Automobile in THE HELMETS

The scarcity of clients, caused by crisis, of course, can force some companies to , but price wars actually can arise only in the insurance of bonus and. All the remaining insurance rewards through THE HELMETS thus are located On the Border profitability, and to decrease them it is more nowhere.Is possible a sharp increase in the tariffs on the voluntary auto-insurance? What factors besides strengthening of the dollar and Euro can it influence?Helen (“broker 24”): An increase in the tariffs first of all influences of insurance companies according to one or the other to the stamps of automobiles. Certainly, economic situation in the country also influences the price policy of insurers - strengthening dollar, for example, considerably increased the cost of spare parts, and it means and insurance repair. But it is not worthwhile to expect a sharp increase in the value of insurance rewards. Especially because sharp jumps on the currency market no longer it will foresee. At least, according to the forecasts of insurance companies.What consequences for the Russian insurance market will involve the crisis in auto-PROME? How will change the structure of market and its composition? Can appear the company- pyramids, which will achieve payments on the insurance cases only due to the new clients, but not due to its own reserves?

The market

Vitallium Of (“[Ingosstrakh]”): Exactly with an accuracy to vice versa: the companies, which on the dynamically developing market could for an increase in their portion and pay losses due to a constant inflow of new clients, had to leave from the market. Julia [Shvets]: Pyramids in the sphere of insurance are hardly possible, if only in the form very small insurance companies. But the last tendencies in the insurance testify about coarsening of companies, their association into the alliances and other forms of coarsening (confluence, absorption the like). Helen (“broker 24”): Company- pyramids now exist, there is even “black list” of insurance companies. The consequences of crisis cannot be thus far counted, but almost all companies already displace their interests to the side of the insurance of property and other more without loss classes of insurance. Why your “auto-” HELMET In contrast to [OSAGO], HELMET - this is the required, but voluntary insurance of automobile. In this case the purchase of the policy OF HELMETS is the necessary condition of the acquisition of automobile on credit. The policy OF HELMETS is frequently called “complex”: it includes insurance against three main misfortunes of motorist - theft, fire and damage (i.e., from the emergencies, Vandals, criminals and drops in the icicles).

Everything is simple with the risks of theft and fire. Machines, as a rule, burn completely, yes even with the theft owner remains without his automobile. In these cases for the machine is paid out “the compensation”. True, there is one nuance: with “the loss” of automobile to its owner compensates not total cost. Insurers read from it the amortization, which in the first year can reach 20 percent of the commodity cost of machine.

Cost of machine

With the damage the matter is still more complex. The situations, in which can suffer the automobile, the set (insurers they call their risks), but compensation is paid out only in those of them, when machine obtained damages with the circumstances, mentioned either in the rules of company or in the agreement of insurance. As a rule, speech goes on from road- transport incidents ([DTP]), the natural calamities, failures of ground, the actions of criminals and a drop in the objects on the machine.

In order to represent, in what situations it is possible to calculate for the compensation on THE HELMETS, we propose to refine the determination “OF [DTP]”. According to “the rules of calculation and analysis of road- transport incidents on the motor roads RF”, road- transport incidents are called the collisions, tiltings, drops in the passengers, and also visits to transportation means confronting, to the obstacles, to the pedestrians and to the cartage.

In addition to this there is “another form [DTP]”, which includes “a drop in the transportable load or rejected by wheel object on the man, animal or other transportation means, visit on those, who are not participants in the road motion, visit to the suddenly appeared obstacle (fallen load, the separated wheel the rest), etc. ”. This means that the rumpled with the round into the garage wing and pierced by the fallen from the body “of KamAZ (Kama Automobile Plant)” brick cowling are also damage from [DTP], and for them to the owner of the policy OF HELMETS is relied compensation. However, one ought not to forget that in the agreement of insurance, as a rule, are contained many refinements and requirements, whose nonobservance is fraught with failure in the compensation with the appearance of the insurance case.

