Chii chisingatengi Autos?
Pasi pemitemo yekutengeserana yekutengeserana, ma autos asina kodzero anotsanangurwa maererano nezvasingaiti.
Izwi risati rine autos rinoreva motos inoshandiswa mubhizinesi rako risati iri, rakabhadhara, rakabhadharwa , rakakodzwa kana rakweretwa newe ( iyo inonzi yainzi insured ). Autos yaunotengesa, kubhadhara, kukwereta kana kukwereta inonzi inotorwa nemotokari . Zvisingatengeswi motokari imotokari dzisingakodzeri kuti dzibhadzwe motokari kana motokari dzayo.
Zvisingatengeswi nemotokari zvinosanganisira motokari inoshandiswa mubhizimusi rako iyo inowanikwa nevashandi vako, vashandi, nhengo (kana iwe uri kambani ine chikwereti) kana nhengo dzemhuri dzavo. Mamwe mabhizimisi anoshandisa zvakakwana motokari dzakadaro. Muenzaniso ndeye kambani ine simba guru rekutengesa rinoda kuti vashandi vose vekutengesa vatevedze voo dzavo pavanoshevedza vatengi. Mamwe mabhizimisi anovimba nevashandi-vane motokari chete nguva nenguva.
Izwi iro risina-owned auto rinogona kusanganisira motokari inowanikwa chero munhu chero bedzi iyo inoshandiswa mubhizinesi rako. Heano mimwe mienzaniso.
- Vazvipiri nekuda kwesangano renyu rezvipo vanoshandisa mavoti avo pachavo kuti vafambise vanhu vakwegura kubva kumisha yavo kuenda kuvashandi vanogadzwa.
- Nhengo dzekambani yako, sangano rezvesayenzi, vanoshandisa mavoti avo kuti vaite sangano rebhizimisi.
- Mushandi wako anotyaira kushanda achishandisa motokari yemuvakidzani wake nokuti motokari yomushandi iri muchitoro. Gare gare zuva iroro, iwe unotumira mushandi pane imwe yebhizimisi (inotenga matampu pahofisi). Mushandi anotyaira kuhofisi achishandisa motokari yaakwereta kubva kumuvakidzani wake.
- Mutengi wako anoda kuunganidzwa kune imwe ndege yendege, asi iwe nebhizimisi yako musikana uri mumusangano. Mumwe wako anobvunza shamwari yake Bill, uyo asingabatanidzwi nekambani yako, kuti atore mutengi achishandisa motokari yake.
Hapana yemotokari inotsanangurwa pamusoro apa inobhadharwa kana inobhadharwa nebhizimisi rako. Chimwe nechimwe chinofananidzira sevasiri ivo vane motokari nokuti inoshandiswa pakutsunga kwako.
Vicarious Liability
Bhizimisi rako ringakwanisa sei kubhadhara nekuda kwezviitiko zvinosanganisira autos izvo zvisiri zvayo? Mhinduro yacho ine chokuita nechinangwa chakakosha . Vashandi vanowanzotarisirwa kuita mabasa asina hanya anoitwa nevashandi munguva yebasa ravo. Uyu mutoro unowedzera kune zviitiko zvemotokari zvisingabvumirwe zvichiita pavanenge vachiita mabasa avo. Makambani anogonawo kubatwa mhosva yezviitiko zvinokonzerwa nevasati vasiri vashandi (saiyo shamwari yeavo varo muenzaniso wepamusoro), kana vari kutyaira motokari isina yega yekuti ibatsiro rebhizimisi.
Covered Auto Symbols
Zvisingatengeswi motokari zvinogona kuva inshuwarheni nokuda kwekuchengetedzwa kwemotokari pasi pekutengeserana kwemotokari yako. Iwe unogona kuona kana mutemo wako unotakura motokari dzisiri dzekodhi kuburikidza nokutarisa pane zvakagadziriswa motokari yechiratidzo inowanikwa mune kuzivisa pedyo nekodzero yekuvhara.
Kana chiratidzo 1 (chero motokari) kana chiratidzo 9 (isina-autom owned autos) yakarongwa, mavhesi asina ezvo akavharwa. Cherechedza kuti motokari dzisiri dzisina dzimba dzinogona kuiswa inshuwarisi kuti dzive nemhosva chete. Haikwanise kuvharwa nokuda kwekukuvara kwepanyama kugoverwa .
Ndiani Anotsigirwa?
Ngatiti iwe wakatenga motokari yemari yekuvharidzira yevasiri vasiri autos. Pane ani zvake anotyaira munhu asiri wekambani anofanirwa kunge akachengetedzwa pasi pehutori hwemotokari yako? Mhinduro yacho kwete. Iwe chete (uyo anonzi inshuwarisi) akafukidzirwa pamusana pemhosva dzinobva mumotokari dzemotokari dzinosanganisira vasina autos. Hapana mumwe munhu anishuwarenzi pakushandiswa kwevasina-autos. Izvi zvinosanganisira vashandi vako.
Somuenzaniso, fungidzira kuti Barbara, mushandi wako, ari kushandura imwe nzira yako uchishandisa auto yake. Barbara apedza basa racho uye ari munzira yake kudzokera kuhofisi yako paanomhanya chiratidzo chekumira.
Barbara anowedzera imwe motokari, ichikuvadza mutyairi wayo. Mutyairi gare gare anobvunza vose Barbara nekambani yenyu. Tichifunga kuti yako yemotokari yemitemo inobata motokari dzisina-owned, mhaka yekambani yako inofanira kuvharwa. Zvisinei, Barbara achafanira kuvimba nemunhu pachake purogiramu yemotokari yekuvhara mhaka yake.
Vashandi seIncureds
Mamwe mabhizimisi angada kufarira kupa motokari kubhadharo kune vashandi vanodhaira motokari dzavo pabasa. Kugutsikana kunonzi Vashandi seIncureds inowanikwa nokuda kwechinangwa ichi. Kubvumirana kunovhara vashandi se insureds pavanenge vachityaira motokari yako bhizinesi haina, inobhadhara kana kukwereta.
Zvinosuruvarisa, kubvumirwa kunoshanda sekuwedzera kwekuvhara pamusoro pehupfumi hwehupenyu hwemunhu wega. Kana mushandi akatongwa semugumisiro wenjodzi yemotokari yakaitika apo iye ari kutyaira moto yebhizimisi mubhizinesi rekambani, mutemo wevashandi uchashanda kune kudai kutanga. Bhizimisi rako rega rega motokari ichapa huwandu hwekugadzirisa kana basa rekushanda rakashandiswa.
Sei kusiri kwete kubvumirwa kunopa kugoverwa kwekutanga? Izvo zvinonzi ISO commercial auto policy inotaura kuti inopa huwandu hwakawanda hwekubhadhara mari chero ipi zvayo yamusina. Kubvumirana hakugadziri urongwa uhwu, saka kugoverwa kwahwo kunopa kunoshanda kune zvakadarika.