Qhov xaus ntawm daim ntawv cog lus tuav pov hwm lub tsheb maus taus los ntawm tus tuav pov hwm

Feem ntau, daim ntawv cog lus pov hwm raug txiav tawm los ntawm cov ntawv pov hwm. Qhov no feem ntau yog vim nws pom qhov zoo dua nrog lwm tus neeg tuav pov hwm lossis muag nws ob lub log. Tab sis qee zaum yam tsis ua haujlwm li ntawd. Kev txiav tawm ntawm daim ntawv cog lus pov hwm tsheb maus taus kuj tuaj yeem thov thiab ua los ntawm tus neeg tuav pov hwm nws tus kheej.

Hauv qhov xwm txheej twg tus neeg tuav pov hwm tuaj yeem txiav daim ntawv cog lus pov hwm tsheb maus taus? Raws li cov xwm txheej twg tuaj yeem raug txiav tawm? Yuav ua li cas rau qhov xwm txheej zoo li no? Yuav ua li cas rau cov ntawv pov hwm yog tias qhov kev pov hwm raug txiav lawm? Peb yuav teb tag nrho koj cov lus nug txog kev txiav txim ntawm daim ntawv cog lus kev tuav pov hwm tsheb maus taus los ntawm tus neeg tuav pov hwm.

Tshem tawm ntawm kev tuav pov hwm los ntawm tus neeg tuav pov hwm: yog vim li cas

Nws yog qhov tsawg heev uas tus neeg tuav pov hwm txiav txim siab txiav daim ntawv cog lus kev tuav pov hwm tsheb maus taus, khi rau tus neeg siv khoom. Thaum daim ntawv cog lus ua tiav, cov tuam txhab tuav pov hwm sim khaws cov neeg tau txais kev pab. Tab sis nyob rau hauv tej yam kev mob thiab tej zaum nws yuav muaj cai ua li ntawd. Ntawm no daim ntawv teev cov laj thawj uas tuaj yeem ua pov thawj txiav tawm ntawm kev tuav pov hwm maus taus los ntawm tus neeg tuav pov hwm.

Kev txiav tawm ntawm daim ntawv cog lus kev tuav pov hwm tsheb maus taus thaum tas sij hawm ntawm nws lub sijhawm siv tau

Un Daim ntawv cog lus tuav pov hwm ob lub log tau xaus rau ib lub sijhawm. Ob peb lub lis piam ua ntej hnub kawg, koj yuav tau txais lub sijhawm tshiab thiab kev rov ua dua tshiab yuav nyob twj ywm tshwj tsis yog ib tus ntawm ob tog, tus neeg pov hwm lossis tus neeg tuav pov hwm txiav txim siab txiav tawm daim ntawv cog lus no.

Thaum kawg ntawm daim ntawv cog lus, kev txiav tawm yog ua tau rau ob tus neeg tuav pov hwm thiab tus tuav pov hwm. Hauv lwm lo lus, thaum daim ntawv cog lus xaus, tus neeg pov hwm tuaj yeem xaiv tsis txuas ntxiv nws los ntawm kev xa tsab ntawv txiav tawm. Qhov no kuj yog txoj cai ntawm tus tuav pov hwm. Thiab qhov no tsis tas yuav tsum muaj kev ncaj ncees lossis qhov laj thawj zoo.

Tustus neeg tuav pov hwm yuav xa ib tsab ntawv tuaj rau koj hauv lub sijhawm teem tseg qhia rau koj tias nws tau txiav txim siab tsis rov ua dua koj daim ntawv pov hwm ob lub log thiab hais kom koj mus nrhiav lub tuam txhab pov hwm tshiab.

Kev txiav tawm ntawm daim ntawv cog lus kev tuav pov hwm maus taus rau kev tsis them nyiaj

Yog tias nws yog daim ntawv cog lus siv tau, tus neeg tuav pov hwm yuav xav tau kev txiav tawm ntawm kev tuav pov hwm yog tias tus neeg tuav pov hwm tsis ua tiav nws cov luag num. Peb tab tom tham tshwj xeeb txog tsis them cov nuj nqis.

Hauv lwm lo lus, yog tias tus neeg tuav pov hwm tsis them nws cov nqi them, tus neeg tuav pov hwm yuav tsum xa daim ntawv ceeb toom them nyiaj 10 hnub tom qab hnub teem tseg, nrog rau daim ntawv ceeb toom them nyiaj tsis pub dhau 30 hnub. Yog tias tsis tau them nyiaj tom qab no, nws tuaj yeem txiav txim siab raws li daim ntawv cog lus.

