{"id":714,"date":"2024-11-24T19:21:07","date_gmt":"2024-11-24T19:21:07","guid":{"rendered":"https:\/\/ekotransportas.lt\/index.php\/2024\/11\/24\/ar-geriau-tureti-dideli-ar-maza-automobilio-draudimo-imoka\/"},"modified":"2024-11-24T19:21:07","modified_gmt":"2024-11-24T19:21:07","slug":"ar-geriau-tureti-dideli-ar-maza-automobilio-draudimo-imoka","status":"publish","type":"post","link":"https:\/\/ekotransportas.lt\/index.php\/2024\/11\/24\/ar-geriau-tureti-dideli-ar-maza-automobilio-draudimo-imoka\/","title":{"rendered":"Ar geriau tur\u0117ti didel\u012f ar ma\u017e\u0105 automobilio draudimo \u012fmok\u0105?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div class=\"wp-block-drive-blocks-standfirst\">\n<p class=\"text-xl leading-8 font-light not-italic font-poppins\">Automobilio draudimo pervir\u0161io padidinimas gali reik\u0161ti ma\u017eesn\u0119 \u012fmok\u0105, bet ar verta? Mes tiriame pasekmes.<\/p>\n<\/div>\n<div class=\"wp-block-drive-blocks-gallery\">\n<figure class=\"wp-container-2 wp-block-gallery-1 wp-block-gallery has-nested-images columns-default is-cropped\">\n<figure class=\"wp-block-image size-large\"><\/figure><figcaption class=\"blocks-gallery-caption\"><i>Nuotrauka: iStock \/ Natalija Dmytrenko<\/i><\/figcaption><\/figure>\n<\/div>\n<p>Automobili\u0173 draudimo i\u0161laidoms ir toliau did\u0117jant, vis daugiau austral\u0173 didina savo pervir\u0161\u012f, kad suma\u017eint\u0173 draudimo \u012fmokas \u2013 ir ekspertai sako, kad tai n\u0117ra baisi id\u0117ja.<\/p>\n<p>\u201eDabar daugiau klient\u0173 renkasi didesnes sumas, o tai padeda suma\u017einti i\u0161ankstines draudimo \u012fmok\u0173 i\u0161laidas\u201c, \u2013 sako Australijos draudimo tarybos (ICA) atstovas. <em>Vairuoti.<\/em><\/p>\n<p><strong>SUSIJ\u0118S: Ar vertas tre\u010diosios \u0161alies automobilio draudimas? \u0160tai nuo\u0161irdi tiesa<\/strong><\/p>\n<p>Vicki Staff, \u201eFinancial Counseling Australia\u201c atstov\u0117, teigia, kad automobilio draudimo i\u0161mokos padidinimas yra paprastas b\u016bdas suma\u017einti nuolatines i\u0161laidas esant finansiniams sunkumams.<\/p>\n<p>\u201eVienas i\u0161 pirm\u0173j\u0173 dalyk\u0173, kuriuos sakome \u017emon\u0117ms, yra padidinti savo pertekli\u0173, prie\u0161 prad\u0117dami visi\u0161kai atsisakyti draudimo\u201c, \u2013 sako darbuotojai. <em>Vairuoti.<\/em><\/p>\n<p>Bet kada draudimo i\u0161mokos padidinimas yra gera ar bloga id\u0117ja? O kokios bus pasekm\u0117s, jei reikia pateikti pretenzij\u0105? Skaitykite toliau, kad su\u017einotum\u0117te. <\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ekotransportas.lt\/index.php\/2024\/11\/24\/ar-geriau-tureti-dideli-ar-maza-automobilio-draudimo-imoka\/#Kas_yra_draudimo_permoka\" >Kas yra draudimo permoka?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ekotransportas.lt\/index.php\/2024\/11\/24\/ar-geriau-tureti-dideli-ar-maza-automobilio-draudimo-imoka\/#Ar_geriau_tureti_dideli_ar_maza_automobilio_draudimo_imoka\" >Ar geriau tur\u0117ti didel\u012f ar ma\u017e\u0105 automobilio draudimo \u012fmok\u0105?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ekotransportas.lt\/index.php\/2024\/11\/24\/ar-geriau-tureti-dideli-ar-maza-automobilio-draudimo-imoka\/#Ka_daryti_jei_negaliu_sumoketi_draudimo_ismokos\" >K\u0105 daryti, jei negaliu sumok\u0117ti draudimo i\u0161mokos?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"h-what-is-an-insurance-excess\"><span class=\"ez-toc-section\" id=\"Kas_yra_draudimo_permoka\"><\/span>Kas yra draudimo permoka?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Draudimo pervir\u0161is yra grynoji suma, kuri\u0105 turite sumok\u0117ti pateikdami pretenzij\u0105, kol j\u016bs\u0173 draudikas prad\u0117s mok\u0117ti \u012fna\u0161\u0105. <\/p>\n<p>Pavyzd\u017eiui, jei turite 500 USD pervir\u0161\u012f ir pateikiate pretenzij\u0105 d\u0117l nelaimingo atsitikimo, d\u0117l kurio esate kaltas, tur\u0117site sumok\u0117ti 500 USD, kad j\u016bs\u0173 draudikas padengt\u0173 bet kok\u012f remont\u0105.