How kudzorera dhisikaundi pamusoro CTP: danho nedanho gwaro

Panguva ino mumigwagwa munyika yedu pane akawandisa tsaona chokuita motokari. Kuti vazvidzivirire sezvineiwo pakuparwa tsaona, mutyairi zvakakodzera ngaateme inishuwarenzi itsika.

Gore negore vakawanda vatyairi vachishamisika sei kudzorera dhisikaundi musi CTP. Izvi imhaka yokuti kuwedzera motokari kuita inishuwarenzi mitemo mutengo rinowanikwa pasina kufungisisa discounts. Chinhu mamiriro ezvinhu akanaka zvakaipa, kunyanya kana mutyairi wacho huru kuramba dambudziko isina ruzivo uye kukura dhisikaundi kusvika 50 muzana.

. The combustion of akaunganidza bonuses anogona Zvisinei sokuti tariro mamiriro ezvinhu, pane nzira dzakawanda naro unogona akadzosazve MSC (coefficient kuti bhonasi-Malus). On ichi nezvimwe zvinhu zvizhinji kuudza munyaya ino.

Sei MSC anogona dzaona kururama?

Tisati tataura pamusoro sei kudzorera dhisikaundi musi CTP (Rosgosstrakh kupa kuti vatengi vavo), unofanira kutanga kunzwisisa pfungwa zvikonzero yakafanira uko mwero inishuwarenzi inogona dzaona nepasipo. Izvi zvichaita yekudyidzana nyore chirongwa kupora uye dhisikaundi achaponesa nguva yakawanda.

ruzivo pamusoro ruzivo rapfuura inishuwarenzi uye guta-kunochengetwa rakabatana yemagetsi Database pamusoro ais, riri pasi chepasi pasi SAR. Kana kuchinja dzinoitwa zvikanganiso akasiyana kunogona vakabvuma kuti Database uye kunatsurudza yakananga mutyairi Data kuti achaita zvisiri dzaona dhisikaundi pamusoro inishuwarenzi motokari.

Uyezve, pane zvakawanda zvimwe zvikonzero achidzikisa MSC, ramakagadzwa Zvinonyanyozivikanwa:

1. Replacement rokutyaira kana mashoko pamusoro munhu.
2. The insurer haina achipfuura ruzivo pamusoro mutyairi muna SAR.
3. Zvikanganiso akaita apo ichizadza kubva yeinishuwarenzi mumiririri itsika.
4. Kuchinja chirongwa inishuwarenzi.
5. Kukanganisa isina zvinetso ruzivo.
6. Mvumo kutarisira vatyairi motokari dzakawanda.

Pasinei chikonzero combustion rweinishuwarenzi pfungwa, mutyairi ose anogona kudzorera overpayment pakati CTP nokudzosa kupa imwe nzira dzakawanda, idzo dzichakurukurwa zvishoma mberi, asi iye zvino vanofanira kufunga ose chikonzero zvizere.

Replacement rokutyaira kana pachavo mashoko

Mumwe kazhinji mibvunzo kwavatariri dzakawanda: "How kudzorera dhisikaundi MTPL pashure kutsiva mutemo" uye izvozvo hazvishamisi, nokuti zvose muchairi kanenge kamwe muupenyu zvakachinja hwake chitupa chokutyaira. gwaro Mumwe ari basa rakasiyana nemamwe nhamba, izvo unoda kuita chimwe zvemagetsi Database. Kana izvi hazvina kuitwa nhoroondo inishuwarenzi ravira kusvikira zero, uye hapana dhisikaundi kana waita mutemo usingakubvumiri kuwana. Izvi zvinoshandawo shanduko zita.

The insurer haisi mumaoko PCA zvakakodzera yeGmail.END_STRONG ruzivo

Vashandi makambani inishuwarenzi - ndivo vanhu sezvakangoita neni, saka nemhaka kuregeredza kwavo, hanya, kana zvimwe munhu zvinhu haagoni kwokupa umboo kuti ais of insured. mamiriro ezvinhu akadaro ingamuka kana liquidation wekambani yacho inishuwarenzi. Kuti mashoko sei kuti adzorere dhisikaundi pamusoro CTP (Rosgosstrakh rinopa vatengi zvayo mukana), izvozvo ichakurukurwa pashure.

