Paunenge uchitenga kuparadzirwa kwepanyama mumuviri unogona kusarudza kuvhara motokari dzose dzaunenge uine kana subset yemotokari idzodzo, dzakadai sevanotakura voga motokari chete. Iwe unogonawo kusarudza kuora kwekugadziriswa kwemuviri kwemari yakashandiswa . Iyo yakavharwa motokari dzinyoreswa zviratidzo zvinoratidzwa mumashoko ekuzivisa zvinoratidza mhando dzemotokari dzakaputirwa kukuvara kwemuviri.
Unofanira kutengesa kuparadzwa kwepanyama here? Mhinduro yacho inobva pane yezera, kukoshesa, uye mamiriro emotokari dzako pamwe chete nemari yehutano hwehutano hwehutano. Mutengi wako kana mutengesi anogona kukubatsira kuti usarudze kana kugoverwa kwekukuvadza kwakakosha kwauri.
Coverage Options
Inyanzvi yekutengesa motokari inopa zvinhu zvitatu zvinogona kukuvadza kuparadzwa kwepanyama: Comprehensive, Specified Causes of Loss and Collision.
- Comprehensive Coverage Inoshandiswa kurasikirwa nemotokari yakavharwa kubva kune chimwe chikonzero kunze kwekugadzirisa motokari kune chimwe chinhu kana motokari inoputika. Comprehensive Coverage yakagadzirirwa kusangana neClision Coverage. Zakawanda kurasikirwa izvo zvisina kuvharwa pasi peKutarisana zvichafukidzirwa pasi Pakazara. Muenzaniso ndezvokuba motokari .
- Zvinonyanya kukonzerwa Nezviitiko Zvokurasikirwa zvinonzi zvinetso zvakadai semoto, mheni, kuputika, uye kuba . Ichi chinyorwa chinowanikwa pamotokari yevatengesi (matori uye trailers) chete, kwete yevamwe vanofamba motokari yemotokari. Icho chinhu chinodhura chinodhura kune Comprehensive Coverage.
- Collision Coverage Inosara kurasikirwa nemotokari yakavharidzirwa inokonzerwa nekupopotedzwa kwemotokari kune chimwe chinhu kana motokari inoputika. Izvo "chinhu" chinoshandiswa nemotokari yemotokari inogona kuva imwe motokari kana chinhu chakasimudza chakafanana nemuti.
Kudonha Zvinhu neGirazi Kuputsika
Kurasikirwa kunokonzerwa nemisungo inobhururuka kana zvinhu zvinowira zvakaputirwa neCherere Coverage.
Uyewo yakafukidzwa girazi kuputika uye kurasikirwa kunokonzerwa nekupopotedzana neshiri kana mhuka. Heano mienzaniso ye kurasikirwa iyo yaizove yakafukidzwa neCreference Coverage:
- Dombo rinoputika kubva pachikomo uye rinowira pane yako, iyo yakamira pedyo. Izvo zvinokonzera kukonzera kukuru mune hood yemotokari yako.
- A heavy pine cone inowira padenga remotokari yevatakuri vari voga, kuputika girazi.
- Iwe uri kutyaira ngoro yekambani apo nondo inomhanya pamberi pako. Iwe unotapira pamabheki ako asi haugone kudzivisa kuputika nejondo. Iyo inoparadza inoparadza pamberi pegori yako.
Kana motokari yako inopesana nechimwe chinhu (kunze kwechikara) uye girasi rinoputika rinoitika, girazi rinoputika rinogona kuvharwa pasi peClumbision Coverage panzvimbo yeKubwinya Kwakakwana. Somuenzaniso, fungidzira kuti mushandi wako ari kutyaira kambani yekambani munguva yemvura inonaya. Imotokari inodzivirira pamvura inonaya uye inomhanya mumuti. Biravira remotokari rinoputika uye rakarurama pamberi pefender rinokuvara.
Nemhaka yokuti kurasikirwa kukanganiswa kwakaitika, iwe ungasarudza kuvhara windshield yakaputsika pasi peKutarisana kwekugadzirisa. Zvose mbiri uye chekuvadza zvinenge zvichitungamirirwa kune imwe (Kurwisana) inotorwa.
Kana ukasarudza kuvhara girazi kuputsika pasi pasi peComprehensive Coverage, mabhii maviri anotsvaga angashanda. Girazi rinoputika raizove pasi peComprehensive deductible iyo iyo fender inogona kuiswa pasi peKubvutanidzwa kwako kubviswa.
Towing and Labor
Nzira dzakawanda dzekutengeserana kwemotokari dzinopa huwandu hwekugoverwa kwekucheka nekushanda. Ichi chinyorwa chinoshanda kumunhu wega yega mutenger autos chete. Muganhu (kazhinji $ 50 kana $ 75) unofanira kunyorerwa pane kuzivisa.
Kutengesa Kudhura uye Kurasikirwa Kwekushandisa
Kukuvadzwa kwepanyama kugoverwa kunosanganisira kuwedzera kuwedzera kwekuwedzera, Kutenga Kwemari uye Kurasikirwa Kwekushandisa Mari.
Exclusions
Kukuvara kwepanyama kugoverwa hakuiti kune kurasikirwa kunokonzerwa nechimwe chezvinotevera:
- Hondo uye zvinetso zvakakanganisika
- Kushandura kana kuita zvishamiso
- Kuwedzererwa mukoshi
- Kupfeka uye kubvarura, kupisa, kushandura kana magetsi kuputsika.
- Kuvhiringidza uye zvimwe zvinokonzera kupera
Maviri maviri ekupedzisira ematambudziko (kupfeka uye kubvarura, kuputika nezvimwewo) hazvibvumirwi nokuti vanoonekwa sekugadzirisa nyaya. Izvi zvinoshandiswa hazvirevi kune motokari yakavharwa iyo yakabiwa.
Electronic Equipment
Motokari dzemazuva ano dzine zvinhu zvakasiyana-siyana zvemagetsi. Mimwe mhando yemidziyo inoshandiswa kugadzira motokari. Chimwe muenzaniso ndeyekutengesa bhajiro. Mimwe midziyo inoshandiswa pakutsvaga kana zvinotarisirwa. Mamwe mavara emagetsi (kufanana nekuona radhiar) haafaniri kuvharwa.
Zvikamu uye Deductibles
Nezvishoma zvishoma, kuparara kwepanyama kunenge kusinganzwisisiki. Pane kudaro, mubhadhadzi wako achabhadhara zvishoma pane zvinotevera:
- iyo chaiyo mari yakakosha yemotokari yakakanganiswa kana zvigadzirwa; kana
- mari yekugadzirisa kana kuiisa.
Kana iyo mari yekugadzirisa motokari yako inodarika yakakosha mari chaiye, yako insurer angangodaro ichitaura motokari kurasikirwa zvachose .
Chinhu chimwe nechimwe chinokanganisa kuparara kunowanikwa kune imwechete yakabviswa. Semuenzaniso, unogona kusarudza Comprehensive Coverage ne $ 500 deductible uye Collision Coverage ne $ 1,000 inobviswa. Iwe unogona kuderedza mapeamisi ako ekukuvadza nekuwedzera yako deductibles.
Kurasikirwa kwekubhadhara kwakaitwa nemuteresi wako kunogona kusanganisira yako deductible (yako yakagadzirirwa inogona kunge yave yakabviswa). Zvimwe, iyo inshurensi inogona kuverenga kurasikirwa kwako kwekurasikirwa kunze kwekuregererwa uye nekukutumira iwe mushumo wemari yakabhadharwa.