Kukosha
Nhamba dzechiratidzo pamotokari yemotokari yako dzakakosha nekuti dzinotarisa kuti zvipi zvinokodzera kugadziriswa semotokari.
Chero "mavheti akavharwa" chete anotsigirwa pasi pehurongwa hwako. Ngatitii njodzi yemotokari inokonzera chibharo chemotokari pamusana pekusimba kwako. Kana motokari inotungamirirwa nemutyairi wemhosva-haisi yemotokari yakavharidzirwa, kudai hakukwanisi kuvharwa. Saizvozvowo, motokari yako yemari haazobhadhara kukanganisa kwenyama kumotokari isingakodzeri kuti igare yakavharwa pasi pemutemo wako.
Covered Auto Designation Symbols
Iyo yakavharwa motokari dzinoshandiswa zviratidzo dzinosanganisira nhamba 1 kusvika ku9 ne19. Zvose zvinomirira zvimiririri zvinomiririra chikamu chavo chemotokari, zvakadai se "autos owned" kana kuti "motokari yakabhadharwa." Mutemo wako unofanirwa kusanganisira chikamu chinotsanangura zvinorehwa nechiratidzo chimwe nechimwe. Ichi chikamu kazhinji chinowanikwa papeji 1 yeBusiness Auto Coverage Form. Zvinoreva chirevo chimwe nechimwe chinotsanangurwa pasi apa.
Chiratidzo 1
Pakati pezvinomwe zviratidzo zviripo, chiratidzo 1 chinopa kuparidzika kwepamusoro. Chiratidzo 1 chinoratidza chero motokari, iyo inosanganisira zvose zvinotevera:
- autos iwe pachako
- autos uri kukwereta, kukodha, kukodha kana kukwereta
- autos iwe hausi wega (kwete-autos autos)
Cherechedza kuti Symbol 1 inogona kushandiswa kugadzirisa kuvharwa kwebasa rega auto chete . Haikwanise kushandiswa kutanga chero humwe rudzi rwekugovera. Mienzaniso inotevera inoratidza kuti chiratidzo ichi chinoshanda sei.
Muenzaniso 1 Iwe, Jack Jones, ndiye muridzi wega webhizimisi rinokurukura rinonzi Jones Inc.
Wakatenga mutengo wekutengeserana wekutengeserana unoratidza chiratidzo 1 (chero motokari) yekutaridzirwa kwemhosva. Imi mose (Jack Jones) uye bhizinesi renyu (Jones Inc.) vanonzi insureds pamutemo wenyu. Rimwe zuva, iwe uri kutyaira motokari inowanikwa nekambani yako apo iwe usingafungidziri kudzoka-kugumisa imwe motokari. Mutyairi wemotokari iyoyo akakuvara, uye anokukumbira iwe pachako nokuda kwekukuvara mumuviri . Ko yako inotonga inovhara sutu here?
Pasi pemuenzaniso weBAP, iwe (anonzi anishuwarenzi) ndeye inshuwarisi kune chero ipi zvayo yakavharwa motokari. Chiratidzo 1 chinoratidza chero motokari . Panguva yengozi iwe (Jack Jones) wakanga uchityaira motokari inosimba yako. Chero motokari inosanganisira motokari inowanikwa kune anonzi insured. Mhosva yacho inofanira kufukidzwa nokuti iwe uri inshuwarisi, uye motokari yaunenge uchityaira kana njodzi yacho yaitika yakavharwa motokari.
Muenzaniso 2 Unobvunza Steve, mumwe wevashandi vako, kuti utakure kuchitoro chiri pedyo kuti utenge inki kune printer kambani. Steve anoteerera, achishandisa motokari yake. Ari kudzokera kuhofisi yako paanenge achikurumidza kuparadza imwe motokari. Mutyairi wemamwe motokari akakuvara pangozi. Anokurudzira zvose boka rako (Jones Inc.) uye Steve kuti akuvadze mumuviri.
Chiratidzo 1 chinowanikwa mumatongerwo emitemo yako yekutaridzirwa kwemhosva.
Sezvo anonzi anishuwarenzi, Jones Inc. ari inshuwarheni yezviitiko zvinosanganisa chero motokari yakavharwa. Imotokari yaSteve inofanirwa nemotokari isina munhu. Yakanga iri kushandiswa panzvimbo yebhizimisi rako apo njodzi yacho yaitika, asi motokari haisi yewe kana yekambani yako. Chero motokari inosanganisira motori asina wega. Nokudaro, motokari inotungidzirwa motokari, uye sutu dhidi Jones Inc. yakafukidzirwa.
