Ko’zi ojizlar jamiyatining muammosi: «Bu yarim qadam ortga qaytish emasmi?!»

Ko’zi ojizlar jamiyatining muammosi: "Bu yarim qadam ortga qaytish emasmi?!"
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Are you looking for a website where you can compare different car insurance quotes? Most of us will face this decision when buying a new car or when renewing our auto insurance yearly. Auto insurance companies should really make it easy for us to find their pesky terms and conditions, but they don’t. Many fancy commercials and shiny ads can sway you away from reading the obnoxious fine print in your insurance contract. After hours of countless research, and reading tons of comments and reviews, I came up with the following list of companies where you can find the best place for car insurance quotes. Without further ado, here is the top 10 companies to buy auto insurance from in 2018. Hope you find something that is cheap and valuable to you and your car.  #10 GEICO geico best car insurance company “15 MINUTES COULD SAVE YOU 15% OR MORE ON CAR INSURANCE.” Gosh. Isn’t that ad ingrained into all of our minds already? You gotta give it to the GEICO Marketing team, they really now how to make a statement. And they definitely have some of the best insurance rates that I’ve seen. GEICO is a powerful household name with a very good reason: they have excellent customer support and know a thing or two about car insurance. I, The Insurance Nerd, calculated an average premium of $1,356 for a regular car nationwide. That price comes among the cheapest insurance quotes found in the US. The monthly premium comes to $113. Moreover, GEICO also gives several discounts to reduce that premium based on eligibility. For example, motorist who haven’t had an accident in 5 years are eligible for the “good driver” discount of up to 26%. If you bundle up and insured more than just one car, you can also save up on your premium. Even getting good grades in school can score you up to 15% off on certain coverages. #9 USAA usaa insurance company This one is a great choice if you are a member or former member of the military. With an stellar customer service rating, USAA has won the hearts of many Americans over the years. At just $943 per year, USAA offers one of the most inexpensive car insurance rates in the country. USAA serves anyone in the military and their relatives. They have coverage in every one of the 50 states and Washington, D.C. Similarly as with the other providers, you can shave up some dollars out of your insurance quote by having a clean 5-year record and also passing a defensive driving course. #8 Progressive progressive insurance company Progressive is another highly rated insurance company. The rates quoted by Progressive were an average of $2,930 per car per year, which is more than GEICO, State Farm and USAA. But you shouldn’t be deterred from quoting from Progressive just by their relatively higher insurance premium. My favorite perk of Progressive is that everything can be managed through their online portal. That means bye to all the printed paperwork and long agent calls. Yes, you can even sign all the documents digitally. #7 Allstate insurance company allstate Not a popular choice among drivers, Allstate does have a higher premium coming in at $3,307 (or $275 monthly). However, the company is entitled to that higher cost given that their service according to various rating websites is A+ with a very low complain ratio. The top discounts offered by Allstate are: safe driver discount, accident-free history discounts that can go as long as five years. #6 Amica Car Insurance amica auto insurance Amica is one of the leading insurance companies in the US. The price average I got from their website was about $2,795 which comes out to about $232/mo. Not too bad, but still not the cheapest rate out there. You can save if you have Anti-theft protection in your car, if you drive defensively and if you get more than one line of insurance with them. They also offer loyalty incentives if you stay with them for more than 2 years.   #5 State Farm jake from state farm auto insurance Ahh, Jake from State Farm. What would we do without him. State Farm is another powerhouse when it comes to nationwide car insurance. Established in 1922, this insurance company has passed the test of time and still delivers solid value for your money. They also hold the largest market share in the US, serving every single state from California to Florida and even Washington. With an average quote of $2,192 annually, it’s a bit pricier than GEICO but still relatively cheap compared to other providers. Similarly to GEICO, policyholders can significantly reduce their costs by doing many qualifying activities, one of them being having no points in their license. The State Farm website shows 4 different discounts that you can take advantage of. #4 Mercury mercury auto insurance firm Mercury is a popular car insurer in California, coming in at 4th place in terms of market size. The company also offers insurance in 10 other states including Nevada, Texas, Arizona and New York. The reviews online say mixed comments so it seems more like a toss up, but at $1,860 per year it may not be