Yog li ntawd, nws yog ib qho tseem ceeb rau cov insured: ua raws li cov nqe lus them nqi uas tau teev tseg hauv daim ntawv cog lus kev tuav pov hwm tsheb maus taus tswj nws txoj kev ntseeg. Thaum muaj teeb meem nyiaj txiag, nws yog ib qho tseem ceeb uas yuav tau hu rau tus neeg tuav pov hwm txhawm rau nrhiav kev sib haum xeeb thiab tswj kev sib raug zoo.

Kev txiav tawm ntawm daim ntawv cog lus kev tuav pov hwm rau maus taus thaum muaj xwm txheej

Kev txiav tawm ntawm kev tuav pov hwm maus taus los ntawm tus neeg tuav pov hwm kuj ua tau thaum muaj xwm txheej. Tab sis raug rau tib qho xwm txheej uas cov lus tau hais nyob rau hauv qhov xwm txheej ntawm kev txiav tawm tau teev tseg hauv daim ntawv cog lus hais.

Yog li, yog tias cov ntawv pov hwm raug pom tias tau qaug cawv, nyob rau hauv kev cuam tshuam ntawm cov tshuaj, lossis yog tias nws tau ua txhaum cai ua rau raug ncua lossis tshem tawm nws daim ntawv tso cai; thiab hais tias cov nqe lus no tau hais nyob rau hauv cov xwm txheej ntawm daim ntawv cog lus; tus neeg tuav pov hwm yuav muaj txoj cai txiav tawm qhov zoo ntawm qhov kev poob no. Nws tsuas yog yuav tsum tau xa daim ntawv pov thawj lees paub daim ntawv txiav tawm lees paub nws daim ntawv txais nyiaj. Yog li ntawd, kev txiav tawm yuav siv tau tom qab 10 hnub.

Zoo paub: yog tias nws tshem tawm daim ntawv cog lus kev tuav pov hwm maus taus, tus neeg tuav pov hwm yuav tsum refund qhov seem ntawm tus nqi ua tswv cuab, txij li hnub kawg ntawm kev txiav tawm mus txog rau hnub tas sij hawm uas tau teev tseg.

Kev txiav tawm ntawm daim ntawv cog lus kev tuav pov hwm rau maus taus vim qhov kev tshaj tawm tsis raug

Kev lees txais daim ntawv cog lus los ntawm tus neeg tuav pov hwm tseem ceeb nyob ntawm cov nqe lus ntawm tus tuav txoj cai. Vim tias nws yog nyob ntawm cov ntaub ntawv no uas nws ntsuas qhov kev pheej hmoo ntawm kev tuav pov hwm, thiab yog tias qhov kev pheej hmoo tau txais, nws tuaj yeem suav tus nqi ntawm cov nyiaj tuav pov hwm.

Yog li, raws li tsab xov xwm L113-8 thiab L113-9 ntawm Insurance Code, tus neeg tuav pov hwm tuaj yeem raws cai thov txiav daim ntawv cog lus pov hwm Yog hais tias nws hloov tawm hais tias tus insured:

• Ua cov lus dag.
• Intentionally rho tawm cov ntaub ntawv.
• Cov ntaub ntawv tsis raug muab.

Yog tias tus neeg tuav pov hwm txiav txim siab tsis txiav, nws muaj ob txoj hauv kev:

• Yog tias pob khoom raug tshawb pom ua ntej qhov kev thov raug tsim, nws tuaj yeem thov kom kho tus nqi them rov qab kom pom qhov kev pheej hmoo tiag tiag.
• Yog tias pob khoom tau pom tom qab nws ploj lawm, nws tuaj yeem txiav tawm ntawm cov nyiaj them tag nrho cov nqi pov hwm uas yuav tsum tau them.

Hauv ob qhov xwm txheej, yog tias tus neeg tuav pov hwm tsis kam, tus neeg tuav pov hwm tuaj yeem txiav tawm daim ntawv cog lus los ntawm kev xa nws tsab ntawv sau npe txiav tawm. Kev txiav tawm yuav siv sijhawm 10 hnub tom qab. Thiab nyob ntawd nws tseem yuav tau xa rov qab cov nyiaj seem, uas yuav tsis siv ua ntej hnub kawg.

Kev txiav tawm daim ntawv cog lus pov hwm tsheb maus taus thaum muaj kev pheej hmoo hloov pauv

Raws li tsab xov xwm L113-4 ntawm Insurance Code, tus neeg tuav pov hwm tuaj yeem txiav txim tau raws li daim ntawv cog lus yog tias nws pom tias qhov nyiaj pab tsis tau raws li qhov kev pheej hmoo them. Los yog nws ntseeg tias qhov kev pheej hmoo nce ntxiv, ua rau tus nqi tam sim no tsis tsim nyog. Yog tias qhov xwm txheej hloov pauv ntawm qhov kev pov hwm, tom kawg yuav tsum tau ceeb toom rau tus neeg tuav pov hwm txog qhov no hauv 15 hnub.

