Hapana Mhosva Inodiwa
Kurapa Kwemishonga Kugoverwa kunobhadhara mari yezvemishonga inowanikwa nomunhu anenge akuvadzwa nemhaka yemabasa ako ebhizimisi. Icho chisiri chekukanganisa. Izvi zvinoreva kuti mari yakakuvara yemari yekurapa inobhadharwa pasi pehurongwa hwako pasina mhosva.
Izvi zvinodhura zvakabatwa kana kana iwe hauna mhosva yekukuvara. Munyaya iyi, Coverage C yakasiyana chaizvo neAverage A, Bodily Injury uye Property Damage Liability, uye Bhoteri B, Yomunhu uye yekutsvaga Kupa Mhosva . Mipumburu A uye B inoshanda chete kana iwe (kana mumwe bhuta) uine mhosva yekukuvadzwa, uye uyo akakuvara akaisa chikwata kana sutu .
Kurapa Kwechiremba Kuvharwa kunogona kushanda senhare pamusoro pemhosva dzemhosva. Munhu akakuvadzwa angave asina kukupomera mhosva yekukuvadzwa mumuviri angave asina kukodzera kutongesa kana mari yake yekurapa inobhadharwa nokukurumidza.
Covered Expenses
Kurapa Kwekurapa kugoverwa kunobhadhara "zvinonzwisisika" mari yekubatsira kokutanga yakaitwa panguva yengozi. Somuenzaniso, fungidzira kuti Jim, mutengi wako, anowira pfuma yako uye anovhuna ruoko rwake. Unomhanyira Jim kune chiremba, uyo anopa rubatsiro rwekutanga. Chiremba anoongorora ruoko rwakaputsika uye anotungamirira Jim kuchipatara.
Mari yekushanyira hofisi ingangodaro yakafukidzwa semari yekutanga yebhadharo. Uyewo yakafukidzwa pane chero ipi zvayo inoda kurapwa, chirwere, chirwere chema-x uye mazino emishonga, kusanganisira zvigadzirwa zveprohetic. Kana Jim akashandisa mari ye X-raire uye kurapwa kuchipatara, iyo mari inofanira kuvharwa.
Kurapa Kwemishonga Kugoverwa kunosanganisira mari yei ambulensi pamwe chete nechipatara chero chipi zvacho kana zvipatara zvinodiwa.
Kana uyo akakuvadzwa akafa, mari yekuviga yakavharwa.
Kunobatanidzwa Kushanda
Coverage C inoshandisa mishonga yemari yekukuvara kwomuviri inokonzerwa nenjodzi inoitika:
- Paimba yako: Muenzaniso wekare, kukuvara kwaJim kwakaitika panzvimbo yako.
- Mune imwe nzvimbo pakarepo iri pedo neimba yako: Somuenzaniso, kukuvadza kwaJim kungangove kwakaitika munzira inoenda kune bhizimisi rako kana pakishambadzira pedyo nayo.
- Gara kubva panzvimbo yako: Chikuvadza chinowanzoitika-nzvimbo inogadzirirwa kana njodzi inowanzoitika nekuda kwekuita kwako.
Heano muenzaniso wekukuvadzwa kunowanikwa kunze-nzvimbo. Jill anoshandisa bhizinesi rekugadzira magetsi. Jill ari pachinzvimbo chebasa akaisa tambo yesimbi kana Susan, mushanyi achienda kunzvimbo yacho, achifamba nenzira yechipfuva pamusoro petsambo. Susan anowira ndokupwanya chikwama chake. Nemhaka yekukuvadzwa kwaSusan kwakakonzerwa nenjodzi yakakonzerwa nekushanda kwaJill, mari yake yezvemishonga inofanira kuvharwa nekutonga kweJill pasi peKubatsira C.
Kuti uwane mari inofanira kuvharwa pasi peBumbiro C, njodzi yacho inofanira kuitika munharaunda yekuparidzira uye munguva yematongerwo emitemo yako. Mukuwedzera, mari inoshandiswa inofanira kuiswa uye inoparidzirwa kune inshuwarisi mukati megore rimwe remusi we ngozi.
Somuenzaniso, fungidzira kuti njodzi yaSusan yakaitwa musi waApril 1, 2016. Kufukidzwa pasi pemitemo yaJill, mari yekurapa yaSusan inofanira kunge yakaitwa musi waApril 1, 2017. Jill anofanira kuendesa mari iyi kumubhizimisi wake musi waApril 1, 2015.
