Wazee wa ‘Road Trip’ mpo?

[John7371]

Mkuu comprehensive ina umuhimu sana, hata kama wewe unaendesha vizuri na kuzingatia yote atatokea mlevi atakubutua na hana insurance kabisa. Hapa ndio utaona umuhimu wa kuwa na comp cover.

Tanzania kuna maigizo ya Bima mkuu 😁 😁 😁 😁 ,Gari inapata ajali alafu huo usumbufu wake utadhania ulikuwa unapewa bure-Policy za insurance karibia zote duniani zinafanana ila treatment ni tofauti kabisa kati ya nchi na nchi.Kwanza ilibid gari ikipata ajali insurance co. ikutafutie gari nyingine inayofanana kihadhi na gari yako utumie kukamilisha shughuli zako mpaka claim yako itakapokuwa settled.Comprehensive Tanzania kiufupi ni overrated.

 

[Torque vs HP]

Tanzania kuna maigizo ya Bima mkuu 😁 😁 😁 😁 ,Gari inapata ajali alafu huo usumbufu wake utadhania ulikuwa unapewa bure-Policy za insurance karibia zote duniani zinafanana ila treatment ni tofauti kabisa kati ya nchi na nchi.Kwanza ilibid gari ikipata ajali insurance co. ikutafutie gari nyingine inayofanana kihadhi na gari yako utumie kukamilisha shughuli zako mpaka claim yako itakapokuwa settled.Comprehensive Tanzania kiufupi ni overrated.

Tanzania kuna maigizo ya Bima mkuu 😁 😁 😁 😁 ,Gari inapata ajali alafu huo usumbufu wake utadhania ulikuwa unapewa bure-Policy za insurance karibia zote duniani zinafanana ila treatment ni tofauti kabisa kati ya nchi na nchi.Kwanza ilibid gari ikipata ajali insurance co. ikutafutie gari nyingine inayofanana kihadhi na gari yako utumie kukamilisha shughuli zako mpaka claim yako itakapokuwa settled.Comprehensive Tanzania kiufupi ni overrated.

Mimi ilipokuja kwny ku tow gari jamaa walijifanya kama hawaelewi hivi eti iwe gharama yangu,niliwawakia wakalivuta kwa gharama yao hadi gereji.

 

[Ukwaju]

Mkuu situmii STL SU J DFP 😃😃😃... na sijawahi simamishwa.. na hata ikatokea nikasimamishwa sija cha kuhofia nitasimama tu

Bora yako Mkuu unaweza kuta upo T 000 DVZ
mm nililimwa cheti Tshs 30 kwa kukosa reflector ya pili kwani ilikuwa haisimami wima ikisimikwa lichwa ya kuwapa ki10
nimeshalimwa 30 ingine hiyo double road, nikaambiwa na Traffic kwanini sikusimama zebra nikawaita wapita njia wavuke,
mm bado nipo namba T 000 AAA wameshajua ni bovu

 

[John7371]

Mimi ilipokuja kwny ku tow gari jamaa walijifanya kama hawaelewi hivi eti iwe gharama yangu,niliwawakia wakalivuta kwa gharama yao hadi gereji.

Jamaa wana maigizo sana. Kiufupi ilibid mtu ukiwa na comprehensive ajali ikitokea unakuwa huna pressure,una wasiliana na dealer wako anashughulikia vitu vyote ikiwemo wewe binafsi unarudije nyumbani au kwenda ofisini au hospitali and what ever kwa gharama zake.Let's say umepata ajali na VX,dealer US atakutafutia gari equivalent na VX ili usione difference yoyote.Kiufupi Comprehensive inatakiwa kuwa stress free.

 

[Juakali jr]

Comprehensive hata ukilewa ukagonga gari jingine yote yatatengenezwa,so nadhani kwa case zote 2 ni imeisha hioooooo.

Issue ipo hv-
1st-Kama una comprehensive insurance,ikatokea umemgonga mtu barabarani-bima yako itatengeneza gari lako na la yule uliyemsababishia ajali.
2nd-Kama una Third party-Bima yako itatengeneza gari la yule uliyemsababishia ajali tu.

Shukurani wakuu,
mimi na mtindo wa kukata premium mwaka wa kwanza kipindi gari ni jipya, maana kipindi hicho ndo kiherehere kinakua kikubwa na safari zisizo na ulazima zinakua nyingi.
Baada ya hapo ni kubet na 3rd party with fire and theft, pia kupunguza safari zisizo na ulazima wa kwenda na gari.

