou aku; i loko o ka manawa o kona loaa ana mai. La e hiki ai i ka insure i kekahi kaʻa me ke ola lapaʻau? Ua huli mai ia oe hiki, nae, i kekahi manawa i ka kaʻina hiki ke lawe i kekahi manawa. No laila, ina oe insure ke kaʻa me ke ola lapaʻau i loko o ka "maoli" poe hoole, a ua holo mai aaioee manawa - ia ka hiki pono o ka nānā i ka 'ē aʻe onipaa no ka hoʻolako' like lawelawe. A aha ina ka UK aole ia i makemake e hoʻololi?

He aha e hana ina oe i ua hoomalau

Ma ke kumu o ka Lūkini kanawai, 'aʻole' oe i ka uku no ka aiiieieoaeuiuo iiauo koho. No laila, ina, no kekahi laʻana, "Rosgosstrakh" e insure i kekahi kaʻa me kekahi "kūikawā kahua o ka hoʻonaʻauao" hoole a me ka loli hana pilikino E pili pae e mai i manawa paha makemake, e ke ho'āʻo e ho ololi i na insurers ma ke kānāwai. E like me ka rula, kanaka e mai i ka lapaʻau, i maliu ole mai i ka overpayment, akā, inā i ka ninau o ka loina no oe, he mea kamaʻilio me ke kookoo o ka poe o ka hopena, aole ia e lawe mai i - e hele i ka Aha, ai ka Anati-Monopoly Komite.

I mea e loaa i ka hihia no kaʻoiaʻiʻo, ua loaʻa i ka hooiaio i ka hāʻawi pio nā man- akia, e i e uku i hou hana i loko o ka mea au e ole e pono ai. No keia kupono i ka palapala waiver, a ua heluʻia ma ke kumu o ka hikiʻole, e kakau i ka berita me ke ola lapaʻau. Inā ia pepa, e haawi mai oe i hoole, i ka mea e hoʻokō 'ole' hiki ke kākau ma ka kelepona a me ka leo kākau moʻo'ōlelo - ka mea, hiki ke kōkua ano ke hooiaio i kou hihia. Loa paha, oe, e loaa i ka Aha, a me ka overpayment a pau e e hoi mai, akā, na nä olonä i e huki nani.

Eia hou kekahi, he mea i ka manawa kūpono i hoonaukiukiia insurers e haawi ike no oe me ka Client au hoomolowa i kā lākou mau hoalawehana, a me ka hoopuka aku i ke kulekele i loko o ka wā e hiki mai, e e problematic. Inā keia ua hiki mai ia oe - koke hoopiiia oia i ka antimonopoly office, Ka Loio Hoʻopiʻi ka oihana a me ka 'aha hoʻokolokolo. Kuikui aku la i na bele, o ka oiaio mea ma kouʻaoʻao, no ka mea, e insure i kekahi kaʻa me kekahi hou lapaʻau koi 'ia e Profile i ka poe, a me ka mea, aohe kanawai hahau aku la ia ia, e uku oe no ka mea e ole e pono ai.

kekahi ala

Inā luku aku i nā aʻalolo a me ka hoomaunauna aku ai i manawa ma litigation mai i makemake ia, e hiki ho'āʻo e hana ia me ka hoomainoino ana a me ka hoʻolālā, e lawelawe i ka kulekele. Eia kekahi, e emi "koko" ke ala e insure i ke kaʻa me nā lapaʻau. Small aʻo:

