Apo bhizinesi rebhizimisi rinozvitenga chivako chekutengeserana nekutenga chikwereti, chikwereti chikwereti chingada kuti mutengi awane purogiramu yemiti inosanganisira yakawanda mortgage clause .
Heano muenzaniso.
Muenzaniso
Andy ane A-1 Appliances, kambani inotengesa mishonga yemusha. Andy ikambani yakangotenga zvigadziri zvitsva nemari yaitora kubva kuna Lucky Lending.
Chikwereti A-1 chakawanikwa kubva kuna Lucky Lending chinogadziriswa neimba. Nokuti imba yekuchengetera iri kushanda sechisimbiso chechikwereti, Lucky Kukwereta ine chido chisingavimbiki mairi. Kuchengetedza kufarira kwaLucky, chibvumirano chechikwereti chinoda A-1 kuvhara imba yekuchengetedza kusanganisa nemoto nedzimwe njodzi pasi pesimba rekutengesa pfuma. Chibvumirano chinotaura kuti mutemo unofanirwa kuisa mutero we mortgage clause.
Standard Clause
Mumakore apfuura, vatsigiri vanyori vakanyora inshuwarisi yepaimari vaifanira kushandisa fomu yepurogiramu inonzi 1943 New York Standard Moto Policy. Icho chechipiri chaive nechikamu chinonzi Mortgagee, icho chakataura nezvekodzero dzevakweretesi. Iri gwaro raitumidzwa semuwandu wekutengesa chikamu .
Mazuva ano, fomu yeNew York haisati yashandiswa, uye ISO yemabhizimisi purogiramu yemiti inonzi inofanirwa nehurumende. IIOO inotarisana nekutora chikwereti muchikamu chinonzi Mortgageholders. Iri chinyorwa ikozvino chinoshanda sechidimbu chekutenga chikwereti. Inowanikwa mune dzakawanda mitemo yezvigadziro yakanyorwa nevatsigiri vese.
Nharaunda
IIOO mortgage clause inoshanda kumunhu anotora chikwereti anonzi muzviziviso. Uyo anokweretesa akafukidzirwa kurasikirwa kana kukanganisa kwechivako kana sarudzo inoshanda sechikwata chechikwereti.
Kana vatengi vakweretwa vakanyorwa mubumbiro remitemo, ivo vakafukidzirwa nenzira yakatarwa. Semuenzaniso, fungidzira kuti mutongi ane chikwata akatenga chivako chine mari mbiri (yekutanga uye yechipiri). Kana chivako ichipisa, uyo anokweretesa akanyorwa pakutanga anotora chikwereti achabhadharwa. Mushure mokunge vatengesi vekutanga vabhadharwa, uyo anokweretesa pane wechipiri kutenga chikwereti achabhadharwa.
The mortgage clause inotaura kuti vateresi vachawana kubhadhara "sezvo zvido zvavo zvingaonekwa." Izvi zvinoreva kuti mari iyo mumwe nomumwe anokwereta inogamuchirwa kuburikidza nehuwandu hwekukuvadza kune chivimbiso cheshuwarenzi uye kubhadharwa kusingabhadharwi (mukuru uye nharaunda) yechikwereti. Somuenzaniso, moto unoparadza A-1 Appliances 'yarehouse. Panguva yemoto, A-1 inokwereta Lucky Kukwereta $ 750,000 mukutungamira uye kuwedzerwa kufarira. Kukweretesa Kunobatsira kunowana mubhadharo weInishuwarenzi we $ 750,000, kufarira kwayo muimba.
Mari iyo mubhadhadziro achabhadhara kurasikirwa kunoenderana nemuganhu wemutemo. Somuenzaniso, kana A-1 yekugadziridza inosvika $ 1.5 mamiriyoni, iyo inshurensi haichabhadhara mari inopfuura $ 1.5 mamiriyoni kumapato ose akafukidzwa (A-1 Appliances uye vose vanokweretesa).
Mune dzimwe nyika, vateresi vanochengetedza zvikwereti zvavo kuburikidza nemabasa ezvitendero panzvimbo yekutora mari. Nokuda kwechikonzero ichi, izwi rokuti mortgage holder mu-mortgage clause rinosanganisira mutongi.
Kufananidzira
Mukwereti ane kodzero yekuwanazve kurasikirwa pasi pemutengo weimba yaiye akwereta haatambudziki nechiito chipi nechipi chekutsvaga chikwereti chakatengesa kumudzidzi weimba asati arasikirwa. Somuenzaniso, fungidzira kuti A-1 Appliances inokundikana kuita mamiriyoni akawanda ekubhadhara chikwereti, saka Lucky Lending inopa chiziviso chekusiya. Mwedzi mumwe mushure mokunge chiziviso chacho chabudiswa, imba yekuchengetedza inoparadzwa nemoto. Chiziviso chisingaiti hachizokanganisa kodzero yeLucky yekuwana kubhadhara kwekurasikirwa pasi pemutemo.
