Chinangwa
Deductibles vanoshumira zvinangwa zvakawanda. Kutanga, vanobatsira kuchengeta inshuwarisi inotengesa. Zviduku zviduku zvinodhura kushanda. Mari yekugadzirisa iyo inogona kupfuudza mari yakabhadharwa kune policyholder. Kana mabhizimisi aifanira kuvhara kurasikirwa kwezvinhu zviduku, mari ye inshuwarisi yaizowedzera.
Deductibles inoshandisawo zvimwe zvigadziriswe kune inshuwarisi vatengi. A deductible rudzi rwe self-inshuwarisi . A policyholder inogona kuderedza chikamu chake pamusana pokusarudza ductible yakakwirira. Izvoti policyholder inokwanisa kuisa mari yekuchengetedza mubhizinesi. Pakupedzisira, vakadzingwa vanokurudzira vashandi vekuchengetedza maitiro ekuita shanduko yakanaka. Vadzidzisi veminda ndivo vanogona kuchengetedza zvivako zvavo nekupesana kana vachiziva kuti vachafanirwa kutora chikamu chekurasikirwa kupi kunoitika.
Mitatu mitatu yekuderedzwa inowanzowanikwa mune zvematongerwo emabhizimisi mazano: flat deductibles, percentage deductibles, uye nguva yekumirira.
Flat Deductible
Yakawanda yekutengeserana pfuma mitemo inosanganisira flat flat deductible (inonziwo yakananga kubviswa). A flat flat deductible is a specified dollar amount that applies to each loss. Inodzingwa kubva pachiyero chekurasikirwa kwakafukidzirwa. Mari yakasara inobhadharwa ne inshuwarisi.
Somuenzaniso, fungidzira kuti mitemo yako inosanganisira $ 2,500 inokwana uye $ 250,000 muganhu.
Nzvimbo yako inoshandisa $ 50,000 kurasikirwa nemoto. Tichifunga kuti hapana mari inoshandiswa, mushandi wako achabhadhara $ 47,500 ($ 50,000 - $ 2,500). Kana kurasikirwa kuri pasi pekubhadharisa mari yako, insurer yako ichaona kana mitsara yako yakakwana. Kana zvisina kudaro, iyo inshuwarheni inoderedza kurasikirwa kwako kwehupfigiro nehomwe yekutengesa mari .
Iyo inshurensi ichazobhadhara musiyano pakati pekugadziriswa kwekurasikirwa kwemari uye $ 2 500 yako inotengwa.
A flat flat deductible inoshanda kune chimwe nechimwe chinoitika. Kana zviitiko zvinopfuura chimwe zvichiitika panguva yemitemo, iyo inobviswa ichashanda pane imwe neimwe. Semuenzaniso, funga kuti chivako chekuchengetedzwa kwekuchengetedzwa kwekugadzirisa chinokanganisa nezvipfeko. Mwedzi mumwe gare gare chivako chakakanganiswa nemoto. Kuparadza uye moto zvaive zviitiko zviviri zvakasiyana. Nokudaro, iyo deductible inoshanda zvakasiyana pane imwe neimwe.
Percentage Deductible
A percentage deductible kazhinji inoshanda kune zvinetso zvinogona kukonzera kukanganisa kwakaipa. Mienzaniso ndiyo kudengenyeka kwenyika uye kuputika kwemakomo. Apo matambudziko aya akafukidzirwa uye kurasikirwa kunowanikwa, kurasikirwa kunoderedzwa ne deductible iyo inoshandiswa pamagetsi. Iyo yakagadzirirwa inogona kunge iri chikamu chemuganhu kana kukosha kwezvinhu zvakakanganiswa.
Somuenzaniso, fungidzira kuti chivako chinotsigiswa nekudengenyeka kwepasi pamaganhu e $ 500,000. Kudengenyeka kwenyika kunoenderana nekuderedzwa kwe15% yesimba. Chivako chacho chinotsigira $ 250,000 mu kudengenyeka kwenyika. Iyo inshuwarisi inobhadhara $ 175,000 ($ 250,000 - $ 75,000).
Kurasikirwa kunokonzerwa nemupupuri, mamwe mhepo ine chimvuramabwe kana chimvuramabwe inogonawo kuva pasi pehuwandu hwekuwedzerwa.
Dutu rinopedzisira rinowanzoitika munyaya inotaura kuti muganhu weAtlantic kana Gulf Coasts. Dutu rinopedzisira rinoshandiswa kune zvinokonzerwa nemupupuri chete (kwete mamwe marudzi emhepo). Chii chinoreva dutu guru rinogona kugadziriswa nemashoko ekutonga kana nemutemo wehurumende. Kazhinji, dutu rinenge risingatarisirwi sechamupupuri kusvikira raziviswa seNational Weather Service. Chimvuramabwe chinodonhedzwa chinowanzoburitswa se peresenti yenhamba ye inshuwarheni yekuvaka.
Mune dzimwe nzvimbo mapurogiramu epamba anogona kuisa mhepo kana mhepo / chimvuramabwe chinotengwa. Mhepo inobviswa inoshanda kune kukanganisa kunokonzerwa nemhando ipi zvayo yemhepo (dutu, dutu guru, mhepo yakarurama etc.). Mhepo kana chimvuramabwe chinogadziriswa chinoshandisa kukanganisa kunokonzerwa nemhepo kana chimvuramabwe . Mhepo kana mhepo / chimvuramabwe chinoparadzwa chinowanzo chikamu chekukosha kwechivakwa che inshuwarisi.
Pending Period
Mitemo yakawanda yemitemo yebhizimusi haishandisi shoko rokuti "ductible". Kunyange zvakadaro, inogona kusanganisira rudzi rwe deductible runonzi nguva yekumirira . Nguva yekumirira ndiyo nguva yenguva iyo inofanira kupera pamberi pokutanga kutangira. Chiitiko chebhizimisi mari yekumirira nguva inenge maawa 72 (mazuva matatu). Kubhadhara iwe unorasikirwa munguva yekumirira hazvifukidzwi. Nguva yekumirira inoshandawo kune Civil Authority Coverage .