Standard Policy
Vazhinji vatsigiri vehurumende vanopa zvekutengeserana mabhizimusi vanoshandisa mafomu emitemo yepamutemo yakabudiswa neIO . Mutsara weIO Business Auto Policy ndiyo Bhizimisi Auto Coverage Form. Iyi fomu ine zvikamu zvinokosha zvematongerwo enyika, kusanganisira zvinyorwa (kubhadhara uye kukuvara kwepanyama ), kusabatwa , mamiriro, uye tsanangudzo.
Zvitsva zvitatu zveAnguri
Chikamu II cheBusiness Auto Coverage Fomu inotsanangura vanhu kana zvikwata zvinokodzera kuva insureds pasi pekutengeserana kwezvokubhadhara mari . Aya mapato anotsanangurwa mundima inonzi Ndiani An Insured. Izvo zvakakamurwa kuita zvikamu zvitatu:
- Iwe: Iwe uri inshuwarisi. "Iwe" zvinoreva uyo anonzi bhizinesi, munhu kana kambani yakanyorwa mumashoko ekuzivisa.
- Vashandi Vanobvumidza: Mumwe munhu wese ari kutyaira motokari yakavharwa iwe iwe, kubhadhara kana kukwereta nemvumo yako ndeye inshuwarisi. Izvi zvinoreva kuti, kana iwe uchibvumira mumwe munhu kutya motokari yaunayo, kubhadhara kana kukwereta, mutyairi ishuwarenzi. Vanotyaira munharaunda iyi vanowanzoti vashandisi vanobvumirwa.
- Omnibus Insureds: Uyewo munhu akachengeteka ndiye ani zvake ane mhosva yekuita kwako kana kuti yekuita kwevashandi vanobvumira. Kazhinji inonzi semnibus clause , shoko iri rinofukidza ani zvake angave akatongerwa zviri pamutemo pangozi inokonzerwa nemunhu anonzi bhizinesi kana kuti munhu anoshandiswa.
Inonzi Mishoni Inowanikwa Mukuwedzera
Pakati pemhando mitatu ye insureds, iwe unopiwa huwandu hwakawanda hwekugovera. Iwe wakafukidzirwa chero ipi zvayo yakavharwa motokari. Ipi motos "yakafukidzirwa" inobva pane yakavharwa motokari mazita zviratidzo zvinowanikwa muzvikamu zvekuzivisa kwehutano hwako. Somuenzaniso, kana chiratidzo 2 (chinotengeswa autos) chinowanikwa pedyo nekuvhara mhosva, iwe wakavharwa nokuda kwezvikwereti zvichibva kune chero motokari yaunayo.
Saizvozvowo, kana zviratidzo zve8 ne 9 (zvibharo uye zvisirivo autos ) zvinoratidzirwa, iwe unofungidzirwa pamhosva dzinotangira chero chero motori waunenge uchibhadhara, uye chero chero ipi zvayo yaunenge uine motori.
Cherechedza kuti iwe (uyo anonzi insured) akafukidzwa kunyange kana iwe usina kutyaira motokari apo njodzi inoitika. Izvi zvakakosha nokuti vashandi vanowanzokwanisa kubhadhara mitemo yevashumiri vavo. Kana iwe wakapomerwa semugumisiro wepakaona yemotokari inokonzerwa nevashandi vasina hanya, iwe unofanirwa kuvharwa nekuda kwekutaura.
Vashandi Vanotsigirwa seVashandi Vanobvumirwa
Vakawanda vevanhu vanofambisa motokari-vane motokari vashandi. Vashandi vako vese insureds pavanenge vachifambisa motokari mavo, kuhaya kana kukwereta kana motokari dzakadaro dzichivhara motokari. (Imotokari dzinotambirwa dzakaputirwa semotokari yakashandiswa .) Izvozvi, vashandi vanovharwa pavanenge vachifambisa motokari dzenyu kana kuti dzibhadharo chero bedzi iwe wakatenga kuvharwa kwebasa re autos iwe pachako kana kuti iwe unotenga. Kana hupfumi hwako hunoshanda chete kune vane autos, vashandi vari insureds chete pavanenge vachityaira motositi. Hazvifukidzwi paunenge uchityaira motokari yaunotenga.
Vashandi Vane Zvimotokari
Kuvharidzirwa kwakagadzirirwa vashandisi vanobvumira hakuiti kune vashandi pamwe nevashandi vanotyaira motokari dzavo. Motokari dzakadaro dzinofungidzirwa kuti hadzina autos nekuti haisi yevane zita rinonzi inshuwarisi.
Vashandi pamwe nevashandi havasi insureds pavanenge vachifambisa motokari dzisiri dzisina, kunyange kana dziri kushandisa motokari yebhizimisi rekambani.
Ngatitii yako yakasimba inoshandisa vashandi vekutengesa vanoshandisa motokari dzavo pachavo kuti vashevedze vatengi. Iwe unoda kuvimbisa vashandi vako kuti vave nemhosva pasi pekutengeserana kwemotokari yako. Nenzira yakanaka, kubvumirwa kunowanikwa nekuda kwechinangwa ichi. VaHedheni Vashandi seIncureds, izvi zvinotsigira vashandi vanotyaira motokari dzavo panzvimbo yevanoshandira.
Cherechedza kuti kubvumirana kunopa huwandu hwekugovera zvakanyanya chete. Izvi zvinoreva kuti purogiramu yemunhu wega yega yega yega inoshanda pakutanga kana mushandi wacho akatongwa nemhaka yengozi inosanganisira yemotokari yake. Kubvumirana kunoshandiswa chete mushure mekushandiswa kwebasa kwave kushandiswa.
Omnibus Insureds
Chikamu chechitatu che insureds chinosanganisira ani zvake angangobatwa achida kukanganisa motokari yemotokari inokonzerwa nemwi kana mutenzi wemvumo.
Ndiko kuti, inobatanidza chero sangano iro rinogona kutongerwa mutemo nemhosva yemotokari inokonzerwa newe kana nemunhu anoshandisa motokari yako nechibvumirano chako. Heano muenzaniso.
Capital Building inowanzogadzira chivako chehofisi. Guta rakabhadhara michina miviri, Prime Painting uye Luxurious Landscaping. Prime Painting inotenga mutengo wekutengeserana wezvokutengeserana unopa rubatsiro rwekuchengetedzwa kwemotokari yemotokari. Mufananidzo wekontiniti yakasayina chibvumirano chinovimbisa kutsigira Capital Building inopikisa chero zvipi zvayo zvinobuda kunze kwebasa rePaint Painting purojekiti.
Rimwe zuva, Paul, mushandi wePaint Painting, ari kuendesa imwe yematori ePaint Painting panzvimbo yebasa paanozovhiringidza Lenny, mushandi weLuxurious Landscaping. Lenny anoti Capital Building. Sutu yake inotaura kuti kontrakta mukuru ane mhosva yekukuvara kwake nokuti yakakundikana kuchengetedza nzvimbo yakachengeteka yebasa. Capital Construction inotungamirira kudai kuPaint Painting uye kudai kugoverwa. Kana Capital Building inofanirwa kuve nekodzero yekuveza kwekontrakta kusaregerera, inofanira kuvharwa nokuda kwekutsvaga pasi pePreint Painting yekutengesa motokari yemutemo. Prime's auto insurer ichasungirwa kudzivirira Zita uye kubhadhara chero kukuvadza kunopiwa kuna Lenny.