Zvakadini Steve? Zvinosuruvarisa, haasi inshuwarisi. Vashandi ndivo insureds pasi pekutengeserana kwekutengesa motokari chete pavanenge vachityaira motokari dzinobhadharwa, dzakabhadharwa kana kukweretwa nemunhu anonzi inshuwarisi. Panguva yechipatara, Steve aityaira motokari yake yaaida. Nokudaro, kupomerwa pamusoro pake hakuna kuvharwa nemitemo yako.
Zviratidzo 2, 3 ne4
Zvimwe zviratidzo zvitatu zvinotevera zvinoshandisa autos owned. Chiratidzo chechipiri chinokonzera kugoverwa kwevhisi dzose dzaunenge uine.
Izvi zvinosanganisira vose vari voga vari kufamba motokari uye motokari motokari (makori). Symbol 3 inotarisa vanhu voga voga motokari chete. Chiratidzo 4 chinokonzera kugovera kwevatengesi vemabhizimisi chete.
Zviratidzo 2, 3 uye 4 zvinogona kugovera zvakananga kugovera ma autos yaunowana panguva yematongerwo enyika. Zviratidzo 2 ne4 zvinongotakura zvigadziro zvekuchengetedzwa kwemutoro wega wega usinawo iyo yakabatanidzwa nemotokari kana mutori waunayo.
Zviratidzo 5 ne6
Izvi zviratidzo zvinoshandiswa kune zvimwe zvikamu. Chiratidzo 5 chinoshandiswa kupa pasina- kukonzera mhosva kune autos iwe pachako, apo kugoverwa kwakadaro kunodiwa nemutemo. Chiratidzo 6 chinoshandiswa kuita kuti munhu asatombogadziriswa nemotokari ye autos iwe pachako. Ichi chiratidzo chinoshandiswa chete kana iwe unotarisirwa nemutemo kutenga, uye haugoni kuramba, kugoverwa kweM.
Chiratidzo 7
Pakati pezvinomwe zviratidzo zvinowanika, chiratidzo chechi 7 ndicho chinonyanya kudzivirira. Inotakura chete motokari idzi dzinotsanangurwa mumashoko ekuzivisa. Kana chikwangwani 7 chakanyorwa kune chero chinyorwa, iyo inoshandiswa inoshanda chete kune motokari dzakarongwa pamutemo.
Chiratidzo 7 chinopa huwandu hwekugadzirisa kwemotokari yaunowana mushure mekunge mutemo wakatanga zuva. Chero ipi zvayo motokari inoputirwa chete nekuda kwezvinyorwa zvinosanganiswa pamotokari dzose dzaunazvo.
Somuenzaniso, fungidzira kuti une ma autos maviri, ayo ose ari akafukidzwa nokuda kwezvakakwana uye zvakakwana zvakavharidzirwa. Iwe unowana auto itsva munguva yehutano. Vose motokari iwe pachako yakafukidzirwa kuva nekodzero uye yakazara yakavharidzirwa, saka motokari yako itsva ichachengetedzwa kune iyo zvinyorwa zvakare. Zvisinei, motokari yako itsva ichapiwa zvivako izvi kwemazuva makumi matatu chete. Kana iwe uchida kuvhara motokari yako itsva kuti uwane mhosva kana kukuvara kwepanyama kunze kwemazuva makumi matatu-mazuva, unofanira kutaurira motokari itsva kuenda kune inshuwarisi yako. Unofanirwa kuribhadharawo premium inoshanda.
Ngatiti iwe unotenga motokari itsva kuti utore nzvimbo yawakatengesa kana iyo yaive "yakazara" mumatambudziko . Imotokari itsva inotsiva imwe yawaimbova nayo inopa zvikamu zvakafanana zvakashandiswa kune yaimbova motokari. Izvi zvikamu zvichapera mumazuva makumi matatu kunze kwekunge iwe uchitaura motokari itsva kumubhizimisi wako.
