The Motor Carrier Coverage Form inotsiva yekare ISO Truckers Coverage Form. Izvozvo hazvibatsiri sezvo zvichine mutauro usingaperi. Iko Truckers yakaumbwa yakagadzirwa panguva iyo hurumende yehurumende yakaisa zvakasimba kutonga kwevatori vemagetsi nemigwagwa.
Imhizimusi yekutakura yakagadziriswa muna 1980 nekudarika kweMotokari Carrier Act. Mazuva ano, makambani anotengesa zvigaro anogona kusarudza nzira dzavo pachavo uye kutaurirana mazinga nevatengi. Iyo Fomu yeMotokari yeMotokari inoratidza izvi kuchinja kwekutonga.
Ndiani Anozvida?
Fomu yeMotokari yeMotokari inofanira kutengwa nebhizimisi chero ripi zvaro rinotakura zvivako kuburikidza nemotokari uye haigoni kuwana chinyorwa chakakwana pasi peBusiness Auto Policy (BAP). BAP inogadzirirwa makambani anotakura zvinhu mumotokari dzavo. Muenzaniso ibhakwa rinoshandisa mabhazi ane mabhagiro kutakura zvinhu zvakabikwa kuzvitoro zvekutengesa. Nheyo yacho haina kukodzera kumakambani emotokari. Heino chikonzero nei:
- Uyo Anobhadharwa Chikamu cheBAP hachifukidze vadzidzisi vemotokari yakasungirwa kune anonzi inshuwarisi. Izvi zvinonetsa nekuti vazhinji vashandisi yemotokari vanoda vashandi vekambani kuti vatsigire vaduku (motokari yemotokari) pasi pekuchengetedzwa kwemotokari yevashandi .
- Kuparara kwepanyama muBAP hakushandisi kune vatengesi vane mumwe munhu kunze kweiyo inonzi anishuwarenzi. Izvi zvinogona kuunza matambudziko kana murairidzi wekodzero ane mhosva kune chero kukanganisa kunoitika kune yakarasikirwa kana kukwereta trailer.
- Pasi peBAP, inishuwarenzi yemhosva inonyanya kuitirwa voga chete iyo inonzi anishuwairi yega. Kana iyo policyholder inobhadhara kana kukwereta motokari, iyo motokari ichafukidzirwa nokuda kwezvakabatanidzwa pane zvakadzama.
Fomu yeMotokari yeMotokari inowanzoshandiswa kuisa mabhizimusi anotakura zvinhu achishandisa motokari dzomumwe munhu (kana kusanganiswa kwemotokari dzavo uye motokari dzisina yavo). Zvisinei, inogona kushandiswa nekambani chero ipi inokodzera semotokari yemotokari , sezvo izwi iri rinotsanangurwa mufananidzo:
munhu kana sangano rinopa hufambiso nemotokari mukufambira mberi kwebhizimisi rebhizimisi
Iyi tsanangudzo yakafara zvakakwana kuti iiswe nevatakuri vemotokari, vimbambisi nevatakuri. Chinhu chinowanzoshambadzirwa ikambani inotora zvinhu kune mumwe munhu anotengesa mari. Mushandi wekutengesa anotengesa zvinhu nokuda kwevatengi vakadaro maererano nemitemo inoburitswa muchibvumirano . Mumwe mutakuri anotakura zvinhu zvake pachake achishandisa motokari yake.
MCP Kusiyana neBAP
Iko Motor Carrier Coverage Form inobatanidzwa neMotori Carrier Declarations uye zvibvumirano zvakasiyana-siyana kugadzira Motor Carrier Policy (MCP). Munzira dzakawanda, MCP yakafanana zvikuru neBAP. Zvimwe kusiyana kukuru zvakataurwa pasi apa.
1. Covered Auto Symbols
Kufanana neBAP, MCP inoshandisa nhamba ye nhamba, inonzi yakavharwa motokari dzinoratidza zviratidzo , kuratidza rudzi rwemotokari "dzakaputirwa motokari" pasi pemutemo .
Zviratidzo zvinoshandiswa muFomu Car Carrier zvinotsanangurwa mu chati iri pasi apa. Aya haasi zviratidzo zvakafanana zvinoshandiswa muBAP.
| Symbol | Symbol Description |
| 61 | Chero Zvimwe Auto |
| 62 | Ane Autos oga |
| 63 | Waiva Nega Private Passenger Type Autos chete |
| 64 | Ane Chekushandisa Autos Autos Only (trucks, tractors and trailers) |
| 65 | Ane Autos Akazviisa pasi Pakava No-Fault (kana izvi zvichinyatsogadzwa nemutemo) |
| 66 | Ane Autos Akazvimirira Pasi pemutemo unosungirwa Uninsured Motorist Law |
| 67 | Kunyatsotsanangurwa Autos |
| 68 | Hondo Autos chete |
| 69 | Zvikwata mumatunhu ako Pasi pekunyorwa kweTrailer Exchange Exchange Agreement |
| 70 | Mapurisa ako muNzvimbo yeZvamwe Chero Pamwe Pasi Panyorwa Yakavhiringidza Mutengo Wemvumo |
| 71 | Kwete-Akapiwa Autos chete |
| 72 | Mobile Equipment Zvichienderana neMutemo Wemishonga Inishuwarenzi Chete |
Zviratidzo zvinoshandisa purogiramu yako zvinofanira kuratidzwa mumashoko ekuzivisa. Chiratidzo chinofanira kunyorwa pane imwe nhepfenyuro yawakatenga.
