Ndeipi Hired Auto?
Nzira dzakawanda dzekutengeserana kwemotokari dzine zvinyorwa zvakafanana zvekubhadhara motokari inowanikwa mu- ISO yemitemo yemitemo.
Iri izwi rinotsanangurwa sevhisi chero ipi zvayo yaunotengesa, kubhadhara, kubhadhara kana kukwereta. "Iwe" zvinoreva uyo anonzi insured . Nokudaro, motokari inofanirwa semotokari yakashandiswa chete kana yakabhadharwa, yakabhadharwa, yakakodzwa kana yakweretwa nemunhu kana sangano rakanyorwa mumashoko ekuzivisa. Imotokari yakabhadharwa, yakabhadharwa kana yakweretwa nemumwe munhu kunze kweiyo inonzi anishuwarenzi haisi yemotokari yakashandiswa.
Tsanangudzo yekubhadhara motokari haisanganisi chero motokari yaunotengesa, kubhadhara, kubhadhara kana kukwereta kubva kune umwe wevashandi vako. Inosanganisirawo motokari dzaunotengesa, kubhadhara, kukwereta kana kukwereta kubva kune umwe wevamwe vako (kana iwe uri kubatana), nhengo (kana iwe uri wekambani ine chikwereti) kana nhengo dzemhuri dzavo.
Hired Autos Versus Non-Owned Autos
Autos iwe hausi wega isingakodzeri semotokari yakabhadharwa inofungidzirwa seasina autos . Izvi zvinosanganisira autos iwe wairenda kana kubhadhara kubva kune vashandi vako, vashandi kana nhengo.
Semuenzaniso, fungidzira kuti yako yakasimba inoronga kupinda muchikwata chekutengesa pane imwe imba yekokorodzano iri maira gumi kubva kuhofisi yako.
Muzviitiko zvose zvemazuva matatu, iwe uchada kutakura vashandi nevashandi kumashure nepakati pehofisi yako uye gungano. Tom, mushandi wako, akapa kupa rubatsiro nechinetso chekutakura nekukugadzirira iwe motori iye ane. Iwe unosarudza kubvarura gori raTom kubva kwaari kwemazuva matatu paanenge ye $ 75 pazuva.
Tori yaTom haina kukodzera semotokari yakashandiswa. Tsanangudzo yekubhadhara motokari inonyanya kusanganisira chero motokari yaunodhara, kubhadhara kana kukwereta kubva kune mushandi. Tori yaTom inofungidzirwa kuti haina motokari yemotokari.
Nguva Yenguva Pfupi Kupfuura Kubhadhara Kwemakore Akareba
Ngatiti iwe unodzinga motokari kuti uishandise mubhizinesi rako. Imotokari inokodzera sebhazi rairipirwa here? Mhinduro yacho inobva pane nguva yekubhajisa.
ISO's Commercial Lines Auto Manual ine mitemo yekutarisa leased autos. Inosiyanisa pakati pemotokari yakakodzwa nguva pfupi uye iyo yakashandiswa kana yakarasirwa kwenguva refu. Motokari yakakodzwa, yakashandiswa kana yakarasikirwa kwemwedzi inopfuura mitanhatu inobatwa semotokari yakashandiswa. Autos yakagadzirirwa kwemwedzi mitanhatu kana kupfuura yakafukidzwa nenzira imwechete neyo autos yaunayo.
Zvinosuruvarisa, mutemo wekutengeserana wekutengeserana wekutengeserana hauiti nezvekutaura pamusoro pemitemo yeIO inoshandiswa pfupi uye kwenguva refu. Tsanangudzo yekubhadhara motokari haina kureva imwe nguva iyo motokari inogona kubhadharwa kana kukodzwa. Asi, mitemo ichiri kushanda. Nokudaro, izwi rakapihwa motokari rinotarisirwa kureva motokari dzaunoshandira, kubhadhara, kukwereta kana kubhadhara kwenguva pfupi.
Kufanana nemabhizinesi mazhinji, yako yakasimba inogona kukodha motokari pasi pevimbiso dzenguva refu dzinowedzera kwemwedzi mitanhatu, gore kana kupfuura.
Iyi motokari inofanira kunyoreswa muheteti yemotokari inowanikwa mumagumo ako ekuzivisa zvikamu. Iko inoratidzirwa nokuda kwekutengesa motokari uye kukuvara kwepanyama kuvharidzirwa nenzira imwecheteyo sokunge dai yaiva motokari dzaunayo. Paunotora motokari kwenguva yakareba, muduku (muridzi wemotokari yakashandiswa) angada kuti iwe umutsikidze pasi pemutemo wako sezvose kurasikirwa payee uyezve imwe inshuwarisi . Kugutsikana kunowanikwa nekuda kwechinangwa ichi.
Rating of Hired Autos
Kuchengetedza motokari kunogona kuva inshuvha nokuda kwekuita uye / kana kukuvadzwa kwekugadzirisa. Iyo mihoro yezvikwereti izvi zvinowanzorongwa maererano nemari yekubhadhara (mari yekambani yekubhadhara). Ipapaimari inoratidzirwa nekuparadzanisa mari yekubhadhara motokari ne100, uyezve kuwedzera chigumisiro nechiyero.