Muenzaniso
Cliff inoshandisa Capital Cafe, nzvimbo yokudyira inowanikwa iri mudhorobha rePleasantville. Kupakona kunogumira pedyo neresitorendi kuitira kuti Cliff ichangobva kusarudza kupa chivako chekuputi.
Cliff yakabhadhara kambani yepasimani mushure mekudya kuti ishandise pamotokari dzemotokari. Cliff 'akashandisa miroti kuti ipake motokari yemotokari apo dare rekuduru rakazaruka.
Mamwe manheru Bill, resitoreji valet, iri kutyaira Mercedes inowanikwa nemutengi anonzi Paula. Bhiri iri kuedza kutungamira Mercedes kupinda munzvimbo yakaoma yekupaka apo iye pangozi anorova accelerator pane mabheki. Bill anoparadza Mercedes kuva BMW yaSteve, mumwe mutengi. Vose motokari dzakasimbisa zvakanyanya fender kuipa. Paula naSteve vakatsamwa pavanoziva kuti motokari dzavo dzakanganisa. Zvose zvinoda kuti Capital Cafe ipe mari yekugadzirisa motokari dzavo.
Iyo cafe inishuwasi pasi pemhosva yepamusoro uye yekutengeserana kwemitemo yemagetsi . Cliff haazive kuti chirongwa chipi chichavhara kukanganisa kwevatengi vemotokari yake kuitira kuti anyore zviyeuchidzo kune vese mabhizimisi. Cliff inodedera apo vose vari vaviri vanoramba kuparidzirwa.
Bhizimisi rega rega rinotaura izvo zvinonzi kutarisirwa, kuchengetedzwa kana kutonga kusabviswa. Kuregererwa (izvo zvakafanana mumitemo miviri) kunogadzirisa kukanganisa kwedzimba kune zvivako kutarisirwa, kuchengetedzwa kana kudzora. Mukupa nzvimbo yekupaka motet, Capital Cafe yakachengetedzwa nemotokari yaPaula naSteve. Nokudaro, kukanganisa kwezvivako zvakaitika kune iyo motokari hazvifukidzwi pasi pemutemo.
Cliff's auto insurer inomuudza kuti kukanganisa kwemotokari yaPaula naSteve ingadai yakave yakavharwa kana ainge atenga gareji chekuchengetedza. Ichi chinyorwa chinogona kuwedzerwa kune mutemo wekutengeserana motengesi kuburikidza nekubvumirwa . Yakagadzirirwa mabhizinesi anotora makodhi emotokari kuti vatore, vagare kana kuita basa pamusoro pavo. Mienzaniso ndiyo magaraji ekugadzira motokari, zvitoro zvemuviri, auto gorosi mabhizimusi, vashanduri vemafuta uye auto zvinyorwa.
Saizvozvowo nePhysical Damage Coverage
Garagekeepers mutoro wakafanana nenzira dzakawanda dzekutengeserana kwekuita kwekugadzirisa kwekugadzikana kwekugadzirisa. Zvisarudzo zvokushambadzira zvakafanana:
- Zvose zvinokonzera kukanganisa motokari yemotokari kune chero chinokonzera kunze kwekurwisana kwemotokari nechimwe chinhu kana kuti kuparadza kwemoto.
- Zvakananga Zvikonzero Zvokurasikirwa Ndeimwe nzira yekutaura zvakakwana. Inoparadza kuparadzwa kunokonzerwa nemoto, mheni, kuputika, kuba, kuipa kana kuparadza.
- Kurwisana Kuvhara kukanganisa kwemotokari yemutengi kwakakonzera kupopotedzana nechimwe chinhu kana kupedzisira kwemoto.
Garagekeepers is Liability Coverage
Garagekeepers coverage yakasiyana nehupenyu hwekukuvara kwehuviri hwehupfumi mukuti iyo yekare ndiyo mhiko yekuvhara. Inosanganisira kurasikirwa kwaunofanirwa kune motokari yako kambani haina.
Kuparara kwepanyama muviri ndeye chimiro chehupfumi hwehupfumi. Inobatanidza kukanganisa ku autos bhizinesi rako pachako.
Garagekeepers inshuwarheni inoparadza dambudziko rinopikiswa nekambani yako mumhosva nekuda kwekurasikirwa kwepasipo kana kukanganisa kwemotokari yemunhu wese (kana motori yemidziyo) yakasiyiwa mukutarisira kwako kugadzirisa, kushanda, kupaka kana kuchengetedza. Garagekeepers inshurenzi inosanganisira Supplementary Payments (defense). Kana mutengi akakukumbirai nezvekukuvara, bhizimisi rako richakudzivirira pane sutu uye kuripa mari dzakasiyana-siyana dzematare.
