Kev nyab xeeb MTPL yog qhov yuav tsum them rau txhua tus neeg tsav tsheb hauv Lavxias, thiab yog li ntawd cov nyiaj pov hwm zoo ib yam nyob hauv txhua cheeb tsam. Txawm hais tias cov nqi hloov mus rau lub sijhawm, cov ntsiab cai ntawm kev suav cov kev pov hwm tseem zoo ib yam. Thiab nws yooj yim heev los laij cov nqi no koj tus kheej kom thiaj li npaj tau txhij thaum xaus kev pom zoo nrog tus neeg sawv cev.
Cov Lus Qhia
Kauj ruam 1
Siv tus nqi pib. Nws tau txiav txim siab nyob ntawm hom ntawm lub tsheb, ntxiv rau nws lub koom nrog ib tus neeg lossis ib lub koomhaum kev cai. Yog li ntawd, muaj ib cov lus qhia ntawm cov nqi se hauv theem pib (TB). Cia peb hais tias qhov no yog lub tsheb tavxij, tom qab ntawd tus nqi yog 2965 rubles, uas nws kim dua tus nqi tsheb thauj neeg (1980 rubles). Qhov sib txawv no yog vim los ntawm cov txheeb cais ntawm tsheb tavxij koom nrog kev sib tsoo.
Kauj ruam 2
Txheeb xyuas qhov coefficient ntawm thaj chaw (Kt). Yog tias koj yog tus kheej, ces nws tau txiav txim siab los ntawm koj qhov chaw nyob. Hauv Moscow - qhov coefficient yog 2, rau lwm cov hauv zos cov coefficients tau teeb tsa hauv cov lus ntawm coefficients ntawm thaj chaw.
Kauj ruam 3
Teem cov naj npawb ntawm cov neeg tsav tsheb (Kv) siv lub tsheb. Tej zaum nws yuav yog daim ntawv txwv rau qee tus lej, lossis tsis muaj. Tus coefficient no yog hu ua - "coefficient nyob ntawm seb muaj cov ntaub ntawv nyob ntawm cov neeg tau tso cai tsav tsheb". Yog tias tsis muaj kev txwv - 1, 7, yog tias cov neeg tsav tsheb tsawg tsawg - 1.
Kauj ruam 4
Txheeb xyuas qhov coefficient - (Kvs), i.e. muaj hnub nyoog thiab kev paub. Yog tias tsis muaj kev txwv txog tus naj npawb ntawm cov neeg tsav tsheb, ces tus sib tshooj yog 1. Qhov kev pabcuam ntev yog txiav txim siab los ntawm hnub tim ntawm qhov teeb meem ntawm daim ntawv tso cai tsav tsheb. Kev ntsuas kev sib piv ntawm cov coefficients: - tus tsav tsheb uas muaj hnub nyoog qis dua 22 xyoo, kev paub txog txog 3 xyoos suav nrog, coefficient - 1, 7;
- tus tsav tsheb tsis dhau 22 xyoos suav nrog, ntau dua 3 xyoos ntawm kev paub - 1, 3;
- tus neeg tsav tsheb tshaj 22 xyoos ntawm kev paub ntev txog 3 xyoo suav nrog - 1, 5;
- tus neeg tsav tsheb uas muaj hnub nyoog tshaj 22 xyoos, ntau dua 3 xyoos ntawm kev paub - 1, 0. Yog tias muaj ntau tus neeg tso cai, nrog qee qhov yuav tsum tau ua, ces qhov siab tshaj ntawm qhov sib npaug yog coj ua lub hauv paus.
Kauj ruam 5
Xam cov coefficient - (Km), uas nyob ntawm lub zog lub cav, ua haujlwm hauv lub zog lossis hauv kilowatts. Lub hwj chim yog qhia hauv daim ntawv hla tsheb lossis hauv nws daim ntawv pov thawj rau npe. Lub zog faib khoom: - txog 50 hp Qhov coefficient yog - 0, 6;
- 51 - 70 hp Qhov coefficient yog - 0, 9;
- 71 - 100 coefficient yog - 1.0;
- 101 - 120 coefficient yog sib npaug rau - 1, 2;
- 121 - 150 coefficient yog sib npaug rau - 1, 4;
- txij li 151 - 1, 6.
Kauj Ruam 6
Txheeb xyuas qhov sib tshooj - (Kbm), uas nyob ntawm seb puas muaj kev them nyiaj rau OSAGO. Muaj qee yam kev fajseeb khomob: - thawj xyoo kev fajseeb - hoob 3, coefficient 1.
- rau txhua xyoo ntawm kev tuav pov hwm yam tsis tau them nqi, i.e. tsis muaj xwm txheej, thiab lwm yam. chav kawm yog tsa los ntawm ib kauj ruam thiab luv nqi 5% yog tau ua. Chav kawm kawg yog 13, tus coefficient yog 0, 5. Cov chav kawm siab tshaj yog "M", qhov coefficient yog 2, 45. Thaum xaus daim ntawv cog lus rau 1 xyoo, tus nqi kho mob OSAGO kev tuav pov hwm = TB? kvs? kt? Kbm.