too bad after all. Just look at how badass those agents in all black look. #3 New Jersey Manufacturers NJM njm car insurance company NJM serves only two states: Pennsylvania and New Jersey. If you are lucky enough to be located there, then this insurance company might be a good option for you. With a quote of just $1,560, the New Jersey Manufacturers insurance company certainly offers a good deal when it comes to getting your auto insured. The monthly premium of just $130 covers accident damages, car theft and a slew of other inconveniences. They also offer business, condo and home renters insurance. #2 Ameriprise Financial AMERIPRISE-insurance-car-company A spin-out of American Express, Ameriprise became an independent company to better serve its customers. They have been in business for over a century and have more than 2M clients. Ameriprise’s auto insurance products are in only 14 states: Alabama, Arkansas, Delaware, Hawaii, Idaho, Iowa, Kansas, Mississippi, Missouri, Nebraska, New Mexico, Oklahoma, South Dakota and Tennessee. If you complete the online form for car insurance, you will see a quote around the $2,201 figure. A big plus with this company is that they offer one of the best discounts when it comes to being loyal and having tenure with them. #1 Erie Insurance ERIE INSURANCE LOGO Erie Indemnity Company is a very sound choice when it comes to protecting your auto. The average quote amount is $2,405 per year. They offer some extra perks that are not offered by many other companies such as: pet injury coverage, accident forgiveness, and diminishing deductibles (a deductible that reduces each year by $100 if you don’t file a claim). Erie operates in the following 12 states: North Carolina, Virginia, West Virginia, Maryland, New York, Pennsylvania, Wisconsin, Indiana, Illinois, Ohio, Kentucky, Tennessee. How to save money while shopping for car insurance Find multiple insurance quotes The single best way to get a lower rate on your car insurance is to shop around. The more quotes that you get the more bargaining power you can have over the insurance agent on the other side of the phone. You may also opt to work with an insurance broker to help you with getting multiple quotes. Since they are more experienced, they can speed up the process much quickly. Often times, they also might have access to exclusive deals. Actively look for discounts The next tip is to ask for discounts. Tell your broker your exact needs and ask for any potential discounts you may qualify, you will be surprised but more often than not you can score at least 5% of your policy very easily. You can also install the chrome extension Honey to search for discount codes and coupons on all the popular sites listed above. Here’s a short list of common qualifying discounts that most firms will offer: • Multiple policies with the same company • Anti-theft security devices • Defensive driving lessons • Low annual mileage • College students living away from home • Drivers ed courses • Long-time customer (Loyalty) • More than one car • No accidents in three/five years • No moving violations in three/five years • Student drivers with good grades (usually B grade or above) Pick a higher deductible for a lower rate While this option might not make sense for everyone, if you are comfortable with paying more out-of-pocket should any accident occur then you can lower your rate that way. Make sure that you can cover the deductible before you agree to it. Bundle up and save across Most of the companies listed above offer not just car insurance but also home insurance and life insurance. If you end up purchasing more than one service from them, you will most likely get a bundle discount. If your life changed, so should your insurance rate Many insurance companies offer discount for major events in your life. If you just got married, ask for any married couple discounts. If you just moved into a more urban city with public transportation and as a result you will drive less, mention this to your insurance firm. Know if you should stop paying for comprehensive and collision Comprehensive and Collision coverages are there to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. The rule of thumb when it comes to comp and collision is that if you are paying more than 10% of your vehicle’s value then you should just assume the liability coverage. (Here’s a handy website to determine the value of your car). If your car is worth $8,000 and you are paying more than $800 on comp and collision coverages then you should not accept that charge. The exception being in the case that you can’t financially cover the loss of your vehicle, in which case you should still get comp and collision. Conclusion Hope you found this list of best car insurance companies useful. I hope that you make the best decision and that you drive safely and relieved knowing that you are insured with a policy that satisfies your needs. If you found this post useful, leave a comment and share it with a friend. Which insurance company do you use to protect your auto?

2019-yil amal qilishni boshlagan yangi soliq siyosati ko’zi ojiz va zaif ko’ruvchi kishilarni ish bilan ta’minlayotgan korxonalar uchun murakkab kechmoqda.

