Nyiaj txiag, Kev tuav pov hwm
Yuav ua li cas mus saib tus neeg tsav tsheb ntawm Msc-raws li X-ray: txoj kev rau pem hauv ntej
Feem ntau thaum koj ua ib txoj cai OSAGO yeej yuav hnov xws li ib tug tshaj plaws raws li ib tug "lawm-malus coefficient." Yuav ua li cas yog lub essence ntawm no txhais? Yuav ua li cas yuav nws yuav? Seb nws puas yuav tau paub koj tus kheej? Yuav ua li cas mus saib tus neeg tsav tsheb ntawm Msc-raws li X-ray? Nrhiav cov lus teb rau cov lus nug no yuav pab tau nyob rau hauv no tsab xov xwm.
KBM: lub essence ntawm lub tswvyim ntawm
Cov tswvyim no sawv ntau tsis ntev los - 3 xyoos dhau los. Ces lub xeev xav kom txo tau cov nqi ntawm cov neeg tsav tsheb - namely, los txo tus nqi ntawm kev tuav pov hwm MTPL rau thiaj li hu ua huam yuaj-free tsav tsheb. Nyob rau hauv lwm yam lus, yog hais tias tus tswv tsheb tsis ua lub culprit tsheb huam yuaj thaum lub sij hawm lub kev tuav pov hwm lub sij hawm, nws muaj peev xwm suav tau rau ib qhov nqi ntawm cov luv nqi. Lub volume ntawm cov kev pab rau tus neeg tsav tsheb thiab txiav txim seb tus tib Msc.
ntau ntau yam Msc
Msc yuav noj nyob rau hauv txawv qhov tseem ceeb. Nws nyob rau ntawm lub caij nyoog loj ntawm kev huam yuaj-free tsav tsheb kev. Qhov ntau xyoo lub tswv tsheb tsis tau txais nyob rau hauv cov kev huam yuaj, qhov zoo nws yuav tsum yog rau lub purchase ntawm MTPL txoj cai. Yuav kom pab txiav txim seb tus neeg tsav tsheb tus kheej Msc, yuav kom sawv cev rau cov nram qab no cov lus:
| chav kawm ntawv Msc | Lub coefficient ntawm lawm-malus |
| 13 | 0.5 |
| 12 | 0,55 |
| 11 | 0.6 |
| 10 | 0,65 |
| 9 | 0.7 |
| 8 | 0.75 |
| 7 | 0.8 |
| 6 | 0.85 |
| 5 | 0.9 |
| 4 | 0,95 |
| 3 | 1 |
| 2 | 1.4 |
| 1 | 1,55 |
| 0 | 2.3 |
| M | 2,45 |
Thaum pib ntawm lub tsav tsheb kev yog muab 3 chav kawm ntawv Msc, piv txwv li tej luv nqi tsav tsheb yuav tsis suav. Cov nram qab no xyoo, yuav raug kev huam yuaj-free tsav tsheb, nws yuav yog tus tswv ntawm 4 chav kawm, piv txwv li, tej zaum yuav tsim nyog tau txais rau ib tug 5% luv nqi, thiab hais txog. Nyob rau hauv lwm yam lus, txhua yam zoo xyoo deb luv nqi rau tus purchase ntawm MTPL txoj cai ntau zog los 5%. Thaum lub siab tshaj plaws kev pab ntawm 50% luv nqi mus yuav xam xwb yog hais tias tus tsav tsheb tsis tau txais nyob rau hauv cov kev huam yuaj rau ib xyoo caum los yog ntau tshaj.
Tab sis, Tu siab, lub luv nqi tej zaum yuav tsis tau tsuas yog ua rau kom tab sis kuj txo: qhov ntau kev tuav pov hwm neeg pab leg ntaubntawv, tus loj dua yuav tus nqi ntawm CTP. Yog li ntawd, tshwj xeeb tshaj yog "tsis muaj hmoo" tsheb tswv yuav tau them 2.5 lub sij hawm ntau tshaj li qhov yooj yim nqi ntawm pib kev tuav pov hwm.
Hauv qab no yog ib cov lus uas qhia yuav ua li cas lub Msc chav kawm ntawv nyob ntawm lub xov tooj ntawm tshwm sim ntawm pov hwm xwm txheej.
| Chav kawm ntawv ntawm thaum pib ntawm lub kev tuav pov hwm lub sij hawm | Chav kawm ntawv ntawm lub kawg ntawm lub tuav pov hwm lub sij hawm raws li tus xov tooj ntawm kev tuav pov hwm cov nyiaj them | ||||
| 4 los yog ntau tshaj tus neeg mob | 3 tus neeg mob | 2 tus neeg mob | 1 | 0 mob | |
| M | M | M | M | M | 0 |
| 0 | M | M | M | M | 1 |
| 1 | M | M | M | M | 2 |
| 2 | M | M | M | 1 | 3 |
| 3 | M | M | M | 1 | 4 |
| 4 | M | M | 1 | 2 | 5 |
| 5 | M | M | 1 | 3 | 6 |
| 6 | M | M | 2 | 4 | 7 |
| 7 | M | M | 2 | 4 | 8 |
| 8 | M | M | 2 | 5 | 9 |
| 9 | M | 1 | 2 | 5 | 10 |
| 10 | M | 1 | 3 | 6 | 11 |
| 11 | M | 1 | 3 | 6 | 12 |
| 12 | M | 1 | 3 | 6 | 13 |
| 13 | M | 1 | 3 | 7 | 13 |
Yuav ua li cas mus saib tus neeg tsav tsheb ntawm Msc-raws li SAR rau txhua txhua xyoo
Tu siab, lub xeem qhov chaw ntawm lub cev muaj zog insurance (Rami) tsis yog ib tug tshwj xeeb kev pab cuam uas tso cai rau los mus laij lub luv nqi rau tus purchase ntawm MTPL txoj cai. Qhov tshaj plaws xwb muaj yog mus rau ua - vyshepredstavlennaya rooj. Txawm li cas los, muaj ntau ntau lwm yam websites uas yuav ua rau nws. Piv txwv li, los ntawm txhaj rau ntawm qhov link http://librax.ru/proverka-kbm.html, koj yuav tau yooj yim thiab sai xyuas lub Msc rau lub hauv paus ntawm X-hluav taws xob diffraction rau txhua txhua xyoo.
