Casco: He aha ka mea? lapaʻau koho, lāliʻi

Kela a me keia kaʻa mea manao e hoʻopale ai i kou kaa, mai hiki poino. CASCO lapaʻau, e hana maikai oukou. He nui ka makemake e aʻo hou aku e pili ana hulina lapaʻau, i ia mea. Akā, mua na mea mua. Mua oe Pono e ike i ke ahiahi, i keia la i manaoia e ka poino.

Poho i ka mea nona o ke kaʻa - kekahi ia ia ka poino, a kena ae la i ke kaʻa. Kēia hiki ia i ka hana o ke kahakaha kolohe, aihue, ulia pōʻino. ʻAʻole anei i hookaawale ia nā 'ano o ke poho. Casco He hanohano no ia i ka laulā huahelu o nā koina i uhi ia e lapaʻau. Ma ka manawa o ka pilikia ka mea ua nui kanaka, a hiki i ke kaʻa kūʻai i manao ua ano manao e pili ana nona iho.

hiʻona

Mākou hiki ole ke olelo i keia kaʻa lapaʻau - ho'ēmi koho, akā, i ka mea o kēia manawa i ka loa mahaloia. Penei, ina e makemake e hoʻopale ai i kou Bedroom mai unexpected, keu koina, ia ka manawa e aʻo i nā rula o ka hinu hauna. Insurance kuleana paha e okoa:ʻaʻole he pono i? Iaie?, Aihue, e kauoha ana i kekahi ia ia ka poino. Inā ua kekahi mea pilikia, he kanaka ka mea i ka hinu hauna o i mai i ka ia i ka piha uku uku (i kulike ai me ka poino).

Mini-hinu hauna - He aha ka mea?

ʻO kēia makeke o ka lapaʻau lawelawe hoʻolako kona nā mea kūʻai mai me ka hailona ana i kaumaha ai oukou ia, no kekahi laʻana, ma laila nō ke ano okoa o ka hinu hauna. He aha ka mea - he "Mini" -version o keia lapaʻau? He oiaio hewaʻiʻo noonoo.

O ia ka lapaʻau huahana i ua mōhai i motorists maʻaneʻane a pau nui wahi lulu lapaʻau poʻe. I ka mea, ua e kamailio e pili ana i ka Nohie polokalamu hauna, i hōʻoiaʻiʻo ike loea ka palekana i ka na ka pilikia, e mālama i kekahi kanaka mai ka nui poho. Mai ka popilikia makemake ia lapaʻau?

• kaʻa aihue;
• ka poho o ke kaʻa a me ka poho no ia ma kona ano maoli i na ino a me ke ahi;
• Hanalima ulia 'ole ulia;
• poho manawa i ka hana o ke kulanakauhale a me ka oaoieei lawelawe (no ka mea hoike, i ka poino hanaia mai e 'elele o ke kānāwai mākaʻi a hoʻopakele lawelawe).

Papa inoa na ka pilikia i ka manaʻo, e uhi i ka 'ieie', lauwili nunui - ia a pau hilinaʻi nui ma luna o ka ua kupaa. Naʻe, ka mea like nō ma laila: e like me ka haʻahaʻa kāki (wā hoohalikeia me ka piha kulekele), a me ka lapaʻau pilikino E pili he nui hoʻokau '. E like me ka rula, kanaka e hoola i ka 30% ma ke kumu kuai o Casco lapaʻau, ina ke koho AEeAaOA "Mini".

He aha ka hua hoʻohui?

I ka papa kuhikuhiE lanakila o ka kāpili AEeAaOA, ka wā like me ka piha-CASCO lapaʻau pilikino E pili - he kilakila makauliʻi o Waiwai. Kēia palapala o ka lapaʻau mea maikaʻi no inexperienced, keiki Keaukaha, e like me ka poe kanaka nona ka kaʻa ua ua pohole mai. Inā ka palapala hoʻokō mai ke Hookah mea ma luna o ke kaa, i hoʻolohe ai i ka "Mini" -version hauna. Nō hoʻi, i kēia mea paahana mea pono i loko o ke kahua ma ka motorist aole makemake ole e insure i ke kaʻa ma luna o hiki a pau ka pilikia, ina, no kekahi laʻana, e pono wale e hele i kekahi mau manawa o ka mahina, a me nā mea a pau i ke koena o ke kaʻa mea i loko o ka aoeaiia caaiea a ma ka uku i? Iaie? Ou wahi lihi iki.

