Kunyengera kunowanikwa mumhando dzose dze inshuwarisi, asi mamwe mitsetse inonyanya kutengesa kupfuura vamwe. Zvokutengeserana zviviri zvekutengeserana zvinonyanya kutarisana nekubiridzira ndezvokubhadhara vashandi uye bhizinesi auto inshuwarisi.
Chii Chinonzi Inshurenzi Yenhema?
Izwi rokuti inshuwalhu rinoreva chiito chekuda chinopiwa nomunhu kuti awane rubatsiro rwaasina kodzero yekuwana. Kunyengera kunogona kuitwa neavo vanobatanidzwa mukutengeserana kweinishuwarenzi. Izvi zvinosanganisira varimi vemazano, vatsigiri, mavoti, vatapi vezvoutano, vamiririri kana vatengi uye kunyange bhizimisi.
Akaoma Nekunyengera Kwacho
Inishuwarenzi inonyengedza inogona kugoverwa kuva mbiri yakawanda. Unyengeri hwakaoma hunoitika apo mumwe munhu anopotsa njodzi kana kurasikirwa. Semuenzaniso, muridzi wemabhizimisi anomutsa nemaune motokari-yekambani iri kubva padenga. Iye zvino anokonzera kukanganisa kwepanyama pachake , achitaurira inshuwarisi yake kuti motori yacho yakazununguka kubva padenga rakanganisa.
Kunyengera kwakanyanyisa kunosanganisira kuwedzererwa kwekutaura kwakarurama. Semuenzaniso, muridzi webhizimisi rezvokuverengera anowana kuti mbavha yakaputsika muhofisi yake uye yakabiwa zvinhu zvakawanda. Apo bhizimisi rebhizimisi anorayira kurasikirwa kune yekutengeserana pfuma insurer, anokonzera kukosha kweimba yakabiwa kuitira kuti awane mari yakakura yekugadzirisa.
Kwete Utsotsi Husingakanganisi
Vakawanda vanoita bhujhutu bwenhuturo vanopikisa kuti mhosva dzavo hadzina kuurayiwa. Izvi hazvisi chokwadi. Vatsigiri vanovhara mari yekubiridzira nekubhadhara mabhizinesi nemasangano ehurumende mari yepamusoro yeinishuwarenzi . Masangano ebhizimisi anodarika izvi zvinodha kune vatengi vavo. Hurumende dzehurumende dzinotenga inshuwarisi dzinotora mari yakawedzera kune vateresi.
Kurwisana Nokunyengera
Munenge mamiriro ose ehurumende, inshuwalhu inonyengera inorondedzerwa semhosva. Uyezve, nyika dzakawanda dzakagadzira nzvimbo yekunyengera iyo chikamu chebazi rehurumende yemishurenzi. Kunyange zvazvo basa ravo rakasiyana-siyana, hurumende dzakawanda dzinonyengera dzinokonzerwa nekutsvaga bhodhi rekubiridzira uye kupomera vatadzi.
Dzimwe nyika dzakagadza mutemo unoda vatsigiri vekuchengetedza hurongwa hwekubiridzira. Munyika idzi, vambisi vehurumende vanomanikidzwa kutora zvinyorwa zvinyorwa zvekuziva uye kupindura kunhuhwa. Vatsigiri vanogonawo kutarisirwa kupa fomu yegore negore muchidimbu zviito zvavakatora kuti vadzivirire uye varwise utsotsi.
Kunyange kana vasina kutarisirwa kuita izvi nemutemo, vazhinji vevatsigiri vakagadzira nzira dzekutarisana nekunyengera. Vamwe vanorwisana nenhema kuburikidza nekubatanidzwa mumasangano anopesana nekunyengera akadai se National Insurance Crime Bureau kana Coalition Against Insurance Fraud.