There might be a situation where your car collides with another vehicle but it’s the other person’s fault.   What if they don’t have insurance? How will you pay for the replacements and repairs once they’re totaled? An Uninsured Motorist Property Damage or UMPD coverage can save you from those out-of-pocket costs.  Read on to understand how UMPD works and how it can help you out. about:blank What Is Uninsured Motorist Property Damage Coverage (UMPD)? Uninsured Motorist Property Damage (UMPD) coverage is car insurance that covers any damage on your vehicle caused by an uninsured driver.  UMPD also covers you if your car is involved in a hit-and-run. Although, in some states, the hit-and-run driver should be identified before you receive any payment. According to the Insurance Research Council, there’s around one uninsured out of eight drivers nationwide. However, there is a significant difference among different states.  New Jersey has the lowest percentage, around 3.1%, while Mississippi takes the first spot with 29.4% uninsured residents.  But if you have collision coverage, you can stack UMPD with it. Collision insurance pays for damages after you collided with another car or any property, regardless of who’s at fault.  For instance, if you hit a tree or cause an accident, you are to blame. Your collision coverage will cover the damages.  Whereas UMPD only covers you if an uninsured driver is responsible. However, take note that your collision insurance policy does not cover your items.  Another thing that you should know about UMPD is that it has a lower deductible than collision insurance. And based on recent research, the average claim payment for UMPD is around $1805. Difference Between Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage When a collision occurs with an uninsured driver and bodily injuries are involved, your uninsured motorist bodily injury (UMBI) coverage compensates for it. This includes yourself and any passenger in your vehicle.  Also, the limit for UMBI is equal to the limit on your liability coverage.  Other than covering your medical bills, UMBI may cover pain and suffering and lost wages or income. It also covers funeral expenses. You may be held liable for your medical bills if you do not have UMBI coverage. Other coverages, such as Medical Expenses, Personal Injury Protection, or your own health insurance, allows you to file a claim. UMPD, on the other hand, concentrates on covering the damage to your car caused by an uninsured driver who is at fault. In addition, the cap is usually set at $3,500. What Your UMPD Coverage Pays For Your uninsured motorist property damage can pay for whatever extra costs the other driver can’t pay for. This includes any physical property like residential or public property.  Here is a list of what your UMPD coverage can help you pay for: 1Diminished value of your car after repairs are made 2Damage to your residential property or other property 3Other costs that the uninsured driver can’t cover For example, your insurance policy covers uninsured motorist property damage for $10,000 with a $200 deductible. An uninsured motorist damaged your car worth $4,000 and ran away.  If you’re in a state where your UMPD covers hit-and-runs, your insurance will pay you $3,800 to repair your vehicle. This will leave you with a $200 deductible to pay. However, this is just an example of how it works if you have UMPD coverage. Having your UMPD stacked with other policies is a different scenario. When Do You Need UMPD Coverage? Uninsured motorist property damage coverage is deemed unnecessary by some states. And some policymakers do not offer it as a substitute for collision insurance.  So, here are instances of when you will need UMPD coverage:  1. If you live in a state where it’s required by law  Car insurance is mandatory in almost every state, but the types and amounts of insurance you need may vary.  Commonly, bodily injury liability insurance is required. But approximately half of the states have uninsured or underinsured motorist coverage as requisite.  The usual charge of UMPD sums up to $25,000 per person and $50,000 per accident. This is the same as the liability coverage ceiling of most states. Here are eight states that need UMPD coverage on their car insurance: 1Maryland requires $15,000 of UMPD. This secures both uninsured and underinsured drivers, including hit-and-runs, even if the driver isn’t identified. 2New Hampshire will not require you to buy car insurance. But $25,000 of both UMPD and UIMPD is needed if they require it. 3North Carolina requires a UMPD limit of $25,000 with UIMPD if you acquire more than the minimum liability coverage limits.  4South Carolina required a UMPD of $25,000 that covers injury caused by an uninsured driver. The state mandates insurers to offer UIMPD as an option.  5Vermont will require a combination of UMPD and UIMPD amounting to $10,000. 6Virginia will not require you to buy car insurance. But $20,000 of both UMPD and UIMPD is needed if they require it. You must pay a deductible of $200 if the hit-and-run driver can’t be identified. 7Washington, D.C. requires a UMPD of $5,000 per accident. 8West Virginia will require you $25,000 of UMPD. This includes injury caused only by the uninsured driver. The state mandates insurers to offer UIMPD as an option.  