Auto insurance: sau npe, xam

2024 Tus sau: Howard Calhoun | [email protected]. Kawg hloov kho: 2023-12-17 10:28

Kev yuav tsheb yog nrog ntau cov txheej txheem uas yuav tsum tau ua. Cov no suav nrog qhov xaus ntawm daim ntawv cog lus ntawm kev muag khoom (kev pub dawb, khoom qub txeeg qub teg, thiab lwm yam), thiab kev tso cai ntawm kev saib xyuas, thiab kev tuav pov hwm tsheb, thiab kev sau npe nrog MREO tub ceev xwm. Ntxiv mus, koj yuav tsum tau mus dhau tag nrho cov no raws nraim qhov kev txiav txim tau teev tseg, txwv tsis pub nyob rau theem tom ntej koj yuav raug xa mus rau cov khoom ploj.

Cia peb mus saib seb qhov kev tuav pov hwm lub cev muaj zog yog dab tsi thiab txhua yam txuas nrog nws.

Cov cai tswj hwm

kev tuav pov hwm tsheb yog qhov yuav tsum tau ua hauv peb lub tebchaws. Daim ntawv pov hwm yuav tsum tau txais rau txhua hom tsheb. Qhov tsuas yog qhov tshwj xeeb yog cov tsheb uas, vim muaj cov yam ntxwv ntawm kev ua haujlwm, tsis txhob txav ntawm qhov nrawm tshaj 20 km / h, koom nrog Ministry of Defense ntawm Lavxias Federation, lossis tsis raug tso cai ua haujlwm txhua.

Yog tias tsim nyog, koj tuaj yeem lav lub tsheb hauv lwm cheeb tsam, uas yog, tsis nyob ntawm qhov chaw sau npe. Nyob rau hauv cov ntaub ntawv no, nws yog advisable mus xaiv ib lub tuam txhab los yog tus neeg sawv cev chaw ua hauj lwm nyob rau hauv lub cheeb tsam uas kojyuav siv lub tsheb tsis tu ncua nyob rau hauv lub xyoo tom ntej (los yog lwm lub sij hawm ntawm validity ntawm txoj cai).

Tsis muaj ntawv pov hwm hauv thawj 10 hnub tom qab qhov xaus ntawm daim ntawv cog lus muag tsis hem, hauv paus ntsiab lus, nrog lwm yam tsis yog kev ceeb toom los ntawm tub ceev xwm tsheb, vim 10 hnub no yog lub sijhawm kom tau txais tag nrho cov ntaub ntawv tsim nyog. Tab sis txij li kev tuav pov hwm tsheb yog qhov yuav tsum tau ua, koj tuaj yeem tau txais kev nplua rau kev tsis ua raws li cov cai thaum nres los ntawm tub ceev xwm. Nws yuav raug nqi 800 rubles. Thiab yog li ntawd nws yuav txuas ntxiv mus txog thaum cov ntawv pov hwm tau tshaj tawm.

Kuv tuaj yeem lav kuv lub tsheb nyob qhov twg?

Kev tuav pov hwm Auto yog tawm ntawm ceg ntawm txhua lub tuam txhab tshwj xeeb uas koom nrog hom haujlwm no. Tam sim no muaj ntau lub koom haum zoo li no, tab sis nws yog qhov zoo dua los xaiv cov neeg paub zoo thiab muaj pov thawj kom thaum muaj kev pov hwm tshwm sim, koj yuav tsis raug tso tseg yam tsis muaj dab tsi. Cov nto moo tshaj plaws ntawm lawv yog: Rosgosstrakh, Ingosstrakh, Intouch, Renaissance, thiab lwm yam.

Cov ntaub ntawv xav tau dab tsi

Kev tuav pov hwm Auto yog muab tso rau hauv ib qho kev pab cuam. Lub tuam txhab pov hwm xaiv xaiv yuav tsum muaj cov ntaub ntawv hauv qab no:

1. Passport ntawm ib tug pej xeem ntawm Lavxias teb sab Federation.
2. daim ntawv tsav tsheb.
3. PTS.
4. Daim npav kuaj mob nrog cov ntaub ntawv tshuaj xyuas siv tau.
5. Kev cog lus muag (nyiaj pub dawb, thiab lwm yam).
6. Power of Attorney (yog tias koj them nqi tsheb tsis sau npe rau koj).

