Maitiro Avanoita
Kushanda kwevashandi vashoma kunotsvaga kwakafanana nechekudzikinurwa inoshandiswa mune zvekutengesa pfuma uye auto motokari inokuvadza . Iyo deductible inomiririra chikamu chekurasikirwa kwese iwe (iwe (policyholder) unobhadhara muhomwe. Semuenzaniso, fungidzira kuti vashandi vako vanobhadhara mari inosvika $ 1 000 muzvokurapa chete.
Kana kubhadhara kunokonzera $ 5,000 mune zvekurapa mari, chikamu chako che kurasikirwa chichava $ 1 000. Muchengeti wako wemari inobhadhara mari inosvika $ 4,000.
Pasi purogiramu shoma duku, iwe unotora chikamu chega rega kurasikirwa mukutsinhanisa nekuderedza muhomwe yako. A deductible inowanzoshandiswa kune imwe neimwe kudai. Zvichienderana nedzimwe nyika, zvinogona kushanda kumari yekurapa bedzi kana kune zvose zvechiremba uye zvipo (kuremara) mari. Dzimwe hurumende dzinokubvumira kuti uise kusarasikirwa kugadziriswa mari pamwe chete.
Chinhu chiduku chinokonzerwa hachibatsiri kutora kushandiswa kwekuita. Muchengeti wako wekuchengetedza unogadzirisa zvinotaurwa nenzira yako. Inotsvaga kukuvara kana kurwara nekubhadhara vanotengesa kurapwa. Inobhadhara zvipo zvekuremara kune vashandi vakakodzera. Kana chibvumirano chakavharidzirwa chinosanganisira kutongwa, muishuwarenzi anobhadhara mari yekuchengetedza uye zvinokonzerwa nemushandi. Iyo inshurensi inokubhadhara iwe nokuda kwechikamu chekudzikinurwa chekutsvaga.
Eligibility
Mune dzimwe nyika, vashandi vanobhadhara vashandi vanofanirwa kupa chirongwa chiduku chekubhadhara kune vashandi vose.
Mune dzimwe nyika, bhizimisi vanobvumirwa, asi hazvidikanwi, kuti vape re deductible. Mune dzimwezve nyika, vambisi vezvekuchengetedza vanofanira kupa zvigadziriswa chete kana murairidzi anokumbira imwe.
Zvirongwa zviduku zviduku zvinogona kunge zvakakodzera kugadziriswa. Semuenzaniso, mutemo wehurumende unogona kutora purogiramu yegore negore, yakadai se $ 5,000.
Zvimwe zvematongerwo enyika zvinoda kuti mutungamiri wehurumende ape ruzivo rwekuchengeteka, sekunge tsamba isingashanduki yechikwereti. Mune dzimwe nheyo, vatsigiri vanogona kutora kugona zvichienderana nemitemo yavo yekunyora pasi.
Munyika dzakawanda dzinodzingwa dzinobvumirwa chete pamitemo yakanyorwa mubasa rekuzvidira. Zvisinei, vamwe vanotiwo vanobvumira kuderedza zviduku pamitemo yakanyorwa kuburikidza nehurongwa hwehupfumi hwakapiwa .
Kukura kweDeductible
Chii chinoreva "zviduku" zvakabviswa zvinosiyana kubva kune imwe nyika kuenda kune imwe nyika. Zvinogona kuva zviduku se $ 100 kana zvakakura se $ 75,000. Kazhinji, zvishoma zvishoma zvinokonzerwa kubva kune $ 500 kusvika ku $ 5,000. Mamwe mazita anotaura mamwe maitiro, akadai $ 500 kusvika $ 2 500 pamadhora mazana mashanu. Mune dzimwe nyika, bhizimisi vanogona kupa mamwe maitiro (akadai $ 7,500 deductible) kana vakagamuchira kubvumidzwa kubva kuhurumende yehurumende.
Vakawanda vanoti nyika inopa zvirongwa zvakawanda zvekudzikinura. A deductible yakakura rudzi rwehu-inshuwarisi . Zvirongwa zvakakosha zvezvikwereti zvine zvakasiyana siyana pane zviduku zvadzo zviduku. Zvirongwa zvakakosha zvezvikwereti zvinotarisirwa kune vashandirwi vakuru vane mari yekubhadhara chikamu chikuru che kurasikirwa kunze kwehomwe. A deductible yakawanda inowanikwa $ 100,000 kana kupfuura.
Premium Credit
Kubviswa kwaunogamuchira nokuda kwekudukurwa kunokonzerwa zvikuru pane zvinhu zviviri.
Yokutanga ndiyo iyo yakasarudzwa iwe unosarudza. A $ 2,500 deductible ichakupa chikwereti chakakura kudarika $ 500 inobviswa.
Chinhu chechipiri ndicho rudzi rwebhizimisi raunoshandisa. Mune vashandi inshuwalense yevashandi, vashandirwi vanopiwa imwechete kana yakawanda. Chikamu chimwe nechimwe chine chinyorwa chinokwana mana. Pasi pemazano akawanda maduku anokonzerwa, vashandirwi vanopatsanurwa kuva mapoka ehutano zvichienderana nehuwandu hwemashoko avo. Kuderedza-dambudziko kunotsvaga kunogamuchira chikwereti chikuru kudarika zvakanyanya-ngozi. Semuenzaniso, vashandi vehofisi vehofisi (aine hazard class) vachawana chikwereti chakakura kudarika miti inowedzera (inzvimbo yakanyanya dambudziko). Kirasi yekirasi yakagoverwa boka rekukuvadza ndiyo inowanzotarisa maitiro ekutonga (mararamiro anonyatsotsanangura bhizinesi rako).
Experience Rating
States inopesana nenzira iyo yavanoverenga chiitiko chechigadzirisheni chevashandi muzvigadziro zvekutsvaga.
Mune dzimwe nyika, yose yekurasikirwa mari, kusanganisira chikamu chekudzikinurwa, inosanganiswa pakuziva . Mamwe magwaro haasanganisi mari yakabviswa. Kana zvikwereti zvaunenge uita mukati me deductible hazvibatanidzi muhuwandu hwezvakaitika, ruzivo rwechigadziro chako ruchanyanya kuva rwakaderera pane zvingave pasina kukodha.
Kubhadhara kwaDeductible
Pamusoro pekurasikirwa kwako iwe incur, iwe unofanirwa kubhadhara yako inshuwarisi yehuwandu hwehurukuro. Munyika dzakawanda, kukundikana kubhadhara chikwereti ichocho chinoshandiswa kunorapwa nenzira imwechete sekukundikana kubhadhara premium. Izvi zvinoreva kuti iyo inshurensi inogona kubvisa hurongwa hwako hwekusabhadhara chero bedzi iyo inokupa iwe chiverengero chemazuva chinotarisirwa nemutemo.