Muenzaniso
Iwe pachako uri Paramount Produce, unoda kugovera zvezvibereko nemiriwo. Iwe watotenga ngoro huru yaunoda kushandisa kuti utakure michero.
Mutori wacho ane makore makumi maviri nemashanu asi ane injini itsva. Iinewo mabheki matsva, mataire matsva uye chinhu chitsva chokusimudza.
Iwe wakaisa mari yakawanda yemari mumotokari uye iwe unoda kuchengetedza utsvaga wako. Iwe unosangana nomudzidzisi wako wehushuwarisi uye kumubvunza kuti awedzere gori kune rako rekutengeserana motokari . Iwe unoudza wako wega kuti iwe unoda kuisa motori yemotokari yemhosva , yakazara uye yakagadzikana yakavharidzirwa.
Wakufambisi wako anokufonera iwe zuva rakatevera nemashoko akaipa. Iwe unotakura motokari unoramba kuvhara motokari yekukuvara kwenyama . Iyo inshuwarisi inopikisa kukosha kwegori kwakaoma zvikuru kutarisa kubva panguva yemotokari uye nekuvandudza kwawakaita. Zvisinei, mubhadhari wako anokupa mvumo. Ichaita kuti gori rive nekukuvara kwemuviri pane zvakataurwa zvakakwana .
Nhamba Yakatemerwa Endorsement
Nhamba yakatarwa yakavharwa inowanzogoverwa kana kukosha kwemotokisi yechipupuriro kwakaoma kusimbisa.
Ngoro (zvikurukuru mienzaniso yekare) inowanzovharwa nenzira iyi. Antique autos inowanikwawo pane zvakataurwa zvakanyanya pasi peshandisirwo yemotengesi yemabhizimisi.
Imotokari yakafukidzwa pane zvakataurwa zvakadzama kuburikidza nekubvumirana kunowirirana nemutemo wako. Iwe (the policyholder) unoona kukosha kwemotokari.
Iko kukosha kunowanikwa mukutendwa seMugove weInishuwarenzi. Nhamba yakatarwa yekuvharidzirwa inotarirwa kudhakwa, iyo inorongerwa muchibvumirano chiri pasi pemuganhu.
Iyo Yakagadziriswa Nhamba Yakagadziriswa inogadzirisa Murairo weInishuwarenzi muzvinyorwa zvekutengeserana motengesi. Kana kusina kubvumirwa, kuora kwekukuvara kwepanyama hakusi pasi pemuganhu. Kana iyo yakavharwa motokari ichikuvadzwa nedambudziko rakafukidzwa yako inshurensi ichabhadhara mari yekugadzirisa kana kugadzirisa zvinhu zvakakanganiswa, kana kuti chaiyo chaiyo mari inokosha, chero zvishoma.
Haisi Nechiratidzo Chechikonzero
Sezvataurwa pamusoro apa, kukosha kwaunoisa kumotokari yako kunosvika kumiganhu ye inshuwarisi muState Amount Endorsement. Asi, mari yawakagamuchira nokuda kwekurasikirwa inogona kunge iri pasi pehuwandu hwakatarwa.
Pasi pemutengo Wakatemerwa Kubhadhara, iwe unonyanya kuisa mubhadhadziro wako uchabhadhara kurasikirwa mune imwe yengozi imwechete ndeyeiyo inotevera:
- Zvechokwadi mari inokosha yezvinhu zvakaparadzwa;
- Mari yekugadzirisa kana kugadzirisa zvinhu zvakaparadzwa; kana
- Chiremera cheinishuwarenzi (yakataurwa muwandu) muchibvumirano
Somuenzaniso, fungidzira kuti wakaverenga kukosha kwekoti yako yekutakura kuti ive $ 50,000. Iwe wakachengetedza motori iri pasi pekugoverana zvakajeka ne $ 1,000 inobviswa.
Dutu rine dutu rinotinhira nemuguta uye rinoparadza motokari yako. Mufambisi wako anozivisa motori kurasikirwa zvachose . Wechenesa wako angasarudza kuti kuverenga kwako kwekukosha kwemotokari kwakarurama. Iyo inokubhadhara iwe $ 49,000 ($ 50,000 chikamu kuderedza $ 1 000 inotengwa).
Zvimwewo, wako insurer angasarudza kuti kukosha kwawakapa gori yako kwakanyanya. Mufambisi wako anoratidza kuti mari chaiyo yemari yako iri $ 35,000. Sezvo mari chaiyo yakakosha ($ 35,000) isingapfuuri nemiganhu yeinishuwarenzi ($ 50,000), wako inshuari anokubhadhara iwe $ 34,000 chete ($ 35,000 pasi pe $ 1,000 deductible).
Kusiyanisa Kubvumirana Kwakabvumirana
Sezvo nzira yekukoshesa pfuma, zvakataurwa zvakasiyana zvinokonzerwa zvikuru kubva kubvumirano yakabvumirana . Apo pfuma inokosha pamagariro anobvumirana, iwe nemubatsiri wako vanobvumirana pamusoro pekukosha kweimba apo chinyorwa chinotanga.
Kana iyo pfuma yakanganisa kana kuparadzwa, kurasikirwa kunogadziriswa zvichienderana nenhamba inobvumirana. Apo pfuma inotarirwa pamutengo wakatarwa yakashata, kurasikirwa kunogadziriswa zvichienderana nemari yakatarwa chete kana chikamu ichocho chiri pasi peiyo chaiyo chaiyo mari inokosha kukosha kana mari kana kugadzirisa iyo.
Inoshandiswa pakutsvaga zvinangwa
Murairo weInishuwarenzi yakanyorwa muState Value Endorsement inonyanya kushandiswa kuti zvienzaniswe . Kazhinji, zvikwereti zvinokonzerwa nekukuvara kwepanyama zvakagadziriswa pamota zvinotarirwa pamutengo wemotokari iyo yaive itsva. Pasi pemutengo Wakaendeswa Kwekubhadhara, purogiramu yacho panzvimbo yeiyo yakashandiswa pamwero wakatarwa (muganhu we inshuwarisi). Nhamba yakatarwa inogona kunge yakawanda kudarika zvinodhura zvitsva. Nokudaro, kubvumirwa kunogona kukuchengetedza mari pamishonga yepakuvadzwa yepanyama.
Kubatsirwa neInishuwarenzi
Vatsigiri vanofananidzira zvikwereti zviviri zvehuwandu hwehuwandu hwehuwandu hwemutemo. Imwe ndiyo inogona kugadziriswa pamarimamiro emigumisiro yenyama. Chechipiri kubatsirwa ndechokuti kubvumirwa kunoita kuti iwe uchengetedze motokari dzawakagadzirisa zvichienderana nekukosha kwavo kwechokwadi. Zvechokwadi, izvi zvinobatsira chete kana iwe wakayera kukosha kwemotokari yako zvakarurama.
Nhamba yakatarwa yekugoverwa inopa rubatsiro rukuru kune inshuwarisi. Kana iyo motokari inosanganisa kurasikirwa kwese inshuwarheni haisungirwi kubhadhara muganhu weinishuwarenzi (kukosha kwako kwechokwadi che motokari). Pane kudaro, iyo inshurensi inogona kubhadhara kutaridzika kwayo kwemotokari chaiyo mari inokosha.