Direct Coverage kana Legal Liability
Garagekeepers coverage inowanzoshanda pamutemo wepamutemo . Izvi zvinoreva kuti kurasikirwa kwevatengi vemotokari chete kana iwe uri mutoro wemhosva. MuCentral Cafe mamiriro ezvinhu akarondedzerwa pamusoro pekudyira zvakajeka kukanganisa kukanganisa kwevatengi vemotokari.
Ichi ndechokuti kukanganisa kwakakonzerwa nekuregererwa kwebasa rekudya.
Motokari dzevatengi dzinogona kukuvadzwa panguva yekuchengetwa kwezvokudya pazvinetso zvisingagoneki kubva pakudya kwezvokudya. Somuenzaniso, fungidzira kuti kutinhira kunokonzera chimvuramabwe chikuru. Zvose zvemotokari dzakasimwa muCapitali Cafe's valet parking inogadzirisa dambudziko rechimvuramabwe. Iyo yokudyira haisi mvumo yepamutemo yekukuvara kunokonzerwa nechimvuramabwe dutu. Kunyange zvakadaro, inshuwarisi yekurasikirwa kwakadaro inowanikwa sechinhu chingawanikwa.
Kunyanya kuwedzerwa kana kuti Primary
Kutungamira magareji mashuwarisi inshumo inoparadza kukanganisa kune vatengi 'motokari kana iwe hauna mhosva yepamutemo nekuda kwekukuvara. Kutarisana zvakananga kunogona kushanda pane chekutanga kana kupfuura. Kutungamira kunyanya kugoverana kunopa mutsara wekutanga wekuparara kwevashandi vemotokari mumuchengetedzo kwako zvisinei nokuti iwe unotakura (kana mutoro wevamwe vanovimbisa). Kana mabhizimisi ako chaiwo achibhadhara kurasikirwa nemotokari yemutengi, mutengi haafaniri kutora kudai pasi pehupenyu hwake hwega motori .
Kutungamira kunyanya kugoverwa kunogona kudhura. Imwe nzira ndeyekuwedzera zvakanyanya kugoverwa. Ita hurukuro yakawandisa inoshandiswa pane zvechipiri nekuda kwe kurasikirwa kwausina kutenderwa pamutemo. Bhokisi rinoshandisa zvakanyanya kune chero zvipi zvayo zvinotengwa nevamwe inshuwarisi . Semuenzaniso, kana chimvuramabwe chichikuvadza motokari yemutengi ichichengeterwa nehuwandu hwekugovera hupi hupi hupi hupi hwehutori hwemotokari yemunhu pachake, mutengi wehuwandu hwekugovera huchashanda pakutanga. Kana mutengi asina ruzivo rwakazara, kugoverwa kwako kwakakwana kunobhadhara kurasikirwa.
Cherechedza kuti kuparidzira zvakakwana kunoshanda pane imwe yechipiri bedzi kana iwe usingabvumirwi nekodzero yekurasikirwa. Kana iwe uri mutoro wemhosva yekurasikirwa kwemotokari yemunhu wese, kuparidzirwa kunoshanda pamusimboti wekutanga.
Zvikamu uye Deductibles
Muganhu unoshanda kune zvakakwana kana zvakananga zvinokonzera kuparara. Muganhu ndiyo inonyanya kubhadhara mubhadhadziro yekurasikirwa mune chimwe chiitiko kune vese vatengi vemotokari pane imwe nzvimbo.
Chizere kana Chakananga Chikonzero chekurasikirwa kunogona kusanganisira deductible iyo inoshanda kumotokari yemumwe mutengi. Iyo inogonawo kusanganisira "chiitiko chega" chekudzikinurwa (iyo yakareba iyo ichaderedzwa yezvose kurasika mune chimwe chiitiko). Izvo zvinokonzerwa zvakakonzerwa zvinoshanda kumotokari imwe neimwe.
Exclusions
Vagari vemagareji vanokanganisa kazhinji havarevi kukanganisa kunokonzerwa nechimwe chei chinotevera:
- Hondo
- Kuvigwa newe kana vashandi vako
- Mutoro unofungidzirwa pasi pesungano
- Zviremera zvikamu kana zvinhu
- Basa rekukanganisa
- Tape zvinyorwa, CD players nezvimwe zvisingaiti zvachose mumotokari
- Radar detectors