Ndeipi Hired Auto?
Iko inonzi ISO Business Auto Policy inotsanangura zvikwereti zvakabhadharwa sevaya voga maunotengesa, kubhadhara, kubhadhara kana kukwereta . Iwe unoreva kune anonzi inshuwarisi . Nokudaro, shoko rakashandiswa auto rinoreva motokari yakabhadharwa, yakashandiswa, yakabhadharwa kana yakweretwa nemunhu kana sangano rakanyorwa mumashoko ekuzivisa. Cherechedza kuti izwi racho haritauri chero motokari yaunotengesa, kubhadhara, kubhadhara kana kukwereta kubva kune mushandi, shamwari, nhengo (yekambani inosungirirwa nekambani), kana nhengo yemhuri yemunhu iyeye.
Hired Auto Liability Coverage
Izvo zvikave zvakabhadhara motokari zvakaputirwa mutoro pasi pekutengeserana kwemotokari yako inofanirwa neiyo yakavharwa motokari mazita zviratidzo zvinowanikwa mune kuzivisa pedyo nekodzero yekuvhara. Kana chiratidzo 1 (chero motokari) kana chiratidzo 8 (maotokari akabhadhara) akanyorwa pedyo nekodzero yekuvhara, motokari dzakapiwa dzinochengeterwa mhosva.
Hired auto mvumo yekuvhara inoshandiswa kwauri (uyo anonzi insured) uye kune ani zvake ari kutyaira motokari yakabhadharwa nemvumo yako.
Iwe wakafukidzwa kana iwe kana uri iwe uri kutyaira motokari yakashandiswa kana njodzi inowanzoitika. Izvi zvinokosha sezvo iwe (bhizinesi rezvebhizimisi) uri kutongerwa mhosva nekuda kwezviitiko zvinokonzerwa nemotokari inotungamirirwa nevashandi kana chero ani zvake ane mvumo yako.
Vakawanda vanotyaira mabhazi vashandi vashandi vebhizimisi.
Somuenzaniso, Susan ndiye mushandi wako. Iwe wakumbira Susan kuti amiririre kambani yako pagungano mune rimwe guta makiromita mazana maviri kubva kuhofisi yako. Kambani yenyu inotora motokari kubva kune imwe yemari inoshanyira motokari kuitira kuti Susan aende kugungano. Yako yakasimba yakaiswa inshumo pasi pekutengesa motokari yemitemo iyo inopa rubatsiro rwemhosva yemotokari yakabhadharwa. Paanenge achienda kune imwe kokorodzano, Susan anononoka kudzoka-anopedza imwe motokari. Mutyairi wemamwe motokari akakuvara pangozi. Kana mutyairi akakuvara aita Susan, yako yakasimba, kana zvose mukukuvadzwa mumuviri , yako motokari yemitemo inofanirwa kupindura sutu.
Auto Rental Agreements
Kana iwe uchikwereta motokari panzvimbo yechinhu chako chakasimba, sangano renharaunda ichakukumbira kuti usayine kambani yekubhadhara . Chibvumirano chichaita kuti iwe uite mutoro wekukuvadzwa mumuviri kana kukanganisa kwemuviri kunotsigirwa nevevatatu pamusana pezviitiko zvemotokari iwe unobata panguva yekusvika kwechibvumirano chenyu chekurenda. Iko kufungidzira kwekodzero kunovharwa pasi pehuwandu yemotokari yemitemo nemaviri kunze. Chokutanga, hapana chakavharidzirwa chero chipi zvacho chaunofunga chaunofunga nokuda kwekukuvadza kwaunokonzera motokari yakasara. (Sezvinotsanangurwa pasi apa, unogona kusarudza kuvhara magetsi ekubhadhara kukanganisa muviri).
Chechipiri, hapana kuvhara kwemhosva yaunofunga iwe pasi pebvumirano umo iwe uchikwereta motokari nemutyairi.
Coverage is Excess
Hired auto mhiko yekuvhara inoshandiswa pane zvakanyanya. Izvi zvinoreva kuti mutemo wenyu wekutengeserana motokari uchashanda mushure mekunge imwe yunivhesiti yekutengesa yapera. Muenzaniso we " mamwe mari inoshandiswa inshuwarisi " ndeyekuchengetedzwa kwemhosva yako sangano renharaunda rinosungirwa kupa pasi pemutemo wehurumende. Kana iwe uri kubatanidzwa pangozi paunenge uchityaira motokari yakabhadharwa, kugoverwa kwebazi rinotora rinopa richashanda kutanga. Basa rako rekubhadhara mutengo wemotokari richashanda mushure mokunge kugoverwa kwave kushandiswa kumusoro.