Qhov no tuaj yeem npaj ob txoj kev daws teeb meem :

• Kho koj tus nqi them raws li koj qhov kev pheej hmoo nce.
• Thov kev txiav tawm ntawm daim ntawv cog lus thaum muaj kev tsis lees paub los ntawm tus tuav txoj cai.

Hauv qhov kawg, yog tias qhov kev txiav tawm tshwm sim ua ntej lub sijhawm tas sijhawm, tus neeg tuav pov hwm yuav them rov qab cov nqi ntawm cov nqi them tsis tau siv.

Daim ntawv ceeb toom lub sij hawm nyob rau hauv cov ntaub ntawv ntawm qhov kev txiav txim los ntawm lub insurer

Yog tias tus neeg tuav pov hwm xav txiav tawm daim ntawv cog lus kev tuav pov hwm maus taus thaum tas sij hawm, nws yuav tsum: hwm ob lub hlis ntawv ceeb toom. Hauv lwm lo lus, nws yuav tsum ceeb toom rau tus tuav ntaub ntawv ntawm nws lub hom phiaj ob lub hlis ua ntej qhov kawg ntawm daim ntawv cog lus. Thiab qhov no yog los ntawm cov ntawv sau npe nrog kev lees paub ntawm daim ntawv txais nyiaj.

Nyob rau hauv rooj plaub ntawm qhov kev txiav txim ntawm daim ntawv cog lus pov hwm los ntawm tus neeg tuav pov hwm tom qab nws tas sij hawm tsab ntawv ceeb toom tsis tas yuav tsum yog nws raug cai. Yog tias nws xav txiav tawm daim ntawv cog lus vim tsis ua raws li kev tuav pov hwm lub luag haujlwm, cov lus tsis tseeb, kev sib tsoo lossis kev pheej hmoo nce ntxiv, nws yuav tsum tsuas yog ceeb toom rau tus neeg tuav pov hwm los ntawm kev xa ntawv sau npe nrog kev lees paub ntawm daim ntawv txais nyiaj. Nws yuav siv tau rau hauv 10 hnub.

AGIRA cov ntaub ntawv yog dab tsi?

FICP yog rau tuam txhab nyiaj dab tsi AGIRA yog rau kev pov hwm. Thaum FICP teev tag nrho cov nyiaj qiv rov qab rau ib tus neeg, AGIRA teev tag nrho cov ntawv pov hwm tshem tawm uas tau tshwm sim. Hauv lwm lo lus, qhov no ua ntaub ntawv nrog ib daim ntawv teev cov "phem" insurers.

YUAV ACT, los yog " Insurance Risk Information Management Association ", yog ib cov ntaub ntawv uas sau cov antecdents ntawm ib tug neeg uas tau nkag mus rau hauv ib tug maus taus los yog tsheb daim ntawv cog lus thiab tom qab ntawd txiav nws. Qhov no tso cai rau cov neeg tuav pov hwm tuaj yeem tshawb xyuas tus cwj pwm ntawm cov ntawv pov hwm muaj peev xwm thiab ntsuas qhov kev pheej hmoo uas lawv tsim. Thaum xaus daim ntawv cog lus pov hwm, qhov no kuj ua rau nws muaj peev xwm kwv yees tus nqi ntawm tus nqi them.

Yog li ntawd, yog tias koj tau tso tseg koj daim ntawv pov hwm tsheb maus taus lossis yog tias nws tau muab tso tseg los ntawm koj tus neeg tuav pov hwm, koj yuav raug sau rau AGIRA cov ntaub ntawv. Thiab tag nrho cov ntaub ntawv hais txog koj: tus kheej, cov neeg tuav pov hwm, cov ntsiab lus ntawm cov ntawv cog lus qub, cov ntsiab lus ntawm lub tsheb muaj kev pov hwm, keeb kwm thiab cov laj thawj rau kev txiav tawm, nyiaj ntxiv, kev lav phib xaub, thiab lwm yam. yuav muab khaws cia rau ntawd rau 2 txog 5 xyoos, nyob ntawm seb yog vim li cas. tshem tawm.

Le Cov ntaub ntawv AGIRA muaj qhov cuam tshuam tseem ceeb rau cov neeg tuav pov hwm txoj cai uas tau ua ntaub ntawv. hauv qhov kawg no. Cov tom kawg yuav raug tsis lees paub los ntawm ntau lub tuam txhab tuav pov hwm, thiab thaum qhov no tsis yog li ntawd, cov nqi muab yuav ntau dua li tus nqi rau cov ntawv pov hwm tsis tau teev tseg vim muaj kev pheej hmoo tshwm sim.

