OSAGO kev tuav pov hwm: xav tau cov ntaub ntawv dab tsi? Kev sau npe ntawm OSAGO

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

OSAGO yog dab tsi, txhua tus tswv tsheb paub, vim tsawg kawg ib xyoos ib zaug nws yuav tsum tau hu rau lub tuam txhab pov hwm rau nws rau npe. Txoj cai OSAGO them nyiaj rau cov nqi ntawm tus neeg tsav tsheb thaum muaj xwm txheej tsis zoo ntawm txoj kev, uas yog, kev sib tsoo, yog vim li cas nws tseem ceeb heev uas koj ib txwm muaj OSAGO kev pov hwm nrog koj. Cov ntaub ntawv dab tsi xav tau thiab ntau npaum li cas koj yuav tsum them - cov lus nug no ib txwm muaj feem cuam tshuam. Wb sim saib seb.

Koj yuav tsum thov li cas rau txoj cai?

Ntau tus neeg tsav tsheb xav tias qhov kev pov hwm yav dhau los yuav txaus kom tau txais OSAGO, tab sis qhov no tsis yog. Txhawm rau xaus qhov kev pom zoo ntawm lub tuam txhab pov hwm xaiv thiab cov ntawv pov hwm, yuav tsum muaj ntau cov ntaub ntawv.

Txawm li cas los xij, koj tsis tas yuav sau lawv ntev thiab siv sijhawm zoo rau qhov no, cov neeg tsav tsheb feem ntau ib txwm muaj lawv nrog lawv. Yog li, txhawm rau txiav txim siab qhov kev pom zoo OSAGO, koj yuav tsum muab cov ntaub ntawv keeb kwm hauv qab no.

Cov ntaub ntawv rau lub tsheb

Qhov no feem ntau yog daim ntawv pov thawj tsheb -STS (nws tseem hu ua "daim npav liab"), lossis daim ntawv hla tebchaws tsheb - PTS (feem ntau - "xiav"). Cov ntaub ntawv no qhia txog cov ntaub ntawv ntawm lub tsheb, nrog rau cov ntaub ntawv tseem ceeb ntawm tus tswv - lub npe tag nrho, chaw nyob.

Identity document

Feem ntau qhov no yog daim ntawv hla tebchaws ntawm pej xeem Lavxias - tus tswv ntawm lub tsheb. Yog tias tus tuav txoj cai thiab tus tswv yog cov neeg sib txawv, ces tus tuav ntaub ntawv hla tebchaws tseem yuav tsum tau ua.

daim ntawv tshuaj xyuas tsheb

Tam sim no, ntawm cov chaw ua haujlwm kuaj xyuas lub tsheb, tus tswv tau muab daim npav kuaj mob uas muaj cov ntaub ntawv hais txog lub tsheb, hnub tim ntawm kev tshuaj xyuas tam sim no thiab yav tom ntej. Yuav kom OSAGO kev tuav pov hwm xaus, koj yuav tsum muaj daim npav kuaj mob siv tau. Nws yuav tsum siv tau yam tsawg kawg 24 teev.

Ntau tus neeg tsav tsheb, xav txuag lawv tus kheej cov nyiaj, zam dhau qhov kev tshuaj ntsuam xyuas thiab sim kom muaj sijhawm los tawm OSAGO nrog kev tshuaj xyuas kev siv tau, tab sis lawv tsis nco qab muab qhov tshiab lossis tsis xav tau. Nco ntsoov tias thaum muaj xwm txheej, yog tias cov ntaub ntawv tsis muaj cov ntaub ntawv ntawm kev tshuaj xyuas lub tsheb, lub tuam txhab pov hwm muaj cai tsis kam them koj.

daim ntawv tsav tsheb

Daim ntawv no yuav tsum tau yog tias daim ntawv cog lus OSAGO tau xaus nrog cov npe txwv ntawm cov tsav tsheb. Tsis tas li ntawd, daim ntawv pov thawj ntawm txhua tus neeg tsav tsheb uas yuav suav nrog hauv txoj cai tuav pov hwm yog xav tau. Hauv qhov xwm txheej hnyav, koj tuaj yeem muab cov ntawv luam ntawm lawv. Nws yog ib qho tseem ceeb kom paub tias muaj pes tsawg tus neeg tsav tsheb tsim nyog rautsav tsheb, tsis tuaj yeem tshaj plaub tus neeg. Txwv tsis pub, koj tuaj yeem tshem tawm kev pov hwm yam tsis muaj kev txwv. Unlimited kev pab them nqi tsis xav tau daim ntawv tsav tsheb.

Qee zaum, cov neeg sawv cev ntawm lub tuam txhab pov hwm yuav xav tau daim ntawv cog lus muag lossis lwm yam ntaub ntawv. Tab sis qhov no yog qhov tshwj xeeb tshaj li txoj cai.

Tsuas yog tom qab txhua yam tsim nyog tau npaj, OSAGO kev pov hwm tuaj yeem muab tau. Koj twb paub tias cov ntaub ntawv twg xav tau rau qhov no, yog li yuav tsum tsis muaj teeb meem. Cov lus nug tom ntej uas tshwm sim rau tus tswv lub tsheb: "Yuav npaj nyiaj npaum li cas?"

