Izvi ndizvo zvakanyanya kuitika:
Heano zvimwe zvipfeko zvekubhadhara motokari zvinowanzobatanidzwa pakuwedzera zvibvumirano.
Zvinyorwa zvinozivikanwa kana zvigadzirwa zvakagadzirirwa
Kusiyana nehuwandu hwehutano hwemhosva huripo , ISO bhizinesi yemotokari yemitemo haipei kugoverwa kwekutsvaga kwezvinhu zvitsva zvakagadzirwa kana kuti zvakasikwa . Nokudaro, vamwe vatsigiri vanobatanidza kugoverana kwezvibvumirano zvavo. Inowanzoshanda kune imwe kambani yaunowana kana fomu mushure mekunge mutemo wakatanga zuva. Inhengo itsva inofanira kunge yakawanda-inowanikwa nekambani yakanyorwa pamutemo wako (anonzi anishuwarenzi). Kwete kugoverwa kwekutsvaga kunowanikwa kune hutano hutsva, masangano akabatana kana makambani asina kukwana.
Masangano matsva anowanzoputirwa kwenguva yakatarwa, yakadai se 90 kana 120 mazuva. Kuti kugoverwa kuwedzere mushure mekunge nguva iyoyo yapera, unofanira kubvunza wako inshurensi kuti uwedzere kambani itsva kumutemo wako. Unofanirwa kubhadhara mubayiro wechipiri unotengeswa neunishuwarenzi yako.
Vashandi seIncureds
Kuparidzirwa kunonzi Vashandi seIncureds inogadzirisa chikamu che "Ndiani An Insured" chikamu chekutengesa motokari yemutemo. Inobatanidza vashandi vako pavanenge vari kutyaira motokari dzisina autos , kusanganisira motokari dzavari ivo pachavo. Mukusina kwekugoverwa uku, vashandi vese vanoisa insureds chete pavanenge vachityaira motokari yako inoshandisa kana inobhadhara.
Cherechedza kuti Vashandi seIndureds kugoverwa kunoshanda pamusana pezvakawanda (pamusoro peimwe inshuwarisi inoshandiswa). Izvi zvinoreva kuti kana mushandi ari kuvhara motokari yake yebhizimisi mune zvebhizimisi inobatanidzwa munjodzi uye inopomerwa semugumisiro, mushandi achave akafukidzirwa nehuwandu hwemotokari yemagetsi mushure mekushandiswa kwebasa kwevashandi.
Vashandi Vanotsvaga Motokari
Pasi pemutemo wekutengeserana motokari yemabhizimisi, vashandi ndivo insureds kuti vawane mari yekuvhara basa pavanenge vachifambisa vakavhara motokari dzinobhadharwa kana kuti vakashandiswa nemunhu anonzi inshurenzi (mushandi). Vashandi havasi insureds pavanenge vachityaira motokari vakabhadhara muzita ravo, kunyange kana autos inoshandiswa panzvimbo yebhizimisi rako.
Apo iyo inotumidzwa kuti Employee Hired Autos inowedzerwa pamutemo wenyu, vashandi vanowanzovharwa pavanotyaira motokari dzinotora ivo vakashandira muzita ravo. Izvi zvinoshandiswa chero bedzi ivo vari kushandisa motokari yezvinangwa zvebhizimisi uye nemvumo yako.
Shamwari Employate Coverage
Ichi chinyorwa chinobvisa waaishanda pamwe chete kubviswa mumutemo. Iyo inopa kugoverwa kwechikwata chekukuvadza pamuviri nemumwe mushandi kune mumwe. Izvi zvinogona kuve zvakakosha kana iwe nyika inobvumira vashandi kuti vasunge vamwe vashandi nokuda kwekukuvadzwa kunotsigirwa pabasa.
Heano zvimwe zvikwata izvo zvinowanzogoverwa pasi pechiratidzo chekugadzirisa kwehuviri .
Air Bag Coverage
Kuzvigadzirisa kwemuviri kuora kwekugadzirisa kune chekuregererwa kwekupfeka uye kubvarura, kupisa, uye magetsi kana kuparara kwemagetsi. Nokuda kwekuregererwa uku, wako insurer haazobhadhara nokuda kwekuvhiringidzwa kwemotokari yakavharidzirwa inokonzerwa nemhepo inoshandiswa pangozi. Kuvharidza airbag kunopiwa nekuwedzera chimwe chinhu kune magetsi kana magetsi kuputsa chikamu chekuregererwa. Izvi zvingave zvakanyanyisa kupfuura chero ipi zvayo imwe yekusungirwa inshuwarisi kana waranti iwe unogona kuva nayo.
Auto Rental / Loan Gap Coverage
Kuvhara motokari kuvharana kwevheji kunoshandiswa kana motokari yaunotengesa kwenguva refu yakatsigira kurasikirwa kwese, uye chikwereti chaunokwereta pachikwereti chinodarika mari chaiyo yepamusoro yemotokari. Semuenzaniso, iwe unokwereta $ 15,000 pakubhadhara kwako, asi motokari chaiyo yeko mari yakatarwa yakaongororwa pa $ 10 000 chete.
Kubhadhara mari yako yepamberi kuchabhadhara mari inosvika $ 5,000. Hapana kugoverwa kunoshandiswa pamitengo inogadziriswa nevaduku kushandiswa kwakanyanya, mileage yakakwirira kana kusapfeka kusina kuchena. Chikwereti chekubhadhara chikwereti chakafanana nemotokari yemotokari yekuvhara mari kunze kwekuti inoshandiswa kune chikwereti chikuru chemari.
