Kubhadhara motokari kune zvebhizimisi kunokonzera njodzi dzinoverengeka. Zvimwe zvezviri pachena; somuenzaniso, iwe unogona kukonzera njodzi yemotokari kuburikidza nekushandisa kwako kusina hanya kwebhazi yemotokari. Kana njodzi yacho inokonzera kukuvadzwa mumuviri kana kukanganisa kwemumwe kune mumwe munhu, uyo akakuvadzwa angakupomera iwe kana kambani yako nokuda kwekukuvara.
Dzimwe njodzi dzinobatanidza nekubhadhara motokari dzakanyanyisa. Chibvumirano chekubhadhara chinogona kutora chikwereti chakakura chemhosva kubva kusangano rekurenda kusvika kune yako yakasimba.
Iwe unogona kunge usingazivi nezvehuwandu hwemhosva yaunofunga kusvikira kudai kuiswa.
Mibvunzo inotevera inogona kukubatsira kuona zvimwe zvipingamupinyi zvakakonzerwa nekubhadhara motokari. Kana uchinge wapiwa mhinduro, bvunza sarudzo yako kana kuti mutengesi kuti akubatsire kuziva kana iwe une chikwata chakanaka chekurasikirwa kunogona kuitika.
Isangano rinobhadhara rinopa rubatsiro cheshuwarisi, uye inotarisirwa here kana kuti yakawandisa?
Yakawanda (asi kwete yose) inotaura kuti masangano ekubhadhara anopa vashandi zvishoma pamutemo mutemo wemotokari yekuchengetedza motokari . Uyu muganhu unowanzoti wakadzika kwazvo kuti ukwanise kukudzivirira pamatongerwo emhosva. Uyezve, kugoverwa kungave kwakanyanyisa, zvinoreva kuti inoshandiswa mushure mokunge kuwanikwa kwekuwanikwa, zvakadai semubhudha wekutengesa motokari yemunhu, yakashandiswa.
Ko yako yakasimba ine bhazinesi yemotokari yemutemo inobatanidza motokari yakashandiswa here?
Hired Auto Liability Coverage inowanikwa pasi pekutengeserana kwehurumende mutemo.
Iyo inodzivirira kambani yako nevashandirwi vako kusagadzikana kunobva mukushandiswa kwemotokari yakodzwa. Kufanana nehuwandu hwakapiwa nemasangano akawanda ekubhadhara, zvisinei, kugoverwa uku kwakawedzerwa. Mutemo wako uchabhadhara zvikwereti zvinobuda kubva kumotokari yakabhadharwa mushure meimwe inishuwarenzi yekusungirirwa yakashandiswa.
Ndiyo mutyairi wemotokari (iwe kana mushandi wako) unobhadharwa nehupenyu hwehupenyu huno hutakura motokari dzemotokari?
Mazhinji (asi kwete ose) mazano emunhu anovhara motokari dzakabhadharwa neanotsigira kana munhu anogara mumhuri.
Nokudaro, purogiramu yako pachayo inogona kubhadhara mari yekuchengetedza inokosha kana pasina imwe inshuwarisi yemhosva inowanikwa kuti ipe chirevo. Iwe haufaniri kutora, zvisinei, kuti yako (kana yevashandi) purogiramu yako pachayo inotarisa zvikwereti zvinobva kumotokari yakabhadharwa nekuda kwebhizimisi. Icho chinangwa chingave chakasiyana-siyana "kushandiswa kwebhizimisi" zvisingawaniki. Mukuwedzera, mutemo wega wega hauna zviitiko zvose (zvakadai sokurasikirwa kweMashandisirwo) izvo zvinowanikwa mune zvematongerwo enyika.
Ndiani zita rake richaonekwa pachibvumirano chokubhadhara ?
Izvi zvinokosha kune zvikonzero zviviri. Chokutanga, mutemo wenyu wekutengeserana motokari inobhadhara motokari yakashandiswa yakatorwa neainzi anishuwarenzi , zvinoreva kuti munhu kana kambani yakarongerwa mune kuzivisa. Iyo haifaniri kuvhara motokari inoshandiswa nevashandi kunze kwekunge vashandi-vashandi vashandi vakanyatsoputirwa nekubvumira. Chechipiri, mutori wemotokari wega motokari haafaniri kuvhara motokari inoshandiswa inoshandiswa mubasairi. Mujeri wenyu weinishuwarenzi anogona kukubatsira kuti uone kuti zvipi zvinokonzerwa zviripo mune imwe hurongwa .
Ndezvipi zvaunenge uine chikwereti chinopiwa kwauri nechibvumirano chenharaunda?
Zvibvumirano zvizhinji zvekubhadhara zvine chibvumirano chekubhadhara icho chinoisa mutoro kubva kune sangano renharaunda kwauri. Chibvumirano chinogona kukuda iwe (mutengi) kubhadhara kambani yekubhadhara nokuda kwezvikwereti zvakasiyana-siyana iyo inowanzoita semugumisiro wenjodzi inokonzerwa nekushandiswa kwako kwemotokari yokuraira.
Ndezvipi zvinyorwa zvinowanikwa kukanganisa kwenyama kumotokari inoshandiswa?
Chibvumirano chemotokari inotora mari inogona kuita kuti iwe uwane mhosva kune chero kukuvadzwa kwepanyama kwaunokonzera motokari inotora. Chibvumirano chinogonawo kukubata iwe une mhosva yekurasikirwa kwemashandisirwo, kuderera kwekukosha uye kutarisira mari. Masangano akawanda ekubhadhara anopa kuve nemhosva yekukuvara kwepanyama uye zvimwe zvikwereti kana iwe ukatenga kurasikirwa kwekukuvara kweiver (inonziwo kukanganisa kukanganiswa kweiver). IWDW inowanzokwanisika. Usati wabhadhara mari yakawanda, chimbofunga zvimwe zvaunowana zvekugovera. Izvi zvinogona kusanganisira:
- Kukuvara kwepanyama kugoverwa kwemotokari yakapiwa pasi pekutengeserana kwemotokari yako
- Kukanganisa kwepanyama kugoverwa kwemotokari dzinotorwa pasi pehupenyu hwehupenyu hwega
- Nharaunda yekupesana kana kubba kwebhazi dzemotokari dzakapiwa nekambani yekadhi yemakadhi. Ichi chinyorwa chinowanikwa chete kana ukashandisa kadhi kukodha motokari.
Kana kambani yako yakambomanikidzwa uye zvose zvinyorwa zvemhosva zvinowedzera, ndeipi mitemo inoshanda?
Zvose mapepa ehurumende nemabhizimisi anovhara motokari dzakakodzwa zvakanyanyisa. Kuvharirwa kwekodzero kunopiwa nekambani yekubhadhara kunogonawo kudarika. Ndezvipi zvinyorwa zvinoshanda pakutanga? Mhinduro yacho inogona kugadziriswa nemutemo wehurumende kana kutonga kwematare akapfuura. Zvimwewo, vashandi vanogona kusarudza kugovera kurasikirwa. Kumbira mumiririri wako kana gweta kuti mhirizhonga yakadaro inowanzogadziriswa sei muhurumende yako.