Hapo kwenye ulevi hebu angalia attachment

 

[Torque vs HP]

Shukurani wakuu,
mimi na mtindo wa kukata premium mwaka wa kwanza kipindi gari ni jipya, maana kipindi hicho ndo kiherehere kinakua kikubwa na safari zisizo na ulazima zinakua nyingi.
Baada ya hapo ni kubet na 3rd party with fire and theft, pia kupunguza safari zisizo na ulazima wa kwenda na gari.

Hapo kwenye ulevi hebu angalia attachment

View attachment 1676363

Mimi walinilipa mkuu bila hata usumbufu,nilitaka kukorofishana nao kwny towing cost lkn nalo wali solve kwa kulipia gharama hizo,possibly ilikua ni bahati yangu mkuu.

 

[Torque vs HP]

Jamaa wana maigizo sana. Kiufupi ilibid mtu ukiwa na comprehensive ajali ikitokea unakuwa huna pressure,una wasiliana na dealer wako anashughulikia vitu vyote ikiwemo wewe binafsi unarudije nyumbani au kwenda ofisini au hospitali and what ever kwa gharama zake.Let's say umepata ajali na VX,dealer US atakutafutia gari equivalent na VX ili usione difference yoyote.Kiufupi Comprehensive inatakiwa kuwa stress free.

Sasa huku bongo mzee baba usumbufu uko kama kawa na saa nyingine wanakuangalia ukoje ukoje ili waangalie namna ya kuku twist na kuna co. Kabisa zinapelekwa kesi huko Tira(mamlaka ya bima) kwa kuwachekeweshea wateja haki zao.

 

[Torque vs HP]

Bora yako Mkuu unaweza kuta upo T 000 DVZ
mm nililimwa cheti Tshs 30 kwa kukosa reflector ya pili kwani ilikuwa haisimami wima ikisimikwa lichwa ya kuwapa ki10
nimeshalimwa 30 ingine hiyo double road kwanini sikusimama zebra nikawaita wapita njia wavuke, m bado nipo namba T 000 AAA wameshajua ni bovu

😃😃😃😃 kwamba reflector ilikua haisimami wima?daah noma sana.

 

[Juakali jr]

Mimi walinilipa mkuu bila hata usumbufu,nilitaka kukorofishana nao kwny towing cost lkn nalo wali solve kwa kulipia gharama hizo,possibly ilikua ni bahati yangu mkuu.

Hakika, mimi wanafaidi hela zangu tu.
Inabidi siku nikawaombe bonus 😂 😂 😂
Ila nafikiri TIRA wanakazi kubwa ya kutuelimisha waTZ haki zetu na mipaka yetu inapokuja katika masuala ya bima, kuna vitu vingi vipo huko ambavyo havieleweki.
Mfano gari limeangukiwa na mti, au limepata damage kutokana na machafuko katika nchi au majanga ya kihali ya hewa. Katika matukio hayo bima watawajibika?????
Alafu hawa wajamaa wa bima wanauhakika na kipato ndo maana sioni wakiangaika kujitangaza au hata kututembelea maofisini kwa ajili ya masoko

 

[Boeing 747]

Binafsi kabla ya kukatia gari insurance huwa nina asses exposure yangu kupata accident.Example,kama uendeshaji wangu wa gari barabarani ni wa nadra sana manake uwezekano wangu wa kupata ajili pia ni mdogo hivyo nitakata third party and vice versa.
Lakini pia huwa naangalia ukubwa wa engine ya gari,kama engine ya gari ni ndogo manake uwezo wa gari kupata accident kubwa na wenyewe unapungua.Example in US,ukiwa na gari lenye cc kubwa lazima utalipia insurance kubwa zaidi kwa maana risk ya kupata accident ni kubwa.
Then huwa naangalia Age pamoja na who is driving mara nyingi,Gari kama huwa nimelitumia miaka mingi huwa nalipia third party.Incase ikitokea pengine nimenunua gari na dereva ni mwingine probability ya kukata comprehensive ni kubwa.

Mjomba kibongo bongo suala la kupata ajali lipo nje nje, haijalishi ukubwa wa engine au udogo...

Unaweza ukajilinda ukasababishiwa na wehu wengine...

 

[Torque vs HP]

Hakika, mimi wanafaidi hela zangu tu.
Inabidi siku nikawaombe bonus 😂 😂 😂
Ila nafikiri TIRA wanakazi kubwa ya kutuelimisha waTZ haki zetu na mipaka yetu inapokuja katika masuala ya bima, kuna vitu vingi vipo huko ambavyo havieleweki.
Mfano gari limeangukiwa na mti, au limepata damage kutokana na machafuko katika nchi au majanga ya kihali ya hewa. Katika matukio hayo bima watawajibika?????
Alafu hawa wajamaa wa bima wanauhakika na kipato ndo maana sioni wakiangaika kujitangaza au hata kututembelea maofisini kwa ajili ya masoko

Hahah ndio maana saa nyingine kuna tofauti ndogo sana kati ya Insurance vs Gambling maana kuna figisu figisu nyingi sana kwny mambo ya bima mkuu.

