Deductible kana yokuzvidira inishuwarenzi, ayo zvaanowana

Inishuwarenzi chinokosha upenyu ose cheeloveka evanhu vemazuva ano. Tinoedza sezvo mari yakawanda, unogona inishuwarenzi zvinhu, upenyu hwake uye vadiwa. Inishuwarenzi inogona zvairayirwa uye nokuzvidira.

Munhu wese, kokutanga kungori nyaya, pakarepo pave nemibvunzo yakawanda: iyo kambani zvakanakisisa kushandisa? Kworudzii inishuwarenzi here kusarudza? For yakareba sei? Kuti kusarudza zvakanaka pachavo, vanofanira kuwana pane kwokutanga pfungwa chii chinoumba chokumbofanobata hurongwa, sei akunoita uye chii zvakanakira kushandiswa kwayo.

Pfungwa inishuwarenzi iri zvakabatana chaizvo pamwe rokuti, sezvinoita kodzero, rinova chikamu kuvadza insured ndiro non-refundable nokuda kambani yacho inishuwarenzi kana kuti chiitiko insured. Insured nokuzvidira anosanangura inishuwarenzi ane deductible kana pasina izvozvo, uye anosarudza pakukura uye zvakasiyana-siyana. Deductible mari anogona kuiswa munzvimbo chaiyo chimiro, kana somunhu chikamu yose Verengai insured.

In tsika, pane deductible pamusoro kusiko uye zvinodiwa. Yokupedzisira anopa nokuda kwokuripirwa mari kambani yacho inishuwarenzi chete kana kukuvara kunopfuura pakapera kondirakiti rweinishuwarenzi uwandu. Somuenzaniso, iwe kusarudza inishuwarenzi motokari zana chiuru, uye akasarudza Zvimiso kodzero iri uwandu zviuru 20 rubles. Kana mune nyaya kukuvara mutsaona motokari akaita richava shoma pane unotaurwa mari, i.e. zvishoma deductible, muripo inishuwarenzi haangavi kuitwa.

inishuwarenzi Deductible ari chikamu zvakakanganiswa somugumisiro chiitiko insured, irege reimbursed kubudikidza kambani-insurer. Somuenzaniso, iwe inishuwarenzi motokari yako 100 zviuru rubles, vakasanangurwa chimiro isiyo kodzero pamwero zviuru 20 rubles. Mune chiitiko petsaona mu uwandu anosvika zviuru 20 rubles, mari muripo haazogumburwi. Kana chitsama zvaparadzwa Somuenzaniso, 21 zviuru rubles, kambani yacho inishuwarenzi kuzvitenga iwe uwandu 1 zviuru rubles. deductible anoita, sezvo mutemo, zvisinei uwandu kukuvadza.

Pakutanga, negadziriro vachibhadhara angaita netsa chaizvo. Kutaura zvazviri deductible anopa vatyairi nokungwarira kazhinji muwisira duku mugwagwa chiitiko, mumwe mukana wakanaka rokuponesa pamusoro kutenga inishuwarenzi. Kodzero kunobatsira kwete chete kune insurer, asi boka racho inishuwarenzi, nokuti anobvumira kuti kuderedza zhinji anodawo mari nokuda kuderera kwenhamba dzinokwidzwa.

Zvechokwadi, munhu wose anosarudza chii mhando kusarudza. Unconditional kodzero nani ruzivo vatyairi vane shoma dzokutyaira ruzivo, nekuti maererano nenhamba, kazhinji anowira zvishoma yetsaona.

Zvinofanira kucherechedzwa kuti kodzero inishuwarenzi kuti asina mukurumbira zvikuru munyika yedu, nekuti vanhu vakawanda vanongoita havanzwisisi zvinoreva shoko rokuti, uye zvose zvakanakira kushandiswa kwayo. Mukuwedzera, vokuRussia Zvakaoma kuuya mashoko nepfungwa yokuti dzimwe nguva, kunyange mari yacho shoma, vachafanira kugadzirisa motokari achizvibhadharira zvaanoda. In dzimwe nyika deductible inishuwarenzi, nekusiyana, kuti kuchikosha, nokuti anobvumira kuti yekudyidzana kuzoponesa bhajeti uye vaine mamiriro vanonzi rotonhorera-kunyange mutengi, kunyange chiitiko ane tsaona zviduku.