2. If you want to be safeguarded from uninsured motorists  UMPD will pay for injury caused to your car by uninsured motorists. Some states also cover damages caused in the crash by underinsured drivers. In most states, uninsured motorist property damage coverage takes care of the expenses after a hit-and-run. Other states will only pay you if the driver is identified.  The United States has 13% of uninsured drivers. According to the Insurance Information Institute, that percentage rises to almost 30% in some states. Getting involved in accidents caused by uninsured drivers does not guarantee you free from expenses.  In addition to that, underinsured drivers may not have equal coverage to pay for a much larger scale of injuries and damages. 3. If you have a car that you have on lease Most leasing and financing companies, like banks and dealerships, necessitate that UMPD coverage is included in your insurance policy.  The lessor will enumerate specific requirements for the car insurance as protection to the leased vehicle. This typically includes the sum of uninsured or underinsured motorist coverage. UMPD Coverage Limits and Exceptions Before applying for UMPD coverage, you should first understand the limits and exceptions. Even if you’re only considering it, it’s better to know how much you’re going to pay for.  Limits and Deductibles The coverage limit for UMPD is always a single number, and it is the maximum amount your coverage can pay for.  Additionally, you can choose specific limits in most states. However, some states limit coverage up to $3,500. Some states may have lower limits, while some may have higher limits. And some states may offer the actual value of the vehicle.  Your coverage limit is the maximum total payout for any property damaged in an accident. It’s up to you if you want to choose a higher limit. Your policy will cover you with that limit if an uninsured driver hits you. Usually, some deductibles come with the policy. This may also vary by your policymaker or state. For example, Virginia offers a UMPD deductible. You can decide to pay in cash.  But in general, UMPD deductibles may range from around $200 to $300.  Exceptions and Restrictions The Uninsured motorist (UM) coverage may vary from each state. There are UM policies that include UIM. But, UMPD is not always available. Some states do not offer UMPD and do not consider it as necessary compared to other policies.  Y​​our insurance provider will demand records and billings from all repairs and replacements made due to the accident.  Your policymaker will decline your claim if the charges you provided are unrelated or unnecessary to the accident. If you don’t agree with your insurance provider’s decision, the issue will transfer to binding arbitration. Wrapping up! With UMPD coverage, you won’t have to spend more money on repairs and replacements caused by an uninsured motorist. It puts your mind at ease that it will back you up on your claims as long as it’s within your policy limit. You just have to understand how it works and see if it’s necessary to stick with your current policy. Although, if you’re not getting it, make sure that you know which state UMPD is mandated. This is so that you won’t break any laws for not having enough coverage. If you want to learn more about auto insurances, check out these related articles: • Factors That Determine the Average Cost of Motorcycle Insurance • Clearcover Car Insurance Review – Is it Worth Buying?  • The 101 of Car Leasing (Plus the Mistakes You MUST Avoid) Share this with your relatives and friends to help them out with their car insurance. Don’t forget to comment down your thoughts and opinions about this article!

Ushbu munosabat bilan O‘zbekiston Respublikasi Ko‘zi ojizlar jamiyati markaziy boshqaruvi raisi “Daryo” tahririyatiga murojaat yo‘lladi. Murojaatning asosiy mazmuni 2018-yilning 29-iyunida qabul qilingan “O‘zbekiston Respublikasi Soliq siyosatini takomillashtirish konsepsiyasi to‘g‘risida”gi farmon bilan bevosita bog‘liq.
Markaz ko‘rish bo‘yicha I va II guruh nogironlarining mehnat bilan bandligini ta’minlash bilan birga o‘z Ustavi hamda Respublika qonunchiligida belgilangan maqsad va vazifalariga ko‘ra jamiyat tasarrufida o‘quv ishlab chiqarish korxonalarini tashkil etgan. Bugun mazkur jamiyat qoshida respublika miqyosida 76 ta korxona mavjud bo‘lib, uning tarkibida 1050 dan ortiq ko‘rish bo‘yicha nogironligi bor bo‘lgan shaxslar, 600 dan ortiq sog‘lom fuqarolar mehnat qilib kelmoqda. O‘zbekiston Respublikasining Soliq kodeksining 358-modda 1-qismiga ko‘ra ijtimoiy ahamiyatga molik bu o‘quv ishlab chiqarish korxonalari yagona soliq to‘lovchi sifatida davlat ro‘yxatidan o‘tkazilgan hamda yagona soliq to‘lovini to‘lashdan ozoq qilingan.
Bundan tashqari, O‘zbekiston Respublikasi Prezidentining 2018-yil 11-iyundagi “Aholining ijtimoiy zaif qatlami bandligini ta’minlashni rag‘batlantirishning tashkiliy chora-tadbirlari to‘g‘risida”gi qarorida ham tarkibida mehnat shartnomasi asosida ishlayotgan xodimlarning kamida 30 foizini nogironligi bo‘lgan shaxslar tashkil qiladigan tadbirkorlik subyektlari imtiyozlar va preferensiyalar beriladigan alohida toifadagi tadbirkorlik subyektlari sifatida ko‘rsatilgan. Qolaversa, “Nogironligi bo‘lgan shaxslarni davlat tomonidan qo‘llab-quvvatlash tizimini tubdan takomillashtirish chora-tadbirlari to‘g‘risida” farmoni ham ayni mazmunga qaratilgan.
