He aha e koho: CTP paha CASCO? He aha ka ke unuhi?

All kaʻa mea nona ma keia aina kēlā me kēia makahiki eʻalo i ka pono, e hoopuka aku ola auto lapaʻau. Ke kumu o lapaʻau AEeAaOA no ke kaʻa ona, he MTPL a CASCO. Kēlā me kēia no ia he okoa oihana, kekahi 'ano o ka lapaʻau mea OAXA, a me ka mea' ē aʻe - he hoʻokahi wale nō ka naau mai. He aha e pono ai ka wā oe e ke kulekele e koho - MTPL paha CASCO? He aha ka i ka likeʻole ma waena o kēia mau ʻano o ka lapaʻau?

Ke koena unuhi ma ka lapaʻau pūʻolo helu

I ka palapala ma ke kaʻa lapaʻau 'oe pono e lilo ma ka noho ana o na Keaukaha, a hōʻike mea ia e pono ai, i ka mua kalepa makai. Inā mākou e nānā i ke kulekele, ua hiki koke ike ia ma mua o mākou - a me ka hinu hauna o CTP. He aha ka i ka likeʻole ma waena o kēia mauʻano o ka lapaʻau?

A4 palapala a me ka inoa o CTP lapaʻau pilikino E pili ua kapaia muli o lapaʻau. Inā ua nele i ka e ma ka noho ana a pau, ka poe i kipaku i kona mau kaʻa. He kēiaʻano o ka lapaʻau lawelawe, ua pono e loaʻa mai kēlā me kēia makahiki o ka lapaʻau konohiki. Hauna o - ka naau maiʻano o ka lapaʻau. He aha ke ano o ka aelike me ka UK e e papapau pu - MTPL paha CASCO? I mea e pane i kēia nīnau, he mea pono e hou e maopopo i nā 'ano o kēlā me kēia' ano o ka lapaʻau.

He aha ka ka hiʻona o CTP?

Ma o Mānoa, i kēia 'ano o ke ola auto lapaʻau i malama i ke kaʻa' ole O Keaukaha ka ola kino, a me na aie o ke kamaaina i loko o ka hanana o ke alanui ulia ole. He aha aʻole ia ke ano o?

Ma ka hanana o ka ulia, ka culprit o i ua hoʻopaʻa waiwai e CTP mea nona o ke kaa, pōʻino a hiki i ka loli ana o kanaka e e compensated ole ma ka Keaukaha, a me ka lapaʻau huakai. Ma keia hihia, i ka poino maluna o ka culprit kaa, e ole e hookaa. Penei, CTP ka makau o ka ike ole kanaka, a me ko lakou waiwai, ina e e laweia mai na hana o ka hewa i kā lākou detriment. ʻO kā mākou dala o ka lapaʻau ka uku ua hooponopono ma ka Ahaolelo kiʻekiʻe. Currently ia mea 400 tausani. Rubles. Ma ikaika poino a me ka make ana o ke kanaka i ka nui o ka uku i e like kiʻekiʻe. Akā, ma kekahi hihia, no ka lapaʻau poʻe i nā kānaka apau e loaa ka uku uku ma ka lilo ana o CTP payer.

A lohe o MTPL indemnify?

E like me ka na kānāwai ma muli o Hawaii lapaʻau uku e e hāʻawi ai i ka luahi wale i loko o nā hihia:

• Inā ka luahi o kekahi aoao i kekahi kalepa ae la lakou ulia, a loaʻa ia poino aoao, e like me ke kalepa hoike. Ka hewa aoao pono laila e ike, a lilo i ka manawa o ka loa he ulia pakalaki, a uku MTPL pilikino E pili.
• Inā ke kulekele paa i ua loaʻa hewa o ka ulia, akā,ʻo ia,ʻaʻole inu,ʻo ia naʻauao ponoʻole, a noi i kona kaʻa, e makaikai i - ma keia hihia, ka uku no ka luahi, e e uku ia no ia e ka lapaʻau huakai. Inā ke kāki o aaioee kou velveteen ka 10 tausani. Rubles, a me ka poho ua oaeuiinoe e ana na mea elima manawa hou, ka poeikohoia o ka lapaʻau poe e reimburse i ka poino, kena ae la i loko o ka nui o ka 50 000 rubles, a me ka hewa aoao e e uku i kekahi mea.

He aha ka CASCO?

Kamaʻilio e pili ana i hinu hauna mea kupono e hoʻomaka me ka nīnau maʻamau noi ia e nā mea a pau novice motorists: "CTP a CASCO - ka mea, e aho no ka Keaukaha?" Kēia hoʻomanaʻo He fundamentally hewa - ma ka mea, koe wale no ka mea e nā ai ka lapaʻau AEeAaOA pili me ka machines, he mea oi ma mua o kekahi mea i loko, he pono ole. Inā CTP i malama kivila aie, ka CASCO insures nō tangible waiwai - i loko o ka lapaʻau AEeAaOA kikowaena uku no kaʻaihue a poho i ke kaa. Ua lapaʻau OAaEeOOAIE hoʻokō, akā,ʻaʻole e puku i kekahi i kekahi. No laila, i ka ninau - MTPL a CASCO: He aha ka maikaʻi - Ua meaningless. Mau Insurance uhi loa okoa manaÿo, no laila, e compensate no kekahi e hiki poino, e loaʻa i ka uku o ke kulekele.