Semuenzaniso, chiratidzo 61 chinofanira kuonekwa pedyo nepamusoro pekuzvipira kwepamusoro kana iwe wakasarudza kuvhara chero motokari pamutoro. Chero motokari inosanganisira motokari yakabhadharwa , inotengeswa motokari, uye autos hadzina-autos . Saizvozvowo, chiratidzo 64 chinofanira kuonekwa pedyo neKupatsanurwa kwakakwana kana, iwe uchiti, wakasarudza kuvhara matori ose, matrekta nemakwaraji ako kambani yako pachake (asi kwete motokari dzevatakuri vari voga) dzeKutevedza.
2. Ndiani Anishuwarenzi
Munzvimbo dzakawanda, uyo ari An Insured chikamu chikamu che MCP chinofananidzwa nechikamu chinoenderana neBAP. Kufanana neBAP, MCP inosanganisira avo vanonzi bhizinesi chero ipi zvayo yakavharwa motokari. Inobatanidza chero chero munhu anoshandiswa pakubvumira paanenge achityaira motokari inonzi anishuwa yega, inobhadhara kana kukwereta. Kunyange zvakadaro, Fomu yeMotokari yeMotokari inosanganisira zvikamu zviviri zve insureds zvisiri pasi peBAP:
Trailer Muridzi
Muridzi kana ani zvake waunokwereta kana kukwereta trailer ndeye inshuwarheni kana trailer iyo inofanirwa kunge inovhara motokari pasi pemutambo wemotokari yako. Iyi yepati yechipupuriro apo trailer inowananidzwa kune rimwe simba (rori kana trekta) iyo yakavharwa motokari. Iyeyewo ane inshumo apo ngarava haisati yakabatanidzwa kune chigamba chemagetsi kana iri kushandiswa chete mubhizimisi rako.
Somuenzaniso, iwe unotora trailer kwemavhiki maviri kubva muToro-A-Trailer kuitira kuti uwedzere mutoro mukuru kune mutengi. MCP yako inoratidza chiratidzo 61 (chero motokari) mune kuzivisa. Izvo zvose terekta yako uye trailer yakakodzwa yakavharwa motokari. Iwe uri kutengesa terekta yako neaterenda yakakodzwa yakaiswa paunenge usingafungiri nemoto. Mutyairi wemotokari akakuvara pangozi, uye anotora Rent-A-Trailer nekuda kwekukuvara mumuviri . Sezvo muridzi wemotokari yakashandiswa, Rent-A-Trailer yakavharwa nokuda kwekudaidzwa pasi pe MCP yako.
Chidzidzo cheToriki kana Terekta
Uyewo yakafukidzwa pasi pe MCP munhu kana kuti kambani yawakabhadhara motokari (kunze kwetirailer) kuti ishandiswe mubhizinesi rako semutakuri wemotokari. Iyi bato ndeyekuchengetedzwa chero bedzi iye asina kuisa chibvumirano chisina maturo iwe. Izvi zvinoreva kuti muduku haasi iye akavhara chibvumirano chekutora chikwereti panzvimbo yako nekuda kwezviitiko zvinokonzerwa nekushandiswa kwemotokari yakarasikirwa. Mukuwedzera kune vaduku, chero mutyairi, vashandi kana mushandi wechidiki ari inshuwarisi.
Semuenzaniso, iwe unotora terekta kubva kuHarare-A-Truck kuti uishandise mubhizinesi rako rekutakura. Izvo zvikwereti zvinoda kuti udzikinise Rent-A-Truck chero ipi zvayo inopesana nayo iyo inomuka kunze kwekushandisa kwako terekta munguva yebhajiro. Kubhadhara hakuiti kuti urege kukuvadza nekuda kwemhosva dzinotangira kubva pakushandisa kwako terekta. Nokudaro, Imba-A-Truck ndiyo inshupisi pasi pehutano hwako munguva yehurumende.
3. Kupindira kweTrailer Coverage
Iyo MCP inosanganisira kubhadhara mari inonzi " trailer exchange exchange" . Izvozvo zvinosanganisira kukanganisa kwevatengesi muchengeti yechipupuriro iyo iyo inshuwarheni inotarisirwa pasi pesangano rekugoverana kwetrailer. Chibvumirano chekugoverana chetrailer chinokonzera mutoro kune mutongi (motokari inokwevera trailer) yekuvhiringidza kwemuviri kune taraira inoitika apo ngaravhiri iri mune mutongi.
