Osiguranje motornih vozila Kasko

View previous topic View next topic Go down

Osiguranje motornih vozila Kasko

Post  Admin on Tue Nov 24, 2009 1:08 pm

Osnovne karakteristike i značaj

Industrija motornih vozila, posebno automobilska industrija, jedna je od vodećih grana na polju naučnog, tehnološkog, tehničkog i organizacionog istraživanja. Ove industrijske grane imaju veliki uticaj na razvoj svetske, pa i nacionalne industrije. Automobilska industrija utiče na ekonomski razvoj pojedinih zemalja, u njoj se zapošljavaju milioni ljudi, a svijetom se kreće stotine miliona motornih, odnosno putničkih vozila. Sve je to povezano sa osiguranjem motornih vozila. Osiguranje motornih vozila ima poseban značaj u razvoju osiguranja. Polje razvoja osiguranja limitirano je razvojem motorne, odnosno automobilske industrije.
Zajedničke osobine osiguranja svih motornih vozila su:

- pokriva gubitak vozila,
- isključuje transportne rizike,
- primjenjuje se sastav bonusa i malusa,
- materijalne štete se brzo rješavaju .
Opasnosti koje su pokrivene su:
- slučajna oštećenja vozila
- zlonamjerna oštećenja vozila
- krađa
- požar
- tjelesne povrijede trećih osoba.
Isključenja iz osiguranja motornih vozila se uglavnom odnose na korišćenje motornih vozila a to su:
- vožnja pod uticajem alkohola,
- korišćenje vozila za utrke,
- nezakonita upotreba vozila,
- snižavanje tečnosti u hladnjaku,
- štete na motoru zbog gubitka ulja i sl.

2. Podjela i vrste osiguranja motornih vozila
Prilikom podjele osiguranja rekli smo da se ono dijeli na osiguranje imovine i osiguranje lica. U sastavu osiguranja imovine nalazi se i osiguranje motornih vozila, odnosno putničkih automobila.
Osiguranje motornih vozila dijelimo na dvije grupe:

1. kasko osiguranje i
2. osiguranje od odgovornosti (obavezno osiguranje).
2.1. Kasko osiguranje

Kada se govori o kasko osiguranju motornih vozila, misli se na dobrovoljno osiguranje koje se reguliše ugovorom o osiguranju između osiguravača i osiguranika. To znači da zavisi od volje stranaka da li će stupiti u odnos u konkretnom slučaju, kasko osiguranja motornih vozila.
Pod kasko osiguranjem motornog vozila kod nas podrazumijevamo osiguranje samog vozila u čiji sastav dolazi još osiguranje alata, pribora i rezervnih dijelova.
Kod kasko osiguranja motornih vozila obično postoje dva osnovna tipa osiguranja: potpuno osiguranje i djelimično osiguranje.
Potpunim kasko osiguranjem obuhvaćeni su slijedeći rizici:

1. saobraćajne nezgode,
2. požar, eksplozija, oluja, grad, udar groma, snažna lavina, pad letjelica i sl.
3. krađa, razbojnička krađa
4. prevara, utaja i sl. Za vozila koja se izdaju u najam
5. troškovi nastali prilikom spasavanja vozila, troškovi vuče havarisanog vozila i dr.
Djelimičnim kasko osiguranjem mogu se obuhvatiti sledeći rizici:
1. požar, udar groma, eksplozija, oluja, krađa
2. lom stakla na motornom vozilu, kao i štete koje bi mogle biti prouzrokovane od divljači i domaćih životinja,
3. troškovi šlepanja vozila, odnosno prevoz vozila i putnika od mjesta udesa do prebivališta.
Značajno je napomenuti da je uobičajeno da su sva vozila za koja se može zaključiti kasko osiguranje, izuzevši posebne oblike osiguranja, razvrstana u slijedeće grupe premija:

- putnički automobili,
- teretna vozila,
- autobusi,
- vučna vozila,
- specijalna motorna vozila,
- priključna vozila,
- motorna vozila inostrane registracije,
- vozila na popravci,
- radna vozila,
- šinska vozila.

