Yuav tsum muaj ntawv kho mob: yog dab tsi cov ntaub ntawv uas yuav tsum tau? Yuav tsum sau npe ntawm

Yuav ua li cas yog ib tug CTP, lub npe hu rau txhua txhua lub tsheb tswv, vim hais tias, yam tsawg kawg ib xyoos ib zaug, nws muaj hu rau tus tuav pov hwm cov tuam txhab rau nws tiav. MTPL txoj cai compensates rau lub tsav tsheb nyob rau hauv cov kev tshwm sim ntawm cov kev siv nyiaj tshwm sim los ntawm tsis kaj siab lub sijhawm nyob rau hauv txoj kev, uas yog, xwm txheej, ces nws yog ib qho tseem ceeb uas nyob rau ntawm nws tus kheej yeej ib txwm muaj kev tuav pov hwm CTP. Yuav ua li cas cov ntaub ntawv uas yuav tsum tau thiab ntau npaum li cas yuav tsum tau them - cov lus nug no yeej ib txwm yam. Sim kom to taub.

Yuav ua li cas koj yuav tsum tsim ib txoj cai?

Muaj ntau tsav tsheb xav hais tias sau npe ntawm MTPL kev tuav pov hwm yog txaus kav, tab sis nws tsis yog. Rau lub xaus ntawm daim ntawv cog lus nruab nrab ntawm cov xaiv kev tuav pov hwm cov tuam txhab thiab cov insured yuav tsum tau ib tug xov tooj ntawm cov ntaub ntawv.

Txawm li cas los, lawv yuav tsis muaj ntev kom sau tau thiab siv no muaj nuj nqis heev lub sij hawm, tus tsav tsheb no feem ntau yog ib txwm nrog koj. Yog li ntawd, nyob rau hauv thiaj li yuav nkag mus rau hauv ib daim ntawv cog CTP, koj yuav tsum muab cov nram qab no thawj cov ntaub ntawv.

tsheb cov ntaub ntawv

Qhov no yog feem ntau yog ib daim ntawv pov ntawm kev cuv npe ntawm lub tsheb - HFS (kuj hu ua "liab card"), los yog lub tsheb sau npe cov ntaub ntawv - mts (nyob rau hauv cov neeg - "xiav"). Cov ntaub ntawv qhia tias cov kev cov ntaub ntawv los ntawm lub tsheb, raws li zoo raws li yooj yim cov ntaub ntawv ntawm tus tswv - lub npe, qhov chaw nyob.

Yog leejtwg daim ntawv

Feem ntau nws yog ib tug Lavxias teb sab passport - lub tsheb tswv. Nyob rau hauv rooj plaub no tus insured thiab tus tswv - yog ib tug neeg, lub tuav pov hwm yog tseem yuav tsum tau phau passport.

Dawb paug dhau soj ntsuam tsheb

noj tam sim no kev kev soj ntsuam ntawm lub tsheb, tus tswv ntawm ib diagnostic card, uas muaj cov ntaub ntawv hais txog lub tsheb, lub hnub ntawm rau tam sim no thiab yav tom ntej soj ntsuam. Yuav kom CTP kev tuav pov hwm tau xaus tau lus, koj yuav tsum muaj ib tug siv tau diagnostic daim ntawv. Nws yuav tsum siv tau rau ntawm tsawg kawg yog lwm 24 teev.

Muaj ntau cov neeg tsav tsheb, xav kom koj txuag lawv tus kheej nyiaj, tsis txhob dhau lub soj ntsuam thiab ua kom muaj lub sij hawm mus rau kos nrog rau cov tam sim no CTP kuaj mob, tab sis rau qhov teeb meem ib tug tshiab, los yog tsis nco qab, los yog tsis xav tau. Nco ntsoov hais tias nyob rau hauv cov kev tshwm sim ntawm cov kev huam yuaj, yog hais tias tus database yog tsis muaj ntaub ntawv nyob rau hauv cov kev soj ntsuam ntawm lub tsheb, lub tuav pov hwm cov tuam txhab yuav tsis kam them.

daim ntawv tsav tsheb

Qhov no daim ntawv yog yuav tsum tau, yog hais tias daim ntawv cog lus CTP yog ib tug tsawg daim ntawv teev cov neeg tsav tsheb. Thiab qhov tsim nyog daim ntawv pov ntawm cov neeg tsav tsheb uas yuav tsum tau nkag mus rau hauv lub tuav pov hwm txoj cai. Nyob rau hauv ib tug huab rooj plaub no nws yog tau los muab cov ntawv luam ntawm lawv. Nws yog ib qho tseem ceeb kom paub hais tias cov xov tooj ntawm cov neeg tsav tsheb uas muaj cai tsav tsheb, yuav tsis pub tshaj plaub neeg. Txwv tsis pub, koj muaj peev xwm npaj kev tuav pov hwm tsis muaj kev txwv. Thaum kev tuav pov hwm tsis muaj kev txwv tsav tsheb daim ntawv tso cai yog tsis yuav tsum tau.

Nyob rau hauv tej rooj plaub, cov neeg sawv cev ntawm lub kev tuav pov hwm cov tuam txhab yuav tsum tau ib daim ntawv cog ntawm kev muag khoom los yog lwm yam ntaub ntawv. Tab sis qhov no yog lub kos es txoj cai.

Tsuas yog tom qab txhua yam uas koj yuav tsum tau npaj kom txhij, nws yuav muab MTPL kev tuav pov hwm. Yuav ua li cas cov ntaub ntawv uas yuav tsum tau rau qhov no, koj paub, ces cov teeb meem yuav tsum tshwm sim. Cov tom ntej no lo lus nug uas txawj tshwm sim nyob rau hauv cov tsheb, "Yuav ua li cas tau nyiaj ntau mus ua noj?"