The insurance case

However, one ought not to forget that in the agreement of insurance, as a rule, are contained many refinements and requirements, whose nonobservance is fraught with failure in the compensation with the appearance of the insurance case.
For example, the majority of insurers will not pay the repair of the broken automobile, if driver at the moment of emergency was found in the state of intoxication. It will be also refused in the compensation of the cost of the driven away automobile, if, after turning into the insurance, owner will not be able to produce the originals of documents and all sets of keys to the machine. Exception are only the cases of piratical attacks. Then with each circle grows understanding that how it is necessary correctly and rapidly to go along ice. Motions by control become ever meager - instead of this you begin to govern automobile exclusively with thrust and redistribution of its weight. Acceleration, short braking for several meters to the turning, and the tail end of the machine begins to slightly slide down outside turning - you " catch” slip by gas, forcing automobile “to lick” cone, you compensate drift and smoothly you pass from the drift to the acceleration to the following turning. After 20-30 minutes you are rolled in you so, that begin to pass long bonds literally during one respiration, by the short motions of control shifting machine of one turning in another. It seems that still the minutes of 30-40 such rides and you will be able to pass entire route generally without the errors and the unnecessary departures… But “alas and ah” - light day in winter concludes too early!

From on the shore of the quarry of machines leave my associates: with the smiles on the persons, contented and disturbed. They, and I, obtained their portion without anything of incomparable pleasure from the slips, the drifts and, for sure, at some moment also felt the sensation of unity with the machine…

New technologies

But I moreover now accurately know that also in the clumsy it is at first glance motions of elephants it is possible to note certain Grace. Is necessary only to look. After interruption and short briefing we leave for the last route - the almost three-kilometer ice track, laid on ideally flat ice. Here there is not one, then it is full turnings and complex bonds. “The passage of the bond of turnings in its technology differs from the passage of single turn. Bond must be considered not as two or three separate turnings, but in the complex. Therefore for the rapid output from the last turning it is possible to endow by entry speed into the first, says prior to the start of the first crew. - I you remember about the brake pedal - it will help you not only to reduce speed, but also to additionally load the front axle before beginning maneuver. But the main thing, you do not hurry to immediately " bring down to all money” - make circle- other at the calm rate, try to memorize route”.

To memorize three-kilometer route with pair of tens of turnings? This is practically impossible! On top of that coating changes with each passage -, where already two minutes there was ago a good “hook”, after the passage of six machines occurs naked of glacial Therefore to go it is necessary not only “along the eyes”, looking out the slope of sequential turning previously, but also “by feel the touch”, attempting although be hooked to somehow by internal front wheel on the thus far even rougher edge of route. But after 15-20 minutes of continuous slips you begin to understand, at what moment to drop gas and to turn control, to which angle, and when again it is possible to begin to be accelerated. You begin to feel, when front wheels lose cohesion with the road and when they again restore it. You perceive that, as enormous automobile in response to your actions redistributes weight not only in the longitudinal, but also in the transverse direction. And this habit must be urgently fastened; therefore we cross to the last exercise on area - to the so-called “dumbbell”.

The weight of automobile

In the ideal, shifting automobile of one into another, experienced driver will be able to pass entire in the continuous “drift”. But to make this is obtained not in all and it is far from immediately. First you too actively compensate drift, without giving to machine to entire arc with the necessary angle of drift. Then - too strongly you press to the gas, making it necessary to depart automobile to larger radius. And only after a certain time, listening to the recommendations Of and increasingly being more rolled in into this exercise, you begin to obtain the present pleasure from that, how obedient and intelligible in control can be automobile even on naked ice. But we with the associate found way out - they transferred “automatic weapon” into the manual regime they selected the low gear, in which the hydraulic converter is blocked. And against the miracle - now it began to be obtained and to load the front axle before beginning maneuver, and to smoothly dose thrust on the wheels, without allowing their strong slippage at the output from the turning. And even control, as it seemed, it was possible to turn to where the smaller angles!

The following exercise - snake with the variable step - it must help us to work out the habits “forestalling” maneuvers. It is here important to send machine into the sideslip long before the cones, moreover the moment of its beginning and the angle of drift must be selected individually for each turning. Moreover it is necessary to be maximally assembled, because the error, committed at the beginning of route, has a property to be accumulated: without having had time at some moment to compensate strong drift or vice versa, after forgetting “to advance” the machine before the sequential cone, that follows you will assuredly pass by - either with the inverted wheels or “back to front”. The training program, prepared “By [mazdoy]” for the journalists, consisted of two parts: first finalizing base habits on the special area, where the cones marked several of “routes” for fulfilling the exercises, and then - rounds on the icy mirror of the frozen quarry in the environs of Rybinsk, that in 4Roslavskaya Oblast.