CTP nqi

Kev zoo siab tsis yog qhov pheej yig tshaj, tab sis tseem yuav tsum tau tshaj tawm txoj cai. Hauv qhov no, kev tsav tsheb yuav nyab xeeb dua. Tom qab tag nrho, txawm tias tus neeg tsav tsheb muaj kev ntseeg siab npaum li cas hauv nws txoj kev tshaj lij, txawm tias nws muaj kev tsav tsheb zoo li cas, cov xwm txheej txawv. Txawm tias ib feeb, thaum lub sij hawm tus neeg tsav tsheb yog distracted, tuaj yeem tig mus rau hauv kev sib tsoo. Yog li ntawd, nws tseem pheej yig dua rau kev tshem tawm txoj cai tshaj li them nyiaj kho lub tsheb puas.

Tus nqi ntawm OSAGO yog qhov sib npaug ntawm tus nqi hauv paus muab faib los ntawm ob peb coefficients. Tus nqi siab tshaj plaws rau cov tib neeg yog 4118 rubles, qhov tsawg kawg nkaus yog 3432. Cov tuam txhab tuav pov hwm muaj cai los teeb tsa lawv tus kheej, yog li tus nqi ntawm txoj cai yuav txawv me ntsis.

Ntxiv rau cov coefficients uas tau muab rau hauv tus account thaum xam tus nqi, cov tuam txhab pov hwm kuj tseem yuav tsum taupom tus neeg tsav tsheb luv nqi, uas yog muab rau nws rau txhua xyoo tsis muaj kev sib tsoo hauv tus nqi ntawm 5%. Cov ntaub ntawv yog muaj nyob rau hauv ib tug database thiab tsis nyob ntawm seb cov nyiam ntawm insurers. Tam sim no cia peb tham txog qhov txawv ntawm qhov nthuav dav ntxiv.

Coefficients of insurance rates

Cov nqi tuav pov hwm nram qab no muaj nyob.

1. Thaj chaw ntawm kev siv lub tsheb tseem ceeb.

Tsev los ntawm qhov chaw nyob ntawm tus tswv ntawm lub tsheb. Nws yog tsim los ntawm txoj cai lij choj ntawm OSAGO, piv txwv li, cov coefficient hauv Moscow yog 2, hauv Irkutsk 1.7, tab sis hauv Sevastopol nws tsuas yog 0.6.

2. Hnub nyoog thiab kev paub ntawm tus neeg tsav tsheb.

Yog tus tsav tsheb muaj hnub nyoog qis dua 22 xyoos, thiab nws qhov kev paub tsawg dua peb xyoos, lossis ib qho ntawm cov khoom no cais, ces qhov sib npaug nce ntxiv yog siv li ntawm 1, 6-1, 8.

3. Tus naj npawb ntawm cov neeg tso cai tsav tsheb.

Yog tias txoj cai pov hwm tsis muab txwv rau tus lej ntawm tus tsav tsheb, ces qhov sib npaug ntawm 1.8 kuj raug siv.

4. Tsheb horsepower

Lub zog ntau dua, qhov sib piv ntau dua. Piv txwv li, tus coefficient siv rau lub hauv paus tus nqi rau ib lub tsheb nrog 135 hp. sib npaug 1, 4. Mus txog 50 hp. - 0, 6.

5. Siv lub sijhawm.

Yeej, tus tswv tau xaus tsab cai OSAGO rau ib xyoos. Qhov kev siv coefficient hauv qhov no yog sib npaug rau ib qho. Tab sis yog tias koj tshem tawm kev pov hwm rau rau lub hlis, koj yuav tau them 70% ntawm tus nqi ntawm txoj cai rau ib xyoos, uas yog, tus coefficient yuav yog 0.7.

Qhov ntawd yog tag nrho cov coefficients uas tau muab rau hauv tus account thaum xam tus nqi ntawm txoj cai. Tsis txhob hnov qab txogluv nqi uas twb muaj lawm. Yog hais tias tus tswv muaj nws, tab sis nws tsis tau muab rau hauv tus account, ces OSAGO kev tuav pov hwm kuj yuav siv tsis tau. Cov ntaub ntawv dab tsi xav tau los lees paub qhov luv nqi? Tsuas yog daim ntawv tsav tsheb lossis, yog tias kev pov hwm tsis txwv, daim ntawv hla tebchaws ntawm tus tswv ntawm lub tsheb.

Tom qab nyeem tsab xov xwm no, txhua tus tuav txoj cai yuav pom cov ntaub ntawv tseem ceeb hais txog tus nqi, coefficients, cov cai uas siv thaum thov rau txoj cai. Koj tau kawm txog qhov tsim nyog li cas yog OSAGO kev tuav pov hwm, cov ntaub ntawv xav tau dab tsi, tam sim no nws kuj paub. Thiab ib tus neeg muaj cai lij choj uas paub txhua yam yuav tsis ntsib teeb meem thaum thov rau txoj cai. Thiab ib qho ntxiv, nws yuav txhawb kev hwm los ntawm cov neeg pov hwm, vim tias nws ib txwm zoo siab rau kev sib tham nrog cov neeg paub.