ʻEhia ke kumu kūʻai no ka mālama ʻana i kahi kaʻa ma lalo o CASCO, OSAGO, DSAGO

Nui nā ʻano ʻinikua kaʻa ma Rusia. Pono ka mea nona ka kaʻa i hoʻopaʻa inoa ʻia ma Rusia i kāna kuleana kīwila. ʻAʻole ʻae ʻia ka hana ʻana i kahi kaʻa me ka ʻole o kahi kulekele OSAGO. ʻEhia ke kumukūʻai o ke kulekele OSAGO?

Ua like ke kumukūʻai o OSAGO ma Rusia. ʻO ka palena iki he 1980 rubles i kēlā me kēia makahiki. Eia nō naʻe, hiki ke loli nui i luna ma muli o kekahi mau kumu:

• ʻano kaʻa a me ka mana ʻenekini;
• māhele o ka hoʻopaʻa inoa;
• makahiki o ke kalaiwa, kūlana pilikanaka;
• ʻike kaʻa kaʻa, ka nui o nā hanana i hoʻopaʻa ʻia i ka wā i hala a me ka nui o nā hewa kalaiwa.

Loaʻa i kēlā me kēia o kēia mau kumu kona helu ponoʻī, ma ka hoʻonui wale ʻana i ka helu kumu a me nā coefficients, hiki iā ʻoe ke kiʻi i ke kumukūʻai makahiki o ke kulekele OSAGO. Eia kekahi laʻana,ʻo ka mea nona ka Ford Focus, e noho ana ma Moscow,ʻaʻole i loaʻa mua i kahi pōʻino, e uku i ka 4700-4800 rubles i ka makahiki no OSAGO.

ʻO ka nui o nā uku ma lalo o OSAGO he 240 tausani rubles, kahi o 120 tausani e hele ai i ka uku no ka pōʻino i ke olakino. Hōʻike ka hoʻomaʻamaʻa ʻana he liʻiliʻi loa ka 120 tausani inā ua hōʻeha ʻoe i kahi kaʻa haole pipiʻi, no laila, hāʻawi ʻia ka hiki o ka ʻinikua kuleana manuahi - "DSAGO". ʻO ke kumukūʻai o ke kulekele DSAGO e pili ana i ka nui o nā uku inikua - mai 300 tausani (500 rubles) i 3 miliona rubles (5000 rubles).

Ma waho aʻe o OSAGO a me DSAGO, he ʻinikua kaulana ʻo CASCO, kahi e hoʻopaʻi ai i ka pōʻino i hana ʻia i kāu kaʻa, ʻoiai ʻo wai ke kuleana o ka ulia. ʻOi aku ka paʻakikī o ka helu ʻana i ke kumukūʻai o kahi kulekele CASCO, no ka mea, hāʻawi kēlā me kēia ʻoihana ʻinikua i kona mau kūlana ponoʻī a hiki ke ʻokoʻa ke kumukūʻai o ka ʻinikua no ka kaʻa like - mai ʻehiku a 20 pakeneka o ke kumukūʻai o kahi kaʻa, ma Moscow ma ka awelika - 12 %.

Inā mākou e kamaʻilio e pili ana i ka hoʻohālike kaulana Ford Focus o 2010, e kūʻai ana i kēia manawa mai 400 a 500 tausani rubles, a laila pono mākou e uku mai 28 tausani a 80 tausani no CASCO. Hāʻawi ka nui o nā hui i nā koho CASCO maʻalahi - ʻinikua e kūʻē i kekahi mau pilikia, a hiki ke uku ʻia ke kumukūʻai o ke kulekele i nā uku.

ʻOiai ʻo ka "CASCO" i hoʻopau ʻia no hoʻokahi makahiki a he kumukūʻai nui, kaulana loa kēia ʻinikua. Ua lawa wale ka helu ʻana i ka nui o ka hoʻoponopono koʻikoʻi ma hope o kahi ulia pōpilikia, a e hoʻomaopopo ʻoe ʻoi aku ka maikaʻi o ka uku ʻana i ka 40 tausani ma mua o ka ʻimi ʻana i kahi kālā i nā manawa he nui ma hope.

Ke hoʻouka nei…