Mutemo pamusoro pekuwedzerwa kwepamusoro kwevheji yakashandiswa kune imwe chete. Ngarava yawakabhadhara uye yakabatanidzwa nemotokari yaunayo yakafukidzirwa pamusimboti wekutanga.
Kukanganisa Kwepanyama Kuputika
Iwe unogona kusarudza kuvhara magasi ekubhadhara (kunze kweavo vakarovedzwa nemutyairi) kwekukuvara kwemuviri pasi peKutevedzana uye / kana kupindirana kwekugadzirisa.
Hiri motokari dzakaputirwa kukanganisa kwemuviri kana chiratidzo 8 chinowanikwa pedyo nekuzara uye / kana kupikisana kwekupararira mune kuziviswa. A deductible inowanzoshanda. Kusiyana nekukwanisa kubhadharwa, kukanganisa kwenyama kunowanikwa pamotokari yakaputirwa yakafukidzirwa pamusimboti wekutanga.
Kana motokari yaunoshandira ichikuvadzwa muitika, sangano renharaunda haigone kukwereta motokari kuna ani zvake apo motokari iri kugadziriswa. Somugumisiro, sangano renharaunda rinogona kukubhadhara iwe "kurasikirwa kwekushandisa". Pasi pemitemo yekutengeserana yekutengeserana, kurasikirwa kwekushandisa kugoverwa kunowanikwa zviripo kana iwe uchitenga kukuvara kwepanyama kumotokari yakabhadharwa. Mutemo unopa kusvika ku $ 20 zuva nezuva zvichienderana ne $ 600 (mazuva makumi matatu). Kana sangano rekurenda richikupa mari inopfuura $ 20 pazuva, iwe unenge wakaramba uchibhadhara zvakasara semusana wekutadza. Kurasikirwa kweKushandiswa kugoverwa hakushandisi kumotokari yakakodzwa nemutyairi.
Motokari Inotorwa muZita raMushandi
Sezvambotaurwa pamusoro apa, shoko rakashandiswa auto rinoreva motokari yakashandiswa nemunhu anonzi insured. Ngatitii Susan (mumuenzaniso wekare) anorayira motokari yebhizimisi rake. Paanozadzisa musungo wekuroora Susan anozvinyora semujenya panzvimbo yekambani yako. Paanenge achienda kune imwe kokorodzano, Susan anokanganisa imwe motokari. Mutyairi wemotokari inopikisa akakuvara pangozi, uye anokumbira Susan uye yako yakasimba. Ko mhosva ichavharwa pasi pekubhadhara kwemotokari yako?
Nenzira yepamusoro, motokari yakabhadharwa muzita remushandi ndeyomunhu asina gwaro. Vamwe vatsigiri vanogona kuvhara motokari semotokari yairipirwa chero, asi vamwe vangave vanyoro. Kana hurongwa hwako hunoisa motokari dzisiri dzomunhu, kambani yako inofanira kuvharwa kune sutu. Zvisinei, yako inshurensi inogona kuramba kuvhara Susan. Pasi pemitemo yemabhizimisi emabhizimisi, vashandi havasi insureds pavanenge vachifambisa vasiri ivo vane autos. Nenzira yakanaka, unogona kuvharidzira vashandi vanobhadhara autos muzita ravo pasi pemvumo inonzi Employee-Hired Auto.
Leased Autos
ISO inotonga kusiyanisa pakati pemari inotengesa nemotokari. Izwi rakashandiswa auto rinoreva motokari yakakodzwa kana yakashandiswa kwemakore mashoma matanhatu. Motokari yakakodzwa kwemwedzi mitanhatu kana kupfuura inowanzonzi yakabhadhara autos . Leased autos inowanzowedzerwa kumutemo kuburikidza nekubvumirwa. Vane inshumo yekuremara uye kukuvara kwemuviri nenzira imwecheteyo yeimba ye autos (pamusimboti wekutanga).