Jamiyat korxonalari boshqa ishlab chiqarish subyektlari kabi texnik jihatdan o‘zini rivojlantirishi mumkin, ammo korxonada faoliyat yurituvchilarning asosiy qismini ko‘rish bo‘yicha nogironligi bo‘lgan shaxslar hamda qo‘shimcha ishchi kuchi sifatida sog‘lom shaxslar tashkil etadi. Shu sababdan korxona to‘liq qo‘l mehnatiga asoslangan. Shunga qaramay, korxona mahsulotlari davlat tomonidan berilgan alohida imtiyoz va rag‘batlar evaziga bozor mahsulotlari tannarxi bilan bir xil narxda baholanib kelgan.
2018-yilning 29-iyunida qabul qilingan “O‘zbekiston Respublikasi Soliq siyosatini takomillashtirish konsepsiyasi to‘g‘risida”gi O‘zbekiston Respublikasining Prezidentining farmonida belgilangan tartibida umumbelgilangan soliq to‘lovida jamiyat korxonalariga berilgan alohida imtiyozlar ko’rsatilmagan.
Mazkur farmonga muvofiq 2019-yilning 1-yanvar sanasidan o‘tgan yil yakunlari bo‘yicha yillik tushumi 1 milliard so‘mdan oshgan yoki yil davomida belgilangan chegaraviy miqdorga yetgan korxonalarni umumbelgilangan soliqlarni to‘lashga o‘tkazilgan. Bunday tadbirkorlik subyektlarining barchasi uchun yuridik shaxslarning mol-mulk solig‘i, yer solig‘i va suv resurslaridan foydalanganlik uchun soliqni joriy etish belgilangan. Shuning bilan birga, qo‘shimcha foyda solig‘ini hisoblash hamda royalty to‘lash tartibini takomilllashtirish nazarda tutilgan.
Ko‘zi ojizlar jamiyat tizimidagi korxonalarning aksariyat qismini tushumi 1 milliard so‘mdan ortiq bo‘lgan korxonalar tashkil etadi. Bunda mehnat qiluvchilarning asosiy qismi aholining ijtimoiy himoyaga muhtoj qatlami bo‘lishidan qat’iy nazar, joriy yilning 1-yanvardan boshlab jamiyat korxonalari ham umumbelgilangan soliq to‘lashga majbur ekanligi ko‘rsatilgan.
Ko‘zi ojizlar jamiyati Markaziy boshqaruvi raisi A.Madrahimov suhbat davomida quyidagilarni ta’kidladi: “Konsepsiyada belgilangan soliqlarni to‘lash uchun bizning korxonalarimiz zamonaviy ishlab chiqarish tizimiga o‘tishi kerak. Ammo korxonalarning asosiy maqsadi nogironlarni bandligini ta’minlash tashkil etilgan. Zamonaviy texnologiyalarni jalb qilish esa nogironligi bor shaxlarni ishsiz qolishiga sabab bo’ladi. Soliq tizimini rivojlantirish konsepsiyasida alohida imtiyozga ega tadbirkorlik sub’yektlariga hozirga qadar berilgan imtiyozlarning nazarda tutilmagani ko‘rish bo‘yicha nogironligi bo‘lgan shaxslarning taqdirini savol ostida qoldiradi.
Biz bu holatning anglashilmovchilik ekaniga ishonamiz, tasodifiy xato deb hisoblaymiz. Mamlakatda islohotlar avvalo inson, uning manfaatlari uchun olib borilmoqda. Bu soliq tartibi esa nogironligi bor shaxslarning keskin noroziligiga sabab bo‘lmoqda, olg‘a rivojlanib borayotgan bir jarayonda bu yarim qadam ortga qaytish kabi holat nazarimizda.”
A.Madrahimov mazkur masala yuzasidan qator davlat tashkilotlariga qayta-qayta murojaat qilgan, ammo aniq javob ololmagan. Masalaga yechim berilishi hamda mutasaddilarning bunga qanday munosabat bildirishi hozircha ochiq savol bo‘lib turibdi.

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