Mabasa of Policyholder
Munhu anotora chikwereti ane kodzero yekuwanazve kurasikirwa pasi pehutano kunyange kana muiti wepurisa akanganisa mamiriro epurogiramu ye inshuwarisi.
Somuenzaniso, fungidzira kuti A-1 Appliances 'yarehouse inoparadzwa nemoto. A-1 inofanirwa kudai neimba yake inshuwarisi yekukuvadza kune chivako uye zviri mukati. Zvisinei, A-1 inoramba kutendera mutongi kuimba kuti aongorore mhirizhonga. Iyo inshuwarisi inopesana neA-1's claim nokuti A-1 yakundikana kuita maererano nehurongwa hwematongerwo enyika .
Lucky Kukweretesa kodzero yekudzoka pasi pehutungamiri hahuzovhiringidzi nezviito zveA-1 chero bedzi mukwereti achizadzisa mamwe mamiriro ezvinhu. Mukwereti anofanira:
- Bhadhara chero purogiramu inobhadharwa pamusana pokuti mutungamiri wehurumende akakundikana kubhadhara
- Isa chiratidzo chekurasikirwa (kana iyo policyholder isina kuita saizvozvo) mukati mememazuva makumi matanhatu ekugamuchira chiziviso chokuti uchapupu hwekurasikirwa hunokonzerwa
- Zivisai iyo inshuwarisi kana uyo anopa chikwereti achiziva chero shanduko muimba yekuvaka kana kuti kugara, kana kuti njodzi yakachinja zvikuru
Kana imwe chikwereti yapedzisa matanho aya ose, inokodzera kugamuchira chikwereti chekurasikirwa pasi peA-1's policy policy.
Kudhindwa kweZviito
IIOO Mortgageholders clause ine chinyorwa chinopiwa . Inotaura kuti kana iyo inshuwarisi inobhadhara kurasikirwa kune anokweretesa asi inoramba kubhadhara kune inshurenzi, kodzero dzevaritendi dzekudzikinura dzinoendeswa kune inshuwarisi kusvika pamwero webhadharo. Mumuenzaniso wekare, A-1 Appliances yakarambidzwa kubhadhara pasi pehurongwa nokuti yakakundikana kutevedzera mitemo yesimboti ye inshuwarisi. Ngatitii Lucky Kukwereta yawana mari yekubhadhara ye $ 5 000 000 nokuda kwekuda kwayo muimba yakakonzerwa. Moto wakakonzerwa nechirema mune sesegesi remagetsi rakachengetwa muchivako. Kana Lucky Akakwereta asina kugamuchira mubhadharo wekuvhiringidza, muteresi angadai akatsigira mucheki wekuchera kuti aparadze pfuma .
A-1's property insurer yakagadzirisa Lucky Kukweretesa kwekurasikirwa. Nokudaro, chikwereti chikodzero chokupomera muiti wekubhadhara chinotumirwa kune inshuwarisi. Iyo inshurenzi iye zvino ine kodzero yekupomera muiti kuti atore mari ye $ 700 000 yakabhadhara kuna Lucky Lending.
Iyo inishuwarenzi inogona kusarudza kubhadhara chikwereti chikwereti chikuru pane chikwereti pamwe chete nemari inowanikwa yakawanda. Kana chikwereti chiripo chiripo, mutungamiri wekambani anofanira kubhadhara chikamu ichocho kune inshuwarisi.
Kuchenesa uye Kwete-kuvandudzwa
Pasi pechikwata chekutora chikwereti, inshuwarisi inofanira kuzivisa chikwereti chekubhadhara chikwereti pakunyora kana inshuwarisi inogona kukonzera mutemo kana kuramba kuigadzirisa. Kana bhizinesi ikakundikana kubhadhara mari yepamusoro, iyo inshuwarisi inofanira kuzivisa kune chikwereti mazuva 10 zvisati zvaitika musati warambidza mutemo. Kana iyo inshurense inogona kukonzera mutemo nokuda kwechikonzero chero chipi zvacho kunze kwekusabhadhara chikamu chekutanga, inofanira kupa mazuva makumi matatu kutangira kune uyo anokweretesa. Mubhadhadziro anofanira kunge akasarudza kusandura mutemo, inofanira kupa muteresi wemazuva gumi.
Izvi zvingaregererwa zvingashandurwa nemutemo wehurumende. Semuenzaniso, mamwe magwaro anoda vatsigiri vekuchengetedza chikwereti kwemazuva makumi maviri makumi matatu zvisati zvaitika kana mutemo wakabviswa nokuda kwechikonzero chipi zvacho kunze kwekusabhadhara kwepamu.