I ka CASCO indemnify?

Helu i ka uku, mai ka Aʻole hiki ke hoʻopaʻa waiwai ma ka hihia o ka ai aihue, pōʻino, a me ka poino, kena ae la i ke kaa. Ma kekahi mau hihia, ka uku no ka ola, a hiki ke helu i na poino kanaka o ke kaʻa - ina ke mau ukana i ua kaawale hoʻokumu i loko o ka palapala o ka lapaʻau.

CTP a CASCO: mea e koho?

Ano, i hou ai paakiki i ka olelo i ka haʻahaʻa ma ko kakou aina nei i ka aelike o ka aie lapaʻau. Ka āpana o CTP lapaʻau pilikino E pili ua kākoʻoʻia me ka helu o ke kālā kulanui. Keia SAR - Russian Union o Insurers, a me ka Central Bank, i mea no ka mea hoʻokonukonu, a me nā kānāwai likeʻole a me ka hooponopono ana. CASCO - he hoʻokahi wale nō, no ka naau lapaʻau. E hoomanao e lapaʻau kālā ka uku ua hooponopono wale ma ke kānāwai ma ka 'ohana ka palekana o Consumer Rights a me ke Kanawai Kivila o ka Russian Hui. Nolaila, ke kūʻaiʻana aie lapaʻau pilikino E pili kila, e hiki ke lawe mālama i ka hinu hauna, akā,ʻaʻole hope versa. Policy o ka naau mai Hawaii lapaʻau 'aʻole i kaawale mai o ka pono e loaʻa iā CTP.

regressive koi

I ka manaʻo o ka regression koi nei i loko o nā mea a pau lapaʻau poʻe, a 'aʻole i ke kaukaʻi wale aku' ano o ka lapaʻau 'oe i hoʻohana - MTPL a CASCO, a me kekahi mea'ē aʻe. Ma kekahi mau hihia, o ka UK ua ole nae e uku i ka lapaʻau ka uku nui loa. No ka laʻana, ina ka perpetrator o ka ulia mahuka aku la i ka loa o ka ulia, i ole i ke kaa no ka nana, ka mea, ua i loko o ka moku'āina o intoxication. Ma keia hihia, no ka holoʻokoʻa kaumaha o kālā uku i ka uku no ka piʻi hanau ma ka hewa aoao.

CTP kūkulu 'ia a me ka hinu hauna pono loaʻa ka lapaʻau aelike'ikamu ma ka regressive koi. Ua hoʻomōakaaka na hihia ma i ka hanana o ka lapaʻau huakai e lawe mai i kekahi hana kīwila e hopu, a hoʻopuka uku hoʻi. He IeAUPIIe, IAa IO ka hana i ka wā:

• luahi hele i ka loa o ka ulia a ka hōʻeaʻana mai o ke kalepa makai luna;
• Ua aʻole i kekahi kaʻa no ka nana;
• Ua mea i loko o kekahi kanakaʻona mau paha narcotic intoxication;
• hou aku.

Ma kēia hihia, ka lapaʻau hope paha ua kuleana e kauoha aku i ka 'aha hoʻokolokolo i ka piha dala ka uku ana i ka luahi (inā loaʻa ma muli o ka aelike CTP) a me ka policyholder (i loko o ka hihia o CASCO). Uku ma CTP a CASCO ana ma hope o ka uku o ka lapaʻau kulekele wale.

He aha 'ano o ke kaʻa lapaʻau ka ho'ēmi?

Ka lua o ka nui pukana - i ka lilo o ke kaʻa lapaʻau. CTP a CASCO - ia mea ho'ēmi? Mākou i ke loaa ole ia oe - makemake e ho'ēmi e uku no ka mea poino, kena ae la i kekahi kanaka ma mua o ka compensate na poho, kena ae la i kou mau kaa.

Nāʻauhau no ka muli o Hawaii TPL lapaʻau hooponopono ma ka moku'āina - i loko o nā mea a pau lapaʻau poʻe probreteniya MTPL lapaʻau kūlana i ka ia, a me Hawaii Ekolu i loko o kekahi mau lapaʻau poʻe e loaʻa i ka ia dala. Ke kāki o CASCO lapaʻau 'ana, kukulu iho la lakou ia lakou iho, a me ka mea hilinaʻi nui ma luna o na mea he nui aʻe - mai ka' ikepili helu o ka palapala kaʻa ana paha i ke kiʻekiʻe o ka mākaukau o ka Keaukaha.