Kudzivirirwa Kusiyana neKubvumira Kuzvidzivirira
Supplementary Payments ( kudzivirira ) ndechimwe chezvinyorwa zviviri zvinokosha zvakagadzirwa nehuwandu hwematongerwe enyika. Icho chimwe chikwereti chinyorwa. Kudzivirira uye kubhadhara kunopiwa zvakasiyana.
Chengetedzo yekugoverwa chete inotarisana nemiganhu.
Indemnity Coverage
Indemnity coverage inoshandiswa kune zvinokuvadza uye misha yako iyo inshuwarisi inokubhadhara iwe kune vechitatu. Inosanganisira kubhadhara yako inshuwarisi inoita pasi peChevhesi A, B, kana C. Pfungwa A, Bodily Injury uye Imba Kukuvadza Mutoro, inosanganisira kukuvadza iwe unobvumirwa nemutemo kubhadhara nekuda kwekukuvara kwemuviri kana kukanganisa kwezvinhu kunokonzerwa nechiitiko. Bhuku B, Bhuku uye Kuparidzira Kukuvadza , rinosvibisa zvinokuvadza iwe unobvumirwa nemutemo kubhadhara nekuda kwehutano hwevanhu pachavo nehupfumi hunokonzerwa nemhosva. Coverage C, Medical Coverage, inosanganisira mari yezvehutano inowanikwa nevanokuvadzwa.
Chero zvinokanganisa, zvigaro uye / kana mari yezvechiremba yako inishuwarenzi inokubhadhara iwe ndeye chikamu chekubhadhara mari. Izvi zvikwereti zviri pasi pemiganhu inorondedzerwa mubumbiro rako.
Supplementary Payment (Defence) Coverage
Zvokubhadhara Zvokuwedzera zvinosanganisira mari yekuongorora chero zvipi zvayo uye kudzivirira chero mhosva dzinopomerwa pasi peChechi A kana B.
(Coverage C inoshanda kumari yezvemishonga, kwete mhaka, saka hapana kudzivirirwa kunoshanda.) Somuenzaniso, fungidzira kuti iwe unoshanda horesitorendi. Jim, mutengi, anokwidza kudengenyeka kwomuviri kunopikisana nekambani yako. Iye anotaura kuti sandwich yaaidya paresitorendi yako yakaita kuti arware. Jim anokutumira tsamba inoda $ 15,000.
Iwe unotumira zvido kune wako inshuwarisi .
Muchengeti wako wepuresi anoongorora zvinotaurwa kuti aone kana iri yakakodzera. Kana Jim pakupedzisira akakwidza mhosva pamusoro pekambani yako, wako insurer achapa gweta kuti akudzivirire. Iko mari inoshandiswa nemubhizimisi inowedzera mukuitisa tsvakurudzo nekukudzivirira pamusana weJim soro iri pasi peAdding Supplementary Payments.
Kufanana nemitemo yakawanda yemhosva, ISO fomu inosanganisira kuzvidzivirira kwemari kunze kwenheyo yemuganhu. Izvi zvinoreva kuti kuzvidzivirira mari hazvirevi kukwana kwako.
Mariro inosanganisira muZvipo Zvokuwedzera
Zvokubhadhara Zvokuwedzera zvinosanganisira vatongi vemari, matare edzimhosva, mari yemabhadharo pane dzimwe zvibvumirano, uye chikwereti chinotambirwa pamitongo yakabhadharwa kune vamwe vatatu. Izvi zvinotarisirwa chete maererano nezvipupuriro iyo inishuwarenzi inoongorora kana kugadzirisa, kana kuti inoisimudzira inodzivirira.
Pasi pemutemo we ISO unotarisirwa, Kuwedzera Kwekubhadharwa Kwekubhadhara kunosanganisira zvikamu zvinomwe zvinotevera zvemari. Kana nheyo yako yakanyorwa pane fomu yemuiti wehupfumi, iyo mari yakavharwa inogona kunge yakafanana, asi kwete zvakafanana, kune avo vakarondedzerwa pasi apa.
Mari Inoshuwarenzi
Nheyo yacho inopa kugoverwa kusingagumi kwemari yekudzivirira iwe kana kuti imwe inshurenzi pamusoro pemhosva.
Mupepeti anopiwa nyaya yako angashandiswa nemubhizimisi kana nekambani yemutemo yakasununguka.
Bhaari Bonds
Muchengetedzi wako achabhadhara kusvika madhora mazana maviri nemakumi maviri nemakumi mana (250) kuitira kuti mari yebhasi inobatanidzwa inotarisirwa nekuda kwenjodzi kana kupomera kwemutemo wepamigwagwa inobva pakushandiswa kwemotokari yakafukidzwa nekukuvadzwa mumuviri. Muchirevo chechirevo chekodzero yevose, "motokari" zvinoreva zvigadzirwa zvemhando. Mitemo yemitemo inosanganisa ngozi dzinobva mukushandiswa kwemotokari.