Kuna kipindi niliona itv mkutano wa Wenye insurance Co. In Africa ulifanyikia Dar mgeni rasmi nakumbuka alikua mh. Pinda wkt anasoma hotuba yake akasema Insurance industry zina ukwasi mkubwa/liquidity kuliko Bank Industry,hapo ndipo point yako unaposema majamaa hawahangaiki hata kujitangaza kihivyo wanapata pesa mingu sana.

Fikiria kwa mfano rahisi:kuna Mabus Comprehensive insurance wanalipa kati ya Tsh. 29mil mpk 32mil,sasa jiulize kwa mfano hizi ndege zote za AirTanzania zinawalipa pesa ngapi hawa jamaa wa insurance?Hapo ndipo unajua haya majamaa yanapata pesa mingi sana.

 

[RRONDO]

Tanzania kuna maigizo ya Bima mkuu 😁 😁 😁 😁 ,Gari inapata ajali alafu huo usumbufu wake utadhania ulikuwa unapewa bure-Policy za insurance karibia zote duniani zinafanana ila treatment ni tofauti kabisa kati ya nchi na nchi.Kwanza ilibid gari ikipata ajali insurance co. ikutafutie gari nyingine inayofanana kihadhi na gari yako utumie kukamilisha shughuli zako mpaka claim yako itakapokuwa settled.Comprehensive Tanzania kiufupi ni overrated.

Siku hizi wanajitahidi. Agent wako akiwa dedicated usumbufu hupati.

 

[John7371]

Mjomba kibongo bongo suala la kupata ajali lipo nje nje, haijalishi ukubwa wa engine au udogo...

Unaweza ukajilinda ukasababishiwa na wehu wengine...

Kama nimesababishiwa na mwingine-Liability ina shift kwa huyo mwingine aliyesababisha (Bima yake ndiyo itakayo nilipa fullstop). Even if hana bima-Procedures zipo wazi kabisa na ni mbaya zaid kwake.
Secondly-Probability ya mtu kupata ajali hapa Tanzania kwa anayetumia gari yake kwendea ofisini tu ni ndogo kuliko yule anayetumia kwendesha Tax masaa 12 kwa siku. Just a simple mathematics.

 

[RRONDO]

Kama nimesababishiwa na mwingine-Liability ina shift kwa huyo mwingine aliyesababisha (Bima yake ndiyo itakayo nilipa fullstop). Even if hana bima-Procedures zipo wazi kabisa na ni mbaya zaid kwake.
Secondly-Probability ya mtu kupata ajali hapa Tanzania kwa anayetumia gari yake kwendea ofisini tu ni ndogo kuliko yule anayetumia kwendesha Tax masaa 12 kwa siku. Just a simple mathematics.

Procedure ipi na hana insurance wala hela ya kulipa? Utaambiwa mfungulie kesi ya madai aanze kukulipa 50,000/- kila mwezi na mahakamani atalipa faini 30,000/-.
Duh mkuu Tanzania ipi hio? Hii hii ambayo siku ikipita hujapitiwa hata na bodaboda unashukuru?!!

 

[John7371]

Mjomba kibongo bongo suala la kupata ajali lipo nje nje, haijalishi ukubwa wa engine au udogo...

Unaweza ukajilinda ukasababishiwa na wehu wengine...

Power​

"The faster and more powerful your car is, the more likely it is to be involved in an expensive accident. So generally, the larger your engine, the higher the insurance costs"
Hizi insurance tunazolipa gharama zake zimekokotolewa kwa kuangalia mambo mengi mnooo ambayo watu wengi hatujui.Binafsi nilishawahi kukosea kukanyaga accelerator badala ya brake kwenye IST ya mtu lakini nikabahatika kuepuka damage kubwa kwa kurudisha mguu kwenye brake.
My friend alikosea kama mm akapasua show ya brevis pale mbele.Room of error ya gari yenye cc kubwa na horse power kubwa ni ndogo mnooo.-Una press kidogo na impact unaiona hapo hapo bila kuchelewa.

 

[RRONDO]

Bora yako Mkuu unaweza kuta upo T 000 DVZ
mm nililimwa cheti Tshs 30 kwa kukosa reflector ya pili kwani ilikuwa haisimami wima ikisimikwa lichwa ya kuwapa ki10
nimeshalimwa 30 ingine hiyo double road kwanini sikusimama zebra nikawaita wapita njia wavuke, m bado nipo namba T 000 AAA wameshajua ni bovu

Duh hao wajomba Mungu anawaona!