Truckers inogona kudiwa kutengeserana kwetrailer kana iri kutakura zvinhu mumakorisi ane mumwe munhu. Vatori vemotokari vakawanda vanokwidza zvikwata zvevamwe vatori vemotokari kuitira kuti zvive nyore kutakura zvinhu.
Semuenzaniso, Sue (mutengesi) anoshandisa terekta-trailer raanayo kuti atore zvinhu kubva kuna Williams, musha wekumba kwake, kuHowville. Sue inoda kupedza mazuva maviri muHowvilleville kuti apinde kune dzimwe nyaya dzebhizimisi. Nokudaro, Tsvaga zviratidzo zvekutsinhanisa trailer naBill, mumwe mutengesi. Bill anobvumirana kuendesa zvinhu kune imwe nzvimbo yekupedzisira kuPleasantown. Chibvumirano chinoita kuti Bill ave nemhosva yekukuvara kwemuviri kunowanikwa kune trailer panguva iyo iri muBill.
Sangano rekushandura kwetrailer rinowanzodikanwa kuti mutengesi wevatengesi vatengese inshuwarisi yekubatanidza trailer. Inishuwarenzi inobatanidza zvikwereti iyo inshuti inobvumirwa zviri pamutemo kubhadhara semhirizhonga nekuda kwekurasikirwa ne trailer iyo inshuwarisi haina. Zvitatu zvinoshandiswa zviripo pasi pekutengeserana kwetrailer:
- Zvose zvinoparadza: Kuvhara dambudziko remharaunda nechikonzero chero chipi zvacho kunze kwekupesana nechinhu chimwe kana kuparara kwetrailer
- Zvinonyanya Kukonzera Maitiro Okurasikirwa: Inoparadza kukonzera karaira nemoto, mheni kana imwe njodzi inoratidzwa mufomu
- Kurwisana: Kunogadzirisa kukanganisa karaira kuburikidza nekupikisana kwayo nechimwe chinhu kana kuputika kwayo
Trailer interchange inshuwarisi inosanganisira Supplementary Payments (kudzivirirwa kwekudzivirira). Inosanganisa kukanganisa kunokonzerwa nenjodzi yenyukireya, hondo, kupisa, kupinza pcctures, uye dzimwe dzakawanda dzakaoma. Inosanganisirawo kurasikirwa kwekushandisa.
4. Kunyanya Kuwedzera kana Kuwedzera Kupindira Kusarudzwa neContract
Sezvambotaurwa kare, vatori vemotokari vanowanzoshandisa motokari dzomumwe munhu. Vanogona kukwereta kana kubhadhara motos kune vamwe vatori vemotokari. Pasi pe MCP, motokari dzakabhadharwa kana kukweretwa kune kana kune imwe mutengesi dzinogona kuvharwa pamusana pekutanga kana kupfuura. Kunyangwe kugoverwa kunokosha kana kuti kudarika kunobva pane imwe sangano inokonzera kukanganisa kumotokari. Imwe nyanzvi ye inshuwarisi mubumbiro inotsanangura kuti kuparidzirwa kunoshanda sei. Pano pane zvikamu zvakakosha pamusoro pekubhadhara kana kubhadhara motokari:
- Autos Yakabudiswa kana Kukweretwa Kubva Kwauri: Kuvharirwa kwepabonde kunonyanya kana iwe (vaduku) uchikwanisa kuvharirwa pasi pekubata chibvumirano chisina maturo chezviitiko zvinobva mukushandiswa kwemotokari. Nhamba yakawanda inodarika kana iwe usati wasayina chibvumirano chisina maturo.
- Autos Iwe Uchitsvaga kana Kukwereta Kubva Kune Imwe Motokari Inotakura: Kuvharira kunonyanya kana muduku asina kutora chikwereti pasi pechibvumirano chisina maturo chezviitiko zvinobva mukushandiswa kwemotokari. Kana akadaro akasaina chibvumirano chakadaro, kugoverwa kwakawandisa.
- Makororo: Kana pasina chibvumirano chiti pane imwe nzvimbo, ngoro inosungirirwa kune rimwe simba (terekta) yakafukidzwa pane imwechete (inotanga kana kupfuura) semasimba masimba, kana simba rekuti rivhare motokari. Kana simba racho risati ravhara motokari, ipapo trailer yakavharwa pane zvakadzama.
- Kutengesa kweTrailer Coverage: Inoshandiswa pamusimboti wekutanga
- Izvo Zvine Versus Zvisingaiti: Kana pasina kontrakiti inotaura zvimwe, iyo inotengeswa motokari inowanikwa pane imwe nheyo. Autos iwe hausi wega yakafukidzwa pane zvakadzama.