Chii chekuita kana kambani yeinishuwarenzi ikabhuroka? CASCO, OSAGO
Mumamiriro ezvinhu ezvehupfumi anhasi, kubhuroka kwemakambani einishuwarenzi chinhu chinowanzoitika. Zviwanikwa zveInternet zvakasiyana, kusanganisira zvehurumende, zvinogara zvichivandudza mazita emakambani einishuwarenzi ane marezinesi akakanzurwa kana kumiswa kwenguva isingazivikanwi.
Parizvino, kune makambani einishuwarenzi anosvika zana akadaro akashaya mari pakati pa2005 na2016. Pakati pavo pane makambani akakurumbira panguva yavo se: Alliance (yaimbova ROSNO), ZHASKO, Radonezh, Svyatogor. Saka, usati wadhirowa kana kuenderera mberi neOSAGO kana CASCO kondirakiti, tarisa kana kambani yako yeinishuwarenzi yakabatanidzwa mukati Black Rondedzero yeRussia Union yeMota Insurers.
Chii chaunofanira kuita kana chiitiko cheinishuwarenzi chikaitika - iwe wakava mupari wetsaona kana mota yako yakakuvadzwa - asi kambani yako yeinishuwarenzi yakabhuroka uye rezinesi rayo rakatorerwa?
Kubhuroka kwekambani yeinishuwarenzi
Mumutemo weRussia, Chisungo 32.8 F3 chinotsanangura zvakadzama zvinofanira kuitwa nekambani yeinishuwarenzi maererano nekubhuroka uye kukanzurwa rezinesi rayo.
Chokutanga pane zvose, mwedzi mitanhatu zvisati zvaitika, chisarudzo chinoitwa pamusoro pekugumiswa kwemabasa einishuwarenzi. Ndiko kuti, haugone kuburitsa OSAGO kana CASCO mutemo musangano iri. Teerera kune iyi pfungwa: vasina kutendeka mabhizinesi vanogona kuramba vachiburitsa marongero, kunyangwe iyo UK yakaverengerwa munjodzi yeRSA. Izvi zvinogona kupa kuderedzwa kwakakosha. Asi kana iwe ukagadzira chibvumirano nekambani iri padanho rekubhuroka, zvino zvichave zvakaoma kuwana mubhadharo kunyangwe kuburikidza nematare.
Chechipiri, kambani yeinishuwarenzi inosungirwa kuzadzisa zvese zvisungo zvekubhadhara pakaitika zviitiko zveinishuwarenzi. Izvi zvinogona kuitwa zvese kubva kumari yako uye nekuendesa zvisungo kune mamwe masangano.
Isu tinoona kuti mutemo unotsanangurwa nenzira yekuti mutyairiwo zvake anosangana nezvipingamupinyi zvishoma munzira yekugamuchira mari inodiwa. Nekudaro, makambani einishuwarenzi anowanzo ziva nezvekubhuroka chete mushure mekuitika kwezviitiko zveinishuwarenzi.
Nzira yekugamuchira mubhadharo pasi peOSAGO?
Kana iwe wakatora mutemo weOSAGO mukambani yakabhuroka, saka haufanirwe kunetseka zvakanyanya, sezvo PCA inotarisira kubhadhara kwese. Asi PCA inobhadharira OSAGO pasi pemitemo yakapedzwa rezinesi risati rabviswa kubva kuUK - nyatso tarisa kana kambani yeinishuwarenzi inosanganisirwa munjodzi yePCA uye kana rezinesi rayo rakabviswa, usatenge OSAGO mumakiosks enhare kana munzvimbo dzisina kusimbiswa.
PCA inobhadhara muripo wekubhadhara chete mumamiriro ezvinhu apo kambani yakabhuroka isingakwanise kuzadzisa zvisungo zvayo zvekubhadhara kune vatengi.
Paunenge uchikuziva iwe sewe honzeri yetsaona yemumugwagwa, unofanirwa kuita zvinoenderana neyakajairwa chirongwa, chatakatotsanangura pawebhusaiti yedu Vodi.su:
- ipa munhu akuvara nhamba yepolicy;
- ipa kopi yepolicy yakasimbiswa nesignature yako - yekutanga inoramba iinewe;
- ratidza zita rako rizere uye zita remuiti weinishuwarenzi.
