/* ===================================================
 *  jquery-sortable.js v0.9.13
 *  http://johnny.github.com/jquery-sortable/
 * ===================================================
 *  Copyright (c) 2012 Jonas von Andrian
 *  All rights reserved.
 *
 *  Redistribution and use in source and binary forms, with or without
 *  modification, are permitted provided that the following conditions are met:
 *  * Redistributions of source code must retain the above copyright
 *    notice, this list of conditions and the following disclaimer.
 *  * Redistributions in binary form must reproduce the above copyright
 *    notice, this list of conditions and the following disclaimer in the
 *    documentation and/or other materials provided with the distribution.
 *  * The name of the author may not be used to endorse or promote products
 *    derived from this software without specific prior written permission.
 *
 *  THIS SOFTWARE IS PROVIDED BY THE COPYRIGHT HOLDERS AND CONTRIBUTORS "AS IS" AND
 *  ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED
 *  WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE ARE
 *  DISCLAIMED. IN NO EVENT SHALL <COPYRIGHT HOLDER> BE LIABLE FOR ANY
 *  DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES
 *  (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES;
 *  LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER CAUSED AND
 *  ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT
 *  (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THIS
 *  SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
 * ========================================================== */

!function ( $, window, pluginName, undefined){
	var containerDefaults = {
			// If true, items can be dragged from this container
			drag: true,
			// If true, items can be droped onto this container
			drop: true,
			// Exclude items from being draggable, if the
			// selector matches the item
			exclude: "",
			// If true, search for nested containers within an item.If you nest containers,
			// either the original selector with which you call the plugin must only match the top containers,
			// or you need to specify a group (see the bootstrap nav example)
			nested: true,
			// If true, the items are assumed to be arranged vertically
			vertical: true
		}, // end container defaults
		groupDefaults = {
			// This is executed after the placeholder has been moved.
			// $closestItemOrContainer contains the closest item, the placeholder
			// has been put at or the closest empty Container, the placeholder has
			// been appended to.
			afterMove: function ($placeholder, container, $closestItemOrContainer) {
			},
			// The exact css path between the container and its items, e.g. "> tbody"
			containerPath: "",
			// The css selector of the containers
			containerSelector: "ol, ul",
			// Distance the mouse has to travel to start dragging
			distance: 0,
			// Time in milliseconds after mousedown until dragging should start.
			// This option can be used to prevent unwanted drags when clicking on an element.
			delay: 0,
			// The css selector of the drag handle
			handle: "",
			// The exact css path between the item and its subcontainers.
			// It should only match the immediate items of a container.
			// No item of a subcontainer should be matched. E.g. for ol>div>li the itemPath is "> div"
			itemPath: "",
			// The css selector of the items
			itemSelector: "li",
			// The class given to "body" while an item is being dragged
			bodyClass: "dragging",
			// The class giving to an item while being dragged
			draggedClass: "dragged",
			// Check if the dragged item may be inside the container.
			// Use with care, since the search for a valid container entails a depth first search
			// and may be quite expensive.
			isValidTarget: function ($item, container) {
				return true
			},
			// Executed before onDrop if placeholder is detached.
			// This happens if pullPlaceholder is set to false and the drop occurs outside a container.
			onCancel: function ($item, container, _super, event) {
			},
			// Executed at the beginning of a mouse move event.
			// The Placeholder has not been moved yet.
			onDrag: function ($item, position, _super, event) {
				$item.css(position)
			},
			// Called after the drag has been started,
			// that is the mouse button is being held down and
			// the mouse is moving.
			// The container is the closest initialized container.
			// Therefore it might not be the container, that actually contains the item.
			onDragStart: function ($item, container, _super, event) {
				$item.css({
					height: $item.outerHeight(),
					width: $item.outerWidth()
				})
				$item.addClass(container.group.options.draggedClass)
				$("body").addClass(container.group.options.bodyClass)
			},
			// Called when the mouse button is being released
			onDrop: function ($item, container, _super, event) {
				$item.removeClass(container.group.options.draggedClass).removeAttr("style")
				$("body").removeClass(container.group.options.bodyClass)
			},
			// Called on mousedown. If falsy value is returned, the dragging will not start.
			// Ignore if element clicked is input, select or textarea
			onMousedown: function ($item, _super, event) {
				if (!event.target.nodeName.match(/^(input|select|textarea)$/i)) {
					event.preventDefault()
					return true
				}
			},
			// The class of the placeholder (must match placeholder option markup)
			placeholderClass: "placeholder",
			// Template for the placeholder. Can be any valid jQuery input
			// e.g. a string, a DOM element.
			// The placeholder must have the class "placeholder"
			placeholder: '<li class="placeholder"></li>',
			// If true, the position of the placeholder is calculated on every mousemove.
			// If false, it is only calculated when the mouse is above a container.
			pullPlaceholder: true,
			// Specifies serialization of the container group.
			// The pair $parent/$children is either container/items or item/subcontainers.
			serialize: function ($parent, $children, parentIsContainer) {
				var result = $.extend({}, $parent.data())

				if(parentIsContainer)
					return [$children]
				else if ($children[0]){
					result.children = $children
				}

				delete result.subContainers
				delete result.sortable

				return result
			},
			// Set tolerance while dragging. Positive values decrease sensitivity,
			// negative values increase it.
			tolerance: 0
		}, // end group defaults
		containerGroups = {},
		groupCounter = 0,
		emptyBox = {
			left: 0,
			top: 0,
			bottom: 0,
			right:0
		},
		eventNames = {
			start: "touchstart.sortable mousedown.sortable",
			drop: "touchend.sortable touchcancel.sortable mouseup.sortable",
			drag: "touchmove.sortable mousemove.sortable",
			scroll: "scroll.sortable"
		},
		subContainerKey = "subContainers"