Insurance Options

kev tuav pov hwm tsheb muaj nyob hauv 2 versions: OSAGO thiab CASCO. Thaum yuav ib lub tsheb (tshiab) los ntawm lub tuam txhab tsheb, kev tuav pov hwm yog muab tso rau hauv daim ntawv ntawm CASCO yam tsis tau poob. Ntawm lub tsheb siv, koj tuaj yeem muab OSAGO lossis CASCO xaiv los ntawm.

Tib lub sijhawm, CASCO txoj cai muaj ntau yam, uas yog hu ua txawv ntawm cov tuam txhab sib txawv. Piv txwv li, mini-CASCO - kev tiv thaiv tsuas yog los ntawm kev sib tsoo, them ib feem ntawm tus nqi, thiab qhov seem yog them ntxiv yog tias muaj kev pov hwm tshwm sim.

OSAGO insurance

Qhov kev xaiv pov hwm yooj yim thiab pheej yig tshaj. OSAGO tiv thaiv lub tsheb tsuas yog thaum muaj xwm txheej (OSAGO tsis tiv thaiv tub sab nyiag, kev puas tsuaj, thiab lwm yam, cuam tshuam rau ntau yam kev xav, thiab tus tuav pov hwm yuav tsis them dab tsi rau koj).

Tam sim no ntawm txhua lub ces kaum koj tuaj yeem pom cov ntawv sau "OSAGO auto insurance". Rosgosstrakh thiab lwm lub tuam txhab paub zoo uas tau ua haujlwm ntawm kev ua lag luam tau ntev, nrog rau cov kws lij choj coob, tsis pom zoo hu rau cov chaw haujlwm me me. Nws yog qhov zoo dua los rho tawm txoj cai pov hwm kim dua, tab sis qhov twg koj yuav tau txais koj cov nyiaj tiag tiag.

CASCO insurance

CASCO yog hom kev tuav pov hwm uas tiv thaiv tub sab nyiag lossis kev puas tsuaj, muab kev lav phib xaub ntawm lub tuam txhab pov hwm thaum muaj tub sab nyiag lossis kev puas tsuaj rau lub tsheb thiab them nyiaj poob.

Cov xwm txheej pov hwm uas CASCO siv tau:

• Kev sib tsoo nrog lwm lub tsheb.
• Khiav rau yam khoom thiab tsiaj.
• Tsheb hla dhau vim kev sib tsoo.
• Kev puas tsuaj rau lub tsheb los ntawm cov khoom poob rau ntawm nws, suav nrog ntoo, ceg ntoo, daus lossis dej khov thaum lub caij ntuj no, thiab cov khoom thauj thaum thauj khoom thiab thauj khoomua haujlwm.
• Kev tshem tawm cov khoom tawm hauv qab lub log ntawm lwm lub tsheb txav ntawm koj li, ua rau muaj kev puas tsuaj rau cov khoom ntawm lub tsheb lossis kev sib tsoo.
• Kev nqhis dej vim dej nyab, kev tsis ua haujlwm, kev nkag mus rau hauv dej lossis dej khov.
• Hluav taws, tawg.
• Kev txhob txwm lossis tsis txhob txwm ua kev puas tsuaj lossis kev puas tsuaj ntawm lub tsheb, tub sab los ntawm peb tog.

CASCO auto insurance tsis them rau cov xwm txheej hauv qab no:

• Kev puas tsuaj rau lub tsheb thaum tsav tsheb los ntawm tus thib peb (tsis muaj daim ntawv tso cai, tsis suav nrog hauv txoj cai, thaum qaug cawv).
• Kev quav cawv.
• Kev puas tsuaj rau cov rims, pleev xim, thiab lwm yam. (tsuas yog nws tsis cuam tshuam rau lwm yam tsheb).
• Tshem lub log lossis daim ntawv tsav tsheb (yog tias lawv raug nyiag yam tsis ua rau lub tsheb puas).
• Tsab tub sab ntawm lub tsheb xov tooj cua (muab tias lub xov tooj cua tau tso rau hauv lub tsheb).

