Insurance MTPL cov nyiaj them: yuav ua li cas kom tau li cas yog tiv

Txawm tias muaj tseeb hais tias nyob rau hauv peb lub teb chaws npe yog yuav tsum MTPL txoj cai, muaj ntau yam tsis nkag siab lub essence ntawm no hom ntawm kev tuav pov hwm. Raws li ib tug tshwm sim, yog hais tias nws nkag mus rau hauv ib qho kev huam yuaj, lawv yog genuinely xav tsis thoob thaum lawv nrhiav tau tias tus tuav pov hwm MTPL cov nyiaj them lawv tsis muaj cai.

Nws yog ib qho tseem ceeb kom to taub tias avtograzhdanki txhais tau tias koj pov hwm rau peb ob tog. Hais tias yog, kev tuav pov hwm cov nyiaj them yog muab tso rau cov raug mob tog. Nyob rau hauv lwm yam lus, ua tawm MTPL txoj cai, koj raug txim cov neeg tej khoom vaj tse. Yog hais tias koj xav kom raug txim koj lub tsheb, koj yuav tsum tau ntxiv dai txoj cai CASCO.

Kev nqis tes ua nyob rau hauv cov ntaub ntawv ntawm kev huam yuaj

Raws li ib tug tshwm sim, tej kev puas tsuaj rau ib lub tsheb huam yuaj tshwm sim. Nws yuav tau mus thov ob leeg mus tib neeg noj qab haus huv thiab txoj kev tsheb. Yog hais tias koj yuav koom tes nyob rau hauv cov kev huam yuaj, yog thawj zaug uas koj yuav tsum tau ua - yog tsim kom muaj ib qho xwm ceev kos npe rau, hu rau lub tsheb tub ceev xwm thiab thaum muaj xwm ceev tsoom fwv. Nyob rau hauv tsis muaj cov ntaub ntawv yuav tsum tsis txhob txav mus rau lub tsheb.

Kom txog rau thaum lub sij hawm ntawm sij hawm tuaj txog ntawm cov kws txawj yuav tsum tsis txhob tham txog nrog tus thib ob muab kev koom tes sib tsoo nws tshwm sim. Thiab nkag ntawm kev txhaum - nws yog ib lub tsheb tub ceev xwm inspectors (tshwj tsis yog, ntawm chav kawm, tag cuab neeg mob). Nyob rau hauv thiaj li tsis mus nkim sij hawm, cov neeg koom ntawm qhov kev huam yuaj yuav sau nyob rau hauv lub "Notice of qhov kev huam yuaj" thiab kos npe rau nws.

Thaum kawm tiav ntawm lub chaw ua hauj lwm rau ntawm qhov chaw ntawm qhov kev huam yuaj hauv lub tsheb tub ceev xwm yuav tsum muab ib daim ntawv pov, ib tug raws tu qauv thiab ib tug daws teeb meem nyob rau hauv lub txim txhaum nyob rau hauv cov kev huam yuaj. Yog hais tias cov ntaub ntawv tsis muab, nco ntsoov nug tias thaum twg thiab qhov twg yuav ua tau tus tsom xam ntawm koj kev huam yuaj. Yog hais tias koj yog ib tug raug mob tog, tag nrho cov ntaub ntawv yuav tsum tau xyuas kom meej tias koj tau ua cov nyiaj them rau CTP xam.

Ntawm kev tuav pov hwm tuam txhab uas muag

Thaum koj muab ib daim ntawv qhia mus rau lub kev tuav pov hwm cov tuam txhab, raws li zoo raws li tag nrho cov ntaub ntawv tsim nyog, koj yuav tau muab ib hnub los mus taug lub puas ywj siab cov kws muaj txuj. Tom qab soj ntsuam ntawm cov tsheb tsis pub dhau 30 hnub, lub chaw evsaslas yuav tsum ua ib tug txiav txim nyob rau hauv daim ntawv thov. Feem ntau, txawm li cas los, tus txheej txheem yuav ncua thiab txawm lub cuav ntxiv cov ntaub ntawv.

Txawm yog tias koj tsis muaj txim txhaum ntawm qhov kev huam yuaj, koj yuav tsum tau npaj kom txhij rau lub fact tias cov tuav pov hwm tej zaum yuav ho underestimate tus nqi ntawm cov nyiaj them rau CTP. Rosgosstrakh, piv txwv li, nyob rau hauv 2012 los ua tus thawj coj rau qhov tsis kam ntawm cov nyiaj rau kev tuav pov hwm cov kev cai.

Understate kev tuav pov hwm them yuav tsum tsav kev tuav pov hwm, cov tuav pov hwm yuav nyob rau hauv ob peb txoj kev:

- es tsis txhob hloov qhov chaw ntawm lub tsheb yog qhia nyob rau hauv lub raws tu qauv ntsuam xyuas tus nqi ntawm lawv cov kev kho (e.g., bumper tsevneeg);

- siv nyob rau hauv kev ntsuag lub yuav txo tau nyob rau hauv tus nqi ntawm spare qhov chaw vim xav txog lawv coj.

Muaj ntau yuav hais, yog vim li cas lub chaw evsaslas yuav ua li cas yog li ntawd. Cov lus teb yog yooj yim - heev ob peb cov neeg yuav mus rau lub tsev hais plaub los mus tiv thaiv nws cov kev txaus siab, uas txhais tau tias cov kev tuav pov hwm cov tuam txhab yuav cawm tau ib tug lossis loj npaum li ntawm cov nyiaj rau kev them nyiaj.

Yog hais tias koj yeej paub tseeb tias lub chaw evsaslas tshuam understates tiv rau koj los ntawm cov kev tuav pov hwm them yuav tsum tsav kev tuav pov hwm, yuav tsum mus rau lub tsev hais plaub! Ua nws tau tsis tsuas mus rau koj tus kheej, tab sis kuj los ntawm lawv cov neeg sawv cev. Niaj hnub no, tuam txhab uas muag ntawm lub lag luam ntawm xws li ib tug kev pab cuam, zoo nkauj npaum li cas. Nws yog ib qho tseem ceeb rau xaiv ib tug uas tsub ib tug nqi rau lawv cov kev pab tsuas yog tom qab ib tug yeej nyob rau hauv lub tsev hais plaub.

Thiab thaum kawg, kuv nco ntsoov, nyob rau hauv txhua rooj plaub, tsis txhob kho lub tsheb ua ntej tau txais MTPL kev tuav pov hwm them nqi. Txwv tsis pub, nyob rau hauv cov ntaub ntawv ntawm nyob rau hauv-kev them nyiaj, koj yuav tsis pom dab tsi.