Nzira Dzose dzeKunyengedzera Mabasa
Heano mamwe maitiro ekunyengedza ayo anowanzoonekwa mune zvebhizimisi pfuma / casualty inshuwarisi:
- Agent kana Brokers Vasingatendi vashandi kana vatengesi vanogona kubvisa mapurogiramu akaipa kune chinangwa chekuunganidza mahora. Zvichida, vanogona kuvhara mapeamisi anotengesa pamitemo yakarurama. Chimwe chezvakawanda zvinowanzobatanidza kuisa padding mazano nezvikwereti izvo vashandi havadi kudikanwa kana kuti vanoda kuti vashandise premium (uye iyo inyanisi commission). Vamwe vanonyengedzera vanopa zvikwereti kune vanoita zvematongerwo enyika vachitengesa kutenga mutemo.
- Auto Insurance Dzimwe mhando dzemotokari yemotokari dzinoitwa nehurongwa hwakarongeka hwemhosva. Mienzaniso imotokari yekutengesa uye "kutengesa zvitoro" zvinotengesa motokari dzakabiwa. Zvimwe zviito zvekunyengera, zvakadai sewodhi yekodhi zvinokonzerwa nezviitiko zvemotokari, zvakagadzirwa nemapoka maduku emotokari . Mabasa ekunyengedza anogonawo kuitwa nemunhu mumwechete wevashandi. Semuenzaniso, muridzi webhizimisi anotenga mutengo wemabhizimisi wekutengeserana kuti atsigire motori isina. Mwedzi mishomanana gare gare anonyora kudai pasi pehuwandu hwehupfumi hwake, achitaura kuti motokari yakabiwa. Kubiridzira kwekutsvaga kwave kuri dambudziko rakadaro mune zviti hazvina mhosho yemotokari yemhosva. Yakaendesa mberi mari yeinishuwarenzi mumatunhu iwayo.
- Vashandi Vanogadziriswa Vashandi vanogona kuita hupombwe nekuisa zvirevo zvekukuvadza kwenhema kana kwekukuvadzwa kwavakaita mubasa racho. Vamwe vashandi vanowedzera kukosha kwekukuvara kwavo kuitira kuti vagone kuunganidza zvipo zvekuremara. Vashandi vanogona kubiridzira kuburikidza nekuisa pasi pasi pemishadziro kana kupa avo vanoita nemaune vashandi kusarudzo isina kururama. Vashandi vanogonawo kuisa chinangwa misclassify vashandi sevanopinda makonji .
- Property Insurance Property inshumbisi yekunyengedza kazhinji inosanganisira kupisa (kuda uye kukuvadza kutsva kweimba) kana zvikwangwani zvinotengeswa nehupfumi hwehupfumi hwezvinhu. Zvakare zvinowanzoitwa zvekubiridzira izvo zvinosanganisira zvinhu zvisiripo.
- Mhosva yeInishuwarenzi Zvikwereti zvakawanda zvekunyengera zvinosanganisira zvikanganiso zvakanyanyisa -uye-kugwa . Zvimwewo, munhu anenge akanganisa angave achiwedzeredza kuwanda kwekukuvadzwa kwaakatsigira mune chimwe chiitiko chakanaka-uye-fall. Imwe rudzi rwekutsvaga ndeye faked chikwereti chemhosva . Murevereri anotaura kuti chigadzirwa chemagetsi hachina kushandiswa uye chakakonzera kukuvara. Kukuvadzwa kungave kusipo kana kwakakonzerwa nechimwe chinhu.
- Inishuwarenzi Inyanzvi yeupombwe inogonawo kuiswa nevashandi vekambani yeinishuwarenzi. Mushandi angabvisa mari nekupa cheki chekunyengera kana kuchinja cheko chekuona uye nekuisa mari yacho mune imwe nhoroondo. Zvimwewo, mushandi anogona kupinda muchikwata. Anogona kuba macheke ayo inshuwarisi akagamuchira asi asati apinda muhuwandu hwezvigadziro.