ื“ืœื’ ืœืชื•ื›ืŸ ื”ืจืืฉื™
ืžื•ื ื— ื‘ื™ื˜ื•ื—ื™

ื˜ื•ื˜ืืœ ืœื•ืก

ืื•ื‘ื“ืŸ ื’ืžื•ืจ ืฉืœ ืจื›ื‘ - ื›ืฉืขืœื•ืช ื”ืชื™ืงื•ืŸ ื’ื‘ื•ื”ื” ืžื“ื™ ื•ืœื ื›ื“ืื™ ืœืชืงืŸ.

ื˜ื•ื˜ืืœ ืœื•ืก (Total Loss ื‘ืื ื’ืœื™ืช, ืื• "ืื•ื‘ื“ืŸ ื’ืžื•ืจ" ื‘ืขื‘ืจื™ืช) ื”ื•ื ืžืฆื‘ ืฉื‘ื• ื—ื‘ืจืช ื”ื‘ื™ื˜ื•ื— ืžื›ืจื™ื–ื” ืขืœ ืจื›ื‘ ื›"ืื•ื‘ื“ืŸ ืžื•ื—ืœื˜". ื–ื” ืงื•ืจื” ื›ืฉืขืœื•ืช ื”ืชื™ืงื•ืŸ ื’ื‘ื•ื”ื” ืžื“ื™ ื‘ื™ื—ืก ืœืฉื•ื•ื™ ื”ืจื›ื‘ - ืœืจื•ื‘ ื›ืฉื”ืชื™ืงื•ืŸ ืขื•ืœื” 60-70% ืื• ื™ื•ืชืจ ืžืฉื•ื•ื™ ื”ืจื›ื‘.

ื‘ืžืงืจื” ื›ื–ื”, ื‘ืžืงื•ื ืœืชืงืŸ ืืช ื”ืจื›ื‘, ื—ื‘ืจืช ื”ื‘ื™ื˜ื•ื— ืžืฉืœืžืช ืœืš ืืช ืฉื•ื•ื™ ื”ืจื›ื‘ (ืœืคื™ ืžื—ื™ืจื•ืŸ) ื•ืœื•ืงื—ืช ืืช ื”ืจื›ื‘. ื–ื” ืจืœื•ื•ื ื˜ื™ ืจืง ืœื‘ื™ื˜ื•ื— ืžืงื™ืฃ - ื‘ื™ื˜ื•ื— ืฆื“ ื’ืณ ืœื ืžื›ืกื” ื ื–ืงื™ื ืœืจื›ื‘ ืฉืœืš.

ื“ื•ื’ืžื” ืคืฉื•ื˜ื”:

ืจื›ื‘ ื‘ืฉื•ื•ื™ 80,000 ืฉ"ื— ื ืคื’ืข ื‘ืชืื•ื ื”. ืฉืžืื™ ืžืขืจื™ืš ืืช ืขืœื•ืช ื”ืชื™ืงื•ืŸ ื‘-55,000 ืฉ"ื— (69% ืžืฉื•ื•ื™ ื”ืจื›ื‘). ื—ื‘ืจืช ื”ื‘ื™ื˜ื•ื— ืžื›ืจื™ื–ื” ื˜ื•ื˜ืืœ ืœื•ืก ื•ืžืฉืœืžืช 80,000 ืฉ"ื— ืคื—ื•ืช ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช (ื ื ื™ื— 2,500 ืฉ"ื—) = 77,500 ืฉ"ื—.

ืžืชื™

ืžืชื™ ืžื›ืจื™ื–ื™ื ืขืœ ื˜ื•ื˜ืืœ ืœื•ืก?

ืชืื•ื ื” ืงืฉื”

ื ื–ืง ื ืจื—ื‘ ืœืฉืœื“ื”, ืœืžื ื•ืข ืื• ืœื—ืœืงื™ื ืžืจื›ื–ื™ื™ื ืฉืขืœื•ืช ืชื™ืงื•ื ื ื’ื‘ื•ื”ื”.

ืฉืจื™ืคื”

ืจื›ื‘ ืฉื ืฉืจืฃ ืœืจื•ื‘ ืžื•ื›ืจื– ื›ื˜ื•ื˜ืืœ ืœื•ืก - ื”ื ื–ืง ืœืžืขืจื›ื•ืช ื”ื—ืฉืžืœ ื•ื”ืžื›ื ื™ืงื” ื ืจื—ื‘ ืžื“ื™.

