ʻO ke kaʻa i pōʻino i ka hale kaʻa - he aha ka mea e hana ai inā pōʻino ke kaʻa?
ʻO nā kūlana kahi e pōʻino ai nā kaʻa i ka wā e noho ana lākou ma kahi kaʻa kaʻa. He aha ka mea e hana ai ke kalaiwa i mea e uku ai no ka poino? E noʻonoʻo pono kākou i kēia pilikia.
Kaʻa: wehewehe
Hiki iā ʻoe ke lohe pinepine i kēlā kaʻa a me ke kaʻa kaʻa like. ʻO ka ʻoiaʻiʻo, ʻo kahi kaʻa kaʻa kahi kahi e waiho ai i kahi kaʻa no ka manawa pōkole, ʻoiai ʻaʻohe uku. ʻO ia hoʻi, inā hele ʻoe ma ke kaʻa i kahi supermarket a i ʻole kahi hale kiʻiʻoniʻoni, a laila waiho i loko o ke kahua kaʻa.
Ma ia mau wahi, hiki iā ʻoe ke ʻike i nā hōʻailona e hōʻike ana ʻaʻole ke kuleana o ka hoʻokele ʻana o ke keʻena a i ʻole ka ʻoihana hoʻolaha no nā kaʻa i waiho ʻia e nā mea nona. Wahi a ke kānāwai, ʻo ka ʻāina wale nō ke pale ʻia, ʻaʻole nā kaʻa e kū ana ma luna. ʻAʻohe kuleana no ka palekana o ka lawe ʻana a me nā mea i loko o ka hale.
Inā mākou e kamaʻilio e pili ana i nā kaʻa kaʻa i uku ʻia, i ʻike ʻia ma nā helu he nui ma Moscow a me nā kūlanakauhale ʻē aʻe, a laila aia ke kuleana me nā kiaʻi, a ʻo ka loaʻa a i ʻole ka coupon no ka uku ʻana i kahi kaʻa kaʻa ka hōʻoia o ke kūlana kānāwai o ke kaʻa ma kēia. wahi.
Nā pōʻino i hana ʻia: he aha ka hana?
Nui nā ʻano pōʻino waiwai i ka mea nona ke kaʻa:
- force majeure: hurricane, kahawai;
- nā hana hooligan;
- ulia kaʻa - kahi kaʻa e hele ana i ʻoki i ka pale a i ʻole i haki ke kukui;
- mismanagement of utilities: a tree fell, a road sign, a pipeline burst.
Inā pōʻino ke kaʻa ma muli o ka hana o nā kumu kūlohelohe ʻaʻole i hilinaʻi i ka mālama ʻole o kekahi, a laila ʻo nā mea nona ke kulekele CASCO wale nō e hiki ke loaʻa ka uku, ke hāʻawi ʻia ka paukū Force Majeure i ka ʻaelike. ʻAʻole noʻonoʻo ʻo OSAGO i nā hanana i hoʻopaʻa ʻia. Inā loaʻa iā ʻoe ka CASCO, e hana e like me nā ʻōlelo aʻoaʻo: hoʻoponopono i ka pōʻino, mai wehe i kekahi mea, e kāhea i ka ʻinikua. Inā he kānalua paha e hoʻokō pono ʻia ka loiloi pōʻino, e ʻoluʻolu e kelepona i ka loea kūʻokoʻa, a mākou i kākau ai.
Inā hāʻule kahi papa hau ma luna o ke kaʻa mai kahi hale e pili ana a i ʻole kahi lāʻau popopo kahiko, e hana penei:
- e kāhea aku i nā mākaʻi, no ka mea ʻo kā lākou kuleana kēia, ʻaʻole nā mākaʻi kaʻa;
- mai hoʻopā i kekahi mea, waiho i nā mea a pau a hiki i ka hiki ʻana mai o ke kapa;
- Na nā mākaʻi e kākau i kahi hōʻike kikoʻī e wehewehe ana i ka pōʻino a me ke ʻano o kā lākou noi;
- E loaʻa pū iā ʻoe kahi palapala hōʻino.
