{"id":2941,"date":"2019-06-12T16:47:25","date_gmt":"2019-06-12T12:17:25","guid":{"rendered":"https:\/\/bimemahan.com\/blog\/?p=2941"},"modified":"2021-10-31T22:25:36","modified_gmt":"2021-10-31T18:55:36","slug":"iran-thirdparty-insurace","status":"publish","type":"post","link":"https:\/\/bimemahan.com\/blog\/iran-thirdparty-insurace\/","title":{"rendered":"\u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u06cc\u0631\u0627\u0646 &#8211; \u062a\u0639\u0631\u0641\u0647 \u0647\u0627 \u0648 \u0634\u0631\u0627\u06cc\u0637 \u0627\u0642\u0633\u0627\u0637 \u0628\u062f\u0648\u0646 \u0686\u06a9"},"content":{"rendered":"\n<h2>[livicon_evo name=&#8221;globe.svg&#8221; style=&#8221;original&#8221; size=&#8221;60px&#8221; stroke_style=&#8221;original&#8221; stroke_width=&#8221;original&#8221; try_to_sharpen=&#8221;true&#8221; rotate=&#8221;none&#8221; flip_horizontal=&#8221;false&#8221; flip_vertical=&#8221;false&#8221; stroke_color=&#8221;#22A7F0&#8243; 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delay=&#8221;0&#8243; duration=&#8221;default&#8221; repeat=&#8221;default&#8221; repeat_delay=&#8221;default&#8221; draw_on_viewport=&#8221;false&#8221; viewport_shift=&#8221;oneHalf&#8221; draw_delay=&#8221;0&#8243; draw_time=&#8221;1&#8243; draw_stagger=&#8221;0.1&#8243; draw_start_point=&#8221;middle&#8221; draw_color=&#8221;same&#8221; draw_color_time=&#8221;1&#8243; draw_reversed=&#8221;false&#8221; draw_ease=&#8221;Power1.easeOut&#8221; erase_delay=&#8221;0&#8243; erase_time=&#8221;1&#8243; erase_stagger=&#8221;0.1&#8243; erase_start_point=&#8221;middle&#8221; erase_reversed=&#8221;true&#8221; erase_ease=&#8221;Power1.easeOut&#8221; touch_events=&#8221;false&#8221;][\/livicon_evo] \u0645\u0628\u0644\u063a \u062f\u06cc\u0647 \u06a9\u0627\u0645\u0644<\/strong> \u062f\u0631 \u0628\u06cc\u0645\u0647 \u0627\u06cc\u0631\u0627\u0646 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b<\/h2>\n\n\n\n<p>\u06a9\u0645\u062a\u0631\u06cc\u0646 \u0645\u06cc\u0632\u0627\u0646 \u067e\u0648\u0634\u0634 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\u062f\u06cc\u0647 \u062f\u0631 \u0645\u0627\u0647\u200c\u0647\u0627\u06cc \u062d\u0631\u0627\u0645 \u06f6\u06f4\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0627\u0633\u062a \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u062d\u062f\u0627\u0642\u0644 \u067e\u0648\u0634\u0634 \u0645\u0627\u0644\u06cc \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0628\u0627\u06cc\u062f \u0628\u0647 \u0634\u0631\u062d \u0632\u06cc\u0631 \u0639\u0645\u0644 \u06a9\u0646\u06cc\u0645:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"411\" height=\"38\" src=\"https:\/\/bimemahan.com\/blog\/wp-content\/uploads\/2019\/06\/Capture.png\" alt=\"\" class=\"wp-image-209917\" srcset=\"https:\/\/bimemahan.com\/blog\/wp-content\/uploads\/2019\/06\/Capture.png 411w, https:\/\/bimemahan.com\/blog\/wp-content\/uploads\/2019\/06\/Capture-300x28.png 300w\" sizes=\"(max-width: 411px) 100vw, 411px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u0628\u0627 \u062a\u0648\u062c\u0647 \u0628\u0647 \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u062d\u062f\u0627\u0642\u0644 \u067e\u0648\u0634\u0634 \u0645\u0627\u0644\u06cc \u0628\u06cc\u0645\u0647 \u062b\u0627\u0644\u062b \u062f\u0631 \u0628\u0627\u0644\u0627 \u0645\u062a\u0648\u062c\u0647 \u0645\u06cc\u200c\u0634\u0648\u06cc\u0645: \u062d\u062f\u0627\u0642\u0644 \u067e\u0648\u0634\u0634 \u0645\u0627\u0644\u06cc \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u062f\u0631 \u0633\u0627\u0644 \u06f1\u06f4\u06f0\u06f0 \u0628\u0631\u0627\u0628\u0631 \u0628\u0627 \u06f1\u06f6\u06f0\u06f0\u06f0\u06f0\u06f0\u06f0 \u062a\u0648\u0645\u0627\u0646 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.