ื”ืฆืคื” ื—ืžื•ืจื”

ืžื™ื ืฉื—ื“ืจื• ืœืžื ื•ืข ืื• ืœืžืขืจื›ืช ื”ื—ืฉืžืœ ื™ื›ื•ืœื™ื ืœื’ืจื•ื ืœื ื–ืง ื‘ืœืชื™ ื”ืคื™ืš.

ื’ื ื™ื‘ื” ืœืœื ืื™ืชื•ืจ

ืื ื”ืจื›ื‘ ื ื’ื ื‘ ื•ืœื ื ืžืฆื ืชื•ืš 30 ื™ื•ื, ืžื›ืจื™ื–ื™ื ืขืœื™ื• ื›ื˜ื•ื˜ืืœ ืœื•ืก.

ื—ื™ืฉื•ื‘

ืื™ืš ืžื—ืฉื‘ื™ื ืืช ื”ืคื™ืฆื•ื™?

ื ื•ืกื—ืช ื”ืคื™ืฆื•ื™

ืฉื•ื•ื™ ื”ืจื›ื‘ (ืžื—ื™ืจื•ืŸ) - ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช - ืขืจืš ืฉืจื™ื“ื™ื* = ื”ืคื™ืฆื•ื™

*ืื ื‘ื—ืจืชื ืœื”ืฉืื™ืจ ืืช ื”ืจื›ื‘

1

ืืคืฉืจื•ืช ืืณ: ื”ื‘ื™ื˜ื•ื— ืœื•ืงื— ืืช ื”ืจื›ื‘

ืจื›ื‘ ื‘ืฉื•ื•ื™ 100,000 ืฉ"ื—. ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช: 2,500 ืฉ"ื—.

ืคื™ืฆื•ื™: 97,500 ืฉ"ื—
ื”ืจื›ื‘: ืขื•ื‘ืจ ืœื—ื‘ืจืช ื”ื‘ื™ื˜ื•ื—
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ืืคืฉืจื•ืช ื‘ืณ: ืฉื•ืžืจื™ื ืืช ื”ืจื›ื‘

ืจื›ื‘ ื‘ืฉื•ื•ื™ 100,000 ืฉ"ื—. ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช: 2,500 ืฉ"ื—. ืขืจืš ืฉืจื™ื“ื™ื: 15,000 ืฉ"ื—.

ืคื™ืฆื•ื™: 82,500 ืฉ"ื—
ื”ืจื›ื‘: ื ืฉืืจ ืืฆืœืš (ืžืงื‘ืœ ืกื˜ื˜ื•ืก "ืื•ื‘ื“ืŸ ื’ืžื•ืจ")
ืื—ืจื™

ืžื” ืงื•ืจื” ืœืจื›ื‘ ืื—ืจื™ ื˜ื•ื˜ืืœ ืœื•ืก?

ืื ื”ื‘ื™ื˜ื•ื— ืœืงื— ืืช ื”ืจื›ื‘

  • ื”ืจื›ื‘ ื ืžื›ืจ ื‘ืžื›ื™ืจื” ืคื•ืžื‘ื™ืช ืื• ืœืคื™ืจื•ืง
  • ืืชื” ืžืงื‘ืœ ืืช ื”ืคื™ืฆื•ื™ ื”ืžืœื
  • ื”ืจื›ื‘ ืžื•ืฆื ืžืจื™ืฉื•ืžืš ื‘ืžืฉืจื“ ื”ืจื™ืฉื•ื™

ืื ืฉืžืจืช ืืช ื”ืจื›ื‘

  • ื”ืจื›ื‘ ืžืงื‘ืœ ืกื˜ื˜ื•ืก "ืื•ื‘ื“ืŸ ื’ืžื•ืจ" ื‘ืจื™ืฉื•ื™
  • ืฆืจื™ืš ืœืขื‘ื•ืจ ื˜ืกื˜ ืื—ืจื™ ืชื™ืงื•ืŸ ื›ื“ื™ ืœื—ื“ืฉ ืจื™ืฉื™ื•ืŸ
  • ืขืจืš ื”ืจื›ื‘ ื™ื•ืจื“ ืžืฉืžืขื•ืชื™ืช (ืกื˜ื™ื’ืžื”)

ืฉื™ืžื• ืœื‘: ืจื›ื‘ ืขื ื”ื™ืกื˜ื•ืจื™ื™ืช ื˜ื•ื˜ืืœ ืœื•ืก ืฉื•ื•ื” ืคื—ื•ืช ื‘ืฉื•ืง ื•ื™ืงืจ ื™ื•ืชืจ ืœื‘ื˜ื—. ื‘ื“ืจืš ื›ืœืœ ืขื“ื™ืฃ ืœืชืช ืœื‘ื™ื˜ื•ื— ืœืงื—ืช ืืช ื”ืจื›ื‘ ืืœื ืื ื™ืฉ ืกื™ื‘ื” ื˜ื•ื‘ื” ืœืฉืžื•ืจ.

