Wazi kanjani MSC yakho MTPL ngesisekelo-X-ray? Kuyini MSC

Abashayeli abanolwazi azi kahle ukuthi lemali badinga ukukhokhela ithuluzi umshwalense icala, kuncike obuphelele yabo yenkonzo, kanye ukushayela ingozi-DRM. Intengo inqubomgomo kubhekwa ikhumbula izinga-ibhonasi-malus. Sifunda indlela yokuthola MSC yakho MTPL.

Kuyini MSC

Coefficient ukukhuthaza abashayeli ukulandela imithetho ogibele ngaphandle ingozi eyodwa. They zuza isaphulelo lapho wenza inqubomgomo. Kwaphela isikhathi esingaphezu konyaka ukushayela ingozi-sesihle isici umshayeli ngamunye kuyehla, ngenxa okuyinto lenqubomgomo ukukhokha kancane.
Ngaphambili, wabelwa umshini othize, futhi lapho ithengiswe Isaphulelo elahlekile. Nokho, izinguquko ezenziwe ngo-2008, owawuthi MSC kungokwalabo umshayeli, kungakhathaliseki imoto ngenkosi kanjani. Isaphulelo lugcinwa esimweni, uma umshayeli enquma ukukhonzwa kwenye inkampani yomshuwalense.

Nokho, kuyehla noma ukhansele ngokuphelele ngisho iya ezimbi, uma Ngemva kwaleyo ngozi, umshayeli ecela ukukhokhelwa. Ubukhulu lokwehliswa incike ikilasi ukuthi okunikezwe umshayeli phambi okwamanje ingozi.

Ngokuvamile kuba elula kakhudlwana futhi ashibhile ukuze kuxazululwe ingozi engatheni on the spot, ngaphandle kokudala omgwaqo. Khona-ke, kusobala, ngesikhathi izindleko inqubomgomo ngeke ukwandisa le ngozi isigebengu.

Wazi kanjani MSC yakho MTPL

Uma umshayeli efuna ukwazi ukuthi MSC yakhe nendlela ukushintsha, udinga ukusebenzisa ithebula ekhethekile. Ngokuvamile, onyakeni wokuqala wabelwa ekilasini lesithathu, lingana kuze fike MSC.

Uma ingozi kulo nyaka atjengisa ngazo bona gade ibangelwa kwakungeke kwenzeke, khona-ke ngonyaka olandelayo wathola efunda ibanga lesine, futhi MSC uzokwehla by 5%. Kodwa uma ingozi akusho kwenzeke, khona-ke isigaba kuyoba owesibini, MSC uyovuka ukuze 1.4, okusho izindleko inqubomgomo kuzokwanda 40%.

Ngenxa ukushayela ngaphandle izingozi 5 amaphesenti Isaphulelo azonikezwa unyaka ngamunye aze afinyelele ku-50%.

CTP Ithebula

Coefficient kungaba azimisele kalula yile etafuleni ekhethekile kuvamile kubo bonke CS. Kuyinto ngokwanele ukuba bazi umshayeli ekilasini.

Thatha isibonelo ebangeni lesithathu. Ngokusho kwakhe ohlwini olulandelayo sibonana. Lokhu MSC. Ngonyaka olandelayo, umshayeli ithola ekilasini lesine oluhambisana factor 0.95. Ngakho bheka phambili. Okunye amakholomu ubonise ukuthi imiphi ekilasini bazoqhubeka wasabela uma kuyoba ingozi.

ukucabanga

Enye indlela yokuthola MSC yakho MTPL - i ukubala ezimele. Cabangela isibonelo nge umshayeli esifanayo, owaqala ithole beshayela. Uma kuwukuthi isikhathi esingaphansi kweminyaka emithathu akuyona ingozi, khona-ke ngonyaka wesine ukushayela wakhe isaphulelo kuyoba 15%. Nokho, uma kwenzeka ingozi, imbangela zazo uba, ibanga lakhe ngeke 7, okuhambelana isaphulelo amaphesenti 15, futhi kuphela lesine.

Uma etafuleni selisondele, kulula ukubona. Kodwa ngaphandle kwalo ukubala MSC ezimbi zingenza nokuhlukileko.

MSC lapho belaying abashayeli amaningi

Wazi kanjani MSC yakho MTPL uma ungeniswe abantu abambalwa nje kunjalo ngokushayela imoto? Kulula kabi. Lusebenza Coefficient ukuthi inenani eliphakeme kuzo zonke. Ngokwesibonelo, omunye umshayeli MSC - 35%, kanti kwezinye -% 15 kuphela. Khona-ke intengo izobalwa esekelwe 15% isaphulelo.

Uma omunye wabashayeli ine ingozi, imbangela buya, kanye nezinye proezdil ngonyaka ngaphandle ingozi eyodwa, MSC luyokhula kuphela kusuka umshayeli - le ngozi isigebengu. Enye uzothola wambeka amaphesenti 5 isaphulelo.

