Kuita chibvumirano CTP, vatyairi vakawanda vanoona somusengwa, uye kwete sezvinoita inishuwarenzi, kwete chaizvoizvo achitarisira kuwana mari kana insured chiitiko. Izvi kunyanya nokuda kwokutenda yakaipa inishuwarenzi makambani nomumwe airamba vatengi vari vachibhadhara kana zvose zvinobvira nzira idzo kuderedza navo kushoma chitsama.
Zvinosuruvarisa pane zviitiko apo yeGmail.END_STRONG chinoshanda pasi mutemo avtograzhdanki vari reimbursed nguva isingasviki mutengo motokari kugadziriswa. Munzira dzakawanda, izvi zvinoita kuti vapfeke kukarukureta kuti makambani MTPL inishuwarenzi achiushandisa. Under huripo mutemo, ivo insurers kodzero vaite kukarukureta pakati depreciation musi CTP kuitira kuti hazvina kusapfuudza 0,8 nguva mari itsva zvikamu. Saka, zvinoitika kuti insurer anekodzero kubhadhara 20 chete% ukoshi hwavo chaihwo, uye zvavari kuedza kufungawo yabvaruka kuti vaifanira.
Zvisinei, kana mutemo pamusoro rokumanikidzirwa gwenya TPL kuverenga nokungwarira (kusvika apo chinorondedzerwa CTP vapfeke kukarukureta), zvinoitika kuti insurers hamuneni kodzero kushandisa kufadza prices. Kunyanya, mwero achavaponesa sei vakwegura vari insured motokari, nyika umo Wakaitwa, uye haana kushandura kana hunenge chikamu pamberi (mukupera zvazvingava, depreciation kukarukureta nokuda MTPL chaizvo zvakaitwa tichitarira zera rake, kwete nemakore motokari).
Uyezve, mutemo kunopa kuti zvimwe zvikamu vanobhadharwa pasina panyaya depreciation. Kana kuverenga kuti muripo insurers vasina vaiona kutonga ichi, zvinoitika kuti akaputsa mutemo, uye nemhosva kodzero mukuru payout mudare.
Makambani inishuwarenzi Most vakaregeredza kunakidzwa chokwadi kuti vatengi vavo havasi vanoziva mutemo pamusoro rokumanikidzirwa gwenya TPL inishuwarenzi uye havana mikana kuridzidza nokungwarira. Kana munhu anoda kubetserwa, wakati familiarized pamwe dzemaitirwe kukuvara, icharatidza ruzivo rwavo uye kumbira chii maererano yakakwirira yakadaro rakaiswa mwero kusakara, zvingangoita kuti kambani yacho inishuwarenzi haangavi ucharondedzera litigation uye mashoko asina basa. Saka, kana iwe kubata boka iri inishuwarenzi kuti yeGmail.END_STRONG kuzvibata nani mune inishuwarenzi nyanzvi, kunyange kana chokwadi ichi hachisi chokwadi.
Kana uchisarudza kambani yeinishuwarenzi, kunyange kunyoresa inishuwarenzi fanira kunofanira kuvakirwa kwete shoma mutero (zvino nzvimbo chero insurer vane karukureta chaiyo inoita vatengi kuverenga motokari inishuwarenzi pachavo) uye chekambani rating, mutengi ongororo uye pauzima. Kana ukasarudza munhu insurer yakanaka nomukurumbira yakasimba, iyo anokoshesa vatengi ayo, uye depreciation kukarukureta CTP achava zvakanaka uye zviri pamutemo. Panyaya iyi, kuti nemhosva kunogona rwakazorora kuti akanga asina kunyengedzwa pakuverenga zvaparadzwa, asi zvakadaro hauna kurasikirwa here Kusvinurira - nani cheki kuti nyora mhedziso, pamberi nemasaini. Kungwarira yeGmail.END_STRONG haana kurwadziwa, kunyanya kana totaura dzemari, dzakadai risiti kuti muripo inishuwarenzi.