	/*
	 * a is Array [left, right, top, bottom]
	 * b is array [left, top]
	 */
	function d(a,b) {
		var x = Math.max(0, a[0] - b[0], b[0] - a[1]),
			y = Math.max(0, a[2] - b[1], b[1] - a[3])
		return x+y;
	}

	function setDimensions(array, dimensions, tolerance, useOffset) {
		var i = array.length,
			offsetMethod = useOffset ? "offset" : "position"
		tolerance = tolerance || 0

		while(i--){
			var el = array[i].el ? array[i].el : $(array[i]),
				// use fitting method
				pos = el[offsetMethod]()
			pos.left += parseInt(el.css('margin-left'), 10)
			pos.top += parseInt(el.css('margin-top'),10)
			dimensions[i] = [
				pos.left - tolerance,
				pos.left + el.outerWidth() + tolerance,
				pos.top - tolerance,
				pos.top + el.outerHeight() + tolerance
			]
		}
	}

	function getRelativePosition(pointer, element) {
		var offset = element.offset()
		return {
			left: pointer.left - offset.left,
			top: pointer.top - offset.top
		}
	}

	function sortByDistanceDesc(dimensions, pointer, lastPointer) {
		pointer = [pointer.left, pointer.top]
		lastPointer = lastPointer && [lastPointer.left, lastPointer.top]

		var dim,
			i = dimensions.length,
			distances = []

		while(i--){
			dim = dimensions[i]
			distances[i] = [i,d(dim,pointer), lastPointer && d(dim, lastPointer)]
		}
		distances = distances.sort(function  (a,b) {
			return b[1] - a[1] || b[2] - a[2] || b[0] - a[0]
		})

		// last entry is the closest
		return distances
	}

	function ContainerGroup(options) {
		this.options = $.extend({}, groupDefaults, options)
		this.containers = []

		if(!this.options.rootGroup){
			this.scrollProxy = $.proxy(this.scroll, this)
			this.dragProxy = $.proxy(this.drag, this)
			this.dropProxy = $.proxy(this.drop, this)
			this.placeholder = $(this.options.placeholder)

			if(!options.isValidTarget)
				this.options.isValidTarget = undefined
		}
	}

	ContainerGroup.get = function  (options) {
		if(!containerGroups[options.group]) {
			if(options.group === undefined)
				options.group = groupCounter ++

			containerGroups[options.group] = new ContainerGroup(options)
		}

		return containerGroups[options.group]
	}

	ContainerGroup.prototype = {
		dragInit: function  (e, itemContainer) {
			this.$document = $(itemContainer.el[0].ownerDocument)

			// get item to drag
			var closestItem = $(e.target).closest(this.options.itemSelector);
			// using the length of this item, prevents the plugin from being started if there is no handle being clicked on.
			// this may also be helpful in instantiating multidrag.
			if (closestItem.length) {
				this.item = closestItem;
				this.itemContainer = itemContainer;
				if (this.item.is(this.options.exclude) || !this.options.onMousedown(this.item, groupDefaults.onMousedown, e)) {
					return;
				}
				this.setPointer(e);
				this.toggleListeners('on');
				this.setupDelayTimer();
				this.dragInitDone = true;
			}
		},
		drag: function  (e) {
			if(!this.dragging){
				if(!this.distanceMet(e) || !this.delayMet)
					return

				this.options.onDragStart(this.item, this.itemContainer, groupDefaults.onDragStart, e)
				this.item.before(this.placeholder)
				this.dragging = true
			}

			this.setPointer(e)
			// place item under the cursor
			this.options.onDrag(this.item,
				getRelativePosition(this.pointer, this.item.offsetParent()),
				groupDefaults.onDrag,
				e)

			var p = this.getPointer(e),
				box = this.sameResultBox,
				t = this.options.tolerance

			if(!box || box.top - t > p.top || box.bottom + t < p.top || box.left - t > p.left || box.right + t < p.left)
				if(!this.searchValidTarget()){
					this.placeholder.detach()
					this.lastAppendedItem = undefined
				}
		},
		drop: function  (e) {
			this.toggleListeners('off')

			this.dragInitDone = false

			if(this.dragging){
				// processing Drop, check if placeholder is detached
				if(this.placeholder.closest("html")[0]){
					this.placeholder.before(this.item).detach()
				} else {
					this.options.onCancel(this.item, this.itemContainer, groupDefaults.onCancel, e)
				}
				this.options.onDrop(this.item, this.getContainer(this.item), groupDefaults.onDrop, e)