1. E hele i ka punaewele o ke koho lehulehu, a loaʻa ma laila 'ike ma luna o ka walaʻauʻana holo' awelika o ka lapaʻau kumu a me ka uku lāliʻi.
2. E ho ohana i ka olelo o ka Central Bank o ka Russian Hui, kū kaʻawale mau hōʻailona i ka nui o ka lapaʻau ka uku nui loa. E ka mea oluolu i ka lakou mau punaewele i loko o keia manao, he mea nui o ke ao a me ka examples.
3. E uku no ka lawelawe, akā, no laila, ia oe i ma luna o kou mau lima ke kaha a me ka loaa ana e hoike ana i ka manao o ka uku, kahi au i ke kākauʻana i ka "uku o ka lapaʻau ka uku nui loa, CTP lapaʻau pilikino E pili, kaʻa" ... ", ka moku'āina helu xxxx."
4. Wehe i na kope o na kēia mau palapala: palapala holo'āina'ē, inoa a me ka palapala o ke kaa kakau, O Keaukaha ka laikini a pau, ka poe i hoʻokomo i ka hooponopono ana o keia kaa, i ka PalekanaEND_LINK kāleka a me ka palapala o oaoieei-nana, he ponopono no ka uku o ka lapaʻau ka uku nui loa.
5. Hoʻopiha 'oe i ka palapala no ka manao i ka aelike o ka lapaʻau (ka palapala hiki ke loaʻa ma ka "Bank o Rusia" paena).
6. I loko oʻia kekahi mau mea uhi palapala, a prescribes he olua i na kēia mau kānāwai: kanawai helu 40, hua. mai 11/04/14; paukū 1.4-1.6 "hooponopono ma na rula o ka ona o kaa muli o aie lapaʻau" helu 431-P, i aponoia "ka Bank o Rusia."
7. E uhi palapala e waiho i ka luna o ka papa inoa o nā palapala a me kā lākou mau kope.
8. Kino, ua lawe mai a pau o ka luna i loko o ka lapaʻau huakai o ka oihana, a koi i ka hehi iho la i ka loaa ana lā ma luna o kou mau kope o ka poi palapala.
9. Inā mākou e lawe i ka palapala piha o ka hui limahana hoole, hoouna aku mākou iā lākou ma ka eke leta, e hoʻi loaa ana i noi aku ai, eʻoiaʻiʻo e Moʻolako waiwai kūʻai.

Loa pinepine, ma hope o nā mea a pau kēia mauʻanuʻu, ka lapaʻau huakai aʻole i noi ninau, a huki i ka kulekele me kau mau lawelawe.

Pehea, a ma kahi e insure i ke kaʻa no ka CTP

E kiʻi i ke kaʻa lapaʻau pilikino E pili hiki eʻaneʻane kekahi poʻe e hoʻolako like lawelawe. Nā kanaka CTP i kapa wale "avtograzhdanki" e like me ka hua h ÷ ailona o "muli o lapaʻau o kivila aie o ka ulia kaʻa." E kiʻi ia, oe e ole pinepine pono, e waiho i ka nana ana o ke kaa ia iho, akā, no ka nele o CTP mea kū i ka ka uku.

No laila, ma insure i ke kaʻa no ka CTP? Ma mua kilohi ia i mea i ka lilo o ke kulekele e ia e pili ana i ka ia i loko o kekahi poʻe, akā, ma ka hoʻomaʻamaʻa i kēia mea,ʻaʻole i ka hihia. Akā, mai alualu i ka nike, mua o nā mea a pau i ka manaʻo e pili ana paha kou IC e compensate na poho oe e hiki, ina he pono e pono ai. Eia nō kekahi mau ana hoʻohālike i e e hoʻomāka:

• Ke kumukuai o ka lapaʻau. Ka haahaa kumu o ke kulekele - ia mea i mau i ka mea maikai, e mea maikaʻi, e pili ana i ka waena kumukuai waeʻano.
• Rating-insurer. Reputable a papa hana pinepine kaumaha aku i kaʻano o ka paipai 'ana i a me nā ho'ēmi kālā, a me ka inoa maikaʻi ka mea, ua ai.
• Hoʻolako 'ia' ana o nā lawelawe. I kekahi manawa ka mea, ua camouflaged ma hope o ke kau ana o na mahele loa AND lawelawe ia oe, ola lapaʻau, ka waiwai, ke ola a me na mea e ae.
• Pono o ka wahi. Manaʻo e pili ana pehea ia e e pono no oe, e kipa i ka oihana o ka poʻe i loko o ka wa o ka popilikia.

CASCO

Kekahi o kona kulana hanohanoʻano o ke kulekele o CASCO. Insure i ke kaʻa ma keia hihia ia mea hiki ma ka hou ana i ka CTP, eia nae keia mea i OAXA. Ka papa inoa o ka pilikia ma lalo o kēia aelike hiki kokoke i kekahi mea pololei:

• aihue;
• poino ma ka hopena o ka ulia;
• pepe aniani, mai ka pohaku liilii aku mai ma lalo o nā huila o ko kaa hele mua;
• kua ia huila;
• papa i kekahi haole mea, e like me icicles paha pōhaku lepo;
• dents a me scratches o ka hihipeʻa o Kinohi;
• i kekahi'ē aʻe ka pilikia.