<\/p>\n<p>Kartais j\u016bs turite sumok\u0117ti priemok\u0105 tik tada, kai esate kaltas vairuotojas, ta\u010diau pagal kitus teis\u0117s aktus privalote sumok\u0117ti permok\u0105, kad ir kas b\u016bt\u0173 \u2013 tod\u0117l perskaitykite smulkiu \u0161riftu. <\/p>\n<p>\u201eDaugeliu atvej\u0173, kai pateikiate pretenzij\u0105, tur\u0117site sumok\u0117ti permok\u0105, nurodyt\u0105 j\u016bs\u0173 polise\u201c, \u2013 savo svetain\u0117je ai\u0161kina draudimo bendrov\u0117 \u201eAllianz\u201c.<\/p>\n<p>\u201eJei nustatysime, kad j\u016bs nesate kaltas d\u0117l avarijos ir galite pateikti atsakingos \u0161alies duomenis, jums nereik\u0117s mok\u0117ti priemokos. Tur\u0117site gauti i\u0161sami\u0105 informacij\u0105, kuri leist\u0173 mums pagr\u012fstai nustatyti kalt\u0105 asmen\u012f, kad gal\u0117tume susigr\u0105\u017einti i\u0161laidas.<\/p>\n<p>Be to, j\u016bs\u0173 polise gali b\u016bti nurodytas perteklius pagal am\u017ei\u0173, kuris gali b\u016bti taikomas tik tuo atveju, jei transporto priemon\u0117s vairuotojas eismo \u012fvykio metu buvo jaunesnis nei 25 met\u0173.<\/p>\n<h2 id=\"h-is-it-better-to-have-a-high-or-low-car-insurance-excess\"><span class=\"ez-toc-section\" id=\"Ar_geriau_tureti_dideli_ar_maza_automobilio_draudimo_imoka\"><\/span>Ar geriau tur\u0117ti didel\u012f ar ma\u017e\u0105 automobilio draudimo \u012fmok\u0105?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Atsakymas \u012f \u0161\u012f klausim\u0105 priklauso nuo to, ar turite \u201elietingos dienos santaup\u0173\u201c, kad gal\u0117tum\u0117te sumok\u0117ti daugiau, jei patektum\u0117te \u012f nelaiming\u0105 atsitikim\u0105, sako darbuotojai.<\/p>\n<p>Didesnis draudimo pervir\u0161is reik\u0161 ma\u017eesn\u0119 \u012fmok\u0105, o tai tikrai patogu, jei jums niekada nereik\u0117s pareik\u0161ti pretenzij\u0173. <\/p>\n<p>Deja, jei tur\u0117site pateikti pretenzij\u0105, i\u0161 anksto tur\u0117site sumok\u0117ti didesn\u0119 vienkartin\u0119 sum\u0105.<\/p>\n<p>Remiantis palyginama \u201eSubaru Outback\u201c, priklausan\u010dio 35 met\u0173 vyrui, gyvenan\u010diam \u010catsvude, NSW, kaina, 600 USD pervir\u0161is reik\u0161 2014 USD metin\u0119 priemok\u0105.<\/p>\n<p>Ta\u010diau jei padidinsite \u0161\u012f pervir\u0161\u012f iki 2000 USD, metin\u0117 \u012fmoka nukris iki 1452 USD \u2013 tai rei\u0161kia, kad sutaupoma beveik 30 procent\u0173. <\/p>\n<p>Geriausia palyginti ma\u017eesni\u0173 nuolatini\u0173 priemok\u0173 s\u0105naud\u0173 naud\u0105 su galimomis didel\u0117mis i\u0161laidomis.<\/p>\n<p>Ir, b\u016bkime atviri, j\u016bs\u0173 vairavimo istorija grei\u010diausiai bus geras rodiklis, rodantis, ar galite pateikti pretenzij\u0105.  <\/p>\n<h2 id=\"h-what-if-i-can-t-pay-my-insurance-excess\"><span class=\"ez-toc-section\" id=\"Ka_daryti_jei_negaliu_sumoketi_draudimo_ismokos\"><\/span>K\u0105 daryti, jei negaliu sumok\u0117ti draudimo i\u0161mokos?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u201e\u017dinoma, \u017emon\u0117s da\u017enai sako: \u201eJei turiu pareik\u0161ti pretenzij\u0105 ir padidinsiu savo pertekli\u0173, a\u0161 negal\u0117siu sau leisti to pertekliaus\u201c, \u2013 sako darbuotojai.<\/p>\n<p>\u201e\u010cia labai svarbu suprasti savo teises.<\/p>\n<p>Kaip paai\u0161k\u0117jo, turite nema\u017eai galimybi\u0173, jei atsidurtum\u0117te finansin\u0117je kli\u016btyje. <\/p>\n<p>\u201eDraudikams taikomas Bendrasis draudimo praktikos kodeksas, o tai rei\u0161kia, kad jie turi tur\u0117ti procesus, kurie pad\u0117t\u0173 klientams, patiriantiems finansini\u0173 sunkum\u0173\u201c, \u2013 sako ICA atstovas. <em>Vairuoti.