				// cleanup
				this.clearDimensions()
				this.clearOffsetParent()
				this.lastAppendedItem = this.sameResultBox = undefined
				this.dragging = false
			}
		},
		searchValidTarget: function  (pointer, lastPointer) {
			if(!pointer){
				pointer = this.relativePointer || this.pointer
				lastPointer = this.lastRelativePointer || this.lastPointer
			}

			var distances = sortByDistanceDesc(this.getContainerDimensions(),
					pointer,
					lastPointer),
				i = distances.length

			while(i--){
				var index = distances[i][0],
					distance = distances[i][1]

				if(!distance || this.options.pullPlaceholder){
					var container = this.containers[index]
					if(!container.disabled){
						if(!this.$getOffsetParent()){
							var offsetParent = container.getItemOffsetParent()
							pointer = getRelativePosition(pointer, offsetParent)
							lastPointer = getRelativePosition(lastPointer, offsetParent)
						}
						if(container.searchValidTarget(pointer, lastPointer))
							return true
					}
				}
			}
			if(this.sameResultBox)
				this.sameResultBox = undefined
		},
		movePlaceholder: function  (container, item, method, sameResultBox) {
			var lastAppendedItem = this.lastAppendedItem
			if(!sameResultBox && lastAppendedItem && lastAppendedItem[0] === item[0])
				return;

			item[method](this.placeholder)
			this.lastAppendedItem = item
			this.sameResultBox = sameResultBox
			this.options.afterMove(this.placeholder, container, item)
		},
		getContainerDimensions: function  () {
			if(!this.containerDimensions)
				setDimensions(this.containers, this.containerDimensions = [], this.options.tolerance, !this.$getOffsetParent())
			return this.containerDimensions
		},
		getContainer: function  (element) {
			return element.closest(this.options.containerSelector).data(pluginName)
		},
		$getOffsetParent: function  () {
			if(this.offsetParent === undefined){
				var i = this.containers.length - 1,
					offsetParent = this.containers[i].getItemOffsetParent()

				if(!this.options.rootGroup){
					while(i--){
						if(offsetParent[0] != this.containers[i].getItemOffsetParent()[0]){
							// If every container has the same offset parent,
							// use position() which is relative to this parent,
							// otherwise use offset()
							// compare #setDimensions
							offsetParent = false
							break;
						}
					}
				}

				this.offsetParent = offsetParent
			}
			return this.offsetParent
		},
		setPointer: function (e) {
			var pointer = this.getPointer(e)

			if(this.$getOffsetParent()){
				var relativePointer = getRelativePosition(pointer, this.$getOffsetParent())
				this.lastRelativePointer = this.relativePointer
				this.relativePointer = relativePointer
			}

			this.lastPointer = this.pointer
			this.pointer = pointer
		},
		distanceMet: function (e) {
			var currentPointer = this.getPointer(e)
			return (Math.max(
				Math.abs(this.pointer.left - currentPointer.left),
				Math.abs(this.pointer.top - currentPointer.top)
			) >= this.options.distance)
		},
		getPointer: function(e) {
			var o = e.originalEvent || e.originalEvent.touches && e.originalEvent.touches[0]
			return {
				left: e.pageX || o.pageX,
				top: e.pageY || o.pageY
			}
		},
		setupDelayTimer: function () {
			var that = this
			this.delayMet = !this.options.delay

			// init delay timer if needed
			if (!this.delayMet) {
				clearTimeout(this._mouseDelayTimer);
				this._mouseDelayTimer = setTimeout(function() {
					that.delayMet = true
				}, this.options.delay)
			}
		},
		scroll: function  (e) {
			this.clearDimensions()
			this.clearOffsetParent() // TODO is this needed?
		},
		toggleListeners: function (method) {
			var that = this,
				events = ['drag','drop','scroll']

			$.each(events,function  (i,event) {
				that.$document[method](eventNames[event], that[event + 'Proxy'])
			})
		},
		clearOffsetParent: function () {
			this.offsetParent = undefined
		},
		// Recursively clear container and item dimensions
		clearDimensions: function  () {
			this.traverse(function(object){
				object._clearDimensions()
			})
		},
		traverse: function(callback) {
			callback(this)
			var i = this.containers.length
			while(i--){
				this.containers[i].traverse(callback)
			}
		},
		_clearDimensions: function(){
			this.containerDimensions = undefined
		},
		_destroy: function () {
			containerGroups[this.options.group] = undefined
		}
	}

	function Container(element, options) {
		this.el = element
		this.options = $.extend( {}, containerDefaults, options)

		this.group = ContainerGroup.get(this.options)
		this.rootGroup = this.options.rootGroup || this.group
		this.handle = this.rootGroup.options.handle || this.rootGroup.options.itemSelector

		var itemPath = this.rootGroup.options.itemPath
		this.target = itemPath ? this.el.find(itemPath) : this.el

		this.target.on(eventNames.start, this.handle, $.proxy(this.dragInit, this))

		if(this.options.drop)
			this.group.containers.push(this)
	}

	Container.prototype = {
		dragInit: function  (e) {
			var rootGroup = this.rootGroup

			if( !this.disabled &&
				!rootGroup.dragInitDone &&
				this.options.drag &&
				this.isValidDrag(e)) {
				rootGroup.dragInit(e, this)
			}
		},
		isValidDrag: function(e) {
			return e.which == 1 ||
				e.type == "touchstart" && e.originalEvent.touches.length == 1
		},
		searchValidTarget: function  (pointer, lastPointer) {
			var distances = sortByDistanceDesc(this.getItemDimensions(),
					pointer,
					lastPointer),
				i = distances.length,
				rootGroup = this.rootGroup,
				validTarget = !rootGroup.options.isValidTarget ||
					rootGroup.options.isValidTarget(rootGroup.item, this)