\u0633\u0642\u0641 \u067e\u0648\u0634\u0634 \u062c\u0627\u0646\u06cc\u060c \u0645\u0628\u0644\u063a \u062f\u06cc\u0647 \u062f\u0631 \u0645\u0627\u0647\u200c\u0647\u0627\u06cc \u062d\u0631\u0627\u0645 \u0627\u0633\u062a. \u062e\u0633\u0627\u0631\u062a \u062c\u0627\u0646\u06cc \u0631\u0627\u0646\u0646\u062f\u0647 \u0645\u0642\u0635\u0631 \u0646\u06cc\u0632 \u0628\u0631 \u0627\u0633\u0627\u0633 \u062f\u06cc\u0647 \u0645\u0627\u0647 \u063a\u06cc\u0631 \u062d\u0631\u0627\u0645 \u0645\u0634\u062e\u0635 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u06cc\u0646 \u0645\u0648\u0636\u0648\u0639 \u062f\u0631 \u0642\u06cc\u0645\u062a \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u06cc\u0631\u0627\u0646 \u0646\u06cc\u0632 \u0627\u062b\u0631 \u062f\u0627\u0631\u062f.<\/p>\n\n\n<div class=\"article\">\u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f:  <a href=\"https:\/\/bimemahan.com\/blog\/third-party-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"undefined (opens in a new tab)\">\u0647\u0645\u0647 \u0686\u06cc\u0632 \u062f\u0631\u0628\u0627\u0631\u0647 \u06cc \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0628\u0647 \u0632\u0628\u0627\u0646 \u0633\u0627\u062f\u0647<\/a><\/div>\n\n\n\n<h2><strong>[livicon_evo name=&#8221;warning-alt.svg&#8221; style=&#8221;original&#8221; size=&#8221;60px&#8221; stroke_style=&#8221;original&#8221; stroke_width=&#8221;original&#8221; try_to_sharpen=&#8221;true&#8221; rotate=&#8221;none&#8221; flip_horizontal=&#8221;false&#8221; flip_vertical=&#8221;false&#8221; stroke_color=&#8221;#22A7F0&#8243; stroke_color_action=&#8221;#b3421b&#8221; stroke_color_alt=&#8221;#F9B32F&#8221; stroke_color_alt_action=&#8221;#ab69c6&#8243; fill_color=&#8221;#91e9ff&#8221; fill_color_action=&#8221;#ff926b&#8221; solid_color=&#8221;#6C7A89&#8243; solid_color_action=&#8221;#4C5A69&#8243; solid_color_bg=&#8221;#ffffff&#8221; solid_color_bg_action=&#8221;#ffffff&#8221; colors_on_hover=&#8221;none&#8221; colors_hover_time=&#8221;0.3&#8243; colors_when_morph=&#8221;none&#8221; brightness=&#8221;0.1&#8243; saturation=&#8221;0.07&#8243; morph_state=&#8221;start&#8221; morph_image=&#8221;none&#8221; allow_morph_image_transform=&#8221;false&#8221; stroke_width_factor_on_hover=&#8221;none&#8221; stroke_width_on_hover_time=&#8221;0.3&#8243; keep_stroke_width_on_resize=&#8221;false&#8221; animated=&#8221;true&#8221; event_type=&#8221;hover&#8221; event_on=&#8221;self&#8221; auto_play=&#8221;false&#8221; delay=&#8221;0&#8243; duration=&#8221;default&#8221; repeat=&#8221;default&#8221; repeat_delay=&#8221;default&#8221; draw_on_viewport=&#8221;false&#8221; viewport_shift=&#8221;oneHalf&#8221; draw_delay=&#8221;0&#8243; draw_time=&#8221;1&#8243; draw_stagger=&#8221;0.1&#8243; draw_start_point=&#8221;middle&#8221; draw_color=&#8221;same&#8221; draw_color_time=&#8221;1&#8243; draw_reversed=&#8221;false&#8221; draw_ease=&#8221;Power1.easeOut&#8221; erase_delay=&#8221;0&#8243; erase_time=&#8221;1&#8243; erase_stagger=&#8221;0.1&#8243; erase_start_point=&#8221;middle&#8221; erase_reversed=&#8221;true&#8221; erase_ease=&#8221;Power1.easeOut&#8221; touch_events=&#8221;false&#8221;][\/livicon_evo]&nbsp;\u067e\u06cc\u0627\u0645\u062f\u0647\u0627\u06cc \u062f\u06cc\u0631\u06a9\u0631\u062f \u062a\u0645\u062f\u06cc\u062f \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b <\/strong><\/h2>\n\n\n\n<p>\u0646\u062f\u0627\u0634\u062a\u0646 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b\u060c \u0628\u0627\u0639\u062b \u0645\u06cc\u200c\u0634\u0648\u062f \u062a\u0627 \u062f\u0631 \u0635\u0648\u0631\u062a \u0628\u0631\u0648\u0632 \u062d\u0627\u062f\u062b\u0647\u060c \u062e\u0633\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0632\u06cc\u0627\u062f\u06cc \u0628\u0647 \u0631\u0627\u0646\u0646\u062f\u0647 \u0648\u0627\u0631\u062f \u0634\u0648\u062f. \u0646\u062f\u0627\u0634\u062a\u0646 \u0627\u06cc\u0646 \u0628\u06cc\u0645\u0647 \u067e\u06cc\u0627\u0645\u062f\u0647\u0627\u06cc\u06cc \u062f\u0627\u0631\u062f \u06a9\u0647 \u062f\u0631 \u0632\u06cc\u0631 \u0628\u0647 \u0622\u0646 \u0645\u06cc\u200c\u067e\u0631\u062f\u0627\u0632\u06cc\u0645.<\/p>\n\n\n\n<ul><li><strong>\u062a\u0648\u0642\u0641 \u062a\u0648\u0633\u0637 \u067e\u0644\u06cc\u0633 \u0631\u0627\u0647\u0646\u0645\u0627\u06cc\u06cc \u0648 \u0631\u0627\u0646\u0646\u062f\u06af\u06cc :<\/strong> \u0647\u0645\u0627\u0646\u0637\u0648\u0631 \u0647\u0645 \u06a9\u0647 \u067e\u06cc\u0634\u200c\u062a\u0631 \u0627\u0634\u0627\u0631\u0647 \u0634\u062f\u060c \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u062f\u0631 \u0627\u06cc\u0631\u0627\u0646 \u0627\u062c\u0628\u0627\u0631\u06cc \u0627\u0633\u062a \u0648 \u0647\u0645\u0647 \u0631\u0627\u0646\u0646\u062f\u06af\u0627\u0646 \u0628\u0627\u06cc\u062f \u0627\u06cc\u0646 \u0628\u06cc\u0645\u0647\u200c\u0646\u0627\u0645\u0647 \u0631\u0627 \u062f\u0631 \u06cc\u0627\u0641\u062a \u06a9\u0646\u0646\u062f. \u0628\u0647 \u0647\u0645\u06cc\u0646 \u062f\u0644\u06cc\u0644\u060c \u067e\u0644\u06cc\u0633 \u0631\u0627\u0647\u0646\u0645\u0627\u06cc\u06cc \u0648 \u0631\u0627\u0646\u0646\u062f\u06af\u06cc \u062f\u0631 \u0635\u0648\u0631\u062a \u0634\u0646\u0627\u0633\u0627\u06cc\u06cc \u062e\u0648\u062f\u0631\u0648\u06cc \u0641\u0627\u0642\u062f \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0622\u0646 \u0631\u0627 \u0645\u062a\u0648\u0642\u0641 \u06a9\u0631\u062f\u0647 \u0648 \u0628\u0647 \u067e\u0627\u0631\u06a9\u06cc\u0646\u06af \u0645\u0646\u062a\u0642\u0644 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0645\u0648\u0631\u062f\u060c \u0634\u062e\u0635 \u0645\u0627\u0644\u06a9 \u062e\u0648\u062f\u0631\u0648\u060c \u0628\u0627\u06cc\u062f \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u062a\u0647\u06cc\u0647 \u06a9\u0631\u062f\u0647 \u0648 \u0647\u0632\u06cc\u0646\u0647 \u067e\u0627\u0631\u06a9\u06cc\u0646\u06af \u0631\u0627 \u0646\u06cc\u0632 \u0628\u067e\u0631\u062f\u0627\u0632\u062f.<\/li><li><strong>\u062d\u0648\u0627\u062f\u062b \u0631\u0627\u0646\u0646\u062f\u06af\u06cc:<\/strong> \u0646\u062f\u0627\u0634\u062a\u0646 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0628\u0627\u0639\u062b \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u062f\u0631 \u0635\u0648\u0631\u062a \u062a\u0635\u0627\u062f\u0641 \u0648 \u062f\u06cc\u06af\u0631 \u062d\u0648\u0627\u062f\u062b \u0631\u0627\u0646\u0646\u062f\u06af\u06cc\u060c \u0634\u062e\u0635 \u062e\u0633\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0632\u06cc\u0627\u062f\u06cc \u0628\u0628\u06cc\u0646\u062f. \u062f\u0631 \u0628\u0631\u062e\u06cc \u0645\u0648\u0627\u0631\u062f\u060c \u062e\u0633\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0628\u062f\u0646\u06cc\u060c \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u062c\u0628\u0631\u0627\u0646\u200c\u0646\u0627\u067e\u0630\u06cc\u0631\u06cc \u0628\u0647 \u0634\u062e\u0635 \u0648\u0627\u0631\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0628\u0627 \u062e\u0631\u06cc\u062f \u0627\u06cc\u0646\u062a\u0631\u0646\u062a\u06cc \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u06cc\u0631\u0627\u0646 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u062f\u0631 \u0635\u0648\u0631\u062a \u0628\u0631\u0648\u0632 \u0645\u0634\u06a9\u0644 \u0627\u0632 \u0628\u0633\u06cc\u0627\u0631\u06cc \u0645\u0633\u0627\u0626\u0644 \u0628\u0647 \u0631\u0627\u062d\u062a\u06cc \u0639\u0628\u0648\u0631 \u06a9\u0646\u06cc\u062f.<\/li><li><strong>\u0645\u0634\u06a9\u0644\u0627\u062a \u062e\u0631\u06cc\u062f \u0648 \u0641\u0631\u0648\u0634 \u062e\u0648\u062f\u0631\u0648:<\/strong> \u062f\u0631 \u0635\u0648\u0631\u062a\u06cc \u06a9\u0647 \u0635\u0627\u062d\u0628 \u062e\u0648\u062f\u0631\u0648\u060c \u0642\u0635\u062f \u0641\u0631\u0648\u0634 \u062e\u0648\u062f\u0631\u0648\u06cc \u062e\u0648\u062f \u0631\u0627 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u062f\u060c \u0627\u06af\u0631 \u062e\u0648\u062f\u0631\u0648 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u0646\u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u062f\u060c \u0628\u0627\u06cc\u062f \u0627\u0628\u062a\u062f\u0627 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u062a\u0647\u06cc\u0647 \u06a9\u0646\u062f. \u0641\u0631\u0648\u0634 \u062e\u0648\u062f\u0631\u0648\u06cc \u0628\u062f\u0648\u0646 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u0645\u06a9\u0627\u0646\u200c\u067e\u0630\u06cc\u0631 \u0646\u06cc\u0633\u062a. \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0633\u0631\u06cc\u0639 \u0648 \u0622\u0633\u0627\u0646 \u0627\u0632 \u0628\u06cc\u0645\u0647 \u0645\u0627\u0647\u0627\u0646 \u0628\u0631\u0627\u06cc \u062e\u0631\u06cc\u062f \u0627\u06cc\u0646\u062a\u0631\u0646\u062a\u06cc \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u06cc\u0631\u0627\u0646 \u0627\u0642\u062f\u0627\u0645 \u06a9\u0646\u06cc\u062f.<\/li><li><strong>\u0627\u0641\u0632\u0627\u06cc\u0634 \u062d\u0642 \u0628\u06cc\u0645\u0647: <\/strong>\u0627\u06af\u0631 \u062a\u0645\u062f\u06cc\u062f \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0628\u0627 \u062a\u0627\u062e\u06cc\u0631 \u0627\u0646\u062c\u0627\u0645 \u06af\u06cc\u0631\u062f\u060c \u0634\u062e\u0635 \u0628\u0627\u06cc\u062f \u0628\u0647 \u0635\u0648\u0631\u062a \u0631\u0648\u0632\u0634\u0645\u0627\u0631 \u0645\u0628\u0644\u063a\u06cc \u0631\u0627 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u062c\u0631\u06cc\u0645\u0647 \u062f\u06cc\u0631\u06a9\u0631\u062f \u0628\u067e\u0631\u062f\u0627\u0632\u062f.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/bimemahan.com\/insurance\/third-party\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" width=\"728\" height=\"90\" src=\"https:\/\/bimemahan.com\/blog\/wp-content\/uploads\/2018\/12\/Third-Person-Insurance.gif\" alt=\"\u062e\u0631\u06cc\u062f \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b\" class=\"wp-image-1571\" title=\"Third Person Insurance\"\/><\/a><\/figure><\/div>\n\n\n\n<h2><strong>[livicon_evo