Izimali, Umshwalense
Indlela hlola umshayeli MSC ezisekelwe ze-X ray: indlela eya phambili
Ngokuvamile lapho wenza OSAGO Inqubomgomo ungezwakala into efana "ibhonasi-malus Coefficient." Kuyini lokhu definition? Angaba kanjani? Kungakhathaliseki kungenzeka ukwazi ngokwakho? Indlela hlola umshayeli MSC ezisekelwe ze-X ray? Thola izimpendulo zale mibuzo kuzokusiza kulesi sihloko.
KBM: ngokuyisisekelo nomqondo
Lo mqondo sekukhona muva nje - Sekwedlule 3 iminyaka. Khona-ke isimo angathanda ukunciphisa izindleko abashayeli - okungukuthi, ukunciphisa izindleko zomshuwalense MTPL ngoba okuthiwa abashayeli ingozi-DRM. Ngamanye amazwi, uma umnikazi imoto akubi le ngozi ibangelwa womgwaqo ngesikhathi komshuwalense, bangathembela ethile isaphulelo. Umthamo izinzuzo umshayeli futhi inquma MSC efanayo.
izinhlobonhlobo MSC
MSC kungathatha kumagugu lahluke. It incike ubukhulu esiqondile ingozi-free ukushayela isipiliyoni. Iminyaka engaphezu umnikazi imoto abakutholanga ngesikhathi kwehla ingozi yomgwaqo, ngcono kuzoba ukuthengwa Inqubomgomo MTPL. Ukusiza ukucacisa abashayeli MSC siqu, ngeke ikuveza etafuleni elandelayo:
| ekilasini MSC | I Coefficient ibhonasi-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 |
Ekuqaleni isipiliyoni ukushayela kunikezwa 3 ekilasini MSC, okungukuthi noma yimuphi umshayeli Isaphulelo awukwazi ukubala. Ngonyaka olandelayo, kuncike ukushayela ingozi-free, uba umnikazi we 4 amakilasi, okungukuthi, ungase ufanelekele 5% isaphulelo, nokunye. Ngamanye amazwi, njalo ngonyaka kude ezinhle Isaphulelo on ukuthengwa Inqubomgomo MTPL kukhuphuke ngo-5%. Ngesikhathi benzuzo 50% isaphulelo izobalwa kuphela uma umshayeli akazange athole ngesikhathi kwehla ingozi yomgwaqo iminyaka eyishumi noma ngaphezulu.
Kodwa, ngeshwa, isaphulelo kungase kwandise nje kuphela kodwa futhi wehlise: izimangalo umshwalense ngaphezulu, siyoba sikhulu izindleko CTP. Ngakho, ikakhulukazi "Kuyishwa" abanikazi imoto kungase kudingeke akhokhe 2.5 izikhathi ezingaphezu kuka izindleko eziyisisekelo yomshuwalense auto.
Ngezansi ithebula ezibonisa indlela isigaba MSC kuye ngenani nesenzakalo imicimbi oVikelwe.
| Class ekuqaleni kwesikhathi umshwalense | Class ekupheleni kwesikhathi umshwalense esekelwe inani izinkokhelo umshwalense | ||||
| Ezimweni 4 noma ngaphezulu | 3 amacala | 2 Ezimweni | 1 uma kwenzeka | 0 amacala | |
| 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 |
Indlela hlola umshayeli SAR MSC esisuselwe unyaka ngamunye
Ngeshwa, indawo esemthethweni Motor izinkampani zomshuwalense (rami) akuyona inkonzo ekhethekile evumela ukubala isaphulelo on ukuthengwa Inqubomgomo MTPL. Into kuphela kukhona ukwenza - etafuleni vyshepredstavlennaya. Nokho, zikhona nezinye amawebhusayithi amaningi ukuthi kungenza kube. Ngokwesibonelo, ngokuchofoza isixhumanisi http://librax.ru/proverka-kbm.html, ungakwazi kalula futhi ngokushesha hlola MSC ngesisekelo-X-ray umumo womsebenzi ngoba unyaka ngamunye.
Ukuze wenze lokhu, kudingeka ugcwalise izinto ezilandelayo:
- inani kutakuba ngubani bavunyelwe ukushayela into umshwalense;
- usuku lapho kulindeleke ukuba ikhiphe umshwalense entsha MTPL;
- Abashayeli igama eliphelele;
- usuku lwabo lokuzalwa;
- nezinombolo zelayisensi yokushayela.
Osalayo uthi uchofoze "uhlole" inkinobho, ngemva kwalokho ulwazi sizobonisa izithakazelo yomsebenzisi le.
Indlela hlola umshayeli MSC ezisekelwe ze-X ray uma kukhona iphutha
Akukhona njalo kungenzeka ukuba abashayeli okokuqala ukuthola idatha edingekayo. Izizathu zalokhu kungenzeka 2:
- Umsebenzisi wenza iphutha lapho ufaka idatha. Isixazululo: uhlole zonke izinkambu ngamaphutha.
- Umshayeli washintsha ilayisensi yakhe yokushayela kusukela ukuthenga inqubomgomo MTPL zokugcina. Kulokhu, ukuhlola MSC ngesisekelo-X-ray kuhlulekile, idatha elidala kufanele kwetfulwe "amalungelo."
ISIBONELO ukubala ezimele
Thola izindleko zomshuwalense Inqubomgomo CTP ngonyaka ozayo kuzosiza isibonelo ngezansi sibalo elula. Ngakho, ake osukwini othenge lokhu umshuwalense Novemba 11, 2015. Le nkathi kuye kwachazwa value ekilasini futhi Coefficient ibhonasi-malus. Ngokwesibonelo, ukuthatha izinkomba ezifana: Class 6, MSC - 0.85. Ukuze uthole ukuthi siyoba yini isilinganiso sesikhathi sika esilandelayo umshwalense, kufanele wenze lokhu okulandelayo (kuleli thebula kuthanda, osuvele esicashunwe ngenhla):
- Buka string lapho ikilasi 6, kanye CBM - 0.85. Khona-ke, kuye ngokuthi isibalo izinkokhelo umshwalense esikhathini umshwalense, ungakwazi ukuchaza eklasini lakho nakulo nyaka omusha. Okusho ukuthi, uma sicabanga amagugu Ngokwesibonelo, ngokungabi bikho kwesamba umcimbi ekilasini ilingana 7 (MSC - 0.8), isigaba ilingana 4, amabili kwelinye isimo umshwalense kwenzeka - 2, lapho ezintathu noma ngaphezulu - M.
- Uma isigaba MSC ingabalwa kalula, futhi isaphulelo inqubomgomo entsha ayimpoqo umshwalense motor. Lokhu kuzosiza etafuleni kuqala isihloko.
Ukwenza lezi manipulations elula, ungakwazi ukuthola izindleko cishe yemoto umshwalense kunyaka ozayo. Uma kubalwa kobunzima, indlela engcono kakhulu kule isimo ihlolwe yi-PCA MSC ezisekelwe namasevisi akhethekile. Bangasiza ngokushesha futhi kalula ukuxazulula le nkinga.
Manje sesiyazi ukuthi ukuhlola MSC umshayeli based PCA. Ngakho-ke uhlala kuphela ufisa Godspeed abashayeli.
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