Zvisiri akapedza inishuwarenzi

Kunyange kuchangotanga chikanganiso chakaitwa kana kuzadza kubva chibvumirano yeinishuwarenzi, zvingaita kuti kudzoka MSC kusvika nechepasi ukoshi. Izvi imhaka yokuti kana ndonda Data dziri mutemo, vakabva achawira uye muna ais, zvichiita mutyairi kuti kuonekwa yakasiyana zvachose munhu.

Kubvuma nokushanda motokari kubudikidza akawanda vanhu

Izvi zviri kunyanya yemakambani chokufambisa, iro rinoshandiswa vashandi vanoverengeka kambani. Panyaya iyi, magadzirirwo mitemo CTP ichakurukurwa zviduku divi MSC.

Kuchinja chirongwa inishuwarenzi kana chidzivaidzo ane dambudziko isina nguva

Kana mutyairi rimwe azere gore haana kupinda tsaona dzemotokari, Akaraira inishuwarenzi huru kungotaurwa dhisikaundi apo nokuvandudzwa mutemo. Kana chirongwa inishuwarenzi rakachinjwa kana mutyairi usingatangi kugara seri vhiri mumotokari kuti gore kupfuura rimwe, vose akazviunganidzira balls apise uye MSC riri Reset. How kudzorera discounts pamusoro inishuwarenzi CTP iyi? Zvinosuruvarisa, kwete.

Kana kuti adzorere inishuwarenzi zvibozwa?

The dhisikaundi chitsama anoenderana zvinhu zvizhinji, ramakagadzwa huru dziri dzaparadzwa panguva kufambisa uye uwandu tsaona chokuita mutyairi. Kana muridzi motokari awana dzose mutsaona, zvino kana iwe kuti simbiso nayo rinowanikwa nhamba 2.45. It anotevera kubva ichi kuti kubhadhara inishuwarenzi pamusoro motokari yake, iye achava dzinenge 2,5 nguva kupfuura avhareji mutyairi.

Kana muchairi vachengete nokukurumidza zvatinorambidzwa uye motokari nemirau, uye asingadi kuwana mutsaona, ipapo pamusoro nguva rinogona kuunganidza inishuwarenzi pfungwa kuti achawana anenge 50 muzana dhisikaundi pamusoro inishuwarenzi.

Saka, mubvunzo sei kudzorera dhisikaundi musi CTP muna Rosgosstrakh rinoshanda zvikuru nhasi, sezvo MSC anogona yekudyidzana tichengetedze avtograzhdanki. Uyezve, kana ari insurer miscalculated mwero kwaainge policies, ipapo kupora pfungwa mutyairi achagamuchira kuripwa.

The chikuru nzira kupora KBM

Saka, unofanira kuuya kambani yacho inishuwarenzi kuti kuwedzera mutemo uye vakawana kuti wakakwira. Zvokuita iyi, uye sei kuti agadzirise dhisikaundi pamusoro CTP? Ecc anopa nemakasitoma ayo rubatsiro, mamwe makambani inishuwarenzi - uyewo. Chinhu chokutanga kuita akadzikama pasi, nokuti hapana chakaipa kuti.

Dzokera rapfuura dhisikaundi zvinogona kuitwa ne:

• kushandisa kuna IC;
• Treatment pamwe CBR;
• richiswedera zvichemo PCA.

Imwe neimwe nzira ine zvimwe nuances, saka zvinokosha kuti kutsanangura nomumwe wavo.

Kugadzirisa dambudziko ne insurer

Vatyairi vakawanda vanofarira mubvunzo: "sei ndiporese dhisikaundi musi CTP zvichitevera pokutonga shanduko?" The nyore uye uchitsanya nzira dzingafarirwa insurer wako. Current mitemo inoda makambani inishuwarenzi kukurira kunyunyuta zvose uye nyaya ine nemakasitoma chokuita CTP.