name=&#8221;list.svg&#8221; style=&#8221;original&#8221; size=&#8221;60px&#8221; stroke_style=&#8221;original&#8221; stroke_width=&#8221;original&#8221; try_to_sharpen=&#8221;true&#8221; rotate=&#8221;none&#8221; flip_horizontal=&#8221;false&#8221; flip_vertical=&#8221;false&#8221; stroke_color=&#8221;#22A7F0&#8243; stroke_color_action=&#8221;#b3421b&#8221; stroke_color_alt=&#8221;#F9B32F&#8221; stroke_color_alt_action=&#8221;#ab69c6&#8243; fill_color=&#8221;#91e9ff&#8221; fill_color_action=&#8221;#ff926b&#8221; solid_color=&#8221;#6C7A89&#8243; solid_color_action=&#8221;#4C5A69&#8243; solid_color_bg=&#8221;#ffffff&#8221; solid_color_bg_action=&#8221;#ffffff&#8221; colors_on_hover=&#8221;none&#8221; colors_hover_time=&#8221;0.3&#8243; colors_when_morph=&#8221;none&#8221; brightness=&#8221;0.1&#8243; saturation=&#8221;0.07&#8243; morph_state=&#8221;start&#8221; morph_image=&#8221;none&#8221; allow_morph_image_transform=&#8221;false&#8221; stroke_width_factor_on_hover=&#8221;none&#8221; stroke_width_on_hover_time=&#8221;0.3&#8243; keep_stroke_width_on_resize=&#8221;false&#8221; animated=&#8221;true&#8221; event_type=&#8221;hover&#8221; event_on=&#8221;self&#8221; auto_play=&#8221;false&#8221; delay=&#8221;0&#8243; duration=&#8221;default&#8221; repeat=&#8221;default&#8221; repeat_delay=&#8221;default&#8221; draw_on_viewport=&#8221;false&#8221; viewport_shift=&#8221;oneHalf&#8221; draw_delay=&#8221;0&#8243; draw_time=&#8221;1&#8243; draw_stagger=&#8221;0.1&#8243; draw_start_point=&#8221;middle&#8221; draw_color=&#8221;same&#8221; draw_color_time=&#8221;1&#8243; draw_reversed=&#8221;false&#8221; draw_ease=&#8221;Power1.easeOut&#8221; erase_delay=&#8221;0&#8243; erase_time=&#8221;1&#8243; erase_stagger=&#8221;0.1&#8243; erase_start_point=&#8221;middle&#8221; erase_reversed=&#8221;true&#8221; erase_ease=&#8221;Power1.easeOut&#8221; touch_events=&#8221;false&#8221;][\/livicon_evo]&nbsp;\u0631\u0627\u0647\u200c\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641 \u0627\u0646\u062a\u0642\u0627\u0644 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b <\/strong>\u0627\u06cc\u0631\u0627\u0646<\/h2>\n\n\n\n<p>\u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0634\u062e\u0635\u06cc \u0642\u0635\u062f \u0627\u0646\u062a\u0642\u0627\u0644 \u0628\u06cc\u0645\u0647 \u0633\u0648\u0645 \u0634\u062e\u0635 \u062e\u0648\u062f \u0631\u0627 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u062f. \u062f\u0631 \u0632\u06cc\u0631 \u0628\u0631\u062e\u06cc \u0627\u0632 \u0645\u0648\u0627\u0631\u062f \u0627\u0646\u062a\u0642\u0627\u0644 \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645.<\/p>\n\n\n\n<ul><li><strong>\u0639\u0648\u0636\u200c\u06a9\u0631\u062f\u0646 \u0634\u0631\u06a9\u062a \u0628\u06cc\u0645\u0647<\/strong>: \u062f\u0631 \u0628\u0631\u062e\u06cc \u0645\u0648\u0631\u0627\u062f \u0634\u062e\u0635 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0628\u0647 \u062f\u0644\u0627\u06cc\u0644 \u0645\u062e\u062a\u0644\u0641\u060c \u0642\u0635\u062f \u062a\u0639\u0648\u06cc\u0636 \u0634\u0631\u06a9\u062a \u0628\u06cc\u0645\u0647 \u062e\u0648\u062f \u0631\u0627 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u062f. \u0627\u06cc\u0646 \u06a9\u0627\u0631 \u0686\u0646\u062f\u0627\u0646 \u062f\u0634\u0648\u0627\u0631 \u0646\u06cc\u0633\u062a \u0648 \u0631\u0648\u0646\u062f \u0647\u0645\u0627\u0646 \u0631\u0648\u0646\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0627 \u0634\u0631\u06a9\u062a \u0642\u0628\u0644\u06cc \u0627\u0646\u062c\u0627\u0645 \u0634\u062f\u0647 \u0627\u0633\u062a. \u062a\u0648\u062c\u0647 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc\u062f \u06a9\u0647 \u0627\u06af\u0631 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u062f\u0627\u0631\u0627\u06cc \u062a\u062e\u0641\u06cc\u0641 \u0639\u062f\u0645 \u062e\u0633\u0627\u0631\u062a \u0628\u0627\u0634\u062f \u0648 \u0641\u0631\u062f \u0634\u0631\u06a9\u062a \u0628\u06cc\u0645\u0647 \u062e\u0648\u062f \u0631\u0627 \u062a\u0639\u0648\u06cc\u0636 \u06a9\u0646\u062f\u060c \u062a\u062e\u0641\u06cc\u0641 \u0639\u062f\u0645 \u062e\u0633\u0627\u0631\u062a \u0628\u0647 \u0642\u0648\u062a \u062e\u0648\u062f \u0628\u0627\u0642\u06cc \u062e\u0648\u0627\u0647\u062f \u0645\u0627\u0646\u062f.