{"id":9,"date":"2026-05-27T15:58:21","date_gmt":"2026-05-27T12:58:21","guid":{"rendered":"http:\/\/clm.ee\/%d0%bf%d1%80%d0%b8%d0%bc%d0%b5%d1%80-%d1%81%d1%82%d1%80%d0%b0%d0%bd%d0%b8%d1%86%d1%8b-eesti\/"},"modified":"2026-05-28T23:45:12","modified_gmt":"2026-05-28T20:45:12","slug":"avaleht-eesti","status":"publish","type":"page","link":"https:\/\/clm.ee\/","title":{"rendered":"S\u00f5ltumatu kindlustusekspertiis"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Professionaalne kaitse kinnisvaraomanikele, korteri\u00fchistutele ja s\u00f5idukiomanikele p\u00f5hjendamatute kindlustusn\u00f5uete vastu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Olen tegutsenud kindlustusvaldkonnas \u00fcle 33 aasta. Selle aja jooksul olen loonud ja juhtinud mitmete kindlustusseltside esindusi Eestis, sealhulgas ASA Kindlustus, AB Elukindlustus ja Salva Kindlustus, vastutades nii m\u00fc\u00fcgit\u00f6\u00f6 arendamise kui ka kahjujuhtumite lahendamise eest.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"631\" height=\"842\" src=\"http:\/\/clm.ee\/wp-content\/uploads\/2026\/05\/Oleg-Kultajev-\u0432-\u043a\u0440\u0435\u0441\u043b\u0435-1-edited.png\" alt=\"\" class=\"wp-image-46\" style=\"aspect-ratio:0.7494298260543963;width:342px;height:auto\" srcset=\"https:\/\/clm.ee\/wp-content\/uploads\/2026\/05\/Oleg-Kultajev-\u0432-\u043a\u0440\u0435\u0441\u043b\u0435-1-edited.png 631w, https:\/\/clm.ee\/wp-content\/uploads\/2026\/05\/Oleg-Kultajev-\u0432-\u043a\u0440\u0435\u0441\u043b\u0435-1-edited-225x300.png 225w\" sizes=\"auto, (max-width: 631px) 100vw, 631px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Alates 2007. aastast t\u00f6\u00f6tan s\u00f5ltumatu kindlustusmaaklerina. Vastavalt seadusele esindan \u00fcksnes kliendi huve \u2014 mitte kindlustusseltsi omi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2021. aastal koondasin oma praktilised teadmised ja pikaajalise kogemuse raamatusse \u201eKindlustus. V\u00f5hiku k\u00e4siraamat\u201c, et aidata inimestel selles keerulises valdkonnas paremini orienteeruda ning oma \u00f5igusi teadlikumalt kaitsta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Minu spetsialiseerumine \u2013 keerulised kahjujuhtumid<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mind on alati paelunud keerulised kahjujuhtumid, kus pelgalt dokumentidest ei piisa ning t\u00f5eni j\u00f5udmiseks on vaja anal\u00fc\u00fcsi, uurimist ja faktide p\u00f5hjalikku kontrolli.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kui jurist otsib paragrahve, siis mina otsin fakte. Sisuliselt tegelen ma kindlustusjuhtumite uurimisega.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kindlustus on valdkond, kus h\u00fcvitise saamine t\u00e4hendab sageli p\u00f5hjalikku kontrolli kindlustusandja poolt. Seet\u00f5ttu kaasneb kahjuk\u00e4sitlusega tihti v\u00e4ga detailne ja kriitiline l\u00e4henemine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Minu t\u00f6\u00f6 kindlustuseksperdina on leida vastuolud, tehnilised ebat\u00e4psused v\u00f5i \u00f5iguslikud asjaolud, mis v\u00f5ivad m\u00f5jutada kindlustusseltsi otsust \u2014 ning aidata kliendil saavutada \u00f5iglane tulemus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tunnen kindlustusvaldkonna sisemist toimimist v\u00e4ga h\u00e4sti. Tean, kuidas s\u00fcnnivad otsused, kuidas hinnatakse kahjusid ja milliste argumentidega kindlustusseltsid oma seisukohti p\u00f5hjendavad. Kasutan seda kogemust ja teadmist selleks, et kaitsta oma klienti ning saavutada v\u00f5imalikult \u00f5iglane lahendus ka k\u00f5ige keerulisemates vaidlustes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lugupidamisega<strong>,<\/strong><br>Oleg Kultajev<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Professionaalne kaitse kinnisvaraomanikele, korteri\u00fchistutele ja s\u00f5idukiomanikele p\u00f5hjendamatute kindlustusn\u00f5uete vastu Olen tegutsenud kindlustusvaldkonnas \u00fcle 33 aasta. Selle aja jooksul olen loonud ja juhtinud mitmete kindlustusseltside esindusi Eestis, sealhulgas ASA Kindlustus, AB Elukindlustus ja Salva Kindlustus, vastutades nii m\u00fc\u00fcgit\u00f6\u00f6 arendamise kui ka kahjujuhtumite lahendamise eest. Alates 2007. aastast t\u00f6\u00f6tan s\u00f5ltumatu kindlustusmaaklerina. Vastavalt seadusele esindan \u00fcksnes kliendi huve&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/clm.ee\/index.php?rest_route=\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clm.ee\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/clm.ee\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/clm.ee\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/clm.ee\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9"}],"version-history":[{"count":7,"href":"https:\/\/clm.ee\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions"}],"predecessor-version":[{"id":82,"href":"https:\/\/clm.ee\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions\/82"}],"wp:attachment":[{"href":"https:\/\/clm.ee\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}