Ua li no, koj yuav tau ua nyob rau hauv cov nram no:
- lub xov tooj ntawm cov neeg tsav tsheb uas yuav tsum tau tso cai rau tsav kev tuav pov hwm yam khoom;
- lub hnub thaum nws yuav tsum muab ib tug tshiab MTPL kev tuav pov hwm;
- lub npe tag nrho cov neeg tsav tsheb;
- lawv hnub yug;
- daim ntawv tsav tsheb tus xov tooj.
Qhov ntawd tseem yog mus nias rau qhov "kos" khawm, tom qab uas cov ntaub ntawv yuav qhia rau cov neeg siv cov kev nyiam.
Yuav ua li cas mus saib tus neeg tsav tsheb ntawm Msc-raws li X-ray yog hais tias muaj yog ib qho yuam kev
Nws tsis yog ib txwm tau mus tsav tsheb lub sij hawm ua ntej kom tau tus yuav tsum tau cov ntaub ntawv. Yog vim li cas rau qhov no tej zaum yuav 2:
- Tus neeg siv ua ib tug yuam kev nyob rau hauv uas nkag mus rau cov ntaub ntawv. Tshuaj: xyuas tag nrho cov teb rau yuam kev.
- Cov neeg tsav tsheb tau hloov nws lub tsav tsheb daim ntawv tso cai txij li thaum lub purchase kawg MTPL txoj cai. Nyob rau hauv cov ntaub ntawv no, mus saib cov Msc rau lub hauv paus ntawm X-ray ua tsis tau tejyam, cov laus cov ntaub ntawv yuav tsum tau ua tswvcuab "txoj cai."
QAUV ywj siab muab xam
Nrhiav kom paub cov nqi ntawm txoj cai kev tuav pov hwm CTP nyob rau hauv lub xyoo tom ntej yuav pab tau cov hauv qab no piv txwv ntawm tej yam yooj yim xam. Yog li ntawd, cia lub hnub ntawm purchase ntawm no kev tuav pov hwm yog lub kaum ib hlis 11, 2015. Qhov no lub sij hawm tau hais tseg hauv chav kawm ntawv tus nqi thiab ib tug lawm-malus coefficient. Piv txwv li, lawv noj xws indicators: Class 6, lub Msc - 0.85. Yog xav paub dab tsi yuav tau tus nqi rau tus tom ntej lub sij hawm ntawm kev tuav pov hwm, koj yuav tsum tau ua cov nram qab (nyob rau hauv cov lus no yuav, uas yog twb raug nplua saum toj no):
- Saib cov hlua qhov twg cov hoob kawm yog 6, thiab cov CBM - 0.85. Ces, nyob ntawm seb tus xov tooj ntawm kev tuav pov hwm cov nyiaj them nyob rau hauv lub tuav pov hwm lub sij hawm, koj muaj peev xwm txhais tau koj cov chav kawm rau hauv lub tuaj xyoo. Uas yog, yog hais tias peb xav txog qhov tseem ceeb ntawm Piv txwv li, nyob rau hauv lub qhaj ntawv ntawm lub pov hwm kev tshwm sim hauv chav kawm ntawv yog sib npaug zos rau 7 (Msc - 0.8), cov chav kawm ntawv yog sib npaug zos rau 4, nrog ob tug nyob ib kev tuav pov hwm qhov teeb meem no tshwm sim - 2, thaum peb los yog ntau tshaj - M.
- Thaum cov chav kawm ntawv ntawm Msc yuav muab tau yooj yim xam, thiab lub luv nqi rau ib tug tshiab txoj cai ntawm yuav tsum tsav kev tuav pov hwm. Qhov no yuav pab kom cov thawj cov lus nyob rau hauv tsab xov xwm.
Tej no yooj yim manipulations, koj yuav nrhiav tau tawm lub approximate nqi ntawm kev tuav pov hwm tsheb rau lub xyoo tom ntej. Yog hais tias lub xam yog tej teeb meem, qhov zoo tshaj plaws txoj kev nyob rau hauv cov ntaub ntawv no yuav tsum tau soj ntsuam los ntawm cov Msc-raws li PCA nrog kev pab tshwj xeeb. Lawv yuav pab tau sai thiab yooj yim kom daws tau qhov teeb meem.
Peb tam sim no paub yuav ua li cas mus saib hauv lub Msc tsav tsheb raws li PCA. Yog li ntawd xwb tseem mus xav Godspeed tsav tsheb.
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