Ma keia hihia, ka mea, aole ia i mea i mea ma ka hewa i loko o ka lapaʻau hihia, o ka uku e nō uhi i ka poho. Ua pau hilinaʻi nui wale ma luna o ka lilo o ke kulekele - ka mea i oi aku ka hiki ka pilikia ua komo i loko o ia, o ka oi pipiʻi ia mea. No laila, e like me oe e manao wale, hauna o - leʻaleʻa mea ole nike, i ka lilo o ke kaʻa lapaʻau mea pinepine 10-15% o ke kumukuai o ke kaa wale. Naʻe, hoʻowahāwahā ke kiʻekiʻe lilo, CASCO lapaʻau pilikino E pili ka loa kaulana, o ka oi aku mawaena o novice O Keaukaha.

Ma keia hihia, i ka pane i ka nīnau "pehea e insure i kekahi kaʻa me nā lapaʻau" Ua paʻakikī. Aie i ka mea i ka hauna o ka loa, no ka naau, e ho'āʻo ana lapaʻau poe e kau like ka nui me hiki aiiieieoaeuiuo iiauo koi. Aia mau hihia, i ka wa o ka "enterprising" manakia e kaumaha ana novice O Keaukaha hou formalize i kulekele i ka pū waikaua ma ka hihia o ka ulia panina (supposedly me keia wahi e insure i ke kaʻa ma luna o aihue ole). Eia naʻe, i ke kaua ku e ia mauʻike manaʻo ka paʻakikī - hiki pono i ka hoʻololi 'ana i insurer.

He aha e loli ai i ke kumu kuai o CASCO

Hōʻikeʻana ma luna o kahi e insure i ke kaʻa ma luna o hinu hauna, ia mea e pono ke lawe i ka mooolelo kekahi o nā kumumea i hiki ke loli ke kumukuai o ke kulekele. Loa pinepine ka mea hilinaʻi nui ia:

• kaʻa momoku ahi a me kona waiwai - ka nui ia mea, i ka oi pipiʻi ke kulekele;
• i ka makahiki o ka motorist, a holo ka hoao ana - i ia mea, i ka ho'ēmi i nā kulekele;
• "Kahiko" o ka mīkini wale - i ka polokalamu kele i ke kaʻa, i ka ho'ēmi i ka lapaʻau, a me ke kaa i mea mua ma mua o 10-15 makahiki, a hiki ole insure;
• alo a me ka nui o Anati-aihue nenoai;
• wahi a me na kumu o ke kaʻa - o ka iwilei, aoeaiia caaiea, mālama a me Waialua i? iaie? ou wahi lihi iki;
• i ka waiwai o ka franchise - ole e oi aku ka nui o ka franchise poho, ua eliminated no ka Client pilikino dala;
• i ka pa apŘ o ka heluna kanaka i loko o ka'āina pae'ōnaehana hi - no ka mea hoike, o ka pilikia o ka ulia i loko o ke kulanakauhale, ua nui ma luna ma mua i loko o ka uuku kauhale.

Nō hoʻi, i ka lilo o ka hauna o lapaʻau kulekele hiki mahuahua:

• he papa inoa o ka lapaʻau koi ana;
• wahi ola auto? aiiio - ola auto-koho o ka UK e e ho'ēmi, akā, me ka hoʻoponopono ma laila e 'ai pono i loko o ka tidy huina;
• pakeneka ka palena ma ka nui o ka uku i ka wa a ka hoʻopaʻa waiwai kekahi hanana;
• payout ma ka hihia i ka wa hiki ole i ke kaʻa e hoala hou a me ka pono e hoolilo o;
• i ka manawa kūpono o ka "Green Staff" no ka hele wale aku no;
• hou ke ola lapaʻau i ka Keaukaha paha ohua;
• i ka manawa kūpono o ke kakau ana o installments;
• ka ka manaʻo pohihihi a me ka manawa o nā kaʻina hana no ka Hana ana me ke kahua ma ka hihia o ka hoʻomaopopo pono o ka lapaʻau;
• hou aku.

