Muenzaniso
Bheti pachake Mutumbi Wakanaka, inozivikanwa nekanakisa salon uye spa. Beth anobata bhizinesi rake kunze kwehofisi sezvo iye anokodha kubva kuUnited Properties, muridzi weimba.
Kubhadhara kweBheti ikozvino kunopera mumazuva makumi matanhatu, uye mwene weimba yake amutumira imwe itsva kuti isayine.
Kungofanana neBet yazvino, chibvumirano chitsva chine chibvumirano chekubhadhara uye chido chekutenga inshuwarisi. Chibvumirano chekubhadhara chinoreva kuti Mutumbi Wakaisvonaka ane mhosva yezvimhosva zvinopesana ne Premier Premierties iyo inokonzerwa nekusaremekedza kwe spa. Iyo inishuwarenzi inoda kuti Mutumbi Wakanaka uwane mutemo mukuru wezvakawanda unosanganisira chibvumirano chekodzero yekuvhara . Mutemo unofanirwa kuvhara Premier Properties semuwedzerwa inshumo kune zvikwereti zvemazuva matatu zvinobuda kunze kwekushandiswa kwaBet kwehofisi. Uyezve, kubhadhara mari inotarisirwa Bheti inofanirwa kunge inofanirwa uye isingaiti.
Bheti rakasimbiswa. Chibvumirano chake chiripo hachidi kuti kuparidzirwa kwepabonde kuve kwekutanga uye kusingabatsiri. Izvi zvinorevei?
Mhiko Coverage is Primary
Zvinenge zvese mitemo inosungirirwa ine gwaro rinotsanangura kuti rinopa ruzivo rwekutanga.
Icho chikonzero, mutemo wekutonga unopa ruzivo rwekutanga pakutevedzana kwemhosva kana kuti sutu .
Kunyange zvazvo mutemo unowanzova wekutanga, unopa huwandu hwakawanda hwekutsvaga kwemamwe marudzi ezvokutaura. Izvi ndezvokuti zvinonyanya kuvharwa nemamwe inshurensi iripo. Semuenzaniso, mutemo wemhosva unobata mhaka pamusoro pako iyo inokonzerwa nemoto unokanganisa kune zvivako iwe unotengesa .
Kana iwe ukanganisa kupisa moto muchivako iwe unoshanyira, uye mwene weimba yako anokukumbira iwe kukanganisa, mutemo wako wemhosva unofanira kuvhara kudai. Zvisinei, kana wakatenga inshuwarisi yemoto panzvimbo yeimba yako, iyo inshuwarisi inoshanda pakutanga. Mutemo wako wemhosva unoshanda sechipiri chekuvhara.
Primary and Non Contributory
Mumuenzaniso wekare, Premier Properties inoda kuparidzirwa kwepamusoro pasi pehutano hwepa spa kunze kwekuti mutemo wacho uchitova wekutanga. Sei? Mutungamiriri wekutanga ane hanya nehupfumi hwake.
Mutungamiriri wehurumende akatenga mutemo wekuzvidzivirira kuzvidzivirira pachavo kune zvikwereti zvinokonzerwa nokuregererwa kwavanoita munguva yebhizimisi yehupfumi hwavo. Mutungamiriri wehurumende haadi kuti mitemo yake inogadziriswa kushandiswa kubhadhara zvikwereti zvinokonzerwa nekuregererwa kunoitwa neMuviri Wakanaka. Mutungamiriri wehurumende anoda kuve nechokwadi chokuti kana yakasungirirwa nekuda kwengozi inokonzerwa nekusaremekedzwa kwe spa, mutemo wepa spa unofunga kudai. Gurukota rinodawo kuve nechokwadi kuti hurongwa hwavo hahuzobhadhara chikamu chekurasikirwa.
Mutauro wekutanga uye usingaverengi mutestamende yakagadzirirwa kuchengetedza chikwereti cheMutungamiriri. Icho chinovimbisa kuti kana chikwata chichiendeswa kune Mutevedzeri chinoguma kubva mukusaremekedza kwe spa:
- kudai kuchabhadharwa nehutano hwepa spa; and
- iyo spa insurer haingabvunzi chikwereti chekuchengetedza chikwereti kuti ipe rubatsiro pakubhadhara kurasikirwa
Primary and Noncontributory Endorsement
Chimiro chekuita mitemo haisashandisi izwi risina unyanzvi . Nokudaro, apo kambani inotaura kuti kuparidzirwa kwekodzero kunofanirwa kuva yekutanga uye kusingabatsiri, kubvumirwa kwePamusoro uye kusingabatsiri kunofanira kuwedzerwa kumutemo.
Kubvumirana kunoshandisa zvinangwa zviviri. Kutanga, inogonesa kuti kubhadhara mari inowanikwa kune vakawedzerwa inshuwarisi inotanga. Izvi zvinoreva, kana kubvunzwa kunoitika kunofukidzirwa nemamwe mabhizimisi anotsigirwa, iyo inshurensi ichabhadhara kurasikirwa pasina kumirira kune imwe inshuwarisi ye inshurensi yekubhadhara.
Chechipiri, kubvumirana kunosimbisa kuti muchengeti wepurisa haazotsvaki rubatsiro kubva kune imwe inshuwarisi inowanikwa kune yakawedzerwa inshuwarisi.
Mune mamwe mazwi, kana kurasikirwa kwakafukidzwa nemamwe mabhizimisi anotsigirwa, mubatsiri wechipatimendi haazobvunzizve mari yezve inshurensi yekubhadhara chikwereti chero chipi zvacho.
Iyo Inoshanda Sei
Muenzaniso unotevera unoratidzira kuti kubvumirwa kwekutanga uye kusingabatsiri kunodzivirira chii chakawedzerwa inshuwarisi uye iyo inshuwarisi.
Jane ndiye mutengi wemuviri wakanaka. Rimwe zuva, Jane ari kushanyira spa iyo paanenge achifamba pane chimwe chikamu chekusunungura carpeting kunze kwemukova we spa. Jane anowa ndokuvhuna chiuno chake. Jane anozviti Muviri Wakanaka uye Mutongi Mukuru wekukuvara kwemuviri , achitaura kuti vose vakanga vasina hanya. Sutu yake inopikisa kuti vashandi vepa spa vaive vachiziva nezvekuvhara kwekateti kwemwedzi, asi havana kuita chinhu kuti vabvise dambudziko racho. Sutu yacho inotaurawo kuti Premier Properties yaiva nebasa rekuchengetedza chikwata asi rakakundikana kuita kudaro.
Premier Properties yakarongerwa semuwedzerwa inshumo mune kubvumirana kwakabatanidzwa nepurogiramu yeChito Chakanaka. Kuvimbiswa kunosanganisira mutoro weHurumende yehuyo, kuchengetedza kana kushandiswa kwechikamu chechivako chakakodzwa kuChate Beautiful. Sangano rekuchengetedzeka kwe spa rinosanganisira kubvumirwa kwekutanga uye kusingabatsiri .
Bheti anotumira mhosva kumutoro we inshurensi. Sutu yacho yakagadzirirwa $ 20,000. Iyo inshuwarisi inokwereta $ 10 000 panzvimbo ye spa uye $ 10 000 panzvimbo yePresident Properties. Kana bhizimisi reBheti rakabhadhara mari yacho, haigoni kuedza kubvisa chikwereti chayo chekurasikirwa nekutarisana nemuridzi weimba kana chikwereti chekuchengetedza. Bhishopi yeBhete yakabvumirana kuburikidza nekubvumirana kuti haingatsvaki rubatsiro kubva kune imwe yveshuwarisi inowanika ku Premier Premierties.