Kwete Kupikisa Mutoro
Pasi pemutemo wehurumende wakapfuura muna 2005, makambani ekubhadhara motokari haasi kutarisirwa kune vechitatu nekuda kwekukuvadzwa kana kukanganisa kunotsigirwa mumatambudziko anokonzerwa nokuregererwa kwevatengi vemari.
Izvi zvinoreva kuti shandi yekubhadhara haigone kutongerwa mhosva nekuda kwekuti inofambisa motokari inotungamirirwa nemumwe munhu anotadza.
Simba rekurenda rinogona kutarisirwa mhosva kune njodzi inokonzerwa nekuregererwa kwekambani yekurenda kana kuipa kwechivi. Heino muenzaniso wehuwandu hwekutaura hunogona kuiswa kune sangano renharaunda.
Muenzaniso
Regina Rogers ane Rogers Risk Analysis. Iye ari munzira yake kuzosangana nemutengi, uye ari kutyaira motokari yaakakodha kubva kuTableable Rentals. Regina arikurumidza. Ari kukurumidza kutenderera kwemaira anenge maira kubva kuhofisi yekambani yake apo motokari inomira mberi kwake. Regina anobayiwa pamabheki ake asi haagoni kumira nenguva kuti arege kupwanya motokari pamberi pake. Izvo zvose motokari yake yekurenda nemotokari yaanozoguma inoparadzwa zvakanyanya. Beth Baker, mutyairi wemumwe motokari, anotsigira gumbo rakaputsika uye gumbo rinoputsika.
Mwedzi miviri gare gare, Bheti anoona zvose zviri zviviri Regina uye Kuvimbiswa Kwechokwadi kwekukuvara kwemuviri uye kukanganisa kwepfuma .
Sutu yaBheti inotaura kuti njodzi yacho yakabva kune zvikonzero zviviri: kutyaira kwaRegina kusina hanya, uye kukanganisa kwesangano renharaunda kutadza kuchengetedza motokari. Bheti anopikisa kuti mabhazi emotokari airenda akanga akapfeka. Kunyange zvazvo Regina akanga achikurumidzira kusati kwaitika njodzi yacho, angave akakwanisa kumira nokukurumidza Izvo Zvokuchengetedzwa Zvakachengetedzwa zvakashandirwa mabheki zvakakwana.
Regina nokukurumidza anogamuchira tsamba kubva kubazi rekurenda. Kuvimbika Kunzvimbo kunoda kuti iye (kana kuti bhizimisi rake) apiwe chikwereti chezvinhu zvose zvinotengeswa (zvinosanganisira kudzivirira mari uye kukuvara) nemhaka yekutongwa kwaBhete. Kuvimbika kunotaura chibvumirano chekubhadhara mukonesi Regina yakasinwa paakabvarura motokari.
Regina anotumira tsamba iyo yese uye mhosva yeBheti kumutengesi yebhizimisi. Nemhaka yokuti mutemo wake wekutengesa motengesi unosanganisira kugovera mahara emotokari, Regina ane chivimbo kuti achamudzivirira pamhosva yeBhete. Zvisinei, iye haazive kana ichizovhara chivimbiso chekuti chibhadharo chekubhadhara.
Chibvumirano Chekuita
Zvinenge zvese mitemo yemotokari yemabhizimisi inosanganisira kubhadhara chikwereti . Izvi zvinopihwa kuburikidza nechimwe chikamu kune kusungirwa kwebvumirano chebvumirano iyo inowanikwa pasi pekuchengetedzwa kwebasa rekuzvipira . Iyo mitemo inobatanidza chikwereti iwe unofunga pasi pegvumirano yakavimbiswa , sezvo iyo izwi rinotsanangurwa mumutemo. Izwi iri rinofukidza mhando dzakasiyana dzezvibvumirano.
Chikamu Chekukodha Motokari Zvibvumirano
Imwe rudzi rwechibvumirano chinokodzera sevimbiso yehu inshumbisi pasi pekutengeserana kwemotokari purogiramu yemvumo yekutengesa motokari. Iyo mitemo inobatanidza chero kubvuma kwemhosva iyo iwe (kana mumwe wevashandi vako ) kupinda mukati kana kukodha kana kukodha motokari nokuda kwebhizimisi.
Purogiramu yekubhadhara motokari Regina yakasinwa yaiva nechokuita chibvumirano. Chibvumirano chacho chaida Regina kuti apiwe mari yekutengesa kuvimbika kwemari yezvimwe zvikuvadza, kukuvadzwa kune vamwe, kana kukuvadza kune imwe nzvimbo yevanhu yakaguma kubva pangozi yakaitika apo Regina aive achishandisa motokari.
Regina akariza motokari yebhizimisi. Chibvumirano chekubhadhara motokari chinogadziriswa sevimbiso yehutsivhisi pasi pekutengesa motokari yemagetsi Nokudaro, Regina's auto insurer inofanira kuvhara kudiwa kwekambani yekubhadhara kubhadhara.
Kwete Nharaunda yeGari Kukuvadza
Zvibvumirano zvakawanda zvemotokari dzinobhadhara inopa chikwereti kune vashandi vanobhadhara kukanganisa mumuviri yemotokari inotora. Kana mutengi achikuvadza motokari semugumisiro wenjodzi, iye anofanira kubhadhara kambani yekubhadhara kuitira mari yekugadzirisa motokari.
Izvi zvinodhura hazvifukidzwi nemhosva yemvumo. Iyo tsanangudzo yemubvumirano we inshuwe inonyatsorega chikamu chero chekontrakiti chero ipi zvayo inobhadharwa inokuraira iwe (kana mushandi wako) kubhadhara kukanganisa kweimba kumotokari inoshandiswa.
Iwe unogona kuvhara motokari dzezvivako zvekugadzikana kwepanyama nekutenga kubhadhara auto gwara kukuvadza kuputika. Zvimwe, unogona kutora kurasikirwa nekukuvara kweiver (dzimwe nguva kunonzi kusagadzikana kukanganiswa kweiver) kubva kune sangano renharaunda.
Motokari Inotorwa neDriver
Tsanangudzo yesungano yechipupuriro inobvisawo chero kambani iyo iwe kana mushandi wako anotora motokari nemutyairi. Izvi zvinoreva kuti, kana iwe uchitora chikwereti panzvimbo yekambani yakabhadhara mukonesheni inosanganisira kubhadhara motokari ine mutyairi, kutora kwako mhosva hazvizofukidzwi.