Kupfurikidza neAmbrella Coverage
Mipurora yakawanda inopa hutano hwemutoro wepamusoro uye musambura.
Kugovera zvakanyanya kunopa mitsara yakawedzerwa apo kurasikirwa kunopfuura mitsara inopiwa nemutemo wako wepamusoro wemhosva. Umbrella coverage inoshanda kune kurasikirwa kusina kuvharwa neshuwarisi yepamusoro.
Zvimwe zvinonzi maambura zvinyanyiso zvinopfurikidza pakuvhara. Zvinongoratidzira ruzivo rwakapiwa nemitemo inokosha. Paunenge uchitenga kuti uwane amburera, tsvaga mutemo unopa huwandu hwakawanda kupfuura hutungamiri hwako hukuru. Mutengi wako kana mutengesi anogona kukubatsira kuti uone kuti amburera ipi yakakodzera kwauri.
Insuring Agreement
Chibvumirano chekusimudzira ndicho chikonzero chemuraira. Iyi nzvimbo inonzwisisika inotanga apo kuongorora mutemo. Inoumbwa neshoko rakazara rinotsanangura kugoverwa kwakapiwa. Pane zvinhu zvitatu zvinokosha kuti utarise muchibvumirano chekusimudzira.
Chokutanga chirevo chekuti inshurensi "ichabhadhara." Izvi zvinoreva kuti inshuwarheni ichabhadhara zvinokanganisa mberi pane kupa mubhadharo.
Dzivisa chero sarudzo inotanga nemutsara wekuti "tichakudzikinura iwe." Izvi zvinoreva kuti mu-insurer wako achakubhadhara iwe nokuda kwezvokubhadhara chete mushure mekunge waibhadhara muhomwe yako.
Chechipiri, amburera inofanira kuva nemafambisirwo akafanana ( zviitiko kana zvinenge zvataurwa ) sezvinonyanya kukosha mutemo .
Kana chikamu chepamutemo chekuita chinoshanda pane chimwe chinhu chinoitika, umburera inofanira kushanda pane zvinoitikawo zvakare. Saizvozvowo, iwe unofanirwa kutenga umbrella inopomerwa kudai iwe wako mukuru wepamusoro wepamutemo mutemo ndeyezvakaitwa-zviiti.
Chechitatu, chengetedza kuti uone kana amburera inosanganisira yekuchengetedzwa kwega-insured (SIR). SIR idhini yemari (yakadai se $ 10 000) yaunofanira kubhadhara kunze kwehomwe yekutora imwe neimwe iyo yakafukidzirwa nemusera asi asi kwete neunishuwarenzi yako yepamusoro. Kana zvichibvira, sarudza sarudzo pasina SIR.
Ndiani Akafukidzwa?
Mutemo wemaamburera unofanirwa kuvhara vanhu vose uye masangano anotsanangurwa mu "chikamu chekuchengetedzwa" chebato rako rose uye mitemo yezvokutengeserana zvemari . Zvakanaka, ichapa huwandu hwekupararira kupfuura hutano hwako hwekutanga.
Chimwe chinhu chinokosha chaunofanira kutarisa chiri chekugoverwa kwekutsvaga kune mamwe insureds . Izvi zvinoderedza kudiwa kwekuwedzera mumwe nemapoka kumusula wako kuburikidza nekubvumira . Mimwe mitemo inobatanidza mamwe marudzi ezvimwe inshuwarisi zvakadai seimba kana vatengesi . Vamwe vanofukidza mapoka ose akabatanidzwa sevamwe ve insureds pasi pemitemo yenyu yepamusoro. Mimwe marumisikidzwa kukwaniswa kupararira kumapato ayo anodiwa kuve akafukidzwa sevamwe insureds pasi pemitemo yechirongwa chakanyorwa.
Kudzivirira
Chikamu chekuzvidzivirira chemutemo chinofanira kutaura kuti inshuwarheni ichabhadhara mari yekuzvidzivirira kunze kwe (kwete mukati) mutemo wekugadzirisa. Izvi zvinokosha sezvo mari yekudzivirira kudai inogona kuva yakakura. Kana izvi zvikwereta kuderedza muganhu wako we inshuwarisi, iwe unogona kunge uine zvishomanana kana kuti hapana chinyorwa chakasara kuti ubhadhara zvinokuvadza.
Mamwe maamburera haatauri zvakajeka kana mari yekudzivirira inobhadharwa kuwedzera kune muganhu. Muchiitiko ichi, tsvaga izwi rokuti kukanganisa kwekutevedzwa kwematare . Chibvumirano chekusimudzira chingareva kuti inshuwarheni ichabhadhara kurasikirwa kwekambani kwevashandi. Kana sangano iri rine shoko iri, tarisa kumusoro kwaro kureva muDzidziso dzechikamu. Iva nechokwadi chekuti kurasikirwa kwekutevedza kwekambani hakurevi kudzivirira mari.
Exclusions
Kana uchinge watenga chikwereti chevashandi uye motokari yemhosva yveshuwarenzi , umburera yako inofanira kuisa izvi zvinyorwa zvakare.
Iva nechokwadi chekuti hazvibvumi.
Kana uchitarisa chinyorwa chinyorwa, iva nechokwadi chekubvunza kuti zvipi izvo zvinogamuchirwa uye zvinoshandiswa nemubhizimisi huchawedzera pane mutemo. Cherechedza kuti amburera inogona kusimbisa mamwe kurasikirwa ayo akafukidzirwa nenheyo yekutanga. Semuenzaniso, maambura akawanda haafaniri kukanganisa zvivako zvezvivako zvekuchengetedza kana kuchengetedza, kusanganisira kukanganisa kune zvivako zvaunodhara . Saizvozvowo, mazamu akawanda haafaniri kuita zvisungo zvaunopiwa iwe pasi pemotokari asina uninsured kana kuti pasina-mhosva mhosva yemotokari .
Mamiriro ezvinhu
Amburera mazhinji ane urongwa muChechi chechikamu chinonzi Maintenance of Underlying Insurance. Iri gwaro rinowanzoita kuti iwe uchengetedze mitemo yepamusoro yaive yakashanda pawakatenga umburera. Kana iwe ukarasa kana usingaitizve mutemo wekutanga, iwe unofanira kuzivisa kamwe wako umbrella bhizimisi.
Pakupedzisira, ndima inoshandiswa mumusambura inofanira kuva yakawanda kupfuura iyo iri mumitemo yako yemitemo. Kazhinji amburera anofukidza zviitiko uye njodzi dzinoitika chero kupi zvako munyika.