Yakagadzirirwa Kukuvadza Kwemadiki
Kurapa Kwemishonga Kugoverwa kunoenderana nemuganhu unoshanda kune munhu wese. Iyi miganhu inowanzoperera, yakadai se $ 10 000. Nokudaro, Medical Payments kugoverwa kunogadzirirwa kukuvadzwa zviduku, zvakadai semakumbo emakumbo anokonzerwa nekudonha-uye-kugwa .
Mukuwedzera kune mumwe Muganhu weMunhu, mari yezvokurapa inotarisana neZvamwe Chiitiko Chega Chega uye Zvikamu zveGeneral Aggregate mumatongerwo emitemo yako. Semuenzaniso, fungidzira kuti Susan anotengesa $ 8,900 muhutano hwehutano hwakakonzerwa nemakumbo ake. Muchengeti wako wehuteresi anounza izvi zvinodhura pasi peChipatara Chakuripa Mari.
Susan anonyorera suti yekukuvadza kwepamberi nekambani yako inotsvaka $ 25,000 mukukuvara. Anoti chimwe chezvinhu zvinokosha zvaainge akatakura mubhegi rake rainge raparadzwa paakawa.
Chero zvinokanganisa kana kugadzirisa iyo inshuwarisi yako inobhadhara pamusana pekupa mhosva ichaderedza zvose Chiitiko Chega Chega uye Zvikamu Zvose Zvikamu mumutemo wako. I $ 8,900 yako yeupima iyo inobhadharwa neChirwere Payments ichaderedza miganhu iyi zvakare. Iko $ 8,900 mune zvekurapa mari inotadzisawo Muga woga wega unogadziriswa mumutemo wako weArapa Payments.
Exclusions
Kurapa Kwemishonga Kugoverwa kunoenderana nezvose zvakasarudzwa pasi peChipiri A, Bodily Injury uye Property Damage Liability. Mienzaniso ndiyo mvumo yevashandi uye chikwereti chebvumirano chisingawaniki. Izvi zvinotevera zvinoshandiswawo zvakare:
Kukuvadza kune Anishuwarenzi
Kurapa kwezvokurapa kunoitwa nomunhu wese anokodzera kuva inshupisi pasi pehutano hwako hauna kuvharwa. Cherechedza kuti vashandi vako vane insureds pasi pemutemo, naizvozvo kubviswa uku kunoshanda kwavari. Zvisinei, chimwe chikamu chinoshandiswa kune mari yekurapa inowanikwa nevashandi vanozvipira. Mari dzinoshandiswa nevakazvipira dzakaputirwa.
Ani zvake Anotorwa Newe
Hapana kugoverwa kunoshanda kumakuvadza akabatwa nemumwe munhu akambirwa iwe kana kuti ani zvake akachengetwa.
Mutariri wePamberi
Kana munhu kazhinji achitora nzvimbo yaunenge iwe kana kuti achikwereta uye akakakuvara pane iyo nzvimbo, chero zvikwereti zvinokonzerwa nekukuvadza uku hazvifukidzwi. Somuenzaniso, fungidzira kuti Fred anoshandisa nzvimbo yehofisi muimba yaunayo. Kana Fred akakuvara munzvimbo yake yakabhadharwa, Kurapa Kwokurapa Kwokurapa hakuzofukidze mari yekurapa yakabatana nekukuvara kwake.
Kukuvadza Kunopupurirwa Nevashandi Kupihwa
Kana uyo akakuvara ane kodzero yekubhadhara vashandi zvikwereti pasi pemutemo wakatengwa newe kana mumwe munhu upi noupi, kukuvara hakukudzikidzirwa neMari yako yekubhadhara. Mune dzimwe nyika, vashandi mari yekubhadhara inofanirwa kushanda segadziriro yega yega yekukuvadzwa kwebasa.
Mitambo Inobatsira
Hapana chinyorwa chinoshanda kune ani nani akakuvadzwa paanenge achiita, achiraira kana achiitawo chimwe chinhu mune zvidzidzo zvepanyama kana mitambo, mitambo, kana mitambo yemitambo. Somuenzaniso, fungidzira kuti Fred ndiye mushandi wako. Mudzimai waBhete, Fred, akakuvara paanenge achitamba softball muboka rinotsigirwa nekambani yako. Chero zvipi zvehutano zvinoshandiswa neBhete inosvika pamusana pokukuvara kwake hazvizofukidzwi pasi peUnited Payments coverage.
Mishonga-yakapedzwa Maitiro
Hapana kugoverwa kunoshanda kumakuvadza kune vamwe vatatu kana kukuvadzwa kunokonzerwa nezviitiko zvinokonzerwa nemitengo yako kana basa rakapedzwa. Kukuvadza kwakadaro kwakafukidzwa nemiti yakagadzirwa-yakapedzwa basa rinovhara, iro rinowanikwa pasi peKutika A.