Muenzaniso
Steve anobata sevatengesi ve Savvy Solutions, mushanduri wepurogiramu. Steve anotora nguva yakawanda yebasa rake mumugwagwa, saka mushandi wake akamupa motokari yemakambani. Steve anoendesa motokari yake yekambani, Toyota Toyota, kumba pamagumo ezuva rimwe nerimwe rebasa.
Savvy Solutions ine hurongwa hwakanyorwa pamusoro pekushandiswa kwekambani yemotokari. Vashandi vanopa kambani yemotokari vanogona kushandisa ma autos panguva dzisingashandisi basa, kusanganisira kumavhiki ekupedzisira. Zvisinei, vashandi havagoni kubvumira chero ani zvake (kusanganisira nhengo dzemhuri) kuti atakure motokari. Yese yemotokari yaSavvy inoshushikana nekutengeserana kwezvokutengeserana uye kukuvara kwepanyama pasi pesangano rebhaibheri rega rega auto . Zviratidzo zvemotokari dzakaputirwa pamutemo ndeyechiratidzo 1 ( chero motokari ) yekutarisirwa kubhadhara, uye chiratidzo 2 (ine autos autos) yezvakazara uye zvakapesana.
Mudzimai waSteve, Marsha, ane zviya zveChristo zvinonyorwa muzita rake chete. Icho chinotarisirwa pasi pehurumende yega auto inotarisa Marita naSteve sevakatumidzwa kuti insureds .
Mwana uyu ane makore 17, Jeff, munguva pfupi yapfuura akawana reisensi yekufambisa. Jeff akafukidzirwa semutyairi wehutsiki pasi pemitemo yaamai vake. Steve akaudza mwanakomana wake weSvvy Solutions Solutions mitsara yekushandiswa kwemotokari. Akarambidza Jeff kuti adzinge Prius mune chero mamiriro ezvinhu.
Rimwe Mugovera mangwanani, Jeff anobvunza amai vake kuti vabvumire kutyaira Honda.
Marsha declines, achitaura kuti anoda motokari yake kuti ienderere mberi. Jeff ari kuda kupopotedzana paanoisa kiyi kune Prius patafura yekicheni. Anokwereta motokari yababa vake agoidzorera iyo munhu asati aona kuti yaenda. Anobata kiyi apo amai vake vasingatarisi uye vanobuda kunze kwemukova.
Kwapera awa, Jeff akafigira baba vake foni. Akanga aine njodzi ne Prius! Akange ari munzira yake kuenda kumhenderekedzo kuti asangane neshamwari apo paakarasikirwa nechiratidzo chekumira, achiwedzera imwe motokari. Vose motokari zvakashata zvakanyanya. Jeff haatomboregi asi Sarah, mutyairi wemamwe motokari, akatsigira zvakakuvara. Steve anoonga kuti mwanakomana wake akanaka, asi ane hanya nezvekukuvadzwa kwaSara uye mhosva yake isingagoni kudzivirirwa pamusoro peJeff. Sarah angangodaro achitsvaga mubhadharo wekukuvara kwemuviri uye kukanganisa kwepfuma. Ko kutongwa pamusoro peJeff kunoputirwa pasi peSvvy Solutions 'bhizinesi yemagetsi? Kana zvisingaiti, zvingave zvakafukidzwa pasi pemutemo waMarsha here?
Commercial Auto Policy
Nokuda kwemhosva yemotokari yekufukidzirwa pasi pekutengeserana kwehurumende yemitemo maitiro anotevera anofanira kugutsikana:
- Imotokari inokonzera njodzi inofanira kunge yakavharwa motokari.
- Mutyairi wemotokari anofanirwa kunge akafanirwa kuva inshuwarisi.
- Iyi njodzi inofanira kuitika munguva yemitemo uye munharaunda inoparidzirwa .
Muchiitiko chataurwa pamusoro apa, Savvy Solutions 'motokari yemitemo inoratidza chiratidzo 1 (chero motokari) yekutaridzirwa kwemhosva. Ichi chiratidzo chinosanganisira autos, saka Prius (iyo inowanikwa ne Savvy) inovhara motokari. Tichafungidzira kuti mamiriro ezvinhu # 3 akagutsikana. Asi zvakadini nemamiriro ezvinhu # 2? Iko Jeff ane inshumo pasi peSunvy's insurance policy here? Mhinduro yacho inogona kuva kwete.
Kutengeserana kwezvokuchengetedzwa kwezvakabatanidzwa kunoshandiswa kune anonzi anishuwarenzi (munyaya ino, Savvy Solutions) chero ipi zvayo yakavharwa motokari. Inoshandawo kune chero munhu anotyaira motokari iwe iwe (uyo anonzi anishuwarenzi) iwe pachako kana kuti akashandisa kana ane mvumo yako yekushandisa motokari yacho. Vanhu vanotyaira motokari nemvumo yenyu vanonzi vashandi vanobvumidza.
Ko Jeff akanga ane mvumo yekufambisa Prius here? Savvy's auto insurer anogona kutaura kuti haana. Jeff ainyatsoziva Savvy's Solutions 'shandisi yekushandisa motokari.
Baba vaJeff vakanga vamuudza zvakananga kuti asashandise motokari. (Vamwe vangafunga kuti Steve akapa mwanakomana wake chibvumirano chekushandisa motokari paakasiya zvigetsi zvemotokari munzvimbo inowanikwa nyore nyore, asi izvi zvingave zvisingabviri.)
Personal Auto Policy
Kutaura pamusoro paJeff naSara kunofanira kuvharwa pasi peMarsha's self policy policy here? Zvakare, mhinduro yacho inogona kuva kwete. Mazhinji emitemo yega auto inosanganisa kugoverwa kwemotokari chero ipi zvayo yakagadzirirwa kana inowanika kuitira kushandiswa nguva dzose kweainzi anishuwarenzi kana kuti nhengo yemhuri yake. Prius yakagadzirirwa Steve kushandisa nguva dzose. Sezvo Steve ari nhengo yemhuri yeMarsha, kubviswa kwacho kwaizoshanda.
Mitemo yakawanda yega yega inosanganisira kushandiswa kwemotokari nemunhu akachengetwa asi asina chikonzero chakanaka chokuti iye ane kodzero yekuishandisa. Jeff akabata Prius kunyange zvazvo baba vake vakanga vadzivisa kuityaira.
Kunyange zvazvo Jeff ari inshupiti pasi pemirairo yaamai vake pachake, motokari yaaidyaira panguva yechipatara yakanga isiri yemota. Kana Jeff achitsvaga kuvharwa kwaSara pasi peMarsha yemotokari yemutemo, motokari yemotokari inogona kuramba kuparidzirwa.
Kuti udzivise gwaro iri, Mark anogona kumubvunza motokari yemugovera kuti awedzere kuwedzera kwekunyoreswa kwekodzero kushandiswa kwehutano hwake. Chero bedzi Jeff ari kuverengwa mumubvumirano , anofanirwa kunge akafanirwa nehutsigiti paanenge achityaira kambani yababa vake motokari. Izvi zvinogadzirisa chikwereti chemotokari uye mari yekurapa chete. Iyo haifaniri kuvhara muviri kwenyama isiri iyo.