Rating Territory
Vatsigiri vehurumende kana masangano ekuenzanisa anowanzoparadzanisa nyika munzvimbo dzenharaunda dzinonzi zvikamu zvemahara.
Nharaunda yega yega yega inofanirwa kuita kuti iparadzanise nevamwe. Semuenzaniso, ndima imwe inogona kunge iri mumaruwa uye imwe yeguta guru. Saizvozvowo, ndima imwe inogona kunge ine yepamusoro yehupfumi kupfuura imwe.
Nhamba dzenharaunda dzinoratidza kusiyana kwengozi. Kugadzikana kwemigwagwa uye kuparwa kwemhosva kunowanikwa munzvimbo dzakawanda dzine vanhu vakawanda. Nokudaro, mitengo inowanzokwira munzvimbo dzomumaguta kudarika mumaruwa. Motokari inogoverwa nharaunda yepamusoro yenzvimbo iyo yakachengetedzwa. Cherechedza kuti ndima yekutarisa haina kufanana nenharaunda yekugoverana kwenyika .
Fleet Versus Non-Fleet
Pasi pemutemo wekutengeserana motokari, motokari dzinotarisirwa kune zvikepe kana kuti zvisiri zvezvikepe. Fleet mutengo inowanzoperera pane zvisiri zvezvikepe. Ngarava dzinowanzobatwa nemotokari shanu kana kupfuura (self-car or tractor). Ngaraira haisi yekuzvidzivirira, saka magwagwa haafaniri kuiswa mumotokari yemota.
Zvisinei, vatengesi vanokodzera kugadziriswa kwemotokari kana muiti wemagetsi ane zvivako zvishanu kana kupfuura izvo zviri kuzvidzivirira. Kana iwe usingazivi kana motokari dzako dzichienzaniswa sezvikepe, chengetedza newaini yako kana mutengesi .
Iko kune zvikamu zviviri zvinokosha zvezvitoro zvinoshandiswa zvebhizimisi. Imwe inoumbwa nemarori, matareta nemashamba.
Boka rechipiri rinoumbwa nevanhu vari voga motokari yemotokari (motokari).
Matori, Matrekta uye Trailers
Kuyera kwematori, matarekitari nemakororo kunobva pane zvimwe zvinhu. Izvi zvinosanganisira ukuru hwemotokari, mararamiro ayo anoshandiswa nawo, uye nzvimbo yaunofamba nayo.
Size Class
Pasi peSOO classification system, madori akaiswa muhukuru makirasi anobva pahutori hwehutoro hwavo (GVW). IGVW inotsanangurwa nemuti. Iko kuyerwa kwemotokari iyo inotakurwa kune yakakwana nevanhu uye mutoro. Zvichienderana neGVW yayo, motori inogona kuverengwa sechiedza, miviri, inorema, kana yakawandisa (ona tafura iri pasi). Kari duku kate-picking inogona kunge yakarongerwa segorozi. Imwe motokari yakakura, kune rumwe rutivi, inogona kuve yerori rinorema.
| Size Class | Gare Gorosi Weight (Pounds) |
| Light Truck | Kusvika ku10 000 |
| Medium Truck | 10,001 kusvika 20,000 |
| Heavy Truck | 20,001 kusvika 45,000 |
| Yakawedzerwa-Inotakura Matori | Vanopfuura 45,000 |
| Heavy Truck-Tractor | Kusvika ku 45,000 (GCW) |
| Zvimwe-Mutoro Wakatakura-Terekta | Vanopfuura 45,000 (GCW) |
Makori makuru akakura kupfuura zviduku. Kana ngoro huru ichipindirana nechimwe chinhu, zvinowanzoita kupfuura koro kaduku kunokonzera kukuvara kwakakomba mumuviri kana kukanganisa kwemuviri . Somuenzaniso, ngatitii imwe motokari yakakura-gorosi uye motori yemoto iri vaviri iri kufamba nemhepo imwe chete.
Motokari imwe neimwe inomira chiratidzo chekumira uye kumashure-inopedza motokari yevatakuri voga. Nemhaka yokuti motokari inotakura yakawanda kwazvo kupfuura yemotokari, iyo inogona kukonzera kukanganisa kwemotokari kupfuura peji.
Ngoro huru inowedzerawo kupfuura imwe duku kuderedza kukuvara kwakanyanya kune vatasvi. Mumuenzaniso wakataurwa pamusoro apa, motokari inodhura yakawanda kupfuura iyo yemotokari kuti inokuvadza vatasvi vemotokari yega yega. Nokudaro, sezvo uwandu (huwandu hwemotokari yemotokari) yemotokari inowedzera, muyero wakatarwa wekuvharwa kwemhosva unowedzerawo zvakare.
Kuremera kwemotokari-matareta kunoratidzwa maererano nehuwandu hwehuwandu hunosanganiswa (GCW). Ichi ndicho chiremera chetikiti yakazara zvakakwana uye trailer pamwe chete. Iko GCW inosanganisira kurema kwevatakuri nemitoro.
Shandisa Kirasi
Ngoro dzinopiwawo kirasi yekushandisa , iyo inogona kushanda, kutengesa kana kutengesa.
