Momwe mungapangire dongosolo la ngozi zapamsewu nokha? Popanda apolisi apamsewu a inshuwaransi
Ngati mwachita ngozi, ndiye kuti mulandire malipiro onse a inshuwaransi, muyenera kupanga dongosolo la ngozi. Nthawi zambiri, oyang'anira apolisi apamsewu amakhudzidwa ndi izi. Komabe, posachedwapa ku Russia zinakhala zotheka kulandira malipiro a OSAGO molingana ndi ndondomeko ya ku Ulaya, ndiko kuti, popanda kukhudzidwa ndi apolisi apamsewu.
Monga mukudziwira, kuchuluka kwa magalimoto m'misewu yathu kukukulirakulirabe, koma maphunziro apamwamba m'masukulu oyendetsa galimoto amasiya kukhala ofunikira. Tinalemba kale pa Vodi.su kuti mtengo ndi maphunziro a masukulu oyendetsa galimoto ku Russia zawonjezeka kwambiri kuyambira 2015 - mwinamwake izi zingathandize kusintha zinthu m'misewu.
Komabe, chiŵerengero cha ngozi, zazikulu ndi zazing’ono, zikupitirira. Ndicho chifukwa chake adaganiza zoyambitsa ndondomeko ya ku Ulaya, kotero kuti apolisi apamsewu asasokonezedwe ngati pachitika ngozi yaing'ono.
Ndi milandu iti yomwe imaloledwa kulembetsa ngozi molingana ndi European protocol popanda apolisi apamsewu:
- magalimoto osaposera awiri anawombana;
- palibe chivulazo chakuthupi chimene chinachitidwa kwa aliyense;
- onse omwe ali pangoziyi ali ndi ndondomeko ya OSAGO;
- madalaivala adagwirizana pomwepo.
Mfundo yofunika: European Protocol idzavomerezedwa ngati chikalata chothandizira ngati kuchuluka kwa zowonongeka sikudutsa 50 zikwi zikwi za madera a Russia kapena 400 zikwi za Moscow ndi St. zisanachitike ndalamazo siziyenera kupitirira 2014 zikwi).
Ngakhale, ngati muwerenga malamulo atsopano a OSAGO, zikuwonekeratu kuti simungathe kuwerengera 50 kapena 400 zikwi ngati mmodzi mwa omwe adachita nawo ngoziyo ali ndi ndondomeko ya OSAGO yomwe inaperekedwa August 2014 isanafike. Pankhaniyi, mungathe kuwerengera 25 zikwi chipukuta misozi.
Chiwerengero: ngati munachita ngozi, palibe amene anavulala mwakuthupi, kuchuluka kwa kuwonongeka sikudutsa 25, 50 kapena 400 zikwi, ndipo munatha kuvomereza pomwepo, ndiye kuti mukhoza kutulutsa ngozi popanda apolisi apamsewu.
Kujambula chiwembu cha ngozi nokha
Choyamba, chonde dziwani kuti European protocol (chidziwitso changozi) sichingadzazidwe ndi mabala kapena kukonza, choncho choyamba lembani zonse ndikujambula papepala lina. Zithunzi zitha kulumikizidwa ku Europrotocol, chifukwa chake jambulani nthawi zonse zofunika pogwiritsa ntchito zida zilizonse zazithunzi ndi makanema.
Pambuyo pake, tsatirani mosamalitsa mfundo za European protocol:
- onetsetsani kuti mawonekedwe a chikalatacho ndi ovomerezeka;
- kusankha magalimoto - A ndi B - aliyense wa iwo ali ndime yake (mbali iliyonse imasonyeza deta yake);
- lembani ndi mtanda zinthu zonse zoyenera pakati pa "Mikhalidwe";
- jambulani chithunzi cha ngozi - pali malo okwanira mu protocol ya izi.
Chiwembu chodziwika bwino cha ngozi chimapangidwa mophweka: chimayenera kuwonetsa mphambano kapena mbali ya msewu momwe ngozi idachitikira. Schematically amasonyeza magalimoto pa mphindi pambuyo ngozi, komanso mayendedwe awo ndi mivi. Onetsani zikwangwani zonse zamsewu, mutha kufotokozeranso maloboti, manambala anyumba ndi mayina amisewu. Kumbali zonse za gawo lachiwonetsero cha ngozi pali zithunzi zamagalimoto zomwe muyenera kuwonetsa zomwe zidayambitsa.
Zinthu kuyambira 14 mpaka 17 ziyenera kudzazidwa mofanana, zomwe zidzatsimikizira mgwirizano pakati pa omwe achita nawo ngozi.
Mbali yakutsogolo imadzijambula yokha, choncho ndi bwino kudzaza ndi cholembera kuti zonse zikopedwe bwino. Zilibe kanthu kuti ndi fomu ya yani imene ikugwiritsidwa ntchito, popeza dalaivala aliyense amalemba zokhudza kampani yake ya inshuwalansi. Muyeneranso kufotokoza momveka bwino komanso momveka bwino zowonongeka: kukanda kwa bumper, kupukuta kumbali yakumanzere, ndi zina zotero. Kuphatikiza apo, lembani ndime yapakati mosamala kwambiri ndikuyika mabokosi ofunikira: musasokoneze kuyimitsidwa pagalimoto yoyimitsa magalimoto. Dalaivala aliyense amadzaza mbali yakumbuyo ya chikalatacho payekha.
Mukadzaza ndikuvomereza zonse, muyenera kulumikizana ndi kampani ya inshuwaransi mkati mwa nthawi inayake malinga ndi zofunikira za mgwirizano wa OSAGO. Oyang'anira adzayang'ana galimotoyo kuti atsimikizire zomwe zafotokozedwa m'chidziwitso ndikupanga chisankho pamalipiro a inshuwaransi. Choncho, palibe vuto musayambe kukonza galimoto nokha mpaka chigamulo cha malipiro a inshuwalansi chipangidwe.
M'malo mwake, palibe chovuta pakudzaza European Protocol, muyenera kungodzaza mosamala kwambiri, popanda mabulogu, m'malemba omveka bwino komanso m'chilankhulo chomveka.
Muvidiyoyi muphunzira momwe mungapangire ngozi popanda apolisi apamsewu.
Kanemayu akuwonetsani momwe mungajambulire chithunzi molondola.
Tikutsegula...