Outside turning

The first exercise - this is traditional snake with the identical step. It does seem that it can be more easily? But the first attempts although to a little increase the speed of the passage of route lead to the errors - first “overwound” control, then in time it did not harvest or dropped the newspaper on top of that this “automatic weapon”… Hydraulic converter does not give “to play” by thrust it is in the manner that desirable driver, damping the transfer of moment from the engine to wheels. As a result, between the pressure on the accelerator pedal and the appearance of thrust on the wheels - monstrous delay, because of which the machine of times after at once passes past the sequential cone. “But also in this situation it is important to preserve composure, is added [Keselman]. - Many drivers with the removal of front axle instinctively attempt to turn control to the side of turning, and this it is not possible to make! The coupling properties of tires in the transverse direction are always worse than in the longitudinal, and this means that increasing the angle of rotation of control, you only aggravate situation and force wheels “to [pluzhit]”. In reality, control must be turned to the reverse side, trying to place wheels directly. Psychologically this is complicated to make, but, believe, this is very important and necessary habit; therefore try to it to learn - you will have to this period”.Dances on ice

Do know how elephants to dance? No! The clumsy attempts of these animals “to waltz” under the music, which we all saw in the circus, to name “dance” can only most acknowledged optimist. Therefore, when “Mazda” called us to the winter school of the driving Of icy Of sport, instruction in which is passed on the crossovers Of mazda CX-7, I at first thought that this will be, probably similar to the visiting circus -[shapito]. Why? Yes because to learn sport driving in the almost two-ton machines with “the automatic weapon” and the not disconnected stabilization system - this nevertheless, what to turn in the dance into [obnimku] with the elephant.

Complete drive

The system of complete drive model CX-7 borrowed from “hot” sedan Of mazda6 MPS of the previous generation, but into a somewhat truncated version. In the usual situation crossover - front-wheel-drive (to the rear wheels it is transferred not more than two percent of thrust), but rear axle is connected upon command of electronics with the aid of electromagnetic coupling, interlocked with the main drive.

Electromagnet compresses the packet of friction clutches with the aid of the manager of clutch, constantly “playing” by thrust on the rear wheels, up to the complete closing of clutch plates - in this situation thrust is distributed equally between the front and rear wheels. How to precisely stop up friction clutches - decides electronics, constantly analyzing the speed of rotation of each of the wheels, the angle of rotation of control and so on.

But, fortunately I made mistakes! It occurs, mechanics from the command of Oleg [Keselman] - the chief instructor of the sport academy Of mazda - they knew how to completely open (read - “to break”) “electronic collar” on CX-7. But now already it is possible to recall about the fact that the all-wheel-drive transmission on “[mazdovskom]” crossover is almost wholly borrowed in “charged” sedan Of mazda6 MPS, there is no only rear interlocking differential, and motor from there - 2,3- liter “four” with the turbine supercharger and the straight injection, but depowered from 260 to 235 horsepower. Entirely another matter!

Snow-ice

The winter program Of icy Of sport is calculated only for four hours of occupations. As recognizes itself Oleg , to inculcate even the base habits of sport ride on ice is practically impossible in so short a time. Then it is possible to explain “to students” the basic principles of safe and rapid driving under the winter conditions and to immediately fasten them in practice.

Main thing according to of the instructors of the school Of mazda, this to feel the redistribution of the weight of automobile with the acceleration and the braking, with the passage of turnings, and to learn by them to govern. “The balance of automobile - this key concept in the sport ride independently of that, on the asphalt you are found or on ice, says [Keselman]. - A basic difference in the icy track from the winter is in the fact that on ice the automobile just as vividly does not react to the discharge of gas and it does not make it possible to load front axle so effectively as on the asphalt. And thus far you will not learn to redistribute the weight of automobile, to go properly rapidly in you hardly will come out”.

In the course of the short briefing before beginning practical exercises Oleg reminds us of one additional important rule of winter ride - everything must be done previously. “You remember that the coupling properties of tires on ice are very low. This means that to your actions the machine will react with the delay; therefore commands it should give not “on the fact”, but with a certain lead, he says. - Moreover you will drive on the high and heavy automobiles, with the large moment of inertia; therefore for you it is necessary to be even more attentive”.

