Insuring Hired and Non-Owned Autos

Chikonzero Nei Unoda Kuvhara Hired uye Usina Vane Autos

Kufanana nemabhizinesi mazhinji, kambani yako ingashandisa motokari haina iyo. Mienzaniso ndiyo motokari yawakabhadhara kubva kune imwe sangano renharaunda uye motokari dzine vashandi kana vashandi. Kunyange kana iwe usina ivo, motokari dzaunoshandisa mubhizinesi rako dzinofanira kuva inshupu nokuda kwekutengeserana kwezvokubhadhara mari . Ichi chinyorwa chichakuchengetedza iwe kana motokari idzi dzinobatanidzwa mumatambudziko anokonzera kutongwa nemhosva yako.

Hire Autos

Motokari yako yekambani yemari, kubhadhara, kubhadharwa, kana kukwereta kunonzi majeri akabhadhara pasi pekutengeserana kwehurumende mutemo .

Iyi ndiyo motokari yauri kukodhara kana yekutengesa kwenguva pfupi. Muenzaniso imotokari yauri kukwereta kwemazuva matatu ebhizimisi rwendo mune rimwe guta. Autos iwe uchitsvaga nguva refu (kwemwedzi mitanhatu kana kupfuura) inofambiswa nenzira imwechete iyo autos yaunayo.

Kwete-Akapiwa Autos

Motokari yako kambani inoshandisa iyo isiri iyo kana inobhadharwa nekambani yako yakadanwa isiri-owned autos pasi pekutengeserana kwemitemo yega. Vanhu vasina mavoti ane motokari dzinosanganisira motokari dzevashandi venyu asi dzinoshandiswa mubhizinesi renyu. Muenzaniso ndeye motokari inowanikwa nevashandi iyo yaanoshandisa kudana kune vatengi. Heano mimwe mimwe mienzaniso yevasina-autos owned:

• motokari inobatana nemubatanidzwa iyeye anoshandisa pambani yebhizimisi
• motokari iyo mutungamiri wekambani anokwereta kubva kumuvakidzani wake kuti ashandise pambani yebhizimisi
• motokari ine nhengo yekambani ine chikwereti chekambani inoshandiswa mubhizinesi

Usavimba neMuridzi weChishanu!

Kana kambani yako ikashandisa zvikwata zvebhadhiro, usavimba nesangano rinoshanyira kuti uchengetedze bhizinesi rako kupikisana nemhosva.

Nyika dzakawanda dzinoda makambani ekubhadhara kuti ape mutoro wekutengesa motokari kuvashambadziri vavo, asi pamusana pemuganhu wakaderedzwa nemutemo. Ichi chikamu kazhinji kazhinji chakanyanya. Mune dzimwe nzvimbo, makambani ekubhadhara haafaniri kupiwa chero mvumo yekuvhara. Kuti udzivirire kambani yako kupikisana nekutongwa kwemhosva, iva nechokwadi chekutenga mari yekubhadhara mari yekubhadhara .

Mutemo wakafanana unoshanda kune vasiri vese vane autos. Usafungidzira kuti motokari yemotokari yemotokari ichavhara zvikwanganiso zvakaiswa pachisimba chako. Nechinhu chimwe chete, muridzi wemotokari anogona kunge asingabatsiri kana kuti ane zvishoma. Chechipiri, inishuwarenzi yomuridzi haingawani kune vamwe vatyairi. Nokuda kwezvikonzero izvi, iva nechokwadi chekuti motokari yako yekutengeserana inosanganisira pasina-owned ownership responsibility .

Kuvhara motokari uye kusina-owned yemari yekuvharidzirwa kwekubhadhara mari inodhura uye inowanikwa nyore nyore. Izvi zvinoshandiswa ndezvekutsvaga kwakachenjera. Zvitadzo zvemhosva zvekuzvitsvaga zvinogona kunge zvakakosha zvikuru. Njodzi inokonzera kukuvadzwa kwakakomba kune mumwe mutyairi kana mufambisi anogona kukuvadza kukuvadza pakusimba kwako kwe $ 100,000 kana kupfuura. Kana iwe usina chikwereti cheshuwarheni chakakodzera, chirevo chimwe chete chinogona kuisa kambani yako kunze kwebhizimisi.

Inishuwarenzi

Kuvhara motokari uye kusina-owned auto liability coverages inowanikwa pasi pekutengeserana kwehurumende mutemo. Iwe unogona kutenga izvi zvipfeko pachavo, kana kuti unozviwedzera kune imwe iripo iripo inotakura motokari yako kambani.

Ngatitii wakatotenga kutengesa motokari. Iwe ungaziva sei kana yako hurongwa hunovhara mhirizhonga uye isina-autos? Tarisa pavharo yemotokari mazita zviratidzo mumashoko ekuzivisa.

Kana chiratidzo 1 (chero motokari) kana zviratidzo 8 uye 9 (zvibharo uye kwete-autos owned), zvinowanikwa pedyo nekodzero yekuvhara, kubhadhara uye kusina-autos zvakagadzirwa. Kana iwe uchiri kutendeseka, bvunza sendimi yako kana kuti broker kuti akubatsire.

Kana iwe usina mari yekutengeserana motokari, mutoro wako wekuchengetedza unogona kunge uchida kuwedzera motokari yemari yakasungwa uye isina-owned yemari yekuchengetedzwa kwemitemo kumutemo wako wose wekutonga . Izvi zvikamu zvinogona kuiswa mumutemo wemhosva kuburikidza nekubvumirwa .

Zvingave zvakapiwa pasi pebasa rekutengeserana kana mutemo mukuru wezvakagadziriswa, kubhadhara uye kusina kodzero yemari yekuvhara mari inoshandiswa inoshandisa pane zvakanyanya. Izvi zvinoreva kuti izvi zvinoshandiswa mushure mekunge imwe yunivhesiti inotengwa, yakadai semotokari yemotokari yemotokari, yakashandiswa.

Premiums

Mutengo wekubhadhara motokari yekubhadhara motokari kunobva pamutengo wekubhadhara, zvichireva mari yaunoshandisa kubhadhara motokari.

Mubhadhadzi wako anogona kukubhadhara chikamu chiduku chepamutemo apo inotanga mutemo wako. Mushure mokunge mutemo wako wapera, iwe uchada kugadzirisa mari yako yokubhadhara uye ugovaudza kune wako inshuwarisi. Kana iyo yako inotarirwa mari yako inopfuura chikamu chako chekutanga, insurer yako inogona kukubhadhara kuti ive yezvakawedzerwa.

Nhamba yepamusoro yekutengeswa kwemotokari kwete yega inotarirwa nenhamba yevashandi vamunoshandisa. Iyo inshuwarori inoyera kuwandisa nhamba yevashandi vegore uye inoshandisa chiyero.

Personal Auto Policy

Pakupedzisira, usavimba nemutemo wako wega auto kana mutemo wevashandi kuvhara zvipikisana nebhizimisi rako. Maitiro emunhu wega auto akagadzirirwa kuvhara vanhu nemhuri dzavo, kwete masangano emabhizimisi. Vanopa huwandu hwehuwandu hwemotokari ye policyholder haisi yake. Mitemo yega yega inayo ine zviverengero zvakasiyana-siyana zvebhizimisi.

Chinyorwa chakagadzirwa naMarianne Bonner