Kunyange zvazvo Chiratidzo 7 chinofanira kudzivirirwa, pane mamwe mamiriro ezvinhu apo chiratidzo ichi chingave chakakodzera. Semuenzaniso, ngatiti iwe une matatu matori. Iwe wakachengetedza motori imwe yaunoshandisa mubhizinesi rako pasi pekutengesa motokari yemutemo. Iwe unoshanyira mamwe magori maviri kune rimwe kambani. Mifananidzo iyo inobhadharwa nemhosva pasi pemutemo wevashandi, uye haudi kuvatsigira pasi pehurumende yako. Nokudaro, mutemo wako unosanganisira Chiratidzo 7 chekuita.
Chiratidzo 8
Chiratidzo 8 chinotsanangurwa kukodzwa motokari . Iri shoko rinosanganisira motokari dzaunotenga, kubhadhara, kubhadhara kana kukwereta. Chiratidzo 8 hachifukidze motokari ipi yaunoshandisa, kubhadhara, kubhadhara kana kukwereta kubva kune umwe wevashandi vako, vashandi pamwe chete kana nhengo (kana iwe uri kambani ine chikwereti) kana chero nhengo dzemhuri dzavo. Chiratidzo 8 chinogona kushandiswa kuvhara motokari yekubhadhara nekuda kwechiremera kana kukuvara kwepanyama kugoverwa.
Chiratidzo 9
Chiratidzo 9 chinoshandiswa kuvhara vasirivo vane autos nokuda kwemhosva. Vanhu vasina-autos vane motokari dzaunoshandisa mubhizinesi rako asi hadzina, kubhadhara, kubhadhara, kubhadhara kana kukwereta. Mienzaniso imotokari dzinowanikwa nevashandi vako kana vashandi pamwe uye dzinoshandiswa mubhizinesi rako.
Chiratidzo 19
Pakupedzisira, chiratidzo 19 chinoshandisa zvigadzirwa zvemafoni zvinotarisirwa nemutemo unomanikidzwa kana wemari. Ichi chiratidzo chinowanzodiwa. Pasi pemuenzaniso weBAP, zvishandiso zvemotokari (zvakadai se-bulldozer kana forklift) zvaunotarisirwa nemutemo kuti uchengetedze mutoro zvinotorwa semotokari apo iri kuendeswa mumugwagwa wevanhu vose. Motokari yakadaro inogona kuvharwa nemufananidzo chero upi zvawo unokonzera kugoverwa kwemotokari yebhizimisi iwe pachako. Mienzaniso inofananidzira 2 uye 4.
Chiratidzo 19 chinogona kushandiswa kana iwe uchiwana zvigadzirwa zvemafambisi panguva yematongerwo enyika, motokari inofanirwa kuva inshuwarheni kuti ive nemhosva, uye hapana yezviratidzo zviripo zvakakodzera. Somuenzaniso, fungidzira kuti iwe unotenga mutemo wemabhizimisi wekutengeserana unobatanidza chete motokari yakabhadharwa uye isiriyo. Mwedzi miviri mushure mekunge mutemo wako unotanga iwe kutenga ngoro yekutikodhi iwe unotarisirwa nemutemo kuti uchengeterwe mhosva. Zviratidzo 8 ne9 hazvishandisi kune autos owned. Nokudaro, chiratidzo 19 chinogona kuwedzerwa kune chinangwa chako kuti utange kubhadhara chikwereti cheforkkift yako kana ichiendeswa mumugwagwa wevanhu vose.
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Zvematongerwo emabhizimisi emitemo zviri pasi pekuongorora kwekupedzisira, iyo inoitwa mushure mokunge mutemo wapera. Imwe nyanzvi inotarisirwa kana iyo inosanganisira zviratidzo zvinopa hurumende kugoverwa kwemotokari ichangobva kuwana.
Somuenzaniso, fungidzira kuti mitemo yako inoratidza chiratidzo 1 chemhosva uye chiratidzo 2 chekukuvara kwepanyama. Iwe unowana motokari mitsva yakawanda munguva yechirongwa. Nemhaka yekuti mitemo yako inopa kugoverwa kwekutsvaga kwemotokari ichangobva kuwanikwa, haufaniri kuudza wako inshuwarisi panguva yekutengeswa kwega kwega. Pane kudaro, iwe unopa mushumo pakuguma kwepurogiramu iyo inotarisa motokari dzawaiva nadzo apo mutemo wakatanga, uye ma autos wawakawana munguva yematongerwo enyika. Muchengetedzi wako anoverenga purogiramu yako yokupedzisira yakatevedzerwa neshumo.