Imwe mitemo yekutengeserana yekutengeserana inotaura nezvekurasikirwa uku kunogona kuve nekukosha kuburikidza nekuderera kwekukosha kusarudzwa. Kuregererwa uku kunoshandiswa kuhutachiona hwekuparara .
Inowanzowanika pamagumo ekukuvadzwa kwepanyama kunowanikwa mune fomu yebhizimisi yekudzivirira auto.
Ane Autos
Kuwedzerwa kwekukosha kubviswa kunogona kugadzirisa chikwereti chaunowana kubva kune inshuwarisi yako nekukuvara kwepanyama kunosanganisira motokari yaunayo. Muenzaniso unotevera unoratidza kuti izvi zvinogona kuitika sei.
Yako yakasimba ine tani imwe-ton iyo inshuwarheni yakazara uye yakakoromoka pasi pekambani yako yekutengesa motokari yemitemo. Ngoro yacho inokuvara kana mushandi wenyu akangozvidzorera mumadziro. Iwe unokwereta kudai pasi pekubatana kwako kwekupesana. Muchengeti wako wekubhadhara achabhadhara chiduku che:
- iyo chaiyo mari inokosha yemotokari yakakonzerwa panguva yekurasikirwa; kana
- mutengo wekugadzirisa kana kutora motokari nezvikamu uye zvinhu zvakangofanana neya motokari iripo risati rarasikirwa.
Zvechokwadi mari inowanikwa inowanzoreva kushandiswa kwemari yemotokari kuderera kwekuderera. Iyo inishuwarenzi inogonawo kufunga nezve "bhuku rebhuruu" kana kukosha kwemusika wemotokari.
Kana iyo mari yekugadzirisa rori iri pasi pekukosha kwayo kwezvino, bhizimisi yako ichabhadhara mari yekuigadzirisa. Kana zvisina kudaro, motori yacho inogona kuziviswa kurashikirwa zvachose .
Ngatitii inshuwarisi yako inotora kubhadhara mari yekugadzirisa rori yako. Dzimba rako rekutengesa dzimba rinokwereta $ 3 500 kuti igadzire motokari. Kana hurongwa hwako hunosanganisira $ 500 deductible, wako insurer achabhadhara $ 3,000.
Vhiri yako yakanga ine kukoka kwemari ye $ 10 000 isati yasvika. Zvisinei, motokari yave iri mumotokari yemotokari, saka vatengi vanogona kuiona sechinhu chiduku kupfuura yekarori rakafanana risina kubatanidzwa munjodzi. Kukosha kwemari yemotokari yako ikozvino $ 9,000 chete. Muchengetedzi wako haazokubhadhara iwe we $ 1 000 inopera mukukosha.
Kunyange zvazvo kukosha kwekutapudzwa hakukwaniki nemushuwarenzi wekuvhiringidza muviri, kazhinji unofukidzirwa nehutori yemhosva yveshurenzi . Izvi zvinoreva kuti kana motokari yako yakakonzerwa nengozi inokonzerwa nemumwe mutyairi asina hanya , uye iwe unopomera mumwe mutyairi, iwe unogona kusanganisira mutero wekuderera kwekukosha sechikamu chekukuvara iwe waunotsvaka.
Rental Vehicles
Kuwedzerwa kwekukosha kubviswa kunogona kuunza mari yekunze kunze kwekuti motokari inoshandiswa yakanganisa panguva yemvumo yekuraira. Chimbofunga muenzaniso unotevera:
Bob ndiye muridzi weVashy Builders, kambani duku yekuvaka. Ane musangano unotevera kuPleasantville, iyo iri makiromita 250 kubva kumusha weBusy Builder. Bob anobhadhara motokari muzita rebhizimisi rake achishandisa bhizinesi kadhi rechikwereti. Anokwereta motokari kwemazuva ake maviri kubva kune Ready Rentals, imwe nzvimbo yebhadharo yemotokari. Ready Rentals zvinotengeswa kuti zvitengese Bob dhuturo yveshuwarisi uye kurasikirwa kwekukuvara kweiver.
Kurasikirwa Kunokanganisa Waiver
Kurasika kukanganisa waiver (inonziwo kukanganisa kukanganiswa kweiver) ichasvitsa Bob chero chero chipi zvacho chaanofanira kubhadhara pamusana pemoto. Kana iye akabatanidzwa mune imwe njodzi paanenge achityaira motokari yemotokari, uye motokari yacho yaparara, mhirizhonga ichazara yakazara. Zvinosuruvarisa, izvi zvinodzivirira zvinouya pamutengo wakawanda. Ready Rentals inoda $ 20 zuva nezuva reLDW. Bob anozvisarudzira kuderedza LDW. Anotsvaga kutenga motokari yemari yveshuwarisi. Vagadziri Vavaki vese vanochengetedzwa pasi pekutengeserana kwekutengesa motokari inosanganisira kukanganisa uye kukuvara kwekugadzirisa kwema autos akabhadhara . Sei achifanira kubhadhara inshuwarisi yemhosva uye yeLDW apo firm yake ine inshuwarisi yemotokari dzinotora? Bob anoburitsa chibvumirano chokubhadhara uye nokukurumidza ari munzira.