Panyaya iyi, pamusoro Websites zhinji UK kunyange ane chikamu chinokosha apo unogona ikwidzwe kunyunyuta online. Kuumba vanofanira batanidza Scan makopi rapfuura mutemo kana chitupa, certifying kusavapo inishuwarenzi anozviti ane yeGmail.END_STRONG nekanzuru insurer. Kana pasina mukana wokushandisa indaneti, unogona kunyora mashoko ari kunyora uye ugozvitumira kubudikidza vakanyoresa tsamba kukero wekambani chaiko. Application inofanira pasi mu nouya uye zvakabatanidzwa nayo makopi magwaro ambotaurwa pamusoro.

Munyori achava ku nyoresa chikumbiro rinokosha remazita, uye mumwe mashoko kuzomisa kunyoresa nhamba uye chisimbiso, uye ipapo akatumirwa mutengi. Maererano nomutemo Russian, kambani yacho inishuwarenzi ane mazuva 10, panguva iyo inofanira kumisa dambudziko MSC combustion uye kugadzirisa dambudziko. How kudzorera dhisikaundi pamusoro CTP, kana gore dzapfuura, zvamunokumbira? Zvinosuruvarisa iyi asingagoveri nokuti kuzoita MSC.

Zvakadini kana kambani yacho inishuwarenzi yave chapedzwa?

Kana insurer vaunotarisira vakaita yeinishuwarenzi gwara, asisiri inoshanda, zvinokwanisika kudzosa MSC Via CBR kana SAR. On murayiro kurapwa uye pasi zvinyorwa kudare, uchadzidza mberi.

Kushandisa kuna Central Bank

How kudzorera dhisikaundi musi CTP kuburikidza Central Bank of Russian Federation? Very nyore, asi zvinokosha kufunga kuti dare anofunga chete zvichemo vomuUmambo uyo kudare kuti CTP vapedza kuita kwavo haasi kupfuura rimwe gore rakapera.

Kudzorera MSC vanofanira kuenda paIndaneti negashiro Central Bank uye kuzadza panze paIndaneti fomu yose anodiwa mashoko uye kunyatsovatsanangurira ari chikonzero "Wrong kukarukureta yacho MSC." Kuumba achaita kuda batanidza Scan makopi rapfuura nomutemo kana gwaro achisimbisa kusavapo vachibhadhara inishuwarenzi. Nzira iyi zviri nyore chaizvo nokuti mutyairi vachaudzwa pamusoro mamiriro chikumbiro chake neindaneti. Central Bank kusarudza nguva inogona kutora mazuva 30, umo vamiririri kuongorora kushanda mashoko inopiwa mutyairi, kuti asimbise mhaka dambudziko uye kuita chisarudzo chokupedzisira.

Zvino munoziva kuti vadzorere dhisikaundi musi CTP. Alfa Insurance uye Central Bank of Russian Federation kubatsira kugadzirisa dambudziko mumwe uye ichocho. Kana pakarepo, nokuti chero chikonzero, kuteterera kuti dare haana kuuya chero mhinduro, unofanira chichemo kune SAR, inova simba kupfuura kushandisa kugadzirisa dambudziko iri.

Kubata PCA

RSA ndomumwe masangano zvikuru munyika yose inishuwarenzi motokari. Haikwanise chete kuva kumanikidza kuchikosha pamusoro UK, asi zvakavatorera ari rezinesi, anotya mumwe insurer. Naizvozvo, kana kureva kunongoitwa zita chiitiko ichi upi insurer vachatsvaka nemitoo yose kugadzirisa dambudziko racho nemhosva yacho. Zvinofanira kucherechedzwa kuti PCA anekodzero chero kuchinja kuti kuroorwa yemagetsi Database, sezvo iri mutoro makambani ari inishuwarenzi.

Saka, sei rokudzorera discounts nokuda MTPL muna SAR? On pamutemo paIndaneti roruvanze akapa mirayiridzo hwakadzama pamusoro kudzorera murayiro discounts pamusoro kuita inishuwarenzi mitemo chokushandisa. Ikoko unogona kuwana application chimiro uye kutaura mazano.