 

[Juakali jr]

Hahah ndio maana saa nyingine kuna tofauti ndogo sana kati ya Insurance vs Gambling maana kuna figisu figisu nyingi sana kwny mambo ya bima mkuu.

Kuna kipindi niliona itv mkutano wa Wenye insurance Co. In Africa ulifanyikia Dar mgeni rasmi nakumbuka alikua mh. Pinda wkt anasoma hotuba yake akasema Insurance industry zina ukwasi mkubwa/liquidity kuliko Bank Industry,hapo ndipo point yako unaposema majamaa hawahangaiki hata kujitangaza kihivyo wanapata pesa mingu sana.

Fikiria kwa mfano rahisi:kuna Mabus Comprehensive insurance wanalipa kati ya Tsh. 29mil mpk 32mil,sasa jiulize kwa mfano hizi ndege zote za AirTanzania zinawalipa pesa ngapi hawa jamaa wa insurance?Hapo ndipo unajua haya majamaa yanapata pesa mingi sana.

Hizo kubwa kubwa huwa wanashare liability na insurance company nyingine, hata bado wanavuta mpunga mrefu kwa kweli.

 

[Juakali jr]

Siku hizi wanajitahidi. Agent wako akiwa dedicated usumbufu hupati.

Kuna raia aliniambia niache biashara ya kwenda kukata bima mwenyewe, nitumie mabroker.
Nafikiri ushauri wake uliambatana na usumbufu wa ufuatiliaji

 

[RRONDO]

Kuna raia aliniambia niache biashara ya kwenda kukata bima mwenyewe, nitumie mabroker.
Nafikiri ushauri wake uliambatana na usumbufu wa ufuatiliaji

Yes. Broker au agent akipeleka madai hawawezi kumzingua coz ana mamia ya wateja ambao anaweza kupeleka kampuni ingine. ILA wewe mmoja kampuni ya bima inakuona huna madhara.

 

[John7371]

IN THE HIGH COURT OF TANZANIA (DAR ES SALAAM DISTRICT REGISTRY) AT DAR ES SALAAM CIVIL APPEAL NO 39 OF 2018 (From the Civil Case No 198 of 2014 RMs Court for Dar es Salaam at Kisutu) HASSAN RASHID........................................................APPELLANT VERSUS NATIONAL INSURANCE CORPORATION OF TANZANIA..........................................................RESPONDENT JUDGMENT MASABO 3, L This is an appeal emanating from Civil Case No 198 of 2014 in the Resident Magistrate Court of Dar es Salaam at Kisutu. In this suit the appellant Hassan Rashid sued the respondent for a sum of Tshs 100,000,000/= being compensation in respect of loss of his wife and daughter Mariam Magori and Lulu Hassan respectively who sustained death a result of an accident occasioned by a Motor Vehicle with registration number TZH 6416 driven by one Dickson Msoffe which was at the material time insured by the Respondent. The driver was charged and found guilty of traffic offence whereupon the Appellant institutes civil claims against the Respondent. After full trial the court the trial court entered judgment in favour of the defendant, the respondent herein. Disgruntled by the decision the appellant appeals against the judgment and decree on the following grounds.

Procedure ipi na hana insurance wala hela ya kulipa? Utaambiwa mfungulie kesi ya madai aanze kukulipa 50,000/- kila mwezi na mahakamani atalipa faini 30,000/-.
Duh mkuu Tanzania ipi hio? Hii hii ambayo siku ikipita hujapitiwa hata na bodaboda unashukuru?!!

1st-Usipokuwa na insurance gharama za fidia utalipia mfukoni kwako-In this case jamaa anaclaim 100M kwa insurance Co. ambayo in absence of insurance ingedaiwa kwa mtu binafsi
2nd-Ajali inapotokea,1st part ni dereva,2nd part ni mwenye gari na Third part ni Kampuni ya insurance,sasa inapotokea gari haina bima-Sheria inadeal na dereva na mwenye gari ambaye pia anaweza kuwa mmiliki kwa kuvunja sheria za nchi ikiwemo kutomiliki bima.
3rd-Mahakamani hakunaga habari ya kulipa kidogo kidogo -hayo hutokea pale pande mbili zinapokubaliana kwenye arbitration.
4th-Anayesababisha ajali gari yake inaweza kuwekwa kama collateral mahakamani,ikiwemo na mali zake nyingine zaweza kuunganishwa wakati wa kuomba execution ya hukumu mahakamani kufidia uharibifu