Wazi kanjani MSC yakho CTP ngesisekelo-X-ray umumo womsebenzi

-X-ray umumo womsebenzi, noma isi-Russian Association of Motor izinkampani zomshuwalense yinhlangano yomphakathi. Union kusiza abashayeli ezindabeni eziningi. Indima ebalulekile sabelwe nokuqaphela abashayeli. Ngakho, ingosi engokomthetho has a lot of ulwazi kwezinhloso zenzuzo okusebenzayo kanye inzuzo.
PCA kuyinto eyodwa database MSC. Coming kulo, ungakwazi ukuthola kalula MSC yakho MTPL ku-SAR.

Lolu lwazi lutholakala kokubili abantu zomthetho futhi zemvelo. Ukuze ngabanye kuphela udinga ukufaka selayisensi yakho yokushayela. Uma CTP ababulawa ngaphandle komkhawulo abashayeli uhlu, umnikazi imoto uzodinga futhi ipasipoti PTSD.

Nje kunjalo MSC. Hlola KBM CTP ngesisekelo the PCA izinhlangano ezingokomthetho lula. Kuyinto ngokwanele ukungena TIN inkampani kanye amaphepha adingekayo ukuze imoto.

Ingabe ukulungisa idatha PCA we-MSC?

Hlola KBM CTP ngesisekelo-X-ray umumo womsebenzi, awathathe kuhlulekile. Kodwa lapha ungakwazi ukubona nezinye izinselele. Ngokuvamile, uhlelo indawo sikhombisa Coefficient okuyinto ayihambisani ngokoqobo. Ngokwesibonelo, pholisi uthola MSC lingana kuze fike, lapho ukuhamba imoto yakhe siqu ngaphandle izingozi iminyaka eminingi.
ukuthi lokhu kwenzeka, kungase kube nezizathu khona kanje.

Uma senziwa ilayisensi esikhundleni yokushayela, mhlawumbe idatha hhayi ukuqondiswa, washiya Ababehamba idokhumenti ubudala. Ukuze sifinyelele isibonisi efanele ulwazi kufanele abhale ngalesi isicelo PCA ne amakhophi amasha kanye nezitifiketi ubudala. Kwenzeka ukuthi iphutha kufakwa.

Lokhu kungabonakala ngisho nalapho igama yokushayela livela mayelana nezinqubomgomo eziningana. Ngokwesibonelo, Ivanov, kokuba ekilasini le-11 futhi ukushayela imoto yakho siqu, futhi wavuma ukuba ukushayela umkakhe. Futhi Coefficient lokugcina 0.95, okuhambelana isigaba 4-th. Ngakho, uma uhambisa idatha kubonakala njengoba factor 0.95.

Futhi esinye isizathu, lapho abashayeli MSC ngesisekelo AIS ngalolu CTP kungenzeka zingaveli database - lokhu SC ezikweletini.

Indlela ukusindisa isaphulelo

Ngakho, ingabe uyazi ukuthi MSC MTPL wakho ku-intanethi PCA, sithole. Ake ucabange ukuthi izilinganiso zakho ezimele musa luqondane labo izinombolo ukuthi kukhona kusayithi. Indlela kulokhu?

I PCA kumele abhale isimangalo sokuthi inani lamanje Coefficient ngaphandle inthanethi, futhi baphikisa ngokuthi ulwazi. Ukuze uthole ikhophi isimangalo isicelo izinqubomgomo kanye izitifiketi zombhalo ofihliwe kusuka UK ukuthi inani elithile edlulileko beliphezulu ingozi-free ukushayela.

On Iphutha, inqubomgomo kabani isenzo sekuphelile, akudingeki sokuntshinga. Phela, kukhona uboniswa Imininingwane elihambisana ngokoqobo. Okuthile ukufakazela kuya womshuwalense noma ushayele akwenzi mqondo. Kungcono ukuya ngqo ehhovisi eyinhloko inkampani ngokubhala isikhalazo. Uma uthumela isikhalazo, ugcine irisidi, ezizosebenza njengobufakazi bokuthi ukhokhe ngesheke.

Futhi uma unquma zifake phakathi isitatimende kule nkampani mathupha, kwenze amakhophi amabili, wathi komunye wabo ubeka uphawu ukwamukelwa.
Uma, kungakapheli amasonto amabili, ayikho amaphepha, akukho ukubuyiselwa kwemali akukabonakaliswa, singakwazi ngokuphepha zisebenze igunya ngenhla futhi afune ubulungisa.
Ngakho umbuzo uwukuthi "Wazi kanjani-MSC yakho MTPL e PCA?" Akubalulekile nje kuphela ngenxa ilukuluku nje, kodwa ukuze kuqinisekiswe ukuthi ukubala inqubomgomo esilandelayo sasizoba.