Yuav ua li cas yog kev tuav pov hwm thiab yog vim li cas koj xav tau nws

Yuav ua li cas yog kev tuav pov hwm? Nws yuav zoo li uas cov nqe lus MTPL thiab Casco paub yuav luag tag nrho cov neeg tsav tsheb, tab sis tsis yog txhua tus to taub meej meej li cas lawv zoo li. Yuav ua li cas yog lub nkoj thiab CTP, thiab hais tias lawv muaj xws li, ntawm chav kawm, koj muaj peev xwm nug koj tus kev tuav pov hwm cov tuam txhab, muaj yog ua txhua yam los mus piav qhia txhua yam, tab sis ib tug ncauj lus kom ntxaws kev soj ntsuam ntawm no qhov teeb meem yog ua tau, tsis muaj resorting tshwj xeeb.

CTP (yuav tsum tuav pov hwm ntawm lub cev muaj zog pawg neeg thib peb lav) - ib hom ntawm yuav tsum muaj ntawv kho mob, uas yog cov los yog siab tiv thaiv cov tsav tsheb los ntawm cov kev puas tsuaj rau lwm tus neeg koom ntawm qhov kev huam yuaj yog hais tias nws tshwm sim los ntawm nws txhaum. CTP kev tuav pov hwm txoj cai yog nyob rau hauv daim ntawv teev cov yuav tsum tau ua ntawv thov rau cov ntaub ntawv, yog li ntawd tsis tsis tau tau tsis tau nws. Yog tsis muaj cov ntaub ntawv no yuav tsis txawm yuav mus txog ntawm lub salon mus rau lub chav nres tsheb, li ntawd, nws yog zoo dua rau qhov teeb meem txoj cai tam sim ntawd thaum yuav ib lub tsheb.

Thov tsum paub hais tias lub tuav pov hwm undertakes them tus sum ntawm innocent neeg koom ntawm qhov kev huam yuaj, tab sis tsis yog txhua txhua, thiab nyob rau hauv cov kev txwv ntawm lawv lub luag hauj lwm. Qhov siab tshaj plaws nqi ntawm kev tuav pov hwm pab them nqi yog qhia nyob rau hauv txoj cai daim ntawv. Nyob rau hauv tam sim no txoj cai, qhov no muaj nqi 120 txhiab rubles, nyob rau hauv cov ntaub ntawv ntawm kev puas tsuaj rau vaj tse ntawm tus neeg, thiab rau 160 txhiab, yog tias qhov kev puas tsuaj rau vaj tse twb tshwm sim los ntawm ib tug ob peb cov neeg. Qhov no yog lub siab tshaj plaws them nyiaj tawm mus rau txhua tus neeg raug mob, noj qab haus huv thiab lub neej uas tau raug puas. Nws yog tam sim no kom meej tias qhov no CTP.

Thiab nyiam - kuj zoo ntawm kev tuav pov hwm, uas siv rau tag nrho cov tsheb, xws li lub tsheb. Nyob rau hauv cov ntaub ntawv lub sij hawm "hull" yog feem ntau siv nrog lawv. Yog li ntawd, dab tsi yog kev tuav pov hwm? Tsis txhob xav tias hais tias qhov no hom ntawm kev tuav pov hwm yuav tiv thaiv lub tsheb los ntawm tej misfortunes - nws tsis yog li ntawd, li cas los xij, muaj coob tus txaus ntshai yuav dhau mus rau lub chaw evsaslas lub lub xub pwg nyom.

Casco tiav los sis tsis tiav. Tsis tas li ntawd, insurance lug siv franchise extenders nqi ntawm txoj cai, tab sis kuj zais tej kev phom sij rau lub pov hwm, uas yuav tsum tau los sib tham li hauv qab no.

Yuav ua li cas yog tag nrho thiab ib nrab kev tuav pov hwm? Yuav ua li cas lawv txawv?

Tag nrho cov cai muaj xws li kev tuav pov hwm txaus ntshai xws li ua tub sab, sib tsoo, ua rau lub tsheb puas, tub sab tub nyiag ntawm ib co ntawm nws qhov chaw, natural disasters, ntog yam khoom nyob rau hauv lub tsheb, raws li zoo li ib co lwm yam teeb meem. Ib nrab hull kev tuav pov hwm tsuas implies ib co txaus ntshai, rau piv txwv, muaj ntau cov kev cai tsis muaj xws li tub sab tub nyiag los yog kev puas tsuaj rau lub tsheb raws li ib tug tshwm sim ntawm tej yam ntuj tso qeeg thiab huab cua, yog li ntawd koj yuav tsum nyeem cov kev tuav pov hwm cov ntsiab lus thiab tej yam kev mob heev kom zoo zoo.

Franchise - lwm point uas yuav tsum tau muab sau tseg nyob rau hauv daim ntawv cog lus. Nws nruab nrab yog ib qhov nqi, thiab yog hais tias qhov kev puas tsuaj rau lub tsheb, xam pom tias nws yuav muaj nqis tsawg tshaj li tus franchise, lub tuav pov hwm them nws tus kheej. Cov nyiaj no yuav tsum tsau los yog yuav ntawm ib tug proportional npaum li cas.

Muaj 2 hom franchises: zwj ceeb thiab unconditional. Thaum pa tuav pov hwm siab txhawb rau kev puas tsuaj tshaj kwv yees li lub franchise, thiab nrog tsis - tsuas yog qhov txawv nruab nrab ntawm tus monetary sib npaug ntawm kev puas tsuaj thiab cov franchise. Uas yog, yog tias qhov kev puas tsuaj yog kwv yees li ntawm 1000 rubles, thiab ib tug nyob ntawm franchise yog 700, lub tuav pov hwm lub tuam txhab compensates rau xwb 300, thiab yog hais tias lub franchise yuav unconditional, lub tsav tsheb yuav tsis muaj mus rau tim cov nqi ntawm tag nrho cov, cov tuav pov hwm yuav tau them tag nrho cov 1000.

Yog li ntawd tam sim no, nws yog tseeb hais tias xws li ib tug hull. Txawm li cas los, cov ntsiab lus ntawm no hom ntawm kev tuav pov hwm los ntawm ntau tuam txhab uas muag yuav txawv heev, yog li ntawd txog tej ruam tag lub sij hawm yuav tsum tau nug cov lus nug rau tus neeg saib xyuas.