Zuva rinotevera Bob anopedzisa bhizimisi rake muPleasantville uye anotanga motokari yake kumba mumotokari yokurenda.
Anenge awa imwe mufambiro rwake, kudzoka kwaBob pamugwagwa unotyisa uye nekukanganisa kunorova muti. Bob haakuvadzi asi kumberi kwepamberi yemotokari yakabhadhara yakaipa. Bob anodzosera imotokari kuChechi yeKugadzirira uye anozadza nhoroondo yengozi. Paanozodzokera kuhofisi yake, anokonzera kudai neyemabhizimisi ake emari insurer.
Ndezvipi Zvazviri?
Mwedzi umwe gare gare Bob anoshamiswa pamutemo waanotambira kubva kune sangano renharaunda. Zvose zvinodarika $ 7,000! Mhosva yacho inosanganisira $ 3 600 nokuda kwekuvhiringidza kwemotokari inotora uye $ 2 500 mukukosha kwakaderera. Sangano renharaunda rakanyorawo $ 600 mari yekurasikirwa kwemashandisirwo, uye $ 350 muhurumende yekubhadhara. Kurasikirwa kwemari inoshandiswa kunomiririra mari iyo sangano rakarasikirwa nekuti motokari yakanganisa yakanga isingawanikidzi kubhadhara kune vamwe vatengi. Sangano rekurenda rinotaura kuti motokari yakarasika yakatora mazuva gumi kugadzirisa. Izvo zvave zvichipa Bob yakazara $ 40 pazuva pazuva rebhadharo yebhadharo zuva rimwe nerimwe motokari yaisakwanisa kurohwa. Mutero wekutungamirira unogona kusanganisira kutengesa mari, mari yekuchengetedza, nezvimwewo mari.
Mutori wemotokari anonyatsoshanda anokwanisa kubhadhara madhora mazana matatu (3 500) nokuda kwekuvhiringidzwa kwemotokari (iyo inshurensi ichabvisa mabhizimisi eByy Builder $ 500). Nokuti Vashandi Vasingatengi vakawana kuora kwekugadziriswa kwemotokari yemari yakabhadhara , Busy yemotokari yemitemo inobatanidza kurasikirwa kweKushandiswa. Zvisinei, mutemo unobhadhara $ 20 chete pazuva; saka, iyo inshurensi ichabhadhara $ 300 kwemazuva gumi nemashanu. Izvi zvinoreva kuti vavaki vemazuva ano vachabatanidzwa ne $ 300 kunze kwehomwe yehomwe yekutadza kurasikirwa kwekushandiswa. Kuparara kwaBob kwepanyama kugoverwa hakubviri kuderera kwekukosha, iyo iyo sangano inokwereta $ 2500. Zvematongerwo emabhizimisi mitemo haifaniri kuvhara mari yekutonga Nokudaro, mari ye $ 350 inopomerwa nesangano renharaunda haina kuvharwa pasi pemutemo wemotokari yeBusy Builder. Ikozvino yava kutarisana ne $ 3 650 mumari isingabatsiri.
Credit Card Coverage
Nokuti Bob akaramba kurasikirwa kwekurasikirwa kweiver kubva ku Ready Rentals, sangano renharaunda harifaniri kubhadhara chero chikamu chekukuvadza kumotokari inotora. Bob akabvarura motokari kubva kune Ready Rentals achishandisa bhidhidhi kadhi rekwereti. Kufanana nemakadhi akawanda emakadhi, kadhi raBob rinowanzovhara muviri kunokanganisa motokari. Makadhi emakadhi echikwereti anopa kugoverwa apo muchengeti wekadhi akaramba kurasikirwa nekukuvara kweiver. Iko kugoverwa kunowanzopfuura kupfuura chero ipi zvayo inowanikwa yemoto inokanganisa kuparara.
Kuunganidza chero upi zvake pasi pechikwereti chake chekwereti, Bob anofanira kumirira kusvikira agamuchira chikwereti kubva kumotokari yake yemota. Kufanana nemitemo yemotokari, kubhadhara kadhi rechikwereti hakuregi kuderera kwekukosha. Inosanganisirawo kurashikirwa kwekushandisa uye mari yehutungamiri. Pamusoro peBusy Builder's $ 3650 mune kunze kwe-muhomwe mari, kadhi rechikwereti richabhadhara chete $ 500 inotora.