Manaʻo ikaika ʻo Automotive portal vodi.su i ka wā e kau inoa ai i ka protocol, mai ʻae ʻoe i nā paukū e hōʻike ana ʻaʻohe ou koi i kekahi a ʻaʻole nui ka pōʻino iā ʻoe. Hiki ke uku hou ʻia inā he CASCO. Inā loaʻa iā OSAGO wale nō, pono ʻoe e ʻike i ke kuleana o nā lawelawe no kēia wahi a koi iā lākou e uku no ka hoʻoponopono ʻana.
ʻO nā pono aupuni, ma keʻano he kānāwai,ʻaʻole lākou eʻae i ko lākou hewa. I kēia hihia, pono ʻoe e hoʻokaʻaʻike i kahi loea kūʻokoʻa e kiʻi i kahi hana ma ke kumukūʻai o ka hoʻihoʻi ʻana i ke kaʻa. A laila e waiho i kahi hoʻopiʻi me ke kākoʻo o kahi loio kūpono. I ka hihia o ka lanakila ma ka hoʻokolokolo 'ana, e koi 'ia ke keʻena kuleana e uku i nā koina no ka hoʻoponopono, ka mea akamai, a me nā koina kānāwai.
Hoʻohana ʻia ka algorithm like inā i hana ʻia ka pōʻino e nā hooligans: hoʻopaʻa nā mākaʻi i ka ʻoiaʻiʻo a lawe i ka ʻimi. Ma nā wahi kaʻa kaʻa i mālama ʻia, aia kahi manawa e loaʻa ai ka uku mai ka hoʻokele ʻana o ke kikowaena kūʻai ma o nā ʻaha.
ulia kaʻa
Inā pōʻino ke kaʻa e kekahi kaʻa e komo ana a haʻalele paha, ua manaʻo ʻia ka hanana he ulia kaʻa. E pili ana kāu mau hana i ka hopu ʻana i ka mea hewa ma ia wahi a i ʻole ʻo ia i holo.
I ka hihia mua, hiki ke koho i kēia mau koho:
- me ka pōʻino liʻiliʻi, hiki iā ʻoe ke hoʻopuehu me ka ʻole o ka hoʻokumu ʻana i kahi protocol ʻEulopa - ʻae wale ʻoe i kahi ala e uku ai i ka pōʻino;
- europrotocol - hoʻopiha ʻia me ka pōʻino a hiki i 50 tausani rubles a inā he kulekele OSAGO nā mea hoʻokele ʻelua;
- e kāhea aku i ka mākaʻi mākaʻi kaʻa a me ka hoʻopaʻa inoa ʻana i kahi pōʻino e like me nā lula āpau.
A laila, pono ʻoe e kali a hiki i ka uku ʻana o ka hui ʻinikua o ka mea hewa i ke kālā.
Inā holo ka mea hana hewa, ua like kēia me ka haʻalele ʻana i kahi hanana - Art. 12.27 ʻāpana 2 o ke Code of Administrative Offenses (ka hoʻonele ʻana i nā kuleana no 12-18 mahina a i ʻole hopu ʻia no 15 mau lā). Kāhea ka mea ʻeha i nā mākaʻi kaʻa, huki ka mea nānā i kahi pōʻino, ua hoʻoili ʻia ka hihia i nā mākaʻi. Pono nō hoʻi e hana i kāu noiʻi ponoʻī: e nīnauele i nā kānaka, e nānā i nā hoʻopaʻa leo mai nā kiʻi paʻi kiʻi a i ʻole nā mea hoʻopaʻa wikiō, inā he.
Inā, ma muli o nā hana a pau a nā mākaʻi a me ʻoe ponoʻī, ʻaʻole i ʻike ʻia ka mea hewa, ʻaʻole paha e uku kekahi i ka pōʻino. ʻO ia ke kumu e pono ai ke kūʻai aku i kahi kulekele CASCO, no ka mea e uhi ana ia mau hihia a hoʻokuʻu ʻia ʻoe mai ka nui o nā pilikia.
Ke hoʻouka nei…
