Vashandi vebhizimisi havafaniri kuvimba nemunhu wega purogiramu yemoto yekuvhara motokari dzinoshandiswa mune zvebhizimisi.
Mitemo yega inogadzirirwa kuvhara vanhu nemhuri dzavo. Havana kukodzera mabhizimisi sezvo ivo kazhinji vane zvinyorwa zvine chokuita nebhizimisi. Mitemo yega yega inoshaya kuchinja uye kufarira kwakapetwa kunowanikwa nekutengeserana kwemitemo yemagetsi.
I. Business Auto Policy (BAP)
Vatsigiri vakawanda vanotora mabhizimisi ekutengeserana kwepamutemo mazano emitemo yakadhindwa yakabudiswa neIO . IIOO yekutengeserana motokari inonzi inonzi Business Auto Policy (BAP). Izwi remitemo rinoreva chikamu cheshuwarisi yakakwana. BAP kazhinji inosanganisira fomu yekudzidzira motokari, kuzivisa moto, uye zvipikiso zvakasiyana-siyana. IIO Business Business Policy inonyanya kushandiswa. Inogona kushandiswa kuvhara marudzi akawanda emabhizimisi, maviri makuru uye maduku, mune zvakasiyana-siyana zvemabhizimisi. Sarudzo yakasarudzwa yezvibvumirano zvinowanikwa kuitira kuti kugoverwa kunogona kuchinjwa sezvinodiwa.
Vamwe vatsigiri vanoshandisa mafiro avo emabhizimisi ezvokutengeserana panzvimbo yeIO mafomu.
Vamwe vanoshandisa kusanganiswa kwemafomu eSOO uye kuvigirwa kwezvinhu.
II. Bhizimisi Auto Coverage Form
Mutsara we ISO BAP ndiyo Business Auto Coverage Form. Iyi fomu ine zvinhu zvinokosha zvemurairo. Inosanganisira zvikamu zvishanu zvinokurukurwa pasi apa.
Chikamu I, Covered Autos: Chikamu chekutanga chinotsanangura zvinorehwa ne "autos yakavharwa".
Chaizvoizvo, motokari "dzakaputirwa motokari" pasi pehuwandu hwekugovera kana iwe wakabhadhara mubayiro wekudzivirira kuti ugoverenge. BAP inoshandisa chidimbu chezvidimbu zvenhamba kuti uone marudzi emotokari yakavharwa. Izvi zviratidzo, zvinonzi yakavharwa motokari mazita zviratidzo , zvinosanganisira nhamba 1 kusvika ku 9 pamwe chete 19. Chimwe nechimi chinomiririra chikamu chemotokari yakavharwa. Somuenzaniso, chiratidzo 1 chinoreva "chero motokari" apo chiratidzo 2 chinoreva "autos owned chete".
Izvo zvizivo chikamu chepurogiramu yako chinoratidza motokari "dzakaputirwa motokari" yega yega yega yaunotenga. Somuenzaniso, ngatiti iwe wakatenga chikwereti chekuchengetedzwa kwemhando dzose dzemotokari. Izvi zvinosanganisira autos kambani yako ine, autos iyo inobhadhara, uye motokari hainayo. Iwe wakatengawo kuora kwekugadzirisa muviri kwe autos kambani yako pachako. Mazano ako emitemo anoratidza chiratidzo 1 (chero motokari) iri pedyo nepamusoro pekuvharira, uye chiratidzo 2 (iyo ine autos chete) pedyo nehutano hwekuparadzirwa.
Chikamu II, Mutemo Wakavharidzirwa: Chikamu II chinotsanangura nezvekubhadhara mutengo wezvokutengeserana . Izvi zvakachengetedza kuchengetedza kwako kusimba zvikwereti zvemazuva matatu zvichikonzerwa nengozi dzinokonzerwa nemotokari inoshandiswa mubhizinesi rako. Kuzvimiririra zvekutengesa zvakakwana kunokosha nekuti motokari dzemotokari dzinogona kuunza mhosva huru dzemhosva pakurwisana kwako.
Iwe unogona kudikanwa nekugoverana kunyange kana bhizinesi rako risina rake chero motokari. Kukodzwa kwemotokari uye motokari dzine vashandi zvinokonzera njodzi kana dzichishandiswa mubhizinesi rako. Kana motokari yemotokari kana yevashandi-iyo inobatanidzwa mutsaona uye mutyairi ari pane-kukanganisa, kambani yako inogona kutongwa nokuda kwekukuvadzwa kunotsigirwa nevanhu vatatu.
Kutengeserana kwezvokuchengetedzwa kwezvokuchengetedzwa kwezvokuchengetedzwa kwekuchengetedza kuchengetedza yakasimba yako kurwisana nevechitatu- kudaidza kwekukuvara kwemuviri kana kukanganisa kwepanyika kunokonzerwa nenjodzi inokonzerwa nokushandiswa kwemota yakavharwa Inopawo zvimwe zvinyorwa zvekusvibiswa kuchenesa mari dzinotangira pangozi yemotokari.