Ngoro inotsanangurwa sekushandiswa kwebasa kana iyo inonyanya kushandiswa kutakura zvishandiso nemichina kune nzvimbo dzebasa. Semuenzaniso, muchengeti wemapuranga ane zvikwata zvitatu zvinoshandiswa nevashandi vekambani kuenda kunzvimbo dzebasa. Matori aya anosarudzwa sekushandiswa kwebasa nokuti akamira panzvimbo dzebasa kune zvakawanda zvezuva rimwe nerimwe rebasa. Ngoro inonzi yakashambadzirwa kana inoshandiswa kutora kana kutumira pfuma kune imwe kana kubva kune imwe mhuri. Muenzaniso ivha inoshandiswa nehuisi yakaoma yekupa zvipfeko kumisha imwe neimwe. Ngoro isina kukodzera kubasa kana kushandiswa kwekutengesa inorondedzerwa sekushandiswa kwebhizimisi. Muenzaniso ngoro inoshandiswa nemuchengesi wekutengesa kunounza michero nemiriwo kumaresitorendi.
Motokari dzinoshandiswa dzinotambirwa mari yepamusoro yepamitengo yepamusoro pane yekutengesa kana yekutengesa motokari. Saizvozvowo, motokari dzinoshandiswa zvekutengesa dzinowanzopiwa mari yemadhora ekubhadhara mari shoma kudarika zvigadzirwa zvemabhizimisi.
Radius Class
Chimwe chikonzero chinokanganisa zvigadzirwa zvemakambani ezvemabhizimisi ndeyero rekushandisa. Iyi ndiyo nzvimbo iyo motokari inowanzofamba zuva rimwe nerimwe kubva panzvimbo yainochengeterwa. Nharaunda inoverengerwa kushandiswa nemutsara wakajeka kubva kubva pakutanga kuenda kune imwe nzvimbo. Imotokari yekutengesa inopiwa kune imwe yezvikoro zvinotevera:
- Mharaunda Kusvikira makiromita makumi mashanu
- Pakati pemakiromita 51 kusvika mazana maviri
- Yakareba Kubva Kupfuura mamita mazana maviri
Somuenzaniso, Frieda's Floral inopa maruva mukati memakiromita makumi mashanu echitoro chaFrieda. Nemhaka yokuti motokari yaFrieda haifambi makiromita anopfuura makumi mashanu kubva pachitoro chake, motori yake inoshandiswa mukati meharaunda. Kana gori raFrieda raifamba pakati pemakiromita 51 ne2002, raizova neparutivi rwenharaunda. Chero motori inofamba makiromita mazana maviri kubva kure inofungidzirwa kure-kure. Mirefu-kure nemotokari (kunze kwemasori emotokari) ari pasi pehuwandu hwehutano hunonzi zone zone .
Imotokari inofamba mukati memakiromita makumi mashanu nemiraira inowanzopiwa mutero wepamusoro wepamusoro wepamusoro kune motokari yakafanana inofamba kure. Kazhinji kutaura, motokari dzinofamba marefu akareba dzine ngozi huru yezviitiko kune avo vanofamba marefu marefu.
Kuparadza Kwepanyama
Imba yepamusoro inotambirwa kukuvadzwa kwepanyama mumotokari inotengeserana inotarisa nguva yemotokari uye inotengeswa itsva. Mari inotengeswa ndiyo yekutanga motokari yekutenga. Zera rakakosha nokuti zvikwereti zvemhosva yekurasikirwa kwemuviri zvinorasikirwa zvinoverengerwa zvichienderana nemotokari chaiyo yemari yemari (ACV). IAACV yemotokari inoderera sezvairi makore. Nokudaro, iyo mihorosiyamu inokonzerwa nekukuvara kwepanyama kugoverwa kunopera gore negore. IAACV yemotokari ndiyo inonyanya kuve yako mubhadhadziro inobhadhara kana zvichiitika kurasikirwa kwese .
Zera uye kutengesa zvitsva handizvo chete zvinokonzera kupera kwako kwepanyama. Muchengeti wako wechizinesi achaonawo nzvimbo yemotokari yenharaunda, shandisa kirasi, kirasi yechikoro, uye ukuru (GVW). Nharaunda, shandisa kirasi uye kirasi yechikwata zvinokanganisa dambudziko rezviitiko zvemotokari. Nharaunda iyi inogona kuratidza kuwedzera kana kuderera kwengozi yekurasikirwa kwebasa. Ukuru hwemotokari inobata kugadzirisa mari. Magetsi makuru anowanzogadzirisa zvakawanda kugadzirisa kudarika zviduku.
Kukuvara kwepanyama kugoverwa kazhinji kunosanganisira deductible. Iyo deductible inomiririra chikamu chekurasikirwa kwese kunobhadharwa ne policyholder. Sezvo deductible inowedzera, mari yaunobhadharwa iwe yekubhadhara muviri kunowedzera kupera.
Private Passenger Types
Nhamba yevatasvi vemunharaunda vari voga yakajeka kupfuura iyo yamakori. Mutengo wekubhadhara wemotokari inowanzovakirwa pane imwe nzvimbo yakaderedzwa. Uyu mutero unopesana zvichienderana nenharaunda yenharaunda. A "muganhu" inoshandiswa kune pamba rakapetwa kuratidza muganhu wakatengwa. Izvozvo zvinowedzera sezvo muganhu unowedzera.
Imba yepamusoro inotambirwa kukuvadzwa kwepanyama mumotokari yega yega inotarisana nezvinhu zvinotevera:
- the rating field
- nguva yemotokari
- motokari inodhura itsva
- the deductible
Iko purogiramu yekuparara kwepanyama pamotokari yemunhu ari pamba inoderera sezvo motokari yemakore. Iko kutanga kwacho kunodererawo sezvinowedzera kuwedzerwa.