Kana uriwe wakuvara, enderera mberi sezvizvi:
- gamuchira kubva kune ane mhosva data yese inodiwa - nhamba yepolicy, zita reinishuwarenzi, zita rakazara;
- unogamuchira chitupa Nhamba 748 kubva kumapurisa emumigwagwa;
- zvinodikanwawo kuwana kopi yemushumo wetsaona, chisarudzo pamusoro pemhosva yekutonga - ivo vanobudiswawo nemapurisa emigwagwa;
- Panzvimbo yetsaona, chiziviso cheinishuwarenzi chetsaona chinozadzwa.
Tinonyatsoongorora kuti zvinhu zvose zvakanyorwa zvakarurama uye pasina zvikanganiso. Iyo annex kune CMTPL mutemo, kunyangwe kana inishuwarenzi yaenda kubhengi, ine mirairo yemafambiro ekuita kana chiitiko chine inishuwarenzi. Nemagwaro ese akaunganidzwa, unofanira kubata hofisi yeRSA iri muguta rako.
Unogona kuwana kero yake yePCA nekufonera nhamba yemahara 8-800-200-22-75.
Zvakakodzera kutaura kuti kunyangwe PCA inogona kuramba kubhadhara nechikonzero chekuti kambani yakabhuroka haina kuendesa dhatabhesi uye marejista emitemo yayakaita. Asi iyi itsika isiri pamutemo, unongoda kuunza iyo yekutanga kana notarized kopi yepolicy yakapihwa muUK ino kuratidza kuti yakatengwa nezvikonzero zvepamutemo. Nokudaro, hapafaniri kuva nezvinetso nekubhadhara kweOSAGO, pasinei nokuti inshuwarisi yepati yakakuvara kana kuti ine mhosva yetsaona yakaparara.
Kugamuchira mubhadharo weCASCO
NeCASCO, mamiriro acho akanyanya kuoma. Zvinofanira kutaurwa kuti kambani inogona kubvisirwa rezinesi kwenguva pfupi pasi peCASCO, kudzamara mamiriro ayo emari avandudza. Kana kambani iri kupinda muhurongwa hwekubhuroka, saka maitiro acho akareba uye anozivikanwa nezvayo kanenge mwedzi mitanhatu sarudzo yekupedzisira isati yaitwa.
Chero zvazvingava, kusarudzwa kwekambani yekubudisa CASCO kunofanira kutangwa zvakanyatsonaka, sezvo mari iri pano ichiita urongwa hwehukuru hwepamusoro pane pakupa OSAGO. Sarudzo yakanyatsokodzera ndeye kugara uchitarisa chinzvimbo cheinishuwarenzi mune yenyika ratings, kusanganisira pawebhusaiti yedu Vodi.su.
Kana chiitiko cheinishuwarenzi chikaitika pasi peCASCO, saka zvakakosha kuunganidza magwaro ose uye kubata kambani pachayo. Kana rezinesi rake rakangokanzurwa kusvika pari zvino, zvese zvisungo zvake zvekubhadhara zvinofanirwa kuzadzikiswa. Kana warambirwa, chasara kuenda kumatare edzimhosva.
Kana mutongo wedare ukabudirira kwauri, iwe unoverengerwa murondedzero yevakwereta uye wozowana mari yakafanira kuburikidza nekutengeswa kwemidziyo nemidziyo yekambani. Chokwadi, kuita uku kunogona kutambanudzwa zvakanyanya nekufamba kwenguva, sezvo, kutanga kwezvose, kambani yakabhuroka inobhadhara zvikwereti zvemihoro kuvashandi vayo, zvino zvisungo kuhurumende uye mabhanga echikwereti, uye mushure meizvozvo zvikwereti kune vane mapolicy zvinobhadharwa.
Zvichienderana nezviri pamusoro apa, kana uchinyorera OSAGO kana CASCO mutemo, vimba chete nemakambani akavimbika anotora nzvimbo dzekutanga muzviyero. Chero zvazvingava, usatenge inishuwarenzi pazvidzikiso kana kukwidziridzwa, uye zvakatonyanya kubva kune vanomiririra mune akasiyana nhare kiosks kana misika.
Loading ...