Kudzorera MSC kuburikidza bhuroka inishuwarenzi

nzira iyi kuzoita yakawanda inishuwarenzi haisi zvakanakisisa, asi haagoni vacharairwa chose. Vatyairi vanosarudza kudzivisa makambani aya nokuti mhosva vachibhadharisa pakuchinja urongwa mabasa avo. Zvisinei, vanoshanda nokukurumidza uye achagona kukubatsira ndiporese dhisikaundi musi CTP kuti 1 zuva. Kunze achava chete nyaya kana wanga kare apinda mutsaona yomumugwagwa, dzawakanga mhosva pachavo.

Kwidza nyaya nevaichinja inishuwarenzi uchapembedzwa kana hauna nguva yokuita kuzvida kupora KBM avtograzhdanki, uye akaunganidza pfungwa anopa chakakurisa dhisikaundi. Zvikasadaro, iwe uchava mari mabasa kambani vari zvinopfuura kuponesa mari iri inishuwarenzi.

Kudzorera MSC Indaneti

Mazuva ano, kuburikidza Internet inogona kugadzirisa akasiyana-siyana mibvunzo, saka vatyairi vakawanda vanofarira mubvunzo sei kudzorera dhisikaundi musi CTP, pasina kusiya musha wako.

The World Wide Web, unogona kuwana akasiyana-siyana mabasa online, ramakagadzwa pane zvose abhadhara uye vakasununguka, kunoita kuti nokukurumidza uye nyore nyore vadzorere MSC. All kuti unofanira - ndiko kuti kuzadza fomu rinokosha uye kuisa Scan makopi zvaida magwaro. Zvisinei, zviri anoteerera chaizvo kusarudza, nekuti mumakore achangopfuura kwave vakarambana vazhinji cybercriminals.

Chii zvinyorwa zvinodiwa kuti vadzorere MSC?

Kuti kudzorera zvavaida dhisikaundi pamusoro inishuwarenzi, mumwe zvakakodzera makore akawanda tsaona isina motokari, unofanira kuzviisa zvimwe zvinyorwa. Anokosha aya ndiwo policies inishuwarenzi gore rapera. Kana iwe hameno haagoni kuwana kwavari, ipapo vanofanira kureva insurer uye kumukumbira kuti pasi gwaro vachiratidza kusava inishuwarenzi anoti.

Naizvozvo, dzimwe nguva, munhu insurer angakubvunza kuti rugwaro kubva yomumugwagwa mapurisa ari kusavapo mhosva, anofanira kuzvigamuchira pachine kuti apore muitiro kwakaitika nokukurumidza. Zvisinei, pane imwe diki caveat. The ndechokuti motokari isina kunodiwa kuti rubatsiro rwakadaro, saka zvose zvinoenderana nomutemo vatevedzere kuvimbika.

Musava chakaipa kuti screenshots of PCA Website uyewo makopi michina pasipoti yacho motokari, mutyairi chokutyaira uye gwaro unopfuura kuongorora. Magwaro aya anogona kurumidzei zvikuru uye nyore chirongwa pokukurukura chikumbiro.

mhedziso

Saka, zvino munoziva kuti vadzorere dhisikaundi musi CTP. Munyaya ino, zvose nzira matambudziko akanga achikurudzirawo inishuwarenzi motokari iripo nhasi. Sezvo tsika inoratidza kazhinji painoguma pamusoro nyaya kambani inishuwarenzi. Pashure pezvose, pasinei nokuti insurers havadi kugamuchira mafomu kubva makasitoma ayo, zvisinei, kubhadhara faindi guru kana kurasikirwa marezinesi avo hapana anoda. Zvisinei, kana pakarepo, nokuti chero kwezvikonzero, muUK haana kukwanisa kugadzirisa dambudziko zvisiri pakuverenga nhamba, unogona nguva dzose kufadza pemasimba epamusoro.