Somuenzaniso, fungidzira kuti mumwe wevashandi vako akasungwa nemapurisa ekusiya nzvimbo yepakona yemotokari yakakonzera kukuvara kune munhu anofamba. Iyi njodzi yakaitika apo mushandi akanga achityaira purogiramu yemapurazi. Mutemo wako uchabhadhara kusvika pa $ 250 kutarisira mari yebhengi yakabhadharwa panzvimbo yevashandi.
Attachment Bond
Chinangwa chekubatanidza chibatanidzwa chinonyatsotsanangurwa nemuenzaniso. Ngatitii mutengi akaisa mhosva pamusoro pekambani yako. Zvinoratidzika kuti muchengeti achakunda kutongwa newe. Zvisinei, mutomeri anokanganisa kuti iwe ungasvetuka guta (kana kuita chimwe chinhu) kuti urege kubhadhara zvinokanganisa. Nokudaro, anokumbira dare kuti ribatanidze (kubata) imwe nzvimbo yako. Kana ukakundikana kubhadhara zvinokanganisa, dare rinogona kutengesa imba yacho kuitira kuti mubhadhare muchengeti.
Iwe unogona kuva neimba yakabudiswa nekutenga chisungo chekubatanidza . Icho chisungo chinosimbisa kuti kutongwa pamusoro pako kuchabhadharwa. Nheyo yako ichabhadhara mari yekubatanidza bhadha kana chikwereti ichi chiri mukati memuganhu unoshanda we inshuwarisi.
Investigation Expenses
Muchengetedzi wako achabhadhara "zvinonzwisisika" mari yaunoita kuti ubatsire mukutsvakurudza kwaro kudai. Semuenzaniso, iyo inshurensi inogona kukumbira iwe kuti uende kune imwe nzvimbo panguva yekushanda. Iyo inshurensi ichabhadhara mari yaunotora (kutakura, kupaka motero, etc.) kuti uite. Ichabhadhara zvakare kusvika ku $ 250 pazuva kuti kurasikirwa kwezvikwereti nekuda kwenguva unobvisa kubva kubasa.
Court Costs
Muchengetedzi wako achabhadhara mari dzakasiyana-siyana dzedare dzinogona kutongerwa kwauri kana muchengeti ari kutonga mhosva. Mienzaniso ndiyo mitero yekufambisa sutu, mari yekutendwa kwematare, mari yekukopa mabhuku, nemhosva ye subpoenas inoshandiswa pane zvapupu.
Kana muchengeti akakunda nyaya yacho uye iwe unofanirwa kubhadhara zvose kana chikamu chemari yemhosva yake, iyo mari inofungidzirwa kuti yakanganisa, kwete Kuwedzera Kwekubhadhara. Ndiko kuti, muchengeti wemhosva yemhosva yemhosva (kwete yemari yemhosva yako) anogadzirisa semhirizhonga.
Kufungidzira Kufarira
Kufanorongedza kufarira kwakagadzirirwa kubhadhara muchengeti wekukuvara kana kukanganisa iye kana anotambura pakati penguva yekukuvadzwa kana kukanganisa kunoitika uye nguva iyo kutongwa kunopiwa nedare. Mutemo wehurumende unotarisa kuti kufarira uku kunoratidzwa sei. Iyo inishuwarenzi ichabhadhara chikwereti chete pane chikamu chekutonga kuripa (kana bhizimisi yako iri kugoverana mutongo nemumwe bhizimisi.)
Post-judget Interest
Kutongwa kwemashure kwekutonga kunobhadhara mucheri wekukuvadzwa kana kukanganisa kwakaitwa nenguva iyo dare rinotonga mutongo kusvikira mutongo wacho uripo. Chirongwa chekutonga chibharo chinobhadharwa pamutengo wakakwana wekutongwa. Inotarwa maererano nemitemo yenyika.
Apo Coverage Inopera
Muchengeti wako wechipatimendi anofanirwa kubhadharira kudzivirirwa uye nedzimwe mhosva dzematare kusvikira muganhu unoshanda wemhosva wakashandiswa kumusoro mukubhadhara kwekugadzirisa kana kutonga. Somuenzaniso, funga kuti chinangwa chako chinosanganisira $ 100,000 muganhu weNokuvadza kune Zvimwe Zvakatengwa Kwauri . Moto unopera muimba yawakabvarura, zvichikonzera kukuvadza kwakanyanya. Muridzi weimba yako anokukumbira kuparadzwa kwepfuma uye zvinoda $ 150 000 mukukuvadza kuripa . Muridzi weimba yako anoramba $ 100,000 kugadziriswa. Muchengeti wako wekugadzirisa ekupedzisira anopa mari ye $ 100,000. Mutemo wako unobatanidza mari inobatanidza kudzivirirwa kwako kusvikira mutero we $ 100,000 wakagadzirwa. Pane imwe nguva muganhu wako wakaneta, kuzvidzivirira kwako kuvhara kwekuparara kwemoto kunopera.