Tus nqi ntawm kev tuav pov hwm txoj cai

Tus nqi ntawm kev tuav pov hwm nyob ntawm ntau yam:

• Tsheb fais fab hauv l/s.
• Hnub nyoog thiab kev tsav tsheb ntawm tus tswv lub tsheb (rau cov neeg muaj hnub nyoog 21 xyoos thiab nrog ntau tshaj 3 xyoos ntawm kev tsav tsheb, kev pov hwm yog pheej yig dua rau cov neeg muaj hnub nyoog 20 xyoo nrog 1 xyoos ntawm kev tsav tsheb).
• Ntau tus tsav tsheb (ntawm no tsim nyog txiav txim siab tias kev tuav pov hwm yam tsis muaj kev txwv yuav pheej yig dua ntxiv 3 tus neeg rau txoj cai).
• Thaj av ntawm kev tuav pov hwm (hauv cheeb tsam hauv nruab nrab nws feem ntau raug nqi ntau dua hauv ntau duanyob deb).
• tsav tsheb tsis muaj tsheb sib tsoo (yog tias koj tsis tau txais kev sib tsoo tag nrho, ces koj txoj cai yuav raug nqi tsawg dua cov uas pheej koom nrog kev sib tsoo los ntawm lawv tus kheej lossis tsis muaj kev txhaum ntawm lawv tus kheej).
• Seasonality (thov ib los yog 2 lub caij, thiab rov ua dua tshiab yuav kim dua li thov ib xyoos ib zaug).

Koj tuaj yeem suav tus nqi pov hwm siv lub laij lej hauv Is Taws Nem.

Yuav ua li cas them nyiaj puas tsuaj?

Yuav kom tau txais cov nyiaj them poob haujlwm, koj yuav tsum hu rau lub tuam txhab pov hwm uas tau tshaj tawm txoj cai tsis pub dhau 14 hnub tom qab qhov kev pov hwm tshwm sim.

Nyob rau hauv rooj plaub no, 2 qhov xwm txheej tuaj yeem ua tau: kho hauv qhov chaw pabcuam hauv qab kev tuav pov hwm los ntawm tus neeg tuav pov hwm (lub chaw pabcuam thiab lub tuam txhab muaj kev pom zoo ntawm kev pabcuam kho tsheb). Muaj ob qhov zoo thiab tsis zoo ntawm no. Qhov zoo dua yog tias tus tswv tsis tas yuav nrhiav lub khw kho nws tus kheej. Tab sis kev kho yuav ncua sij hawm, lub tsheb yuav tsis rov qab tau ntev, tab sis ua rau nws tseem phem dua. Yog li ntawd, nws yog qhov zoo dua kom tau txais cov nyiaj them poob haujlwm los ntawm lub tuam txhab pov hwm.

Thaum muaj xwm txheej pov hwm tshwm sim, cov ntaub ntawv hauv qab no yuav tsum xa mus rau lub tuam txhab pov hwm:

• Daim ntawv cog lus pov hwm (thawj);
• Daim ntawv tsav tsheb (daim ntawv);
• daim ntawv sau npe tsheb;
• Cov ntaub ntawv los ntawm tub ceev xwm tsheb lossis lwm cov qauv lees paub qhov tseeb ntawm qhov tshwm sim (keeb kwm);
• Original lossis luam ntawm cov txheej txheem ua haujlwm qhia txog cov npe ntawm cov khoom thiab cov khoom uas tau hloov pauv, cov ntaub ntawvthiab tus nqi them rau lawv, thawj daim ntawv xa nyiaj thiab cov ntaub ntawv lees paub qhov tseeb ntawm kev them nyiaj ntawm tag nrho cov saum toj no, yog tias tsim nyog.

Yog tias koj muaj CASCO auto insurance, koj yuav tsum muab cov ntaub ntawv hauv qab no:

• Original invoice them rau tus cab tsheb, yog tias muaj.
• Yog lub tsheb puas lossis dhau kev kho dua vim muaj kev puas tsuaj ntuj tsim, yuav tsum muaj ib daim ntawv pov thawj los ntawm tsoomfwv ib puag ncig.
• Tsis tas li ntawd, lub tuam txhab pov hwm yuav xav tau kev txiav txim siab ncua kev tshawb nrhiav lossis txiav txim txhaum cai, luam daim ntawv foob, nrog rau cov txiaj ntsig ntawm kev kuaj mob, yog tias muaj.