Franchise i ka hinu hauna o lapaʻau

He oiaio, ua lohe kekahi e pili ana i ka franchise hauna. He aha ka mea? No laila, ua kahea aku ma ka aoao o ka poho lapaʻau, i reimburses ka mea nona o kou iho, ina he hoʻopaʻa waiwai hanana occurs. E like me ka rula, ua e kamailio ana me ka paa dala hoʻopaʻa waiwai, eia nae he nui onipaa no ka hoike i kēia nui me ka pakeneka. Ke kahua Ua like penei: ka poʻe CASCO hoʻolako ka Client me ka nui uku ho'ēmi ma luna o kā lākou mau lawelawe, akā, e loaʻa kekahi nīnūnē ka hoʻoponopono 'ana (ka ae like ma ka mua me ka poeikohoia o ka lapaʻau poe) e hooko me ka Noho kala mai i kona mau eke. No ka kaa, loaʻa nō nāʻano o nā franchises: conditional a me ka unconditional.

deductible

Ma ka lapaʻau pilikino E pili stipulated i ke kaʻina hana e like keia: he kaʻa mea hana aku i ka mea mea ia ia compensates no i kekahi dala i loko o ka hanana ana ina mea e launa mai poino. E noʻonoʻo i ka mea hoʻohālike: he kaʻa i ua hoʻopaʻa waiwai ma lalo o kēia polokalamu. deductible kali ua, e olelo aku, 5,000 rubles. Inā i hoʻopaʻa waiwai hanana i, no ka laʻana, 15 tausani, ka poe e uku i ka mea nana o ke ola auto He 10,000 wale.

conditional franchise

He aha hiki e aku la no keia kaumaha? A hiki i ka conditional franchise ka lapaʻau poe e compensate loa a pau poino i ae mai i kaʻa wale nō ka wā o kona kiʻekiʻe ma mua o ka nui o ka kekahi loloa. Inā 'oe e lohe i ka hōʻike manaʻo o hinu hauna, ma keia hihia ka mea, nana e like keia: ina he kaʻa i loaʻa i loko o ka ulia, akā, no ka nui o ke poho, ua emi mai ma mua o ka deductible kaula, i ka mea nāna ia uku no ka hoʻoponopono' ana. Inā ka poho, ua oi aku ia mamua o kaʻikepili i loko o ka palapala, i ka mea nāna e uku no ka kaa ke ola.

Ua noa Pono hooholo no oia ia ia iho i ka ninau o ina paha e hoʻohana i ka franchise me ka hinu hauna. He aha ka mea - ua lilo i mea akaka i ka nui o ko mākou mau 'atikala. Nui ia e huki hoʻolohe i ke kahua ma ka nui kūlanakauhale - aia no he pilikia o ka poho ua nīnūnē (scratches ma ke Ka Pale, eheu). Insurance poʻe nui i ka franchise mea no laila, i ka lilo ana o ka hoʻoponopono 'ana ua iki haʻahaʻa ma mua o ka ahaaina nui o ka uku. Ia mea, ma mua e ke koho, 'oe e ho'āʻo i ka lawe i mooolelo a pau o ka nuances. Franchise - he ala nui maoli, e hoola i ke kala, o ka oi aku kona i kā mākou koho. Ma ia ano i kahua no ka hinu hauna, e i e uku henehene kou i loko o ka mau manawa e emi ma mua i loko o kaʻike mau hihia. Ia mea,ʻo nā mea o kahiko kaa hiki e lawa i ka seriously manaʻo e pili ana i ka lapaʻau pilikino E pili CASCO - kēia manawa ka mea, Aloha maoli.