CTP nqi

Library yog tsis yog tus uas pheej yig tshaj, tab sis txoj cai qhov teeb meem yog tseem tsim nyog. Nyob rau hauv cov ntaub ntawv no, nrhiav kev tsav tsheb yuav nyob xeeb dua qub. Tom qab tag nrho, tsis muaj teeb meem yuav ua li cas paub hais tias tus neeg tsav tsheb nyob rau hauv nws cov professionalism, uas twb tsis muaj kev tsav tsheb kev, lub sijhawm no sib txawv. Txawm ib feeb, thaum lub sij hawm uas tus neeg tsav tsheb tau distracted yuav ua nyob rau hauv cov kev huam yuaj. Yog li ntawd cheaper tseem mus muab txoj cai, es them rau kho ntawm lub puas lub tsheb.

CTP nqi ntawm cov sum ntawm lub hauv paus nqi khoo los ntawm tus xov tooj ntawm coefficients. Qhov siab tshaj plaws puag tus nqi rau tej yam ntuj tso neeg yog 4118 rubles, tus nqi qis tshaj 3432. Insurance tuam txhab uas muag muaj txoj cai muab lawv tus kheej los luj, yog li tus nqi ntawm txoj cai tej zaum yuav ib nyuag txawv.

Nyob rau hauv tas li ntawd mus rau lub yam tseem ceeb uas yog npaum li cas mus rau hauv tus account thaum xam xyuas cov nqi ntawm cov kev tuav pov hwm tuam txhab uas muag yuav tsum muaj tus neeg tsav tsheb mus saib, uas yog muab rau nws rau txhua txhua kev huam yuaj-free xyoo nyob rau hauv tus nqi ntawm 5%. Cov ntaub ntawv yog muaj nyob rau hauv ib database thiab tsis yog nyob ntawm seb cov nyiam ntawm insurance. Tam sim no wb tham ntau txog lub coefficients.

Lub coefficients ntawm kev tuav pov hwm tariffs

Cov nram qab no coefficients ntawm kev tuav pov hwm tariffs.

1. Lub ib ncig ntawm lub pre-emptive siv ib lub tsheb.

Txiav txim los ntawm qhov chaw ntawm qhov chaw nyob ntawm tus tswv TC. Mounted rau CTP txoj cai, e.g., Moscow coefficient sib npaug zos rau 2, ntawm Irkutsk 1.7, tab sis nyob rau hauv tsuas 0.6 Sebastopol.

2. Lub hnub nyoog thiab kev tus neeg tsav tsheb.

Yog hais tias tus neeg tsav tsheb yog yau dua 22 xyoo, thiab nws cov kev muaj tsawg kawg yog peb lub xyoos, los yog ib co zoo ntawm cov khoom no nyias, lub siab dua tus nqi siv hauv 1.6-1.8.

3. Tus naj npawb ntawm cov neeg tuaj mus tsav tsheb.

Yog hais tias lub pov hwm txoj cai tsis muab kev txwv nyob rau hauv cov xov tooj ntawm cov neeg tsav tsheb, nws kuj yuav tsub kom cov coefficient yog thov, sib npaug zos rau 1.8.

4. Tsheb fais fab nyob rau hauv HP

Qhov ntau dua lub hwj chim, ntau dua qhov lub coefficient. Piv txwv li, lub coefficient thov rau lub hauv paus tus nqi rau lub tsheb nrog ib tug muaj peev xwm ntawm 135 hp yog 1.4. Mus txog 50 hp - 0.6.

5. sij hawm ntawm qhov kev siv.

Yeej tus tswv xaus MTPL txoj cai rau ib lub xyoo. Qhov zoo tshaj yuav nyob rau hauv cov ntaub ntawv no yog sib npaug zos rau kev sib sau. Tiam sis yog tias koj xaus kev tuav pov hwm rau rau lub hlis, ces yuav tau them 70% ntawm tus nqi ntawm txoj cai rau lub xyoo, piv txwv li, qhov ratio yuav 0.7.

Hais tias yog tag nrho cov yam tseem ceeb uas yog npaum li cas mus rau hauv tus account thaum xam xyuas cov nqi ntawm txoj cai. Tsis txhob hnov qab txog lub uas twb muaj lawm kev. Yog hais tias muaj nyob rau ntawm tus tswv tsev, tab sis nws tsis yog coj mus rau hauv tus account, tej zaum nws yuav tsis yuav siv tau thiab cov kev tuav pov hwm CTP. Yuav ua li cas cov ntaub ntawv uas yuav tsum tau kom paub meej tias lub luv nqi? Tsuas yog ib tug neeg tsav tsheb daim ntawv tso cai los yog yog hais tias tus muaj ntawv kho mob, tsis muaj kev txwv, tus tswv ntawm lub passport ntawm lub tsheb.

Tom qab nyeem ntawv no tsab xov xwm, txhua policyholder yuav nrhiav tau ib tug tseem ceeb cov lus qhia txog tus nqi yam, cov kev cai nyob rau hauv dag zog yuam nyob rau hauv lub tsim ntawm txoj cai. Koj paub yuav ua li cas tsim nyog tshaj plaws - CTP kev tuav pov hwm, yog dab tsi cov ntaub ntawv uas yuav tsum tau, tam sim no kuj paub. Ib tug competent policyholder, leej twg paub txhua yam, yeej tsis khiav mus rau hauv cov teeb meem thaum koj ua kev cai. Thiab dua li, nws ua rau cov hwm ntawm insurance, vim hais tias nrog cob txhua tus neeg yog ib txwm ntxiv qab ntxiag mus rau nrog.