Ndiani Anonzi Akachengetwa: Nokuti mutoro wekuti motokari inofanirwa kuvharwa neBAP, inofanira kubva kune njodzi inokonzerwa nemotokari yakavharwa. Mukuwedzera, kudai kunofanira kuiswa kune anishuwarenzi.
Mapato anokodzera kuva insureds pasi pekuita basa rinotarisirwa anorondedzerwa mundima inonzi Ndiani An Insured. Zvinosanganisira zvinotevera:
- Iwe: "Iwe" zvinoreva uyo anonzi inshurenzi. Uyu ndiye munhu kana kambani yakanyorwa pane kuzivisa.
- Vashandi Vanobvumidza: Mumwe munhu wese ari kutyaira motokari yakavharwa iwe iwe, kubhadhara kana kukwereta nemvumo yako ndeye inshuwarisi. Izvi zvinoreva kuti, kana iwe ukabvumira mumwe munhu (akadai semushandi kana kuti mukuru wekambani) kuti adzire motokari yaunayo, kubhadhara kana kukwereta, mutyairi ishuwarenzi. Vanhu ava vanowanzoti vashandisi vanobvumidza.
- Omnibus Insureds: Uyewo munhu akachengeteka ndiye munhu ane mhosva yekuita kwako kana mufambiro wemushandisi wemvumo. Kazhinji inonzi semnibus clause , shoko iri rinofukidza ani zvake angave akatongerwa zviri pamutemo pangozi inokonzerwa nemunhu anonzi bhizinesi kana kuti munhu anoshandiswa.
Pakati pemhando mitatu ye insureds, iwe unopiwa huwandu hwakawanda hwekugovera. Iwe wakafukidzirwa chero ipi zvayo yakavharwa motokari . Ipi motos "yakafukidzwa" inobva pane zviratidzo zvinowanikwa pedyo nekukwanisa kubhadharwa mune chikamu chekuzivisa kwehutano hwako. Iwe uri inshuwaridziro kana kuti iwe hausi kutyaira motokari apo njodzi inoitika. Izvi zvakakosha nokuti vashandi vanowanzokwanisa kubhadhara mitemo yevashumiri vavo. Kana iwe wakapomerwa semugumisiro wepakaona yemotokari inokonzerwa nevashandi vasina hanya, iwe unofanirwa kuvharwa nekuda kwekutaura.
Cherechedza kuti vashandisirwe vekambani nevashandirwi havasi insureds pavanenge vachityaira motokari dzavari ivo pachavo. Motokari dzakadaro dzinofungidzirwa kuti hadzina autos nekuti haisi yewe (iyo inonzi anishuwarenzi).
Iko omnibus clause inopa kugovera zvakananga kune ani zvake angave akachengetedzwa achida kukanganisa motokari yakakonzerwa newe kana kuti munhu anoshandisa mvumo. Iri gwaro rinobvisa chidikaniso chekuwedzerwa kwekuchengetedzwa kwebhizimisi pasi peBAP.
Kunyange zvazvo bhizinishuwarenzi yemari yekutengeserana yega yekutengeserana inobatanidza zvakapararira, haifaniri kuvhara zvose zvinodanwa Mamwe marudzi ezvokutaura haana kubviswa. Izvi zvinotsanangurwa mune chikamu chekuregererwa kwechikamu chemufomu wekudzidzira motokari.
Chikamu III, Kuparadza Kwepanyama Pakati: Chikamu III chemuchina wekuvhara motokari inotsanangura kuparadzirwa kwehutano hwehutano . Kuti unzwisise izvi, iwe unofanira kunzwisisa mutsauko pakati pekuvaraidza kwemuviri uye kukanganisa kwepfuma. Kuparara kwepanyama yemishuwarenzi ndeyekutanga kuparidzira. Inosanganisa kukanganisa kwezvikwata zvinotengeswa nekambani yako. Pakuvadzwa kwehupfumi kugoverwa ndewechitatu-bato (mhaka) kugoverwa. Inosanganisira kukanganisa kune imwe nzvimbo yevanhu (kusanganisira autos) iyo yakakuvadzwa mune ngozi yemotokari iyo iwe kana imwe inshuwarheni inotarisirwa.
BAP inopa mhando mitatu yekukuvara kwepanyama kugoverwa:
- Kunyatsonzwisisa: Kuvhara kurasikirwa nemotokari yakavharwa nechinangwa chero chipi zvacho kunze kwekuti motokari iparadze kana kusangana kwayo nechimwe chinhu. Mienzaniso yezvikonzero zvinokonzera kurasika ndezvokuba, chimvuramabwe uye kuparadza.
- Zvinonyanyoita Zvinokonzera Kurasikirwa: Kurasikirwa nekurasikirwa kunokonzerwa nemhando ipi neipi yematambudziko. Ichi chinyorwa ndeimwe nzira inodhura yekutengesa zvakakwana.
- Kurwisana: Kuvhara kurasikirwa nemotokari yakavharidzirwa inokonzerwa nekudengenyeka kwemotokari kana kupikisana nechimwe chinhu.
