Nokudaro, pane dzimwe nguva, muridzi wemotokari haasi iye ane mhosva yekukuvadzwa kunotsigirwa nevechitatu kune njodzi inokonzerwa nembavha.
Mitemo inodzivirira vatengesi vemotokari kubva pamhosva yezviito zvemotokari dzine zvimwe zvisiri izvo. Kana zviitiko zvinokonzerwa nenjodzi zvisingakwanisi kuwana mubhadharo nokuda kwekukuvadzwa kwavanoita motokari, vanogona kuvimba pane izvi kunze kwekuti vasunge venzi vemotokari nekuda kwekukuvara.
Kubvumidza Kushandisa Mitemo
Mune dzimwe nyika, mutengesi wemotokari haasi mutoro pasi pemutemo wakafanana kana mbavha ikaba motokari yake uye isina hanya inokonzera njodzi inokuvadza mumwe wechitatu. Mbavha pane kuti muridzi ane mhosva kune wechitatu kune zvakakuvadzwa zvaakatsigira pangozi.
Mune zvimwe zviitiko, muridzi wemotokari uye nechekukuvadzwa angasabvumirana kana motokari yaishandiswa nemuridzi wemvumo. Kana munhu anenge ataura achigona kuratidza kuti muridzi wacho akapa mvumo, muridzi wacho angave ane mhosva here?
Mhinduro yacho inobva kune mutemo muhurumende umo njodzi yacho yaitika. Inenge 10 nyika dzakagadza mitemo yekushandisa kwemvumo. Mitemo iyi inoita kuti vatengesi vemotokari vatarisane nezviitiko zvinokonzerwa navamwe vari kutyaira motokari nemvumo yavanini.
Heino chirevo chinobva mumutemo wekushandiswa kweNew York wokubvumidza:
Munhu wose wemotokari inoshandiswa kana kushandiswa munzvimbo ino achava nemhosva uye ane mhosva yekufa kana kukuvadzwa kune munhu kana pfuma inokonzerwa nokuregererwa mukushandiswa kana kushanda kwemotokari iyoyo, mubhizimusi wemuridzi iyeyo kana zvimwe, nemunhu anoshandisa kana kushanda zvakafanana nemvumo, kuratidza kana kutaura, weimba iyoyo.
Apo motokari yemotokari anopa mvumo yekufambisa motokari, mvumo inogona kunge ichitaura (zvinyorwa kana zvakanyorwa) kana zvinoreva. Chibvumirano chinobvumirwa chinoreva mvumo inopiwa kuburikidza nezviito kana zvisingaiti. Somuenzaniso, fungidzira kuti Bill anobata motokari yaJim kubva kumadhoroki aJim. Bill anoti ari kuenda kumabiko eresitorendi makiromita akawanda kubva kure uye anofamba kunze kwemukova. Jim anoona Bill achitora kiyi asi haatauri. Nemhaka yokuti Jim haana kupikisa kana kuedza kurega Bill kuti adzinge motokari, Jim akapa Bhizinesi chibvumirano chekushandisa.
Mhuri Chinangwa Mirairo
Mune dzimwe nyika, mutengi wemotokari anogona kutarisirwa mhosva yezviitiko zvemotokari zvinokonzerwa nevemumhuri pasi pe "mitemo yemhuri". Mitemo iyi iripo munenge 18 inotaura. Vanoisa mvumo kune vatenzi vemotokari nekuda kwezviitiko zvemotokari zvinokonzerwa nemudzimai, vana, kana dzimwe nhengo dzemhuri. Mimwe yemitemo iyi inomanikidza mutoro wemotokari kana kuti kwete iyo motokari yakashandiswa nemvumo yemuridzi.
Nokudaro, mune dzimwe nzvimbo, muridzi wemotokari aigona kutongerwa mhosva kana mumwe wemhuri akaba motokari ndokukonzera njodzi yakakuvadza imwe sangano.
Vicarious Liability
Anoshandira anowanzokwanisa kubhadhara njodzi yemotokari inokonzerwa nekutyaira kwekutya kwevashandi . Izvi zvinowanzoshanda apo mushandi ari kushandisa motokari mune bhizimisi romushandi. Inoshanda here kana mushandi ari kutyaira motokari kune chinangwa chisiri chebhizimisi? Semuenzaniso, Sam anobata bhizinesi yebhabhi rine mairi makori. Sam akaudza vashandi vake neshoko kuti vanoshanda chete ndivo vanobvumirwa kutyaira motokari.
