Txij Lub Xya Hli 1, 2015, kev hloov kho rau txoj cai ntawm txoj kev yuav raug siv rau kev nqis tes ua ntawm cov neeg tsav tsheb thaum muaj tsheb sib tsoo. Txoj cai lij choj muab rau kev muaj peev xwm tawm qhov xwm txheej ntawm kev sib tsoo tsis muaj kev cuam tshuam rau tus neeg tsav tsheb.
Tus tsav tsheb thawj zaug yuav tsis hloov pauv. Ua ntej, koj yuav tsum nres, tig rau ntawm pab pawg xwm txheej ceev thiab teeb tsa daim duab peb sab (phiajcim xwm ceev).
Qhov ob, koj yuav tsum to taub seb puas muaj neeg raug mob.
Muab kev pab rau cov raug mob thiab hu rau lub tsheb tos neeg mob. Thaum muaj kev sib tsoo nrog cov neeg raug mob, kev tshuaj xyuas qhov kev huam yuaj yuav tsis ua yam tsis muaj kev koom tes ntawm tub ceev xwm.
Tom qab hu rau tub ceev xwm, koj yuav tsum coj cov neeg raug tsim txom rau tsev kho mob koj tus kheej (yog tias muaj xwm txheej ceev thiab thaum tsis tuaj yeem xa lawv los ntawm kev thauj mus los).
Yog tias lub tsheb ceev tau thaiv txoj hauv kev kom nws thiaj li tsis yooj yim rau kev tsav tsheb (tsis nyob hauv txoj kab txuas ntxiv, tsis yog ntawm txoj kev - mus rau ib txoj kev twg), tom qab ntawd koj yuav tsum tso txoj kev tsheb dawb, kho daim duab ntawm qhov kev sib tsoo. Nws yuav ua kom yooj yim dua los kho qhov chaw ntawm lub tsheb thiab ib puag ncig tom qab kev sib tsoo. Raws li txoj cai tshiab, cov neeg tim khawv tsis tas, muaj duab txaus, yeeb yaj duab, duab kos, thiab lwm yam.
Lub luag haujlwm los sau cov ntaub ntawv ntawm cov neeg ua pov thawj kev nyab xeeb tseem tsis hloov.
Yuav muaj ntau chav rau kev daws teeb meem kev tsheb sib nraus yog tias tsis muaj leej twg raug mob qhov xwm txheej tsuas yog "hlau nees".
Ua ntej, koj yuav tsum tau ntsuas seb cov tsheb puas cuam tshuam nrog kev hloov ntawm lwm tus. Yog tias qhov xwm txheej yuav tsum tau zam, nws yuav tsum tshem cov tsheb ntawm ntug kev. Nws yog qhov ua tau los kho qhov chaw ntawm kev sib tsoo los ntawm txhua qhov muaj nyob, suav nrog cov duab thiab cov yeeb yaj kiab.
Thib ob, nws yog qhov yuav tsum tau los ntsuas "teev ntsuas ntawm qhov xwm txheej": qhov xwm txheej ntawm kev puas tsuaj, leej twg mus rau qhov twg, leej twg yog tus yuav liam thiab yuav ua dab tsi - txhawm rau sib tham lossis sib ceg.
Cov kev xaiv "sib cav", peb taug txoj hauv kev ntawm txoj kev qub. Peb sau cov ntaub ntawv pov thawj thiab hu rau tub ceev xwm. Tub ceev xwm tseem muaj kev xaiv: lawv tuaj yeem mus txog ntawm qhov chaw muaj xwm txheej ntawm qhov kev sib tsoo, lossis lawv tuaj yeem caw tuaj rau npe ntawm qhov chaw nyob ntawm kev saib xyuas kev tsheb lossis hauv chav tub ceev xwm.
Yog tias koj txiav txim siab "khom nqi", ces nws tsis tas yuav hu rau tub ceev xwm. Muaj peb txoj kev xaiv rau kev nqis tes ua, ntawm kev txiav txim ntawm ob tog:
1. Tsis txhob kos tej ntaub ntawv txog thaum muaj tsheb sib tsoo. Pom zoo ntawm lawv tus kheej uas tshuav leej twg thiab npaum li cas, daws qhov teeb meem ntawm cov nyiaj them rau kev puas tsuaj ntawm qhov chaw.
2. Tsav mus rau kev saib xyuas txoj kev nyob ze lossis mus rau tub ceev xwm sau npe rau kev sib tsoo.
3. Sau daim ntawv sib tsoo ntawm koj tus kheej, qhov tseem hu ua "europrotocol". Cov kev xaiv ua haujlwm yog muaj xwm txheej nrog ob lub tsheb thiab yog tias ob tus tsav tsheb muaj OSAGO txoj cai (nws yog qhov tseem ceeb kom nco ntsoov tias cov nyiaj ntawm kev pov hwm yuav tsis pub tshaj 50,000 rubles).
Cov kev cai tshiab yuav ua rau nws tshem tawm ntawm tub ceev xwm lub luag haujlwm rau npe rau cov xwm txheej tsawg. Vim li cas tos, nkim sijhawm thaum koj tuaj yeem daws txhua yam ntawm qhov chaw thiab tib lub sijhawm nws muaj kev cai lij choj kiag li.