Waiver yeDeductible pa Glass Breakage
Chips kana kuputika mumotokari yemhepo zvinogona kugadziriswa. Mari yekugadzirisa girazi inogona kunge isina kunyanya kudarika mutengo wefiriji itsva. Nokudaro, vamwe vashandi vezvekuchengetedza vacharamba vachikwaniswa kubhadharwa pane zvakakwana kana kupikisana (chero ipi zvayo inoshandiswa), apo girasi rakaputsika rinogadziriswa panzvimbo yekubviswa.
Kuchenesa Auto Physical Damage
Zvimwe zvinowanikwa pakugoverwa kwekugoverwa zvinosanganisira kubhadhara auto auto kukuvara kuparara . Kazhinji, izvi zvinoshandiswa chete kana sangano rekambani rave rava kutengesa kuvhara motokari nokuda kwekuchengetedzwa kwemhosva. Uyezve, motokari dzose dzine bhizinesi dzinofanira kuve inshumo yekukuvara kwepanyama. Izvozvo zvinoreva kuti motokari yakashandiswa haifaniri kuvharwa pasi kana yakazara kana kupesana kunze kwekuti motokari dzose dzekambani dzinoshushikana nokuda kwekugoverana.
Apo pazvakagadzirwa zvisiri nyore, kubhadhara auto kukuvara kwepanyama kazhinji kunotarisana nemuganhu, sa $ 50,000. Kana mubhadhaji akabhadhara akanganisa kana kuparadzwa, mubhadhadziro haazobhadhara kupfuura chikamu chakatarwa kana kuti mari chaiyo yemari yemotokari, chero zvishoma. A deductible inowanzoshanda.
Purogiramu Mitemo uye Tsanangudzo
Zvimwe zvibvumirano zvinoita kuchinja kumamiriro kana tsanangudzo mumutemo.
Chiratidzo cheNhanho kana Kuda
IIOO bhizinesi auto policy inoda iwe, uyo anonzi inshuwarheni, kuti ape chiziviso chekuchengetedza vhudzi chero ipi zvayo, kuda, sutu kana kurasikirwa. Izvi zvinogona kuve zvakaoma kana mushandi achiziva nezvekuitika, asi anokundikana kuudza iyo kutungamira kwako. Apo iyo yako yakasimba inopa kudai, iyo inshurensi inogona kuramba kuparidzirwa pamusana pekuti iwe wakakundikana kuita maererano nezvido zvekupa.
Ichi "chiziviso chebasa kana kuda" kuchinjwa kwakagadzirirwa kudzivirira matambudziko akadaro nokugadzirisa chiziviso chinodiwa. Zvinowanzoreva kuti zivo yengozi kana kurasikirwa nemushandi hazvizoiti ruzivo rwevane zita rinonzi inshurensi kunze kwekuti vamwe vatungamiri vekambani vanoziva nezvechiitiko chacho. Vatungamiri vakadaro vanogona kusanganisira munhu anonzi bhizinesi (wekutengeserana chete), shamwari (yebambirano), nhengo (yekambani inosungirirwa nekambani), kana mutariri wekambani kana mutariri wemishuwarenzi (yekambani).
Waiver of Subrogation
Vatsigiri vakawanda vanozogadzirisa mitemo yemitemo yekuisa mvumo yekuregererwa . Kunyange zvazvo mutauro wakasiyana-siyana wakasiyana, inowanzoreva kuti kana uyo anonzi inshuwarheni akasiya kodzero dzayo kuburikidza nekonyoti yakanyorwa kuti asunge imwe nhengo, mubhadhadzi wekwereti acharega kodzero dzake dzokupomera iyo firima zvakare.
Unintentional Kusakwanisa Kudzora Njodzi
Iyo yemagetsi yemitemo inotaura kuti iyo inshurensi inogona kupedza mutemo kana ukaita uori hunobatanidza nehuwandu hwekutengesa motokari. Mutemo wako unogonawo kuvharwa kana iwe kana ani zvake akachengetedzwa achida kuvanza kana kurerutsa zvinyorwa zvine chokuita nepurogiramu yako, motokari yakavharidzirwa (kana kufarira kwako ), kana kubvuma kwawakaisa pasi pemutemo. Somuenzaniso, iwe unokwereta kudai kukuvara kwepanyama kune motokari yakavharidzirwa pasi pekutarisana kwako kwekupesana. Iyo inshurensi inodzinga mutemo wako mushure mekudzidza kuti motokari inowanikwa nemuvakidzani wako panzvimbo yebhizimisi rako. Mitemo yehurumende inogona kuvharidzira mukana wako we inshuwarisi kuti aparadze mutemo wako.
Vatsigiri vakawanda vachawedzera zvakasiyana nehupi hwekubiridzira kwekusakundikana kwekusaziva kuzivisa njodzi. Izvi zvinowanzoreva kuti inshuwarisi haingarambi kuparidzirwa kwekudaira kunobva mukukundikana kwako kusingadi kuzarura, kana kutadza kwako kusingaiti nemaune, chinhu chezvinhu. Kana wangoona iko kukanganisa, unofanira kuudza iyo yako inshurenzi nokukurumidza.
Mafungiro Enyama
Iko kushandurwa kunochinja tsanangudzo yekukuvara kwomuviri . Inowedzera tsanangudzo iyo inosanganisira kushushikana kwepfungwa iyo inoguma nekukuvara mumuviri, kurwara kana zvirwere. Chinangwa chayo ndechekuvhara kunetseka kwepfungwa kunokonzerwa nekukuvara mumuviri.