<\/li><li><strong>\u0627\u0646\u062a\u0642\u0627\u0644 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0628\u0647 \u0635\u0627\u062d\u0628 \u062c\u062f\u06cc\u062f \u062e\u0648\u062f\u0631\u0648<\/strong>: \u0628\u0631 \u062e\u0644\u0627\u0641 \u0628\u06cc\u0645\u0647 \u0628\u062f\u0646\u0647 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\u0628\u06cc\u0645\u0647\u200c\u0646\u0627\u0645\u0647 \u0636\u0645\u06cc\u0645\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0635\u0627\u062d\u0628 \u062c\u062f\u06cc\u062f \u062e\u0648\u062f\u0631\u0648\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u06cc\u0645\u0647\u200c\u0646\u0627\u0645\u0647 \u0645\u0634\u062e\u0635\u0627\u062a \u0628\u06cc\u0645\u0647\u200c\u0646\u0627\u0645\u0647 \u0631\u0627 \u062a\u063a\u06cc\u06cc\u0631 \u0646\u062f\u0647\u062f. \u062f\u0644\u06cc\u0644 \u0627\u06cc\u0646 \u0627\u0645\u0631 \u0646\u06cc\u0632 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0634\u0645\u0627\u0631\u0647 \u0634\u0627\u0633\u06cc \u062e\u0648\u062f\u0631\u0648 \u062f\u0631 \u0628\u06cc\u0645\u0647\u200c\u0646\u0627\u0645\u0647 \u062f\u0631\u062c \u0634\u062f\u0647 \u0627\u0633\u062a.<\/li><li><strong>\u0627\u0646\u062a\u0642\u0627\u0644 \u062a\u062e\u0641\u06cc\u0641 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b:<\/strong> \u0627\u0646\u062a\u0642\u0627\u0644 \u062a\u062e\u0641\u06cc\u0641 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0628\u0647 \u062e\u0648\u062f\u0631\u0648\u06cc \u062f\u06cc\u06af\u0631 \u0646\u06cc\u0632 \u0627\u0645\u06a9\u0627\u0646\u200c\u067e\u0630\u06cc\u0631 \u0627\u0633\u062a. \u062d\u062a\u06cc \u0627\u06cc\u0646 \u0627\u0645\u06a9\u0627\u0646 \u0648\u062c\u0648\u062f \u062f\u0627\u0631\u062f \u06a9\u0647 \u062a\u062e\u0641\u06cc\u0641 \u0628\u0647 \u0634\u062e\u0635 \u062f\u06cc\u06af\u0631\u06cc \u0645\u0646\u062a\u0642\u0644 \u0634\u0648\u062f. \u0627\u06cc\u0646 \u062d\u0627\u0644\u062a\u060c \u0641\u0642\u0637 \u0628\u06cc\u0646 \u0627\u0639\u0636\u0627\u06cc \u062e\u0627\u0646\u0648\u0627\u062f\u0647 \u06cc\u0639\u0646\u06cc \u067e\u062f\u0631\u060c \u0645\u0627\u062f\u0631 \u0648 \u0641\u0631\u0632\u0646\u062f\u0627\u0646 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u0627\u06cc\u0646 \u0646\u0648\u0639 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saturation=&#8221;0.07&#8243; morph_state=&#8221;start&#8221; morph_image=&#8221;none&#8221; allow_morph_image_transform=&#8221;false&#8221; stroke_width_factor_on_hover=&#8221;none&#8221; stroke_width_on_hover_time=&#8221;0.3&#8243; keep_stroke_width_on_resize=&#8221;false&#8221; animated=&#8221;true&#8221; event_type=&#8221;hover&#8221; event_on=&#8221;self&#8221; auto_play=&#8221;false&#8221; delay=&#8221;0&#8243; duration=&#8221;default&#8221; repeat=&#8221;default&#8221; repeat_delay=&#8221;default&#8221; draw_on_viewport=&#8221;false&#8221; viewport_shift=&#8221;oneHalf&#8221; draw_delay=&#8221;0&#8243; draw_time=&#8221;1&#8243; draw_stagger=&#8221;0.1&#8243; draw_start_point=&#8221;middle&#8221; draw_color=&#8221;same&#8221; draw_color_time=&#8221;1&#8243; draw_reversed=&#8221;false&#8221; draw_ease=&#8221;Power1.easeOut&#8221; erase_delay=&#8221;0&#8243; erase_time=&#8221;1&#8243; erase_stagger=&#8221;0.1&#8243; erase_start_point=&#8221;middle&#8221; erase_reversed=&#8221;true&#8221; erase_ease=&#8221;Power1.easeOut&#8221; touch_events=&#8221;false&#8221;][\/livicon_evo]&nbsp;\u0628\u06cc\u0645\u0647 \u0646\u0627\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u06cc\u0631\u0627\u0646 <\/strong><\/h2>\n\n\n\n<p>\u0634\u0631\u06a9\u062a \u0628\u06cc\u0645\u0647 \u0627\u06cc\u0631\u0627\u0646 \u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0639\u062a\u0628\u0631\u062a\u0631\u06cc\u0646 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0645\u0647 \u062f\u0631 \u0627\u06cc\u0631\u0627\u0646 \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0634\u0631\u06a9\u062a\u060c \u0634\u0631\u06a9\u062a\u06cc \u062f\u0648\u0644\u062a\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u06cc\u0634\u062a\u0631\u06cc\u0646 \u0633\u0647\u0645 \u0627\u0632 \u0628\u0627\u0632\u0627\u0631 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0631\u0627 \u062f\u0627\u0631\u062f. \u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u0645\u0632\u06cc\u062a \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0634\u0631\u06a9\u062a \u0627\u06cc\u0631\u0627\u0646 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u062e\u0633\u0627\u0631\u062a \u0628\u06cc\u0634\u062a\u0631\u06cc \u0646\u0633\u0628\u062a \u0628\u0647 \u062f\u06cc\u06af\u0631 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0645\u0647 \u062f\u0627\u0631\u062f. \u0627\u06cc\u0646 \u067e\u0631\u062f\u0627\u062e\u062a \u062e\u0633\u0627\u0631\u062a \u062f\u0631 \u0628\u0631\u062e\u06cc \u0645\u0648\u0627\u0631\u062f \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u0647 \u06f1\u06f5\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0646\u06cc\u0632 \u0628\u0631\u0633\u062f.<\/p>\n\n\n\n<p>\u0645\u0632\u06cc\u062a \u062f\u06cc\u06af\u0631 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u06cc\u0646 \u0634\u0631\u06a9\u062a\u060c \u067e\u0631\u062f\u0627\u062e\u062a \u062e\u0633\u0627\u0631\u062a \u0628\u0647 \u0635\u0648\u0631\u062a \u0633\u06cc\u0627\u0631 \u0627\u0633\u062a. \u0645\u0632\u06cc\u062a \u0633\u0648\u0645 \u0627\u06cc\u0646 \u0628\u06cc\u0645\u0647\u200c\u0646\u0627\u0645\u0647 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0634\u0631\u06a9\u062a \u0628\u06cc\u0645\u0647 \u0627\u06cc\u0631\u0627\u0646 \u062f\u0631 \u062a\u0645\u0627\u0645\u06cc \u0627\u0633\u062a\u0627\u0646\u200c\u0647\u0627\u06cc \u06a9\u0634\u0648\u0631 \u0646\u0645\u0627\u06cc\u0646\u062f\u06af\u06cc \u062f\u0627\u0631\u062f.<\/p>\n\n\n<div class=\"article\">\u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f:  <a href=\"https:\/\/bimemahan.com\/blog\/insurance-penalty\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noopener\">\u0647\u0632\u06cc\u0646\u0647 \u062c\u0631\u06cc\u0645\u0647 \u062f\u06cc\u0631\u06a9\u0631\u062f \u0648 \u062a\u0627\u062e\u06cc\u0631 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u062f\u0631 \u0633\u0627\u0644 \u06f1\u06f4\u06f0\u06f0 <\/a><\/div>\n\n\n\n<h2><strong>[livicon_evo