ื˜ื™ืคื™ื

ืžื” ืœืขืฉื•ืช ื›ืฉืžื›ืจื™ื–ื™ื ื˜ื•ื˜ืืœ ืœื•ืก

  1. 1
    ื‘ืงืฉื• ืืช ื—ื•ื•ืช ื“ืขืช ื”ืฉืžืื™

    ืืชื ื–ื›ืื™ื ืœืงื‘ืœ ื”ืขืชืง ืฉืœ ื”ืขืจื›ืช ื”ืฉืžืื™. ื‘ื“ืงื• ืืช ื”ืคื™ืจื•ื˜ ื•ืืช ื”ืฉื•ื•ื™ ืฉื ืงื‘ืข.

  2. 2
    ื‘ื“ืงื• ืืช ื”ืžื—ื™ืจื•ืŸ

    ื”ืฉื•ื• ืืช ืฉื•ื•ื™ ื”ืจื›ื‘ ืœืคื™ ืžื—ื™ืจื•ืŸ ื™ืฆื—ืง ืœื•ื™ ืื• ืžื—ื™ืจื•ืŸ ืื—ืจ. ืื ื™ืฉ ืคืขืจ - ื ื”ืœื• ืžืฉื ื•ืžืชืŸ.

  3. 3
    ืฉืงืœื• ืฉืžืื™ ืžื˜ืขืžื›ื

    ืื ืœื ืžืจื•ืฆื™ื ืžื”ื”ืขืจื›ื”, ืืคืฉืจ ืœื”ื–ืžื™ืŸ ืฉืžืื™ ืขืฆืžืื™ (ืขืœื•ืช: 300-600 ืฉ"ื—).

  4. 4
    ื”ื—ืœื™ื˜ื• ืขืœ ื”ืจื›ื‘

    ืœืจื•ื‘ ืขื“ื™ืฃ ืœืชืช ืœื‘ื™ื˜ื•ื— ืœืงื—ืช ืืช ื”ืจื›ื‘. ืฉืžื™ืจื” ื›ื“ืื™ืช ืจืง ืื ื”ื ื–ืง ืงืœ ื™ื—ืกื™ืช ื•ืืชื ืžืชื›ื ื ื™ื ืœืชืงืŸ.

  5. 5
    ื‘ื“ืงื• ืจื›ื‘ ื—ืœื™ืคื™

    ืื ื™ืฉ ืœื›ื ื›ื™ืกื•ื™ ืœืจื›ื‘ ื—ืœื™ืคื™, ื•ื“ืื• ืฉืืชื ืžืงื‘ืœื™ื ืื•ืชื• ืขื“ ืœืกื™ื•ื ื”ื˜ื™ืคื•ืœ ื‘ืชื‘ื™ืขื”.

ืฉืืœื•ืช ื ืคื•ืฆื•ืช

ืฉืืœื•ืช ืขืœ ื˜ื•ื˜ืืœ ืœื•ืก

ืžืชื™ ืžื›ืจื™ื–ื™ื ืขืœ ื˜ื•ื˜ืืœ ืœื•ืก?
ื›ืฉืขืœื•ืช ื”ืชื™ืงื•ืŸ ืขื•ืœื” ืขืœ ืื—ื•ื– ืžืกื•ื™ื ืžืฉื•ื•ื™ ื”ืจื›ื‘ - ืœืจื•ื‘ 60-70%. ื”ื ื•ืกื—ื” ื”ืžื“ื•ื™ืงืช ืžืฉืชื ื” ื‘ื™ืŸ ื—ื‘ืจื•ืช. ืœืžืฉืœ, ืื ื”ืจื›ื‘ ืฉื•ื•ื” 100,000 ืฉ"ื— ื•ืขืœื•ืช ื”ืชื™ืงื•ืŸ 65,000 ืฉ"ื—, ืกื‘ื™ืจ ืฉื™ื•ื›ืจื– ื›ื˜ื•ื˜ืืœ ืœื•ืก.