<\/em><\/p>\n<p>\u201eJei kas nors, parei\u0161k\u0119s pretenzij\u0105, negali sau leisti sumok\u0117ti viso pervir\u0161io, rekomenduojama susisiekti su savo draudiku ir aptarti galimas galimybes. Tai gali b\u016bti pervir\u0161io i\u0161skaitymas i\u0161 ie\u0161kinio sumos, suma\u017eintos sumos sumok\u0117jimas arba mok\u0117jimas dalimis. Geriausia tiesiogiai pasikalb\u0117ti su draudiku, kad suprastum\u0117te konkre\u010dius susitarimus.<\/p>\n<p>Darbuotojai sako, kad draudikai negali techni\u0161kai atmesti pretenzijos, jei negalite i\u0161 anksto sumok\u0117ti viso pervir\u0161io. Jei taip, ji pataria: \u201ePirmiausia pasisk\u0173skite savo draudikui, nes jie turi savo vidin\u0119 skund\u0173 komand\u0105\u201c.<\/p>\n<p>\u201eJei su tuo niekur nepasieksite, kitas \u017eingsnis yra sk\u0173stis ombudsmenui, kuris vadinamas Australijos finansini\u0173 skund\u0173 institucija (AFCA) \u2013 tai i\u0161 tikr\u0173j\u0173 labai lengva padaryti. Jei j\u016bs\u0173 draudikas atmet\u0117 pretenzij\u0105 d\u0117l \u0161ios prie\u017easties, jie tur\u0117s problem\u0173 d\u0117l to.<\/p>\n<p>Galiausiai Staffas priduria: \u201e\u017dmon\u0117s turi teis\u0119 pasikalb\u0117ti su savo draudiku ir kreiptis d\u0117l finansini\u0173 sunkum\u0173. Jie gali pasakyti savo draudikui \u201eAr galime k\u0105 nors i\u0161spr\u0119sti?\u201c.<\/p>\n<p>\u201eGalite papra\u0161yti susitarimo d\u0117l mok\u0117jimo, kad laikui b\u0117gant j\u012f sumok\u0117tum\u0117te, galite pra\u0161yti prat\u0119sti laik\u0105 arba, jei norite tiesiog gauti atsiskaitym\u0105 grynaisiais i\u0161 savo draudiko, galite papra\u0161yti, kad j\u016bs\u0173 pervir\u0161is b\u016bt\u0173 i\u0161skaitytas i\u0161 j\u016bs\u0173 atsiskaitymo suma\u201c.<\/p>\n<p><strong>DAUGIAU: Draudimo bendrov\u0117s apkaltintos \u201eauk\u0173 kaltinimu\u201c d\u0117l automobilio vagyst\u0117s<\/strong><\/p>\n<p>\u012era\u0161as Ar geriau tur\u0117ti didel\u012f ar ma\u017e\u0105 automobilio draudimo \u012fmok\u0105? pirm\u0105 kart\u0105 pasirod\u0117 Diske.<\/p>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.drive.com.au\/caradvice\/is-it-better-to-have-a-high-or-low-car-insurance-excess\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Automobilio draudimo pervir\u0161io padidinimas gali reik\u0161ti ma\u017eesn\u0119 \u012fmok\u0105, bet ar verta? Mes tiriame pasekmes. Nuotrauka: iStock \/ Natalija Dmytrenko Automobili\u0173 draudimo i\u0161laidoms ir toliau did\u0117jant, vis daugiau austral\u0173 didina savo pervir\u0161\u012f, kad suma\u017eint\u0173 draudimo \u012fmokas \u2013 ir ekspertai sako, kad tai n\u0117ra baisi id\u0117ja. \u201eDabar daugiau klient\u0173 renkasi didesnes sumas, o tai padeda suma\u017einti i\u0161ankstines [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":715,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[69],"tags":[270,1364,1366,1269,1367,1365,832],"class_list":["post-714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automobiliai-automobiliu-apzvalgos","tag-automobilio","tag-dideli","tag-draudimo","tag-geriau","tag-imoka","tag-maza","tag-tureti"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/posts\/714","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/comments?post=714"}],"version-history":[{"count":0,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/posts\/714\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/media\/715"}],"wp:attachment":[{"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/media?parent=714"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/categories?post=714"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekotransportas.lt\/index.php\/wp-json\/wp\/v2\/tags?post=714"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}