DSAGO: kuba futhi ukuthi lihluke kanjani kusukela MTPL futhi CASCO?

Bambalwa abantu unemibuzo mayelana umehluko MTPL futhi CASCO. Kodwa kukhona DSAGO. Kuyini lokhu? Njengoba ihlobenenamanye CTP futhi ngokungafani Hull? Asivume.

Kuyini futhi kungani siyidinga?

Ngakho DSAGO: ukuthi kuyini nokuthi okudingayo? Siqala ukukhumbula yokuthi owaziwa: akuhlali MTPL umshwalense elilingana ncamashí umonakalo. Amanani izingxenye kanye nokulungisa, kanye izindleko zokwelashwa ziyashintsha ngokushesha futhi kanengi ukudlula elibuyekeziwe amanani esiphezulu izinkokhelo umshwalense. Kulokhu, omunye umshayeli, ngisho elitheni, akukwazi ngamaphesenti ayikhulu bavikelekile izingozi.

MOD ivumela ukuqinisekisa inkokhelo ngesilinganiso esifanele, kodwa kuyafaneleka isevisi kuyabiza, futhi akuzona zonke umnikazi imoto angakwazi ukukhokhela izindleko ezinjalo. Kulokhu, kuyafaneleka ecabanga phambi kwethu njengesibonelo umshwalense.

Umshwalense DSAGO ngenye ngokuthi CTP eziphambili. Inzuzo ephawulekayo uma iqhathaniswa 'avtograzhdanki ", okwandisa isamba oVikelwe. Uma inkokhelo, okuyinto yencike CTP, akwanele olungaba isinxephezelo ngokugcwele ngoba umonakalo, umehluko kungaba pay ngaphakathi DSAGO.

Ngakho, sikhuluma umshwalense yokuzithandela motor icala, ngaphezu saziso. Kunalokho DSAGO izifinyezo singasetshenziswa Dago, DoSAGO, DPP, DSGO.

Usifaka kanjani isicelo?

Njengoba sekushiwo, DSAGO - yokuzithandela. Ngenxa yalokho, amanani ngaye umshwalense ngamunye usetha bebodwa. Endaweni yokuqala izindleko kuncike isamba oVikelwe, kodwa okuhlangenwe nakho umshayeli, uhlobo, umthamo kanye nobudala imoto, futhi igama elithi kwenqubomgomo, futhi, ibalulekile.

Ungakhohlwa ukuthi CTP - ngibopha ithuluzi for umshayeli. Esikhundleni salo DSAGO engenakwenzeka. Ngokuyisisekelo, unawo yini umshuwalense ezimbili. Kodwa izobiza esingaphansi kwalesi sikebhe, ngenhlanhla, akulona ekhululiwe MTPL.

Ukuze semthethweni DSAGO inqubomgomo, ukulungiselela:

1. ilayisense yokushayela.
2. inqubomgomo MTPL.
3. lombhalo emoto.
4. Iphasiphothi.
5. Idatha abantu bavuma ukuthi ukuphathwa.

Indlela elula ukusebenzisa inkampani efanayo waklama CTP ukuba ugweme izinkinga ne yokunquma inani lokukhokha uma ingozi.

Njengoba ojwayelekile, yokufuna isandiso ukuba "avtograzhdanki" izinkampani zomshuwalense musa ahlole imoto. Kodwa uma umnikazi imoto ucela eliphezulu kakhulu imali anxeshezelwe ngayo (bangaphezu kwezigidi ezingu-2), kungase asole kusukela umshwalense. Khona-ke wokuhlola usazothatha indawo.

Phathani Ukusabalala ifomu enwetshiwe into ozikhethela wena.

Ubani odinga DSAGO?

Noma yini bathi amanxusa umshwalense ngezinzuzo yokuzithandela inqubomgomo, kungakhathaliseki ukuthi ingozi ethusayo kokushayeka doroguschy imoto yakwelinye izwe, kumele amagama abo lahlukaniswa, noma ngisho ezintathu. Amathuba ababelimele ezingozini ezimbi kakhulu lapho inani umonakalo lingaphezulu kakhulu kunomkhawulo indinganiso motor ayimpoqo TPL umshwalense -. Ruble ayizigidi 400, akunjalo okusezingeni eliphezulu. Ngisho imoto ebiza kunzima ukuqeda ephakeme inani izimo ukushayela emigwaqeni yedolobha.

Nokho DSAGO ungawuphazamisi intokazi, ongenalwazi imoto abanikazi nge kancane isipiliyoni ukushayela, kanye labo abakhetha i nolaka ukuphathwa isitayela ngesivinini.

I DSAGO sihluke Hull futhi MTPL?

Ekhuluma yokuzithandela "avtograzhdanki" Kungaba mnandi ukudweba parallel nezinye izinhlobo umshwalense motor, ukuze uqonde kangcono DSAGO. Ukuthi kuyini, siyaqonda, kodwa kuhluke kanjani elifanayo CASCO ngokuzithandela?

CASCO - kuyisivikelo wemoto oVikelwe, kuyilapho CTP futhi DSAGO - isibopho somthetho Ukuvikelwa umshayeli. Uma ubulokhu obhekene ingozi, ungalindela ukuba alulame izindleko zokulungisa imoto yakho uma kukhona CASCO. Uma une kuphela CTP noma DSAGO, inkokhelo wathola kuphela iqembu elimele.

Umehluko kusuka CTP kuyinto izindleko inqubomgomo kanye nenani isinxephezelo. Amanani CTP ukufakwa Central Bank, futhi intengo DSAGO izinkampani zomshuwalense bakhululekile "experiment 'kakhulu ngangokunokwenzeka kunesidingo. Ngokuphathelene isamba oVikelwe, ukukhokhwa DSAGO limelela umehluko phakathi isinxephezelo ku ayimpoqo umshwalense motor kanye nenani langempela umonakalo.

Lapha thina sikanye nawe futhi uthole konke mayelana DSAGO: ukuthi kuyini, indlela ukukhipha futhi ukuthi ungakwazi ukushintsha umshwalense. Qaphela emigwaqweni!