Pakupedzisira Gufambisi yeChikoro cheUsepi
Kutenga motokari inguva yehupenyu hwevanhu vakawanda: chii chisingadikanwi nekutsanya nekutsvaira kwakanaka kunenge kuchiva neshamwari dzakawanda nevavakidzani? Usati waisa rubha mumugwagwa, kana kuti kunyange musoro kuenda kune mutengesi, zvakakosha kuongorora imwe shoma-kupfuura-sexy chechikoro chemotokari: motokisi yemishuwarenzi.
Ndinoda Mapikisi Inishuwarenzi Here?
Kana iwe wakatotarisa muchikoro chemari uye uchisarudza kuti iwe unoda kuva wako pachako, saka hazvisi kushamisika kuti iwe unenge uchida kutenga motokisi yveshuwarisi.
Asi zvingakushamisa iwe kuti zvese zvinotaura - Florida, Montana, New Hampshire, neWashington - chaizvoizvo hazvitsvaki motokisi yveshuwarenzi. Sezvakangoitika, New Hampshire haitombotori motokari yerimisi!
Asi izvozvo hazvirevi kuti haufaniri kutenga. Kuzvidzivirira kubva mukukuvadza kunodhura uye hondo dzepamutemo kuchapa mari yekuchengeteka uye rugare rwepfungwa. Kunyange mumune mana anoti haadi inishuwarenzi, hurumende inowanzodikanwa humwe uchapupu hwekubhadhara mari mune zvekusarudza nekudzivirirwa pamigumisiro yakaipa yekutyaira motokari. Florida, semuenzaniso, inoda uchapupu hwe $ 10 000 muhutano hwehutano hwekurapa, hunogona kubva muhutano hwehutano inshuwarisi. Uye kana iwe usina kubhadhara motokari yako zvakananga, unogona kuva nechokwadi chekuti mari iyo yakagadzirwa inoda kuti uve ne inshuwarisi.
Kune rumwe rutivi, vamwe vanoti havasi kungoda motokari yemavhumbisi inshuwarheni, asiwo vanoda kuti ma motorcyclists ave asina uninsured motokari kuvharawo zvakare.
Izvi zvinokuchengetedza kubva pakubhadhara njodzi inokonzerwa nemumwe mutasvi kana mumwe mutasvi asina ruzivo (kana asina kukwana). Zvichida kana kwete, zvinowanzowedzera kuchenjera kuti uchengetedze rudzi urwu rwekuparidzira - zvisinei, unogona kurohwa nematambudziko asingatarisirwi kana uri mujodzi, kana iwe wakanga usina mhosva.
Kungofanana nemhando ipi zvayo yemishurenzi, zvakakosha kuita tsvakurudzo yako uye kutengesa kune imwe nzvimbo kuti uwane zvakanakisisa kugadzirisa motokisi yemishuwarenzi.
Ndorudzii rweInishuwarenzi Ndiri Kuda?
Kungofanana nemotokari yemotokari , zvishoma zvinotarisirwa kugoverwa ndiyo inowanzochengetedza inshuwarisi, iyo inogona kuvhara chero kupi kwekukuvadza kwako motokari yako inokonzera muitiko wekuitika kana iwe uri kukanganisa.
Kana iwe uri munjodzi, kugoverwa uku kazhinji hakusi kukwana - kunyanya kana uri mungozi apo iwe hauna mhosva. Mukana wehutachiona hwehutano hushoma huchava husina kukwana kana iwe wakasungirirwa mushure mokunge uine njodzi, uye imwe iyo iyo inogona kuuya shure kwezvinhu zvako. Inishuwarenzi yemhosva inogonawo kusachengetedza bhasikoro rako nekuvhara kana kukuvadza kwezvinhu zvinokonzera, semhepo ine simba, mvura, kana chimvuramabwe. Vamwe vatakuri kunze kwenyu iwe hausiwo nguva dzose yakavharwa nehutachiwana hwehutano hwehutano uye iwe unogona kutenga kutenga vatapi vemhosva mune dzimwe nyika.
Kungofanana nemotokari yemotokari, rudzi rwehushuwarenzi iwe pachako hunoda huchava kuenzanisa pakati pemari uye zvingabatsirika - mune mamwe mazwi, ichapa ruzivo rwakawanda paunenge uine pfungwa yezvemari.
Ndingabhadhara Zvakadini Motokari Inoshuwarenzi?
Sezvakangoita nemhando ipi zvayo ye inshuwarisi, mhinduro ndeyokuti: inobva. Kana iwe uine motokari yerimende, iwe unofanirwa kutarisa newaini yako yehushuwarisi, sezvo iwe ungatora doro rekushandisa imwechete yehushuwarisi.
Iwe unofanirwawo kutsvakurudza mazano akasiyana kubva kune avo vanopa mbiri uye vanotaura kune vamwe vatenzi vechikoro. Asi chinonyanya kukosha ndechokuti iwe uchabhadhara zvakadini kunobva pakuwanda kwengozi iwe uye bhasikoro rako ndeyekambani ye inshuwarisi pamwe nekuwanda kwekutenga kwauri kutenga.
Iwe pachako panjodzi yako pachako zvichaita kuti uwane hukuru hwehuwandu huchazoguma ubhadhara motokisi inshuwarisi . Kana iwe uchigara kumaruwa, inshuwarisi yako ingangodhura mari shoma kudarika iwe kana uchigara mune imwe nzvimbo yakazara mumaguta. Kana iwe wakanga uine zviitiko zvakawanda kana uine matikiti akawanda, inshuwarisi yako inotorawo mari yakawanda. Kana iwe uri muduku zvikuru (pasi pemakumi maviri nemashanu) kana wakare (kupfuura makumi mashanu), iwe unogona kunge uchibhadhara zvakare. Saizvozvowo, kana iwe wakamboita kuti inshuwarisi yako irambidzwe kana kuti rega sarudzo yako iparadze. Makambani akawanda einishuwarenzi anopa mitengo yakaderera pamushuwarisi yemishuwarenzi kune avo vakatendeka vakatengesa avo vane rumwe rudzi rwehushandi yemishandiro navo kwemakore mazhinji.
