Ke bokae ho lefella inshorense ea koloi tlas'a CASCO, OSAGO, DSAGO
Ho na le mefuta e 'maloa ea inshorense ea koloi Russia. Mong'a koloi leha e le efe e ngolisitsoeng Russia o tlameha ho tiisa boikarabelo ba hae ba sechaba. Ho thibetsoe ho sebetsa koloi ntle le leano la OSAGO. Leano la OSAGO le tla bitsa bokae?
Litsenyehelo tsa OSAGO li tšoana ho pholletsa le Russia. Sekhahla se tlase ke li-ruble tse 1980 ka selemo. Leha ho le joalo, e ka fapana haholo ho ea holimo ho latela lintlha tse 'maloa:
- mofuta oa koloi le matla a enjene;
- sebaka sa ngodiso;
- lilemo tsa mokhanni, boemo sechabeng;
- phihlelo ea ho khanna, palo ea liketsahalo tsa inshorense nakong e fetileng le palo ea tlōlo ea molao ea sephethephethe.
E 'ngoe le e' ngoe ea lintlha tsena e na le coefficient ea eona, ka ho atisa sekhahla sa motheo le li-coefficients, u ka fumana litšenyehelo tsa selemo le selemo tsa leano la OSAGO. Ka mohlala, mong'a Ford Focus, ea lulang Moscow, ea e-s'o hlahe kotsing, o tla lefa li-ruble tse ka bang 4700-4800 ka selemo bakeng sa OSAGO.
Palo e phahameng ea litefello tlas'a OSAGO ke li-ruble tse likete tse 240, tseo tse likete tse 120 li eang matšelisong bakeng sa kotsi ea bophelo bo botle. Boikoetliso bo bontša hore likete tse 120 li nyenyane haholo haeba u bakile kotsi ho koloi e tsoang linaheng tse ling e theko e boima, ka hona, monyetla oa ho ba le inshorense ea boithaopo e fanoa - "DSAGO". Litsenyehelo tsa pholisi ea DSAGO li itšetlehile ka palo ea litefello tsa inshorense - ho tloha ho likete tse 300 (500 li-ruble) ho ea ho li-ruble tse limilione tse 3 (5000 li-ruble).
Ho phaella ho OSAGO le DSAGO, sehlahisoa se tummeng sa inshorense ke inshorense ea CASCO, e tla lefella tšenyo e bakiloeng ke koloi ea hau, ho sa tsotellehe hore na ke mang ea ikarabellang bakeng sa kotsi. Ho bala litšenyehelo tsa pholisi ea CASCO ho thata haholo, kaha k'hamphani e 'ngoe le e' ngoe ea inshorense e fana ka maemo a eona 'me theko ea inshorense bakeng sa koloi e le' ngoe e ka fapana haholo - ho tloha ho tse supileng ho isa ho tse 20 lekholong tsa theko ea koloi, Moscow ka karolelano - 12 %.
Haeba re bua ka mofuta o tšoanang oa Ford Focus oa 2010, oo hona joale o tla bitsa li-ruble tse likete tse 400 ho isa ho tse 500, joale re tla tlameha ho lefa ho tloha ho tse likete tse 28 ho isa ho tse 80 bakeng sa CASCO. Lik'hamphani tse ngata li fana ka likhetho tse nolofalitsoeng tsa CASCO - inshorense khahlanong le likotsi tse itseng, 'me litšenyehelo tsa pholisi li ka lefshoa ka mekhahlelo.
Ho sa tsotellehe taba ea hore "CASCO" e phethetsoe ka selemo 'me e theko e boima haholo, inshorense ena e tumme haholo. Ho lekane feela ho bala hanyenyane hore na ho lokisoa ho tebileng ka mor'a kotsi ho tla u lefella bokae, 'me u tla utloisisa hore ho molemo ho lefa likete tse 40 tse tšoanang ho feta ho batla chelete e ngata ka makhetlo a mangata hamorao.
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