Rimwe zuva, mushandi wekicheni anotora motori pasina Sam yaibvumirwa kuti atange mhaka yake. Mushandi anokonzera njodzi inokuvadza mumwe mutyairi. Bhizinesi raSamu rinofanira kukanganisa here? Mhinduro yacho pamwe.
Sam angangodaro akapa mvumo yekushandisa rori kuburikidza nezviito zvake panzvimbo pemashoko ake. Uyewo, bhokoto inogona kunge inokonzerwa nenjodzi iri pasi pemutemo wekushandisa mutemo.
Keys in Zvisingatarisiri Motokari
Mune dzimwe nyika, munhu ane motokari anomusiya motokari isina kutarisirwa nekiyi mukati angapomerwa mhosva pasi pemutemo wakafanana wepakona inokonzerwa nembavha kana muridzi wacho aifanira kuziva kuti kubata kwaigona kunge kwakadaro. Somuenzaniso, Tim anobata bhizinesi rekutorera. Tim inogamuchira chikumbiro chechimwe chinhu chinobva kumukuru wechikoro chesekondari. Tim anotyaira ngoro yake kuchikoro. Anofambisa rori mumudzidzi wepakisi yepakiti nemakona ekupisa uye anopinda muchivako chechikoro.
Kana imwe nguva Tim isingaonekwi, wechidiki anokwira mumotokari ndokutora kuti ave nomufaro. Mukomana anokonzera njodzi inokuvadza mumwe mutyairi. Mune dzimwe nyika, iyo yakakuvadzwa inogona kukwidza bhizinesi raTim nokuda kwekukuvara. Murevereri anogona kutaura kuti Tim akanga asina hanya paakasiya motokari inotyisa nekiyi mukati mukati mezvimbo iyo vechidiki vaizogona kuiwana.
Anti-Theft Statutes
Mamwe mapepa uye masuwa akaisa mitemo inorambidza vadzidzisi vemotokari kuti vasasiya motokari dzavo dzichimhanya dzisingatarisirwi. Kazhinji inonzi "mitemo ye" puffer, "aya mitemo ane chinangwa chechipiri: kudzivisa kuvhara motokari uye kuderedza kushandiswa kwemagetsi ekupisa kubva mumotokari. Muenzaniso we mutemo we "puffer" ndiyo Colorado statute rine musoro Unattended Motor Vehicle. Heino chinyorwa:
Hapana munhu anotyaira kana ari mutoro wemotokari isina kuvharwa achabvumira kuti imirire isina kutarisirwa pasina kutanga kuvhara injini, kuvhara kuvhara, kubvisa kiyi kubva pamoto, uye nekugadzirisa kuvhara kwazviri ...
Colorado vagari vanogona kutevedzera mutemo uyu nekushandisa nzvimbo yekutangira yakatanga uye zvirongwa zvakachengeteka zvekuchengetedza.
"Mvumo" mitemo yakasiyana kubva kune imwe nyika kuenda kune imwe nyika. Vamwe vanorambidza varidzi kuti varege kusiya motokari dzisina kutarisirwa chero nguva yakareba chero pasinei nekupisa. Zvimwe zvinoshanda chete kumakorokari makuru kana mabhasikoro. Vamwe vanotsanangura nguva uye / kana kuti kutsetseka. Semuenzaniso, mutemo unogona kubvumira motokari kuti irege kushandiswa kwemaminitsi gumi nemashanu kana kutengesa kwephepo kuri pasi pekunze. Vadzvinyiriri vemitemo ye "puffer" vangave vachizviisa pasi. Mune dzimwe nzvimbo, vadzidzisi vemotokari vanotyora mutemo unopesana nembavha vanogona kutongerwa mhosva nekuda kwekukuvara kana kukuvadza kune vamwe vatatu vanokonzerwa nembavha.
Commercial Auto Coverage
Chikamu chemhosva yemotokari yemabhizimisi ehurumende yemitemo inosanganisira kubvumidza kushandiswa kwekushandisa. Inovhara (seye insured) chero ani zvake anotyaira motokari yakavharwa iwe iwe, kubhadhara kana kukwereta nemvumo yako. Kana mbavha ikaba motokari yebhizimisi rako uye inokonzera njodzi umo mumwe munhu akakuvara, wako auto insurer haigoni kubvumira kudai nevakakuvadzwa.