Pri tome se, naravno, propisuju posebni modaliteti kasko - osiguranja za pojedine, prethodno pomenute, vrste motornih vozila.
Kod ovog osiguranja maksimalna obaveza osiguravača po štetnom događaju je suma osiguranja koja ne može biti veća od stvarne vrijednosti vozila na dan likvidacije štete, u koliko se radi o totalnoj šteti, odnosno od ugovorene sume, koja se može korigovati u skladu sa ugovorom o osiguranju. U slučaju nastanka djelimične štete vozila i dalje ostaje osigurano. U slučaju totalne štete na osiguranikovom vozilu, osiguranje prestaje nakon isplate naknade štete. Institut bonusa i malusa nalazi svoju punu primjenu kod osiguranja auto – kaska. Ukoliko je vozilo bilo bez prekida osigurano najmanje godinu dana i ako osiguranik u tom vremenu nije primio naknadu iz osiguranja, odobrava mu se popust u premiji na to vozilo u slijedećoj godini. Ovakva vid bonusa se odobrava za one osiguranike koji imaju osigurano do pet vozila. Za one koji imaju šest i više kasko osiguranih vozila, bonus se odobrava u zavisnosti od postignutog tehničkog rezultata u proteklih tri godine. Uobičajeno je da se u okviru potpunog kasko osiguranja obuhvata i rizik krađe automobila. Rizik krađe putničkog vozila se ugovara samo uz potpuni kasko, i to u vidu dopunskog rizika, tj. Plaća se poseban doplatak uz odgovarajuću premiju za puni kasko. Uslov da se zaključi potpuni kasko, sa rizikom krađe je i postojanje alarmnog uređaja kao uslova za zaključenje ugovora. Glavni uzrok koji vlasnike motornih vozila odbija od ovakve vrste osiguranja jeste shvatanje da je kasko osiguranje privilegija dobrostojećih i onih koji imaju nove i skupe automobile. Važno je naglasiti da kasko osiguranje automobila rješava „milion“ svakodnevnih situacija koje se pretvaraju u veliki problem, u koliko nismo pripremljeni na njih.

. Kasko osiguranje
Kada se govori o kasko osiguranju motornih vozila, misli se na dobrovoljno osiguranje koje se reguliše ugovorom o osiguranju između osiguravača i osiguranika. To znači da zavisi od volje stranaka da li će stupiti u odnos u konkretnom slučaju, kasko osiguranja motornih vozila.
Zašto spominjem kasko osiguranje kad ono ne spada u obvezno osiguranje? Pojašnjavanje pojma dopunskog osiguranja bitno je zbog toga da bi se jasno razgraničili pojomovi obveznog i dopunskog osiguranja i sve što dolazi u vezu sa njima.
Pod kasko osiguranjem motornog vozila kod nas podrazumijevamo osiguranje samog vozila u čiji sastav dolazi još osiguranje alata, pribora i rezervnih dijelova.
Kod kasko osiguranja motornih vozila obično postoje dva osnovna tipa osiguranja: potpuno osiguranje i djelimično osiguranje.
Potpunim kasko osiguranjem obuhvaćeni su slijedeći rizici:
1. prometne nezgode,
2. požar, eksplozija, oluja, grad, udar groma, snažna lavina, pad letjelica i sl.
3. krađa, razbojnička krađa
4. prevara, utaja i sl. Za vozila koja se izdaju u najam
5. troškovi nastali prilikom spasavanja vozila, troškovi vuče havarisanog vozila i dr.
Djelimičnim kasko osiguranjem mogu se obuhvatiti sledeći rizici:
1. požar, udar groma, eksplozija, oluja, krađa
2. lom stakla na motornom vozilu, kao i štete koje bi mogle biti prouzrokovane od divljači i domaćih životinja,
3. troškovi šlepanja vozila, odnosno prevoz vozila i putnika od mjesta udesa do prebivališta.
Značajno je napomenuti da je uobičajeno da su sva vozila za koja se može zaključiti kasko osiguranje, izuzevši posebne oblike osiguranja, razvrstana u slijedeće grupe premija:
- putnički automobili,
- teretna vozila,
- autobusi,
- vučna vozila,
- specijalna motorna vozila,
- priključna vozila,
- motorna vozila inostrane registracije,
- vozila na popravci,
- radna vozila,
- šinska vozila.
Pri tome se, naravno, propisuju posebni modaliteti kasko - osiguranja za pojedine, prethodno pomenute, vrste motornih vozila.
Kod ovog osiguranja maksimalna obveza osiguravača po štetnom događaju je suma osiguranja koja ne može biti veća od stvarne vrijednosti vozila na dan likvidacije štete, u koliko se radi o totalnoj šteti, odnosno od ugovorene sume, koja se može korigovati u skladu sa ugovorom o osiguranju. U slučaju nastanka djelimične štete vozila i dalje ostaje osigurano. U slučaju totalne štete na osiguranikovom vozilu, osiguranje prestaje nakon isplate naknade štete. Institut bonusa i malusa nalazi svoju punu primjenu kod osiguranja auto – kaska. Ukoliko je vozilo bilo bez prekida osigurano najmanje godinu dana i ako osiguranik u tom vremenu nije primio naknadu iz osiguranja, odobrava mu se popust u premiji na to vozilo u slijedećoj godini. Ovakva vid bonusa se odobrava za one osiguranike koji imaju osigurano do pet vozila. Za one koji imaju šest i više kasko osiguranih vozila, bonus se odobrava u zavisnosti od postignutog tehničkog rezultata u proteklih tri godine. Uobičajeno je da se u okviru potpunog kasko osiguranja obuhvata i rizik krađe automobila. Rizik krađe putničkog vozila se ugovara samo uz potpuni kasko, i to u vidu dopunskog rizika, tj. Plaća se poseban doplatak uz odgovarajuću premiju za puni kasko. Uslov da se zaključi potpuni kasko, sa rizikom krađe je i postojanje alarmnog uređaja kao uslova za zaključenje ugovora.
Glavni uzrok koji vlasnike motornih vozila odbija od ovakve vrste osiguranja jeste shvatanje da je kasko osiguranje privilegija dobrostojećih i onih koji imaju nove i skupe automobile. Važno je naglasiti da kasko osiguranje automobila rješava „milion“ svakodnevnih situacija koje se pretvaraju u veliki problem, u koliko nismo pripremljeni na njih.