			if(!i && validTarget){
				rootGroup.movePlaceholder(this, this.target, "append")
				return true
			} else
				while(i--){
					var index = distances[i][0],
						distance = distances[i][1]
					if(!distance && this.hasChildGroup(index)){
						var found = this.getContainerGroup(index).searchValidTarget(pointer, lastPointer)
						if(found)
							return true
					}
					else if(validTarget){
						this.movePlaceholder(index, pointer)
						return true
					}
				}
		},
		movePlaceholder: function  (index, pointer) {
			var item = $(this.items[index]),
				dim = this.itemDimensions[index],
				method = "after",
				width = item.outerWidth(),
				height = item.outerHeight(),
				offset = item.offset(),
				sameResultBox = {
					left: offset.left,
					right: offset.left + width,
					top: offset.top,
					bottom: offset.top + height
				}
			if(this.options.vertical){
				var yCenter = (dim[2] + dim[3]) / 2,
					inUpperHalf = pointer.top <= yCenter
				if(inUpperHalf){
					method = "before"
					sameResultBox.bottom -= height / 2
				} else
					sameResultBox.top += height / 2
			} else {
				var xCenter = (dim[0] + dim[1]) / 2,
					inLeftHalf = pointer.left <= xCenter
				if(inLeftHalf){
					method = "before"
					sameResultBox.right -= width / 2
				} else
					sameResultBox.left += width / 2
			}
			if(this.hasChildGroup(index))
				sameResultBox = emptyBox
			this.rootGroup.movePlaceholder(this, item, method, sameResultBox)
		},
		getItemDimensions: function  () {
			if(!this.itemDimensions){
				this.items = this.$getChildren(this.el, "item").filter(
					":not(." + this.group.options.placeholderClass + ", ." + this.group.options.draggedClass + ")"
				).get()
				setDimensions(this.items, this.itemDimensions = [], this.options.tolerance)
			}
			return this.itemDimensions
		},
		getItemOffsetParent: function  () {
			var offsetParent,
				el = this.el
			// Since el might be empty we have to check el itself and
			// can not do something like el.children().first().offsetParent()
			if(el.css("position") === "relative" || el.css("position") === "absolute"  || el.css("position") === "fixed")
				offsetParent = el
			else
				offsetParent = el.offsetParent()
			return offsetParent
		},
		hasChildGroup: function (index) {
			return this.options.nested && this.getContainerGroup(index)
		},
		getContainerGroup: function  (index) {
			var childGroup = $.data(this.items[index], subContainerKey)
			if( childGroup === undefined){
				var childContainers = this.$getChildren(this.items[index], "container")
				childGroup = false

				if(childContainers[0]){
					var options = $.extend({}, this.options, {
						rootGroup: this.rootGroup,
						group: groupCounter ++
					})
					childGroup = childContainers[pluginName](options).data(pluginName).group
				}
				$.data(this.items[index], subContainerKey, childGroup)
			}
			return childGroup
		},
		$getChildren: function (parent, type) {
			var options = this.rootGroup.options,
				path = options[type + "Path"],
				selector = options[type + "Selector"]

			parent = $(parent)
			if(path)
				parent = parent.find(path)

			return parent.children(selector)
		},
		_serialize: function (parent, isContainer) {
			var that = this,
				childType = isContainer ? "item" : "container",

				children = this.$getChildren(parent, childType).not(this.options.exclude).map(function () {
					return that._serialize($(this), !isContainer)
				}).get()

			return this.rootGroup.options.serialize(parent, children, isContainer)
		},
		traverse: function(callback) {
			$.each(this.items || [], function(item){
				var group = $.data(this, subContainerKey)
				if(group)
					group.traverse(callback)
			});

			callback(this)
		},
		_clearDimensions: function  () {
			this.itemDimensions = undefined
		},
		_destroy: function() {
			var that = this;

			this.target.off(eventNames.start, this.handle);
			this.el.removeData(pluginName)

			if(this.options.drop)
				this.group.containers = $.grep(this.group.containers, function(val){
					return val != that
				})

			$.each(this.items || [], function(){
				$.removeData(this, subContainerKey)
			})
		}
	}

	var API = {
		enable: function() {
			this.traverse(function(object){
				object.disabled = false
			})
		},
		disable: function (){
			this.traverse(function(object){
				object.disabled = true
			})
		},
		serialize: function () {
			return this._serialize(this.el, true)
		},
		refresh: function() {
			this.traverse(function(object){
				object._clearDimensions()
			})
		},
		destroy: function () {
			this.traverse(function(object){
				object._destroy();
			})
		}
	}

	$.extend(Container.prototype, API)

	/**
	 * jQuery API
	 *
	 * Parameters are
	 *   either options on init
	 *   or a method name followed by arguments to pass to the method
	 */
	$.fn[pluginName] = function(methodOrOptions) {
		var args = Array.prototype.slice.call(arguments, 1)

		return this.map(function(){
			var $t = $(this),
				object = $t.data(pluginName)

			if(object && API[methodOrOptions])
				return API[methodOrOptions].apply(object, args) || this
			else if(!object && (methodOrOptions === undefined ||
				typeof methodOrOptions === "object"))
				$t.data(pluginName, new Container($t, methodOrOptions))

			return this
		});
	};