ื›ืžื” ื›ืกืฃ ืžืงื‘ืœื™ื ืขืœ ื˜ื•ื˜ืืœ ืœื•ืก?
ืžืงื‘ืœื™ื ืืช ืฉื•ื•ื™ ื”ืจื›ื‘ ืœืคื™ ืžื—ื™ืจื•ืŸ (ืžื—ื™ืจื•ืŸ ื™ืฆื—ืง ืœื•ื™ ืื• ืžื—ื™ืจื•ืŸ ืื—ืจ ืฉื ืงื‘ืข ื‘ืคื•ืœื™ืกื”), ืคื—ื•ืช ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช ื•ืคื—ื•ืช ืขืจืš ื”ืฉืจื™ื“ื™ื (ืื ื ืฉืืจื™ื ืืฆืœืš). ื”ืกื›ื•ื ืชืœื•ื™ ื‘ื’ื™ืœ ื”ืจื›ื‘, ืžืฆื‘ื• ื•ืชื ืื™ ื”ืคื•ืœื™ืกื”.

ื”ืื ืืคืฉืจ ืœืขืจืขืจ ืขืœ ื”ื›ืจื–ืช ื˜ื•ื˜ืืœ ืœื•ืก?
ื›ืŸ. ืืคืฉืจ ืœื”ื‘ื™ื ืฉืžืื™ ืžื˜ืขืžืš ืฉื™ืขืจื™ืš ืืช ืขืœื•ืช ื”ืชื™ืงื•ืŸ ื•ืฉื•ื•ื™ ื”ืจื›ื‘. ืื ื™ืฉ ืคืขืจ ืžืฉืžืขื•ืชื™, ืืคืฉืจ ืœื ื”ืœ ืžืฉื ื•ืžืชืŸ ืขื ื—ื‘ืจืช ื”ื‘ื™ื˜ื•ื— ืื• ืœืคื ื•ืช ืœืžืคืงื— ืขืœ ื”ื‘ื™ื˜ื•ื—.

ืžื” ืงื•ืจื” ืœืจื›ื‘ ืื—ืจื™ ื˜ื•ื˜ืืœ ืœื•ืก?
ืฉืชื™ ืืคืฉืจื•ื™ื•ืช: ื—ื‘ืจืช ื”ื‘ื™ื˜ื•ื— ืœื•ืงื—ืช ืืช ื”ืจื›ื‘ (ื•ืžืฉืœืžืช ืืช ืžืœื•ื ื”ืฉื•ื•ื™), ืื• ืืชื” ืฉื•ืžืจ ืืช ื”ืจื›ื‘ ื•ืžืงื‘ืœ ืคื™ืฆื•ื™ ืžื•ืคื—ืช (ืฉื•ื•ื™ ืคื—ื•ืช ืขืจืš ื”ืฉืจื™ื“ื™ื). ืื ืฉื•ืžืจื™ื - ื”ืจื›ื‘ ืžืงื‘ืœ ืกื˜ื˜ื•ืก "ืื•ื‘ื“ืŸ ื’ืžื•ืจ" ื‘ืจื™ืฉื•ื™.

ืžื•ื ื—ื™ื ืงืฉื•ืจื™ื

ื›ื™ืกื•ื™ ื‘ื™ื˜ื•ื—ื™

ืžื” ื ื›ืœืœ ื‘ื‘ื™ื˜ื•ื— ืžืงื™ืฃ

ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช

ื”ืกื›ื•ื ืฉืžื ื›ื™ื ืžื”ืคื™ืฆื•ื™

ื’ื‘ื•ืœ ืื—ืจื™ื•ืช

ื”ืกื›ื•ื ื”ืžืงืกื™ืžืœื™ ืœืคื™ืฆื•ื™

ืคื•ืœื™ืกืช ื‘ื™ื˜ื•ื—

ืชื ืื™ ื”ื›ื™ืกื•ื™ ื‘ืžืงืจื” ื˜ื•ื˜ืืœ ืœื•ืก
ื—ื–ืจื” ืœืžื™ืœื•ืŸ ื”ืžื•ื ื—ื™ื

ืจื•ืฆื” ื”ืฆืขืช ืžื—ื™ืจ ืžื•ืชืืžืช ืื™ืฉื™ืช?

ื”ืฉืื™ืจื• ืฉื ื•ื˜ืœืคื•ืŸ โ€” ื ืฉื•ื•ื” ืขื‘ื•ืจื›ื ื‘ื™ืŸ ื—ื‘ืจื•ืช ื”ื‘ื™ื˜ื•ื— ื”ืžื•ื‘ื™ืœื•ืช. ื—ื™ื ื ื•ืœืœื ื”ืชื—ื™ื™ื‘ื•ืช.

ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ
ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ ื—ื™ื ื