Kev tuav pov hwm tsheb maus taus tso tseg los ntawm koj tus neeg tuav pov hwm: yuav ua li cas?

Yog tias koj tus neeg tuav pov hwm txiav txim siab thim koj daim ntawv cog lus kev tuav pov hwm tsheb maus taus, koj muaj ob txoj kev xaiv rau koj:

Koj nyuaj rau qhov kev txiav tawm ntawm daim ntawv cog lus

Hauv qhov no koj yuav tsum tham nrog tus neeg tuav pov hwm thiab hais kom nws rov xav txog nws txoj haujlwm. Yog tias nws txiav txim siab tawm vim tias koj tsis them koj cov nuj nqis raws sijhawm, sim tiv thaiv koj qhov xwm txheej. Ua koj rooj plaub thiab cog lus ua kom tiav koj cov luag num.

Yog tias nws txiav txim siab deregister koj vim yog cov ntaub ntawv tsis tseeb lossis vim muaj kev pheej hmoo ntxiv, sim nrhiav txoj hauv kev dua. Yog tias koj tus neeg tuav pov hwm muab kho koj tus nqi them, yog tias ua tau, txais nws. Txawm li cas los xij, lwm tus neeg koom tes tej zaum yuav muab rau koj tib yam xwm txheej thiab cov nqi rau tib yam kev pheej hmoo.

Koj pom zoo rau kev txiav tawm

Koj tuaj yeem pom zoo rau kev txiav tawm. Tab sis koj yuav tsum paub tias qhov kev txiav txim siab no tuaj yeem muaj qhov tshwm sim loj. Ua ntej, koj yuav tsum tau nrhiav lwm tus neeg tuav pov hwm sai. Vim tias qhov kev txiav tawm yuav siv sijhawm 10 hnub tom qab tau txais tsab ntawv txiav tawm. Yog li ntawd, koj yuav tsum nrhiav kev hloov ua ntej hnub no thiaj li yuav tau siv lub maus taus txuas ntxiv.

Thiab nyob rau theem ob koj yuav xav tau yaum kom tus neeg tuav pov hwm tshiab lees txais koj qhov kev tso npe. Qhov tseeb tias koj tus neeg tuav pov hwm tau txiav txim siab txiav koj daim ntawv cog lus yuav tsis ua siab zoo rau. Qhov no yuav raug kaw rau hauv cov ntaub ntawv nrog AGIRA thiab yuav pom rau txhua lub tuam txhab koj hu. Feem ntau ntawm lawv yuav tsis kam lossis txawm tsis kam kos npe rau daim ntawv cog lus nrog koj. Thiab lwm tus yuav, tab sis hauv kev sib pauv rau cov nqi koom nrog siab.

Txawm li cas los xij, txawm koj qhov kev txiav txim siab, yeej tsis caij maus taus yam tsis muaj insurance.

Yuav ua li cas thiaj tau txais kev pov hwm tom qab txiav tawm ntawm daim ntawv cog lus los ntawm tus neeg tuav pov hwm?

Koj yuav nkag siab nws yuav yog nyuaj rau kev pov hwm tom qab txiav tawm ntawm daim ntawv cog lus los ntawm tus neeg tuav pov hwm. Yog tias koj tsis tuaj yeem kos npe rau daim ntawv cog lus tshiab nrog lwm lub tuam txhab, koj muaj ob txoj hauv kev:

• Koj hu rau lub tuam txhab pov hwm tshwj xeeb. Qee lub tuam txhab tuav pov hwm muaj kev tuav pov hwm rau maus taus tshwj xeeb rau cov neeg uas tau raug txiav tawm los ntawm lawv cov neeg tuav pov hwm lossis cov uas muaj keeb kwm tseem ceeb ntawm kev poob. Tau kawg, koj cov nqi tuav pov hwm yuav zoo dua, tab sis tsawg kawg koj yuav tau txais kev pov hwm thiab muaj peev xwm caij koj lub maus taus. Txoj hauv kev yooj yim tshaj plaws los nrhiav tus neeg tuav pov hwm tsheb maus taus tshiab yog siv tus pov hwm kev pov hwm xws li lecomparateurassurance.com.
• Koj hu rau Central Price Bureau lossis BCT. Nov yog ib lub koom haum uas yuav ua tus neeg nruab nrab ntawm koj thiab tuam txhab tuav pov hwm. Nws yuav ua kom nrhiav tau ib tus neeg tuav pov hwm uas nws yuav teeb tus nqi them. Thiab dhau los ntawm qhov kawg, lub tuam txhab no yuav tsum tau them rau koj.