Insurance ma ka Internet

Ma nā makahiki,ʻaʻohe mea i ke ano o ke kulekele e kuni aiʻoe, nui lapaʻau poʻe kaumaha aelike e pâʻani hana remotely. No laila, pehea e insure i ke kaʻa ma ka Internet, a pehea ia mea ike loea? E hoʻomaka, ua e hoailona oukou i ka hoʻowahāwahā i ka mea i keia hana ka loa kaawale, ia mea nō,ʻaʻole loa palekana. Trust ma keia hihia ia mea e pono ai ka pilina paʻa wale ai poʻe. No laila, ma mua oe i olelo e insure i ke kaʻa ma ka Internet, ke akahele heluhelu hōʻike manaʻo e pili ana i mohai ia i ka hana, a intermediary hope paha i ka hui.

Ke pā like ana o ke kaʻina hana, ua like penei:

• E koho i ka lapaʻau poe a me 'oe e hele i kona kūhelu aoʻao pūnaewele puni;
• pono këia i ka olelo o ke kakau ana o hinu hauna a me MTPL kulekele, koho i ka pono a me ka haʻalele i ka online, noi no kona kakau ana;
• ma kekahi hihia, e i e hou hoʻopiha mai i ka pōkole palapala ninaninau, a he 'ike e pili ana i ke kaʻa a me nā unclassified ike;
• ke koho i ka lā a me ka manawa i a oe e makemake, e lawe courier lapaʻau poe.

Iloko o keia manawa, ma hope o aaioee i ka 'ike mai ia oe i ka elele me ka makaukau-i lapaʻau pilikino E pili, a e e uku ma luna o ka wahi ma luna o loaa ana mai. E hiki no hoi koho kahi e lawe mai i ka palapala - ma ka hale a ma luna o ka 'oihana, e like me kou makemake, i ka papa kuhikuhiE mea - e ia ma laila i ka manawa i'ōleloʻia ai. He loa kaawale, no ka mea, mea,ʻaʻole he pono e pana aku au i nā manawa ma huakaʻi i ka oihana, mai pono i ka "līʻia mai" i loko o ka kalepa ae la lakou Jam, e ku ana ma ka laina i ka manakia, a me ka cashier, a no laila, ma luna o. Kou manawa a me kou nā aʻalolo e noho me oe.

I mea ole, e kali manawa ma luna o ka makaikai ana i ka poe o ka oihana, e hiki kekahi hana i nā lawelawe o kūikawā Luna, intermediaries, a pinepine no hoi i ko lakou mauʻaoʻao ma luna o ka Internet. Paula - he maoli kanaka i loaa i ka palapala me ka lapaʻau lehulehu, a me ka pūnaewele o ka brokerage lawelawe. pinepine ia kanaka e hookipa mai 10 a hiki i 20% o ka lilo o ke kulekele, no laila, inā 'oe e hoʻohana i ka lawelawe ana o kekahi, a me ka ia kanaka a pau i ka manawa, ka mea hiki, e hana nōʻoe i ka uku ho'ēmi, a me ke kulekele e loaʻa i ka iki ho'ēmi. Naʻe, ka mea pono laila eʻale huli manao ole i ka "holo i loko o" ka fraudster.

Aie kaʻa - he hoʻoikaika i waeia o ka lapaʻau hui

Akā, i ka ninau o "kahi e insure i ke kaʻa, ia ma ka uku" mea i ke kumukuai o ia ma nā mea a pau. Ka mea o ia ka panakō i hoopuka ia ai ka aie no ke kuai ana i kaa, loa pinepine hoouna aku i ka Client i kekahi mau 'lehulehu me ka a ka mea, i ka hou hana aelike ua papapau pu. Inā 'oe e ole insure aie kaʻa wahi i au mai la i ke kala oe e paha ke kiʻi.

