Motokari inishuwarenzi: mhando nokupesana kwavo

Inishuwarenzi kuti motokari inogona kupatsanurwa mumapoka akawanda. Izvi imhaka yokuti pamutemo hwaro pamusoro insurable kufarira anogona kunge ari muridzi kana kushandisa motokari, uye panowanikwa chero mutoro kune munhu ane pfuma zvavanofarira, upenyu kana utano chakapiswa.

Inogona kunzi chikuru zvataurwa inishuwarenzi injini sezvinotevera:

• inishuwarenzi kuti imotokari;

• Basa varidzi;

• achishandisa tsaona zvose varidzi uye vomumuzinda.

Rakajairika mikana - inishuwarenzi ichi:

- motokari, kudzivirira zvido zvavo dzazvinogara varidzi chokuita motokari pachayo;

- vehurumende kuita, anodzivirira User kodzero kuti Zvinotaurwa atadzirwa.

Vasati July 1, 2003 mu Russian motokari inishuwarenzi ndiwo zvokuzvidira. Nhasi, vehurumende kuita kwavo vanosungirwa inishuwarenzi chero muridzi motokari. Murayiro akakodzera rakagamuchirwa pakukuvadza kuti vakatambudzwa, upenyu hwavo, utano kana pfuma rechipfuwo waakanga avimbiswa kuti refunded. Zvino zvose varidzi motokari iri kubhadhara inishuwarenzi shoma uye kuva mutemo, pasina ichi gwaro iri motokari iri mundima Russian Federation haagoni kushandiswa kuzvireva. Mari mutemo anoenderana kureba uye rakarurama mutyairi, saka muchairi zvemari kufarira mugwagwa makachengeteka.

inishuwarenzi Car anogona kutora nzvimbo zvinotevera ezvinhu, izvo zvinosanganisira-siyana njodzi.

1. "Auto Chikomo". Munzvimbo Chinangwa ichi mhando inishuwarenzi chikawira netsaona, moto, njodzi dzinongoitika dzoga, kuba, kuba zvikamu, kurwisa girazi, akawira zvinhu. Kufarira anogona kuratidzirwa mamwe zvokushandisa, izvo yakaiswa pamusoro motokari uye ibasa rayo chikamu. Tariffs, pamusoro "Auto Chikomo" kuti mabasa wechipfuwo auton indasitiri vakawanda makambani parizvino siyana 5 kusvika 13 muzana kuzvitaurira kukosha motokari kana imwe mari insured. Kana inishuwarenzi zvokuzvidira motokari iri rakapa iri motokari dzekunze, muripo aigona kumuka 18 muzana mutengo motokari itsva.

2. "Avtokombi". Izvi zvinosanganisira widest siyana njodzi kuti chete inogona chokuita nokushanda motokari. Insured reimbursed Nokurasikirwa, dzakanga kunokonzerwa kurasikirwa kana kuvadza motokari kunokonzerwa namarudzi kukuvadza utano uye upenyu vakaurayiwa kana ravo pfuma panguva kushandisa motokari. Uyewo mune nokure inishuwarenzi "avtokombi 'nezvido zvinosanganisira zvakakanganiswa kuti vanhu uye mutyairi, kukuvara mukwende kana zvimwe zvinhu zviri kabhini. Zvisinei, imwe nzvimbo kuti inishuwarenzi mukwende hakuiti kufukidza kana nemamwe Antiques, zvishongo chakaitwa anokosha nesimbi, Semi-anokosha uye anokosha, vachinamatwa, muunganidzwa, manyoro, mifananidzo, kuchengetedzeka, mari, zvinyorwa uye mifananidzo. It hairevi pachavo mukwende zvinhu dzisina muridzi maererano nemhuri insured kana aida kutengeswa.

3. kuita inishuwarenzi. Izvi rworudzi inishuwarenzi yakaitwa maererano itsva mutemo Russian pamusoro rokumanikidzirwa inishuwarenzi kuti kuita kuti motokari varidzi. Nokuti vagari Russian rweinishuwarenzi mhando ichi kunokosha, uyewo vagari yokumwe vaigara Russia. Ndiye chete basa kwakanga kwakonzerwa nomutyairi pfuma uyewo utano uye hwevanhu mutsaona yomumugwagwa.

4. Insurance pamusoro tsaona siyana, zita rechipiri - inishuwarenzi of zvigaro. nyaya yake ndiye upenyu uye utano pamusoro vomumuzinda. Chibvumirano kana nzvimbo ino (inishuwarenzi mari akatsunga kuti chigaro nomumwe ari motokari) kana bundu system (nokuti motokari zvose). Kupa vakabhadhara kana rufu kunoitika, kuremara kana incapacity anopfuura 4 months netsaona.