name=&#8221;divide.svg&#8221; style=&#8221;original&#8221; size=&#8221;60px&#8221; stroke_style=&#8221;original&#8221; stroke_width=&#8221;original&#8221; try_to_sharpen=&#8221;true&#8221; rotate=&#8221;none&#8221; flip_horizontal=&#8221;false&#8221; flip_vertical=&#8221;false&#8221; stroke_color=&#8221;#22A7F0&#8243; stroke_color_action=&#8221;#b3421b&#8221; stroke_color_alt=&#8221;#F9B32F&#8221; stroke_color_alt_action=&#8221;#ab69c6&#8243; fill_color=&#8221;#91e9ff&#8221; fill_color_action=&#8221;#ff926b&#8221; solid_color=&#8221;#6C7A89&#8243; solid_color_action=&#8221;#4C5A69&#8243; solid_color_bg=&#8221;#ffffff&#8221; solid_color_bg_action=&#8221;#ffffff&#8221; colors_on_hover=&#8221;none&#8221; colors_hover_time=&#8221;0.3&#8243; colors_when_morph=&#8221;none&#8221; brightness=&#8221;0.1&#8243; saturation=&#8221;0.07&#8243; morph_state=&#8221;start&#8221; morph_image=&#8221;none&#8221; allow_morph_image_transform=&#8221;false&#8221; stroke_width_factor_on_hover=&#8221;none&#8221; stroke_width_on_hover_time=&#8221;0.3&#8243; keep_stroke_width_on_resize=&#8221;false&#8221; animated=&#8221;true&#8221; event_type=&#8221;hover&#8221; event_on=&#8221;self&#8221; auto_play=&#8221;false&#8221; delay=&#8221;0&#8243; duration=&#8221;default&#8221; repeat=&#8221;default&#8221; repeat_delay=&#8221;default&#8221; draw_on_viewport=&#8221;false&#8221; viewport_shift=&#8221;oneHalf&#8221; draw_delay=&#8221;0&#8243; draw_time=&#8221;1&#8243; draw_stagger=&#8221;0.1&#8243; draw_start_point=&#8221;middle&#8221; draw_color=&#8221;same&#8221; draw_color_time=&#8221;1&#8243; draw_reversed=&#8221;false&#8221; draw_ease=&#8221;Power1.easeOut&#8221; erase_delay=&#8221;0&#8243; erase_time=&#8221;1&#8243; erase_stagger=&#8221;0.1&#8243; erase_start_point=&#8221;middle&#8221; erase_reversed=&#8221;true&#8221; erase_ease=&#8221;Power1.easeOut&#8221; touch_events=&#8221;false&#8221;][\/livicon_evo]&nbsp;\u062e\u0631\u06cc\u062f \u0642\u0633\u0637\u06cc \u0628\u06cc\u0645\u0647 <strong>\u0627\u06cc\u0631\u0627\u0646<\/strong><\/strong> <strong>\u0634\u062e\u0635 \u062b\u0627\u0644\u062b <\/strong><\/h2>\n\n\n\n<p>\u0634\u0631\u06a9\u062a \u0628\u06cc\u0645\u0647 \u0627\u06cc\u0631\u0627\u0646 \u0627\u06cc\u0646 \u0627\u0645\u06a9\u0627\u0646 \u0631\u0627 \u0628\u0631\u0627\u06cc \u0645\u062a\u0642\u0627\u0636\u06cc\u0627\u0646 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0641\u0631\u0627\u0647\u0645 \u0622\u0648\u0631\u062f\u0647 \u0627\u0633\u062a \u062a\u0627 \u062d\u0642 \u0628\u06cc\u0645\u0647 \u062e\u0648\u062f \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u0642\u0633\u0637\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u0646\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0635\u0648\u0631\u062a\u060c \u0641\u0631\u062f 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\u062f\u0642\u06cc\u0642\u0647\u060c \u0628\u06cc\u0645\u0647 \u062e\u0648\u062f \u0631\u0627 \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \u06a9\u0646\u06cc\u062f.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1635437678009\"><strong class=\"schema-faq-question\">\u0634\u0631\u0627\u06cc\u0637 \u062e\u0631\u06cc\u062f \u0622\u0646\u0644\u0627\u06cc\u0646 \u0628\u06cc\u0645\u0647 \u0634\u062e\u0635 \u062b\u0627\u0644\u062b \u0627\u0632 \u0628\u06cc\u0645\u0647 \u0645\u0627\u0647\u0627\u0646 \u0686\u06af\u0648\u0646\u0647 \u0627\u0633\u062a\u061f<\/strong> <p class=\"schema-faq-answer\"><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1635438006608\"><strong class=\"schema-faq-question\"><\/strong> <p class=\"schema-faq-answer\"><\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n<div style=\"display: none;\"\n    class=\"kk-star-ratings kksr-valign-bottom kksr-align-left \"\n    data-id=\"2941\"\n    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