Eia naʻe, he mea hoʻokahi caveat: ka hapanui o nā kapa mai i kōkua 'ana me kekahi IC, akā, i nā mea kūʻai mai hoike "poina". No laila, ma mua oe e ana i ka hoaie, e noi aku i ka 'elele o ka hui panakō kula ka papa inoa o nā mea a pau na i ka hoʻolālā a me a lakou i hana ai, a koho i ka mea i küpono oe pono. Hope, ma ka hopena o ka aie aelike, pono ke hiki e e mālama iā pono kahi au e hōʻoluʻolu. Loa pinepine, kapa mai i makemake e lilo nā mea kūʻai mai, no ka mea, he "trifle" a hele i mua.

nuances o ka lapaʻau

Aia mau no hoi kekahi kūikawā hihia ma i ka hooko ana i ke kulekele i e pilikia. Here oe e, no ka laʻana, ike pehea e insure i ke kaʻa me ka nana? Ua manao ia e kekahi mea, akā, ma laila nō kekahi nuances. Kekahi lapaʻau poʻe e kaumaha aku i kā lākou nā mea kūʻai mai kiʻi i kekahi "kulekele me keʻano." Kēia 'o ia hoʻi i ka palapala, e hāʻawiʻia iāʻoe, akā, ka mea, e hoopai auanei e kākau i kekahi hoakaka e pili ana i mea e ae mai i ka i alahele nana ma hope, e like me ma ka hebedoma.

No hoi, e hiki e noi, e hoopuka aku i kekahi pōkole-kau pilikino E pili, i mea e insure i ke kaʻa no ka mahina a me nā pule. He pono i ka ia, a ia ia hoʻi, i kēia manawa oe e i manawa e hele aku nana, a hele hoʻi ma hope o ka papa kuhikuhiE "maluhia" palapala. Inā i ka manawa i hiki mai ai i restructure i ka lapaʻau a me ka elemakule tehtalon henua pololei no kekahi mahina eono, laila pereprohodit ia mea,ʻaʻole e pono, e mea hiki ke hoopuka aku i ka kulekele i mea e ai ai. A ina ua ho'ōla pānaʻi ai oe i ka hou kaʻa, i ka balota nana oe e ole e pono ai, no ka mea, oe, e lawe wale nō wahi ma hope o nā makahikiʻekolu.

Aie i ka nui mahalo o ke kulekele, kekahi kaʻa mea makemake e hooponopono ia kakahiaka ma luna o nā kumukūʻai o "kahiko". Akā, ka mea hiki ke insure i ke kaʻa mua, i ike ole a pau. Hohola aku i ka ho'ōia o MTPL kulekele i ole e mua ma mua o kekahi mahina ma mua o i kona pau. No laila, ka poe motorists poe i ka ho'ōia o ka muli o lapaʻau pilikino E pili make i loko o kakahiaka May, hiki theoretically hoola i ka uuku, o ka papa, ina e koho koke i ka lā o ke dute hooulu.

Me CASCO kulana home 'ole mea iʻoi - ina oe e ano hou ana i kekahi kulekele, ka mea hiki ke hana i mua o nā pule ma mua o ka pauʻana o ka mea mua kekahi. A ina oe e ana i ka hou a makemake e hoʻololi i ka lapaʻau poe, i ka mooolelo mea koke, a pau no ka lā. Naʻe, ke kulekele "me ka hunāhunā" hiki ke hoopuka ia ma kekahi poʻe. Kēia 'o ia hoʻi i ka lapaʻau aelike kaha kai e e wahahee i kona ho'ōia wā hoomaka mai ka la aku o ka hele i ka hou-nana o ke kaa, i ka lā o ka i ua häʻawi mai ai i ka lā mua o ka lā palena pau ka lā o ka lapaʻau. Save, paha, e hiki ia, akā, ma ka hopena o ka pōpilikia e max ia ke Kuikahi i ole.

O ka holo ana, ia mea pono e holo me ka hana 'ia, no ka mea, pehea la oe i ike ai paha i ke kaʻa mea he paʻakikī hoʻopaʻa waiwai. Eia naʻe, he piha hoʻokahi hōkeoʻikepili o ka lapaʻau poe hakuʻole, he mea wale nō SARʻikepili, ma ka pane hiki ke loaa ma ka ike ana i ka helu o ke kulekele. Inā 'oe i ike i ka pane e i e imi' ana mai o ka i komo o ka ulia, i kekahi manawa ka hana nani wale pehea pilikia.