Since to use a balance of automobile, for example, on the usual snake? “It is very simple - you [priotpustite] accelerator to before turn control. And you do not hold wheel inverted too for long - everything must be done rapidly and, I resemble, in advance. The discharge of gas - the turning of control - machine followed your command, and we here place wheels we exactly or compensate drift by short motion, smoothly adding newspaper smoothly! If you press accelerator pedal too sharply, then front wheels will be torn away into the slippage, and machine will begin “to throw out” outside turning”.

Toyota Of highlander

For the comparison, other hybrids - [T]oyota Of prius, Toyota Of highlander, Honda Of civic and Ford Of escape - were deprived of any serious deficiencies. But here, for example, all-wheel-drive Of chrysler of 2001 had the huge amount of problems along all systems, for example on the body - sliding doors, locks of doors, door of baggage carrier. But here 17% Of acura Of cLs of 2001 it is necessary to make or to change gearbox.“Popular” problems themselves among all automobiles they were the malfunction of indicators to control panel (for example check-engine), of breakdown in the glass and different noise in the salon.

Most extended problems for “three-year-old” - noise, the damage of body and power unit. On the average to 100 automobiles of this age 43 breakdowns are fallen. Best index - in Lexus SC, Toyota Of highlander and Toyota Of prius - only of 13 breakdowns. For the machines of up to five years the brakes are the most problematic unit. Average result with respect to this age - already of 62 breakdowns for 100 machines. However, in the best model - Toyota Of echo - again 13 breakdowns to hundred.

Finally, the oldest automobiles ( 1999 of release ) have on the average 124 breakdowns to 100 machines. In this case the best representatives of this age - four-cylinder pick-ups.Toyota Of tacoma and Lexus LS have 49 breakdowns to 100 machines, whereas in most unreliable model of 2008 model years, Chrysler Of sebring Of convertible, their 59 to hundred.

According to the results of a study its creators selected the automobiles best according to their opinion, which they would recommend to the purchase. Burn in the number of good in this year:

Outside turning

A basic difference in the icy track from the winter is in the fact that on ice the automobile just as vividly does not react to the discharge of gas and it does not make it possible to load front axle so effectively as on the asphalt. And thus far you will not learn to redistribute the weight of automobile, to go properly rapidly in you hardly will come out”.

In the course of the short briefing before beginning practical exercises Oleg reminds us of one additional important rule of winter ride - everything must be done previously. “You remember that the coupling properties of tires on ice are very low. This means that to your actions the machine will react with the delay; therefore commands it should give not “on the fact”, but with a certain lead, he says. - Moreover you will drive on the high and heavy automobiles, with the large moment of inertia; therefore for you it is necessary to be even more attentive”.

Since to use a balance of automobile, for example, on the usual snake? “It is very simple - you accelerator to before turn control. And you do not hold wheel inverted too for long - everything must be done rapidly and, I resemble, in advance. The discharge of gas - the turning of control - machine followed your command, and we here place wheels we exactly or compensate drift by short motion, smoothly adding newspaper smoothly! If you press accelerator pedal too sharply, then front wheels will be torn away into the slippage, and machine will begin “to throw out” outside turning”.

Mitsubishi Of outlander

In the new study of those reused by the auto- colleagues of publication were assembled the data about more than 1,4 million automobiles of 1999-2008 of release. Owners machines they requested to describe about the problems, which arose with their automobile in last year on 17 major portions of the automobile - from the transmission to the damages of body.

Certainly, the state of machine strongly depends on that how its owner turned himself with it. However, some models nevertheless feel themselves somewhat better than rest. For example, the majority of the models Of toyota and Honda. Generally Japanese models which year in a row appear better than the representatives of other countries. European models also show very not bad results; however, with the gradual aging in them increasingly more problems appears.

The not always oldest automobiles had very serious problems. Thus, for instance, on the electrician the worse automobile in a study became the hybrid Of saturn Of vue Of green Of line of 2007. About fourth of owners the problems in this system, especially with the storage battery.

Contact Us

Site Map

• The market
• Cost of machine
• The insurance case
• New technologies
• The weight of automobile
• Outside turning
• Complete drive
• Snow-ice
• Toyota Of highlander
• Outside turning
• Mitsubishi Of outlander
• Contact Us
• Site Map