}(jQuery, window, 'sortable');
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</script></div></div></div><div id="content" class="site-content container"><div id="main-content-row" class="tie-row main-content-row"> <div class="main-content tie-col-md-8 tie-col-xs-12" role="main"> <article id="the-post" class="container-wrapper post-content tie-standard"> <header class="entry-header-outer"> <div class="entry-header"> <h1 class="post-title entry-title"> تأمين السيارات في المانيا 2023 </h1> <div class="single-post-meta post-meta clearfix"><span class="date meta-item tie-icon">سبتمبر 16, 2023</span><div class="tie-alignright"><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 18 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 4 دقائق</span> </div></div> </div> </header> <div class="entry-content entry clearfix"> <div> <figure id="attachment_1680" aria-describedby="caption-attachment-1680" style="width: 1024px" class="wp-caption alignnone"><img decoding="async" class="size-large wp-image-1680" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAYYAAADcAQMAAABOLJSDAAAAA1BMVEUAAACnej3aAAAAAXRSTlMAQObYZgAAACJJREFUaIHtwTEBAAAAwqD1T20ND6AAAAAAAAAAAAAA4N8AKvgAAUFIrrEAAAAASUVORK5CYII=" loading="lazy" data-src="/wp-content/uploads/2023/09/Germany-vs-South-Korea-Football-Instagram-Post-11-1024x1024.png" alt="تأمين السيارات في المانيا 2023" width="1024" height="1024"><figcaption id="caption-attachment-1680" class="wp-caption-text">تأمين السيارات في المانيا 2023</figcaption></figure> </div> <div>تأمين السيارات في المانيا 2023، كما نعرف جميعاً أهمية التأمينات الألمانية ومدى اهتمام ألمانيا بتوفير أفضل الطرق المساعدة لتجنب الحوادثِ والتكاليف للمواطنين، ومن ضمن تأميناتها الإلزامية تأمين السيارات، فهو إجباري على كل مواطن ومقيم وأي شخص يقود السيارة داخل أراضيها، سنتعرف على أنواعه، وما يقدمه من فوائد، وكافة التفاصيل الضرورية.</div> <div></div> <div> <div class="lwptoc lwptoc-autoWidth lwptoc-baseItems lwptoc-light lwptoc-notInherit" data-smooth-scroll="1" data-smooth-scroll-offset="24"><div class="lwptoc_i"> <div class="lwptoc_header"> <b class="lwptoc_title">المحتويات</b> <span class="lwptoc_toggle"> <a href="#" class="lwptoc_toggle_label" data-label="عرض">إخفاء</a> </span> </div> <div class="lwptoc_items lwptoc_items-visible"> <div class="lwptoc_itemWrap"><div class="lwptoc_item"> <a href="#ahmyt_tamyn_alsyarat_fy_almanya_2023"> <span class="lwptoc_item_number">1</span> <span class="lwptoc_item_label">أهمية تأمين السيارات في ألمانيا 2023</span> </a> </div><div class="lwptoc_item"> <a href="#anwa_tamyn_alsyarat_fy_almanya_2023"> <span class="lwptoc_item_number">2</span> <span class="lwptoc_item_label">أنواع تأمين السيارات في ألمانيا 2023</span> </a> <div class="lwptoc_itemWrap"><div class="lwptoc_item"> <a href="#tamyn_alsyarat_fy_almanya_2023_altamyn_alalzamy"> <span class="lwptoc_item_number">2.1</span> <span class="lwptoc_item_label">تأمين السيارات في المانيا 2023 التأمين الإلزامي:</span> </a> </div><div class="lwptoc_item"> <a href="#tamyn_alsyarat_fy_almanya_2023_altamyn_aljzyy"> <span class="lwptoc_item_number">2.2</span> <span class="lwptoc_item_label">تأمين السيارات في المانيا 2023 التأمين الجزئي:</span> </a> </div><div class="lwptoc_item"> <a href="#tamyn_alsyarat_fy_almanya_2023_altamyn_alshaml"> <span class="lwptoc_item_number">2.3</span> <span class="lwptoc_item_label">تأمين السيارات في المانيا 2023 التأمين الشامل:</span> </a> </div></div></div><div class="lwptoc_item"> <a href="#km_yblgh_tamyn_alsyart_fy_almanya"> <span class="lwptoc_item_number">3</span> <span class="lwptoc_item_label">كم يبلغ تامين السيارة في المانيا؟</span> </a> </div><div class="lwptoc_item"> <a href="#kyf_arf_kam_sr_tamyn_syarty"> <span class="lwptoc_item_number">4</span> <span class="lwptoc_item_label">كيف اعرف كَم سعر تأمين سيارتي؟