Chikamu IV, Bhizimisi Auto Mamiriro Ezvematongerwo: Zvikamu zvechikamu zvine zvikamu zviviri. Yokutanga inoshanda kune kurasikirwa. Inotsanangura zvamunosungirwa pasi pemutemo kana njodzi, kuda kana kurasikirwa kunoitika. Inotsanangurawo kuti kuora kwepanyama kunokonzerwa nekubhadharwa sei. Chigadziro chechipiri chemamiriro ezvinhu chakanyanya. Semuenzaniso, rinotsanangura ndima inoshandiswa , uye rinotsanangura kuti hurongwa hwako huchashanda sei kana imwe inshurensi iripo.
Chikamu V, Tsanangudzo: Chikamu chekupedzisira chine tsananguro yemitemo . Ichi chikamu chemufomu chinotsanangura zvinoreva mazwi anokosha mumutemo, semotokari uye zvigadzirwa zvefoni .
III. Zvimwe Zvinyorwa Zvishanduro
Bhizinesi Auto Auto Coverage Fomu inosanganisira zvikamu zviviri chete zvinovharidzirwa: mutoro wemotokari uye kukuvara kwemuviri. Zvimwe zvikamu uye kugoverwa zvigadzirisho zvingawedzerwa nekubvumirwa.
Zvimwe Zvinyorwa: Ndezvipi zvinyorwa zvitatu izvo zvinowanzowedzerwa kune zvekutengeserana motokari.
- Uninsured Motorist (UM) uye Mufambisi Wechechi (Underwearured Motorist (UIM) : Kubhadhara kweMU kunokwereta zvinokanganisa iwe haugoni kudzorera nekukuvara kwakachengetedzwa mumotokari yemotokari nokuti mutyairi ane mhosva anenge asina mvumo yeinishuwarenzi. UIM chinyorwa chinobhadhara icho chikamu chekukuvadza iwe haugoni kudzorera nekuda kwekukuvadzwa kunotsigirwa mumotokari yemotokari nokuti mutyairi wep-fault ane imwe inshuwarisi asi haikwani kuvhara kurasikirwa kwako kwose. UM naUIM zvinotenderwa mune dzimwe nyika.
- Kwete-Kukanganisa: Inobhadhara mari yezvokurapa inowanikwa nemutyairi akachengetedzwa kana kuti mutakure sezvaanoda nemutemo wehurumende. Hapana-kupomerwa mhosva kunotarisirwa mune zvishomanana zvese.
- Kurapa Kwekuzvipira Kwemotokari : Inobhadhara mari yezvokurapa inowanikwa nevatengesi vanovimbiswa nevatasvi (kunze kwevashandi) yemotokari yakavharwa. Kurapa Kwechiremba Kugoverwa kunosarudzwa (kwete kutenderwa).
Cherechedza kuti kubvumirana kwakasiyana kweU / UIM kunoshanda mune imwe nyika. Saizvozvowo, kubvumirana kwakasiyana-siyana kusina mhosva kunoshanda mune imwe nyika iyo yakagadza pasina-mhosva mitemo.
Coverage Amendments: ISO inopa huwandu hwezvibvumirano zvinogona kushandiswa kugadzirisa zvinyorwa pasi peBusiness Auto Policy. Heano mimwe mienzaniso:
- Vashandi seIncureds: Inogadzirisa "chikamu che inshuwarisi" pasi pekubhadhara chikwereti kusanganisira vashandi pavanenge vachifambisa motokari dzisina autom. Chinangwa ndechokuvhara vashandi pavanenge vachityaira motokari dzavo dzavo.
- Vashandi Vanotsvaga Motokari: Inogadzirisa "chikamu chekuchengetedzwa" pasi pekuvharwa kwemhosva kunosanganisira vashandi pavanotyaira motokari dzakabhadhara muzita ravo (pane zita rekambani yenyu).
- Mufambisi Wemubhadharo Wekuvhara: Anokonzera kushamwaridzana kwevashandi pamwe nekugadziriswa kwemari.
- Mari Yokubhadhara Imari / Kushandiswa Kwepamberi Kunoshandiswa: Inoshandiswa apo motokari yakavharwa yakatambura kurasikirwa zvachose, uye iwe une zvakawanda pane zvekutengesa kana chikwereti kudarika motokari yakakodzera. Inovhara musiyano pakati pemari yako pachikwereti kana kubhadhara uye ACV yemotokari.
Vatsigiri vakawanda vanopa "kuwedzera" zvibvumirano zvinogona kuwedzerwa kune zvakananga ISO auto mutemo. Izvi zvinogamuchirwa zvinowanzobatanidza zvigadziridzo zvekuvharidzirwa pasi pezvose zvinokanganisa uye kukuvara kwepanyama. Ndiyo nzira yakanakisisa yekuwana boka rezvinyorwa pamutengo wakakodzera. Nemhaka yokuti zvibvumirano hazvisi zvisizvo, zvinowanzosiyana-siyana kubva kune imwe kuenda kune imwe.