Mhando yebazi rechikoro chemotokari yaunayo ichaitawo kuti uwane mari yekuvhara.
Izvo zviri nani chiregi chako, zvishoma iwe ucharipa. Somuenzaniso, kana iwe uine mudzidzi kana kuti wapedza kudzidza, iwe uchabhadhara kupfuura iwe kana une chiremba chakazara kwemakore mazhinji.
Sezvo nemotokari yemotokari, haisi kungova pangozi iwe uri mutyairi unofanirwa. Chaizvoizvo kuiswa inshuwarisi hausi iwe semunhu oga, asi motokari yako zvakare. Kukosha, kuita, muenzaniso, uye injini yehuni zvose zvinokonzerwa nemari yepamusoro; bhasikoro rakanakisa rinogona kunge rinonakidza kutasva uye kuratidza, asi richavawo mari yekuchengetedza. Iwe unotengesa bhasikoro rako uye kupi kwaunogara unobatanidzwawo kuti ingani yako yekambisi yeinishuwarenzi ichabhadhara. Kazhinji, mabhasikoro ane zviduku zviduku uye pasi pemahara, mavhiri mabhasikoro, uye cruiser style mabhasikoro zvinodhura zvishoma kuti vatsigire kupfuura mabhasikoro ane mahombekombe makuru emabhiza matsva, mabhasikoro matsva, mitambo yemitambo, uye turbocharged mabhasikoro. Japanese inogadzirwa mabhasikoro uyewo kazhinji inodhura zvishomanana kudzivirira kune Harley-Davidsons uye BMWs.
Zvechokwadi, kuti yakawanda uye rudzii rwehuwandu hwauri kutenga ruchaitawo basa guru pakugadzirisa mari yako yematongerwo enyika.
Coverage Options
Kunze kwezvishoma zvishoma kubhadharwa , iwe une zvingasarudzwa zveinishuwarenzi - dzakangofanana nemasikirwo ezvakanyorwa zve auto auto.
Kunyatsoparidzirwa kuchafukidza "mabasa aMwari" akadai sehupenyu kana kuparadza kwemhuka, kana muitiko wekubata.
Inishuwarenzi yekutarisana , sezvinoreva zita racho, ichakudzivirira paunenge uchinge uchinge uine imwe motokari uye ndiyo mhosva yavo.
Kuzvidzivirira kumunhu pachake , kana PIP, kuchakuvadza kukuvara kune chero mapoka anobatanidzwa mune imwe njodzi pasinei nokuti ndiani ari kukanganisa. Ichi chinyorwa hachiwaniki mumamiriro ose enyika nokuti motokari dzemakwikwi, kazhinji, ndeyengozi yakawanda yevatyairi vemotokari.
Mugwagwa rubatsiro huchavhara mari yekukutora iwe nebhazikoro yako kuenda kugaraji kuitira kugadzirisa muitiko iyo inoputsa. Munharaunda imwecheteyo, kuparadzaniswa kwekufamba kwekufamba kuchabhadhara mari yekuwedzera yakadai sokugara uye zvokudya kana bhasikoro yako inenge iri pangozi panguva yekufamba kure nemusha.
Kambani imwe neimwe yehushuwarisi inogona kunge yakave nokuuraya kwezvimwe zvekugadzirisa zvimwe sendima sechikamu chevhesi yepikisi yekuvhara mazano. Tarisa newainishuwarenzi wako uye nevamwe vatasvi vemabhiza kuti vataure pamusoro pezvinhu zvose zvaunogona kuwana.
Chengetedza Zvikamu Zvako!
Kana iwe wakashandisa mari pane bhasikoro, zvigaro iwe uri kunyanya kuiswa muchikoro chako pachako uye mupfungwa, pamwe nemari. Izvi zvinoita kuti kugoverwa kwezviitiko zvikamu uye zvese zvinonyanya kukosha. Iwe unogona kazhinji kutenga kusvika kune $ 30,000 muhuwandu hwemamwe asina nhengo dzakasiyana-siyana kusanganisira sidecars uye vatengesi uyewo fancier zvinyorwa zvakadai semagetsi e stereo uye zvigadziridzo zvetsika.
Nzira Dzokuchengetedza Ngorovhisi Inishuwarenzi
Kune nzira dzakawanda dzekuchengetedza pamotokisi yemishuwarenzi mari pasina kufungidzira kugoverwa. Taurira yako inshuwarisi mupiro kana iwe uchishamba bhasikoro rako mukati megaraji rakavharidzirwa, kana wakaisa alamu, sezvo zviyero izvi zvinogona kureva mari yeinishuwarenzi shoma kwauri. Uyezve, chikoro chekuchengetedza motokari inzira yakanaka yekuchengetedza mari pamwe nekuita kuti wakagadzirira kutyaira bhasikoro rako zvakanaka. Kutora nzira yakadai kunogona kukubatsirawo kudzivisa njodzi dzinodhura. Kuchenesa mapepa ako ekufambisa, kazhinji, kuchaderedzawo mari yako.
Iwe unogara mune imwe nzvimbo inonaya yakawanda munguva yechando refu? Kana zvakadaro, chirongwa chekugadzirisa chinogona kubatsira kuderedza mari yako nekupa mari shoma (uye kugoverwa) mumwedzi umo usiri kuzokwira bhasikoro rako chero.