Chii Chaicho Chekuita Kwemunhu Uye Kuparara kwePfuma?

Kuzvimirira Kwemunhu uye Pfuma Kuparara

Chimwe chevhudziro yemishuwarisi yemotokari izwi ndiro PLPD. Muzviitiko zvakawanda, izwi iri rinoshandiswa pasina ruzivo rwekuti chii chiri kuwanikwa uye kuti chinorevei kune inshuwarisi. "PLPD" inomirira Mutoro weMunhu uye Kuparadzana kwePfuma, uye kuparadzirwa kwePPP ndeyemapfupa asina kubhadhara mutemo unotarisirwa zvishoma mumatunhu akawanda. PLPD chikamu chinokosha chemotokari yese inotengesa inotakura inshuwarisi. Kuziva kuti PLPD chii, kunze kwezvazvinomiririra, zvinogona kukuponesa zvakawanda zvekuvhiringidzika uye kukanganisa kana iwe wakambosangana nengozi.

Kunzwisiswa zviri nani kwekugoverana kunogona kukuchengetedzawo mari pamusoro pe inshuwarisi .

PLPD dzimwe nguva yakaputsika kuva maitiro maviri akasiyana ekugoverana: PL, chikamu chemunhu oga, uye PD, kuparadzwa kwemamiriro ezvinhu. Kune rumwe rudzi rwekugadzirisa kupinza-in, iwe kazhinji unofanirwa kunge uri iye akakanganisa pane imwe ngozi. Deductibles haisi kushanda kune chimwe chikamu chemunhu kana kukanganisa kweimba; zvisinei, kana iwe uri kukanganisa pangozi, inshuwarisi yako yakawanda inofanirwa kuenda. Asi zvisinei iwe haufaniri kushushikana ne deductible mune chikwereti kana chimiro chekupfuma kwezvinhu zvekuda.

PL = Mutoro wega wega

Kuva usina hanya kana mhosva pane imwe njodzi inosanganisira motokari inoita kuti uve wekodzero yekukuvadza kwawakaita. Mutoro wega wega unogona kufukidza kukuvadzwa kwemumwe munhu, kurwadziwa uye kutambura kana iwe ukawanikwa uri mhaka. Kuvharirwa kwekodzero kwakanyorwa sechikamu chiduku, kufanana ne20,000 / 40,000, pane yako inshuwarisi yehurumende uye inonziwo Bodily Injury.

Nhamba yekutanga muchikamu chiduku chekubhadharwa nemunhu. Nhamba yechipiri muchikamu chiduku chinokwaniswa kubhadhara panjodzi. Kana vanhu vazhinji vakakuvara mune imwe njodzi, inotanga kuuya kutanga kushanda-kureva kuti ani naani anokanda kudai ane mukana wokutanga pane mitemo yakataurwa.

Nhamba yakakura Inobhadharwa Nomunhu / Maximum Kubhadhara Pakaitika Njodzi

Zvakakosha kunzwisisa maximums painishuwarensi yako uye zvavanenge vachataura nokuda kwechokwadi chemari yako kana iwe ukapinda munjodzi. Kunyange zvazvo maximums ari denga kune izvo kambani yeishuwarenzi ichafanira kubhadhara, vanhu vakakuvara semhaka yekufambisa kwenyu vanogonawo kuedza kukuita kuti iwe uzvidavirire kune zvakawanda.

Muenzaniso: John ari kutumira mameseji uye kutyaira, uye haazive kuti chiedza chakashanduka chikafu. Iye anoguma apedza imwe motokari nevatakuri vana. Vose vashambadzi vana vakaramba vachikuvadzwa zvishoma. Zvikwereti zvaJohane pachake pachedu ndeye 100,000 / 300,000. Munhu mumwe nomumwe anofamba anotevera kambani yaJohn inshuwarisi ye $ 20,000 chikamu chekutambudzika uye kutambura. Mumwe nomumwe anopiwa kugadziriswa nokuti John akawanikwa ari akakanganisa uye mari yakatsvakwa inowira mukati memirairo yeasingasviki 100 000 pamunhu uye kwete 300 000 pangozi. Kana zviyero zvadarika, vatsigiri vanogona kutevera Johane pachake.

Muenzaniso: Fungidzira mamiriro akafanana neaya pamusoro apa asi John t-mapfupa imwe motokari inopinda mumuganhu. Vatakuri vana vakakuvara zvikuru. Zvikwereti zvaJohane pachake pachedu ndeye 100,000 / 300,000.

Mumwe nomumwe anofamba anotevera John inshuwarisi yekambani yehuwandu hwekubhadhara kunze kwe $ 100,00 yekurapa mari uye kurwadziwa nekutambura. Dambudziko nderokuti, chinangwa chake chichavharira kusvika ku $ 300,000 pangona yacho. Vanhu vana vanotambura mumwe nomumwe anoda 100k anowedzera kusvika ku $ 400,000. Izvi zvinongova muenzaniso uye zvinogona kushandiswa nenzira dzakawanda. Dare rechina rakakuvadza kuti ripe mvumo inogona kusara isina mukana wekuunganidza kubva kumotokari yaJohn motokisi yemotokari. John haana ruzivo rwakakwana kuti avhare mhirizhonga uye anogona kunge akatongerwa uye akazvimiririra oga.

Mhosva Yevamwe Mazano Anokosha:

• Coverage ndeyomumwe munhu, kwete iwe.
• Hurumende inopera mitemo yakasiyana, saka chengetedza nemumiririri wako wehupfumi.
• Miganhu yakasarudzwa ndeye 100,000 / 300,000.
• Unoda mitsara yakakwirira here? Tarisa mumutauro wemaamburera .

• Michigan ine mitemo yakasiyana yekukuvara.

PD = Imba Dambudziko

Kana iwe ukakonzera kukanganisa pfuma nemotokari yako, yakadai sedzimwe motokari, chiratidzo chemugwagwa, bhokisi remakadhi, kana chimwe chinhu chipi nechipi nokuda kwechinhu ichocho, kugoverwa kuchagoverwa pasi pekuparadzwa kwepfuma. Njodzi dzinowanzoitika kuitira kuti pfuma isakanganiswe inowanikwa mumishuwarenzi yose yemotokari . Kuvharidzirwa kunowanzoratidzwa pamwe chete nemhosva yemunhu oga 100,000 / 300,000 / 100,000. Vane zana vekupedzisira 100 000 inopera kwemiganhu yekuparadza.

Muenzaniso: John anorova chidimbu chechando uye slide mumoto wakamira parutivi pomugwagwa. Kukuvadza kumotokari yakamira ichafukidzirwa pasi pekuparara kwepfuma yepamusoro pamotokari yemutambisi waro . Motokari yacho ichagadziriswa pasina ducuctible.

Kuparadza kwePfuma Mazano Anokosha :

• Inovhara dzimba kune vamwe yakakanganiswa nemotokari yako
• Hurumende inopera mitemo yakasiyana, chengetedza nemumiririri wako wehupfumi.
• Muganhu wakakwana 100,000
• Zvimwe Zvinyorwa (kwete zvevose zvinotaura)
• Mini Tort kana Dzimba Dzimba Dzakashata
• Kukuvadza Kwekuzvidzivirira
• Kungoerekana Kungofa
• Property Protection

Chero ani zvake ari kutora nguva yekuti averenge achishandisa inshuwarisi yavo ari pangozi yekuwana misoro. Shanduro Indaneti uye zvakaoma kunzwisisa zvinotarisa kuburikidza nehurongwa hunenge husingakwanisi kune mutyairi wepakati. Kana iwe usingaiti neinishuwarenzi terminology zuva rega rega, zvakanyanya kuoma kuti ugare pamusoro pepamutemo. Asi ikozvino, nguva inotevera paunonzwa mutsara we PLPD, iwe uchaziva kunyatsozivikanwa kwehuwandu uye kuti hunokudzivirira sei.