</span> </a> </div><div class="lwptoc_item"> <a href="#nzam_mkafat_altamyn_ly_alsyart_fy_almanya_2023"> <span class="lwptoc_item_number">5</span> <span class="lwptoc_item_label">نظام مكافآت التأمين على السيارة في ألمانيا 2023</span> </a> </div><div class="lwptoc_item"> <a href="#afdl_shrkat_tamyn_alsyarat_fy_almanya"> <span class="lwptoc_item_number">6</span> <span class="lwptoc_item_label">أفضل شركات تأمين السيارات في المانيا</span> </a> <div class="lwptoc_itemWrap"><div class="lwptoc_item"> <a href="#hl_ymkn_tamyn_alsyart_lmdt_6_ashhr"> <span class="lwptoc_item_number">6.1</span> <span class="lwptoc_item_label">هل يمكن تأمين السيارة لمدة ٦ اشهر؟</span> </a> </div><div class="lwptoc_item"> <a href="#khdmat_adafyt_ltamyn_alsyarat"> <span class="lwptoc_item_number">6.2</span> <span class="lwptoc_item_label">خدمات إضافية لتأمين السيارات</span> </a> </div><div class="lwptoc_item"> <a href="#kyfyt_tqlyl_tklft_tamyn_alsyarat"> <span class="lwptoc_item_number">6.3</span> <span class="lwptoc_item_label">كيفية تقليل تكلفة تأمين السيارات</span> </a> </div><div class="lwptoc_item"> <a href="#mty_tstty_algha_qd_altamyn_llsyart"> <span class="lwptoc_item_number">6.4</span> <span class="lwptoc_item_label">متى تستطيع إلغاء عقد التأمين للسّيارة؟</span> </a> </div></div></div></div></div> </div></div><h2><span id="ahmyt_tamyn_alsyarat_fy_almanya_2023">أهمية تأمين السيارات في ألمانيا 2023</span></h2> <div>تفرض ألمانيا الالتزام ببعض التامينات الأساسية، مثل التأمين الصحي، وتأمين لمركبات المواطنين، هناك اكثر من 92 شركة في المانيا للتأمين على السيارات، وتضم أكبر سوق للسيارات في القارة، ولا يسمح لأي شخص بالقيادة حتى المقيمين سواء كان أجنبيا أو من السعودية وغيرها من الدول العربية إن لم تكن سيارته مسجلة ومؤمّنة، وله أهمية كبيرة في تحمل تكاليفَ ضخمة للحقيقة، حيث تصل مبالغ التغطية إلى:</div> <div> <ul> <li>7.5 مليون يَورو في حال الإصابات الشخصية.</li> <li>1.12 مليون يَورو لأضرار الممتلكات.</li> <li>50000 يَورو في الخسائر المالية.</li> </ul> <div></div> <div> <h2><span id="anwa_tamyn_alsyarat_fy_almanya_2023">أنواع تأمين السيارات في ألمانيا 2023</span></h2> <div>ستجد 3 أنواع من تأمين السيارات في المانيا، والتي تختلف الخدمات المُقدمة في كل واحد منها، كذلك التكلفة! الأنواع هي: تأمين إلزامي، تأمين جزئي، والتأمين الشامل!</div> <div></div> <div> <h3><span id="tamyn_alsyarat_fy_almanya_2023_altamyn_alalzamy">تأمين السيارات في المانيا 2023 التأمين الإلزامي:</span></h3> <div>إنه تأمين اجباري على كل من يعيش في ألمانيا، حيث يُغطي أضرار الحادثة، لكن انتبه! ليست أضرارك، بل كل ضرر للطرف الآخر سواء للسيارة أو إصابة للشخص وكنت مسؤولاً عن الحادث!</div> <div> <h3><span id="tamyn_alsyarat_fy_almanya_2023_altamyn_aljzyy">تأمين السيارات في المانيا 2023 التأمين الجزئي:</span></h3> <div>لك نصيبٌ في هذا التأمين، لكن ليس من خلال الحوادث العادية، حسناً، يغطي هذا التامين تكاليفَ الاضرار الخاصّة بالطرف الآخر من حَوادث، ومشاكل سيارتكَ في حال أضرار الطبيعة! أي لو أنها أصيبت بسبب عاصفة قوية، أو ثلوج عارمة، انفجار! أو ماس كهربائي للكوابل، والزجاج المكسور، والسرقة أيضًا.</div> <div> <h3><span id="tamyn_alsyarat_fy_almanya_2023_altamyn_alshaml">تأمين السيارات في المانيا 2023 التأمين الشامل:</span></h3> <div>يقدم التأمين العديد من الخدمات المفيدة لكلا الطرفين، حيث يشمل تكاليفَ الأضرار الناتجة عن الحادث وتكاليف المستشفيات في حال الإصابة، لك وللطرف الآخر، كما أن كل تأمين شامل يتضمن كافة خدماتِ التأمين الجزئي.</div> <div></div> <div></div> <div> <h2><span id="km_yblgh_tamyn_alsyart_fy_almanya">كم يبلغ تامين السيارة في المانيا؟</span></h2> <div>هناك عوامل وشروط معينة قد تغير من التكاليف الخاصَة بالتأمين، لكن وبشكلٍ تقريبي تبلغ أقساط التأمين سنوياً من 100 يَورو للتأمين الخاص بالطرف الثالث، ويصل مبلغ الدفع حتى أكثر من 1000 يورو للتغطية الشاملة.</div> <div>من الجدير بالذكر أن تحديد أسعار التأمين بشكل دقيق يعد صعباً بسبب اختلاف العوامل بين سيارة وأخرى كذلك وفق معايير خاصة وهذه الأشياء، بعض الناس يسألون هل تأمين السيارات حسب العمر؟ ونقول نعم، العمر يؤثر على اختلاف التكلفة، كما أن هناك مكافآت خاصة لتحصل على خصومات كبيرة مع عروض أرخص من شركات تأمين السيارات!</div> <div></div> <div> <h2><span id="kyf_arf_kam_sr_tamyn_syarty">كيف اعرف كَم سعر تأمين سيارتي؟</span></h2> <div>كل شخص يبحث عن أسعار التأمين ولكن عليك أن تضع <a href="//www.awin1.com/cread.php?awinmid=11338&amp;awinaffid=666995">هذه</a> الشروط نصب عينيك إذ أنها ستصنع الفرق الكبير في الأسعار الخاصةِ بتأمين سيارات ألمانيا، وهي:</div> <div> <ul> <li>عمر الشخص المؤمّن وعنوان سكنه.</li> <li>عدد السائقين للسَيارة.</li> <li>نوع وحجم السيارة المستخدمة، إضافة للموديل وسنة الصنع.</li> <li>سعة المحرك ومدى قوته.</li> <li>نوعُ وقود سيارتك المستعمل.</li> <li>عمر شهادة القيادة.</li> <li>عدد الكيلومترات المتوقع قطعها لمدة سنة.</li> <li>سمعة الشركة وجودة خدماتها، وهكذا.</li> </ul> <div>إن كانت مركبتك ذو حصانة عالية، موديل السنة، ولك رحلات طويلة بها، وغيرها من التفاصيل فمن المحتمل ارتفاع نسبة التأمين! لكن لكل شركة شروط وتختلف التفاصيل.</div> <div></div> <div></div> <div> <h2><span id="nzam_mkafat_altamyn_ly_alsyart_fy_almanya_2023">نظام مكافآت التأمين على السيارة في ألمانيا 2023</span></h2> </div> <div>كلما كنت ملتزماً اكثر بقوانين القيادة وقضيت وقت أطول دون وصول أي شكوى زادت نسبة المكافآت! التي تقدمها الشركات باسم نظام مكافأة عدم المطالبة! ليحصل على خصم سنوي من تأمين السيارات! ومن المكافآت المغرية:</div> <div> <ul> <li>الخصم الأكبر والذي يصل إلى 80% في حال لم تصل أي شكوى لاكثر من 15 سنة!</li> <li>50% تقريباً لكل ملتزم دون مطالبات لمدة 5 سنوات، و35% لمدة 3 أعوام.</li> <li>ولكل عام حسم 30% إن لم ترد أي شكوى</li> </ul> <div>بعد قراءتك للشروط أصبحت بحاجة للتريث أكثَر حتى تتمكن من حماية سيارتك من الحوادثِ، كما أنه بالمقابل أصبح من الضروري معرفة أنك قد تضطر لدفع تكاليف أكبر عند تهورك! ففي بعض حالات الحوادثِ مثلاً لو كنت أنت المذنب، كذلك السرعة وشرب الكحول أثناء القيادة، والتهور دون خبرة، ونسأل السلامة للجميع.</div> <div></div> <div></div> </div> </div> </div> <div></div> <div></div> <div></div> <div> <h2><span id="afdl_shrkat_tamyn_alsyarat_fy_almanya">أفضل شركات تأمين السيارات في المانيا</span></h2> <div>سنعرض لك أسماء أكثَر الشركات شهرة وأفضل اختياراً في ألمانيا في تأمين المركبات، وهم:</div> <div> <ul> <li><a href="//www.awin1.com/cread.php?awinmid=11338&amp;awinaffid=666995" target="_blank" rel="nofollow noopener">AvD</a>؛</li> <li><a href="//www.bavariadirekt.de/?awc=13884_1610143862_5c4dc57afa84eaf93c583ba5ed110cdb&amp;etcc_med=Affiliate&amp;etcc_par=Affilinet&amp;etcc_plc=666995-&amp;etcc_ctv=0&amp;2&amp;affmt=0&amp;affmn=0&amp;utm_source=affilinet&amp;utm_medium=affiliate&amp;utm_term=666995&amp;utm_content=0" target="_blank" rel="nofollow noopener">bavariadirekt</a>؛</li> <li><a href="//www.hdi.de/privatkunden?utm_medium=affiliate&amp;utm_source=awin&amp;awc=14641_1610143873_7bb690c9ee5a5964934d2469ddfd7191" target="_blank" rel="nofollow noopener">HDI</a>؛</li> <li><a href="//www.rv24.de/kfz-versicherung/tarifrechner?affiliate=zanox&amp;WT.mc_id=11-1-007-001-999-02-01-99-99-99-201207230715&amp;aktionsID=11-1-007-001-999-02-01-99-99-99-201207230715&amp;pid=9385_1610143885_c14f4c629055187e9c9af69fad2112ff&amp;utm_source=awin&amp;utm_medium=affiliate&amp;utm_campaign=none_kfz-versicherung_performance&amp;utm_term=oas_9385&amp;awc=9385_1610143885_c14f4c629055187e9c9af69fad2112ff" target="_blank" rel="nofollow noopener">R + V24</a>؛</li> <li><a href="//www.axa.de/kfz-versicherung?AKTIONSCODE=14004L&amp;awc=15000_1642826803_cd281ae0bfcaf294ca43c61254fbef42&amp;dclid=CjkKEQiA0KmPBhDLsqKyrov444MBEiQAfV42MtiV40Wi38dnm5pHJq-SdWqLo15MNTBCBW71EeZybJvw_wcB" target="_blank" rel="noopener nofollow">axa</a>؛</li> </ul> <div>لكن افضل هذه الشركاتِ لن يكون الأرخص بالتأكيد، إن كنت تبحث عن شركة ذات اسعار رخيصة فهي في أسفل القائمة R +v24 إنها خيارٌ رائع، أما الأرخص  فهي</div> <div></div> <div></div> <div> <h3><span id="hl_ymkn_tamyn_alsyart_lmdt_6_ashhr">هل يمكن تأمين السيارة لمدة ٦ اشهر؟</span></h3> </div> <div>يسأل الكثير عن وقت تأمين السيارات، يعود ذلك لما تقدمه الشركة من مزايا وشروط، فمثلاً شركة R +v24 تستطيع دفع التكلفة شهرياً وإلغاؤه.</div> <div></div> <div></div> <div> <h3><span id="khdmat_adafyt_ltamyn_alsyarat">خدمات إضافية لتأمين السيارات</span></h3> </div> <div>تقدم كثير من شركات التأمين في دولة ألمِانيا عدة خدماتٍ إضافية مثل نقل المركبة عند إصابتها بعطل ما وسط الطريق، كذلك في حال نقل المرضى وعند الإصابة.</div> <div></div> <div> <ul> <li>التأمين القانوني للسيارات في حالة الإصابة بحادث يستوجب الذهاب إلى المحكمة، ليقدم هذا التأمين كافة المصاريف القانونية.</li> <li>تستطيع استخدام التأمين للأضرار الأولية الممتدة في حال كان موقع المنزل في منطقة جبلية أو في حال السفر والتنقل، فلو أصيبت السيارة بانهيار جبلي أو ثلجي سيغطي هذا التأمين الأضرار والحماية.</li> <li>خدمة مميزة ومفيدة تشمل تغطية المعدات الإضافية في السيارة، فلو تعرضت السيارة للسرقة وكان بداخلها محتويات أو معدات أو أشياء غالية الثمن سيقوم هذا التأمين بتغطيتها.</li> </ul> <div></div> </div> <div></div> <div>كيف أحصل على تأمين السيارات؟</div> <div>ستحتاج إلى أوراق ضرورية للتقديم على التأمين وهي: <ul> <li>بطاقة الهوية.</li> <li>معلومات شخصية متعلقة في إثبات تاريخ البدء بالقيادة.</li> <li>رقم رخصة القيادة في ألمانيا.</li> <li>بعض شركات التأمين تطلب الوثائق الخاصة بشراء السيارة.</li> <li>بيانات الحساب المصرفي الألماني. (تحتاج إرسالها في حال الدفع عن طريق الخصم المباشر)</li> </ul> </div> <div>اقراء ايضا :: <a href="/%d8%a3%d9%87%d9%85-%d8%a7%d9%84%d8%aa%d8%a3%d9%85%d9%8a%d9%86%d8%a7%d8%aa-%d9%81%d9%8a-%d8%a3%d9%84%d9%85%d8%a7%d9%86%d9%8a%d8%a7-2023/">أهم التأمينات في ألمانيا 2023</a></div> <div></div> <div> <h3><span id="kyfyt_tqlyl_tklft_tamyn_alsyarat">كيفية تقليل تكلفة تأمين السيارات</span></h3> </div> <div>كلما كنت بعيداً عن الحوادثِ زادت مكافآتك وحصلت على خصمٍ أكبر في التأمين بواسطة مكافأة عدم المطالبة، كما يمكنك خفض قيمتها عند إرسالك لملخص رسمي لتاريخ القيادة من الشركة السابقة وتسليمه للشركة الجديدة، فإن كان نظيفاً دون حوادث لبضع سنين سيكون ذلك من حسن حظك!</div> <div>ويجب عليك اختيار الخصم السنوي، في الحقيقة إنه ارخص، الدفع شهرياً أو ربع سنوياً سيكلفك أكثر.</div> <div>ولا تنسَ إجراء مقارنة شاملة على شركات التأمين والاطلاع على جميع الخدمات والتقييم والإضافات والأسعار.</div> <div></div> <div> <h3><span id="mty_tstty_algha_qd_altamyn_llsyart">متى تستطيع إلغاء عقد التأمين للسّيارة؟</span></h3> </div> <div>تستطيع العمل على معاملات إلغاء العقد والانتقال إلى شركة ثانية في حالات معينة، انتبه جيداً يجب أن ترسل إشعاراً قبل شهر على الأقل من تجديد العقد، وإلا فإنه سيتجدد تلقائياً! إليك قائمة بما يجب معرفته عن الإلغاء.</div> <div> <ul> <li>يحق لك إلغاء العقد في حال زيادة الأقساط، ويتم إشعارك قبل شهر من تنفيذ القرار، وغالباً ما يكون ذلك في نهاية العام حيث يتم تحديث بعض الأمور مع بداية كل سنة.</li> <li>في حال حصلت على مخالفة ولم ترضَ عن خدماتِ الشركة وتعاملها الغير متوقع تستطيع مراسلتها فإن لم تحصل على استجابة جيدة أو قوبلت بالاعتراض، عليك باتخاذ إجراءاتك لتقديم التقرير للشكوى.</li> <li>عند شراء السيارة سيأخذ المشتري التأمين مباشرة، ولكن الشركة تتيح إلغاء العقد مباشرة في حال تسجيله بشركة أخرى.</li> </ul> <div></div> <div>هذه أهم المعلومات المتعلقة بتأمين السيارات في ألمانيا، هذا التأمين الالزامي لكل من يريد قيادة السيارات بأريحية باتباع القانون الألماني، كذلك هناك تأمينات إلزامية أيضاً مثل التأمين الطبي ويتضمن التأمين الصحيّ  الذي يجب على كل مواطن ومقيم الحصول عليه، تستطيع التعرف عليه بشكلٍ أوسع من خلال هذا الموضوع:</div> <div>مع تمنياتنا لكم بالصحة والسلامة.</div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="post-shortlink"> <input type="text" id="short-post-url" value="lugtna.com/?p=1678" data-url="https://lugtna.com/?p=1678"> <button type="button" id="copy-post-url" class="button">نسخ الرابط</button> <span id="copy-post-url-msg" style="display:none;">تم نسخ الرابط</span> </div> <script type="rocketlazyloadscript">
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