lektira, studentski, poslovna, megatrend, diplomski radovi , magistarski radovi, maturalni radovi, diplomski rad, eseji, maturski radovi, seminarski radovi, diplomski radovi, master radovi, magistarski radovi, domaci radovi, domaci zadaci, projekti, maturalni, maturalne radnje, seminarski, maturski, diplomski, ekonomija, ekonomski, pravo, prava, menadzment, marketing, instalacija, tutorijal, tutorijali, tutorial, baze, baza, sistemi, informatika, ekonomika preduzeca, analiza, racunovodstvo, bankarstvo, osiguranje, spoljnotrgovinsko poslovanje, poreski sistem, politika, inteligencija, psihologija, sociologija, geografija, etika, kultura, fizika, seminarski rad, maturski rad uticaj religije na kulturu ilijada i odiseja lektira može li malo preduzeće imati monopolni položaj na tržištu ekonomija i pravo novac osnove menadzmenta knjiga srbija upravljanje promotivnim aktivnostima na primeru preduzeća hamlet zakljucak lik sonje iz lektire ujka vanja sonja lik iz ujka vanje Kasko Osigurananje

http://www.maturskiradovi.net/srb/citaonica/osiguranje-motornih-vozila-kasko.html

Admin
Admin

Posts : 227
Join date : 2008-06-25

View user profile http://www.maturskiradovi.net

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:06 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.
vibrator
six times a day

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:06 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.
vibrator
six times a day

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:07 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:07 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:07 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:07 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:08 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:08 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:08 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:08 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:08 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:09 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:09 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:09 am

Skin Lightening Creams & Bleaching Products

It's a common problem: darkened, discolored skin with patches of uneven tones. Whether it's caused by overexposure to the sun, pregnancy hormones, or just due to hereditary causes, darkened skin is still an annoyance that can adversely affect your self esteem and your happiness in social situations. Recent advances in products that are designed to lighten and brighten the skin now provide options in treatment for uneven and discolored skin. While most skin lightening products are in the form of creams, skin lightening supplements that are taken orally are also available.

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:10 am

Diamond Rings

Thanks for visiting DiamondRings.org! This is where you will find all of the Diamond Rings you can't find anywhere else, including Gold Diamond Rings and Engagement Diamond Rings. No matter what your needs are you will be able to find the right products, accessories, colors and brands at the lowest prices online here at DiamondRings.org. It is our goal to ensure that your shopping needs are met and to provide you with the widest selection available online in an easy to operate user interface. Start shopping securely and safely online at DiamondRings.org now!
jared jewelers
Chanel J12 Diamond White Ceramic replica

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  patuan89 on Fri Dec 24, 2010 2:10 am

Diamond Rings

Thanks for visiting DiamondRings.org! This is where you will find all of the Diamond Rings you can't find anywhere else, including Gold Diamond Rings and Engagement Diamond Rings. No matter what your needs are you will be able to find the right products, accessories, colors and brands at the lowest prices online here at DiamondRings.org. It is our goal to ensure that your shopping needs are met and to provide you with the widest selection available online in an easy to operate user interface. Start shopping securely and safely online at DiamondRings.org now!
jared jewelers
Chanel J12 Diamond White Ceramic replica

patuan89

Posts : 123
Join date : 2010-12-23

View user profile

Back to top Go down

Re: Osiguranje motornih vozila Kasko

Post  Sponsored content Today at 9:00 am


Sponsored content


Back to top Go down

View previous topic View next topic Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum