Mari, Inishuwarenzi
How kuongorora mutyairi MSC anotsanangura X-ray: nzira mberi
Kazhinji kana waita inozowana OSAGO inogona akambonzwa chinhu chakadai se "bhonasi-Malus coefficient." Chii ndiwo tsanangudzo iyi? anogona sei kuva? Kana zvichibvira kuziva pachako? How kuongorora mutyairi MSC anotsanangura X-ray? Kuwana mhinduro dzemibvunzo iyi kuchatibatsira munyaya ino.
KBM: musimboti pfungwa
Pfungwa iyi yakabuda zvakawanda ichangopfuura - 3 years ago. Ipapo mamiriro vangada kurerutsa mari vatyairi - kureva, kuderedza mari inishuwarenzi MTPL nokuti inonzi vatyairi tsaona-free. Nemamwe mashoko, kana muridzi motokari hauzoti chaikonzera mutsaona yomumugwagwa munguva pfupi iri inishuwarenzi, anogona kuverenga rimwe yakawanda dhisikaundi. Bhuku zvinobatsira kuti mutyairi uye kunotema chete MSC.
mhando MSC
MSC anogona kutora iri zvakasiyana tsika. It zvinoenderana chaiwo kukura tsaona-isina pakutyaira ruzivo. The mamwe makore muridzi motokari haina kuwana mutsaona, nani uchava kutenga MTPL itsika. Kubatsira kuona vatyairi pachake MSC, achaita zvakarurama kumiririra zvinotevera tafura:
| kirasi MSC | The coefficient kuti bhonasi-Malus |
| 13 | 0.5 |
| 12 | 0.55 |
| 11 | 0,6 |
| 10 | 0,65 |
| 9 | 0,7 |
| 8 | 0.75 |
| 7 | 0,8 |
| 6 | 0,85 |
| 5 | 0,9 |
| 4 | 0.95 |
| 3 | 1 |
| 2 | 1.4 |
| 1 | 1,55 |
| 0 | 2.3 |
| M | 2.45 |
Pakutanga kufambisa ruzivo anopiwa 3 kirasi MSC, kureva chero dhisikaundi muchairi havagoni kuverenga. Gore rakatevera, pasi tsaona isina motokari, anova muridzi 4 makirasi, kureva, vangakwanisa nokuda 5% dhisikaundi, uye zvichingodaro. Nemamwe mashoko, akanaka gore kure dhisikaundi ose ari kutenga MTPL gwara yakawedzera 5%. Panguva kunonyanyisa kubatsira 50% dhisikaundi kuti dzaona chete kana muchairi haana kuwana mutsaona kwemakore gumi kana kupfuura.
Asi, zvinosuruvarisa kuti dhisikaundi arege chete kuwedzera asiwo kudukupiswa: vazhinji inishuwarenzi kutaura, chichavawo chikuru mari CTP. Saka, kunyanya "Zvinonzwisa urombo" motokari varidzi vangafanira kubhadhara zvakawanda 2.5 nguva pane chikuru achikanganisa inishuwarenzi repair.
Pasi tafura kuratidza kuti MSC kirasi zvichienderana nokuwanda panowanikwa insured zviitiko.
| Kirasi kumavambo nguva yacho inishuwarenzi | Kirasi pakupera nguva yacho inishuwarenzi kwakavakirwa nhamba vachibhadhara inishuwarenzi | ||||
| 4 kana kupfuura nyaya | 3 zviitiko | 2 zviitiko | 1 nyaya | 0 zviitiko | |
| M | M | M | M | M | 0 |
| 0 | M | M | M | M | 1 |
| 1 | M | M | M | M | 2 |
| 2 | M | M | M | 1 | 3 |
| 3 | M | M | M | 1 | 4 |
| 4 | M | M | 1 | 2 | 5 |
| 5 | M | M | 1 | 3 | 6 |
| 6 | M | M | 2 | 4 | 7 |
| 7 | M | M | 2 | 4 | 8 |
| 8 | M | M | 2 | 5 | 9 |
| 9 | M | 1 | 2 | 5 | 10 |
| 10 | M | 1 | 3 | 6 | 11 |
| 11 | M | 1 | 3 | 6 | 12 |
| 12 | M | 1 | 3 | 6 | 13 |
| 13 | M | 1 | 3 | 7 | 13 |
How kuongorora mutyairi MSC anotsanangura SAR nerimwe gore
Zvinosuruvarisa pamutemo nzvimbo Motor Insurers (RAMI) haisi basa rinokosha kuti kunoita kuti kuverenga imwe dhisikaundi pamusoro kutenga MTPL itsika. Chinhu bedzi pane kuita - tafura vyshepredstavlennaya. Zvisinei, pane dzimwe Websites zvakawanda zvinogona kuita. Somuenzaniso, kubudikidza nekudzvanya pamusoro kubatana http://librax.ru/proverka-kbm.html, unogona nyore uye nokukurumidza tarisa MSC pahwaro X-ray diffraction rimwe gore.
Kuti aite izvi, unofanira zadza zvinhu zvinotevera:
- uwandu vatyairi vachapiwa kutyaira inishuwarenzi chinhu;
- musi kana kutarisirwa ape itsva MTPL inishuwarenzi;
- Vatyairi zita rizere;
- Zuva ravo rokuzvarwa;
- chitupa chokutyaira nhamba.
Kuti chinogara kuti tinya "tione" bhatani, pashure iyo mashoko tigokuzivisai rokushandisa zvido.
How kuongorora mutyairi MSC anotsanangura X-ray kana pane kukanganisa
Hazvina nguva zvinogoneka vatyairi kekutanga kuwana runodiwa mashoko. Zvikonzero zvingava 2:
- The mushandisi akakanganisa iri kupinda mashoko. Solution: tarisa minda zvose zvandaikanganisa.
- The mutyairi achinja ake pakutyaira rezinesi sezvo kuritenga wokupedzisira MTPL itsika. Muchiitiko chino, kutarisa MSC pahwaro X-ray akatadza, akare Data anofanira akasuma "kodzero."
MUENZANISO yakazvimirira kukarukureta
Tsvagurudza mari mutemo CTP inishuwarenzi kwegore achabatsira pazasi muenzaniso nyore kukarukureta. Saka, regai musi kutenga inishuwarenzi uyu November 11, 2015. Nguva iyi rinotsanangurwa kirasi kukosha uye bhonasi-Malus coefficient. Somuenzaniso, vanotora zviratidzo zvakadai: Zvinokonzerwa 6, MSC - 0,85. Kuti uzive chii chichava mwero inotevera kwenguva inishuwarenzi, unofanira kuita zvinotevera (mu tafura iyi vachatitaka, iyo kare wataurwa pamusoro apa):
- View tambo apo kirasi 6, uye CBM - 0,85. Zvadaro, zvichienderana neuwandu inishuwarenzi kubhadhara iri nguva yacho inishuwarenzi, unogona kutsanangura kirasi yako gore rinouya. Ndiko, kana tikafunga zvinokosheswa muenzaniso, pasina ari insured chiitiko kirasi akaenzana 7 (MSC - 0,8), kirasi akaenzana 4, vaviri panguva imwe mamiriro ezvinhu inishuwarenzi kunoitika - 2, apo matatu kana kupfuura - M.
- Kana kirasi MSC hunogona kungoparara akaverenga, uye dhisikaundi itsva wokuti gwenya inishuwarenzi zvairayirwa. Izvi zvichabatsira tafura yokutanga munyaya.
Kuita manipulations nyore izvi, unogona kuwana kubva anofungidzirwa mutengo inishuwarenzi motokari inotevera gore. Kana kuverenga iri chero dambudziko, yakanakisisa nenzira iyi zvaizoonekwa zvazvakaipira neDare MSC anotsanangura PCA chaizvo mabasa. Vanogona kukurumidza kubatsira uye kugadzirisa zviri nyore dambudziko iri.
zvino tinoziva sei kuti kutarisa MSC mutyairi yakavakirwa PCA. Naizvozvo chete anoramba kuti dai vatyairi Godspeed.
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