Kana iwe uri mukana wekusara kuti ugadzirise nhau dzemumwe munhu ane mari yakakweretesa yemotokari mushure mokunge afa, zvakakosha kuziva zivo uye kodzero dzako.
Kana Munhu Akafa, Imba Inoberekwa
Apo mumwe munhu anofa, chinhu chekupedzisira shamwari neshamwari dzemhuri vanoda kufungisisa nezvekugadzirisa zvikwereti zvavo zvakanyanya. Nenzira yakanaka, mune ruzhinji rwehurumende, havafaniri.
Kana munhu apfuura, zvikwereti zvavo zvose nefuma yavo pamwe chete zvinoumba dzimba dzavo. Iyi dzimba "ichabhadhara" chikwereti chezvikwereti zvikwereti, kusanganisira chero zvikwereti zvemotokari, uchishandiswa zviripo kana pane mari yakakwana yekuita.
Kana munhu akasiya zvaanoda, chirongwa chacho chichanzi mutongi, ndiani munhu ane mhosva yekugadzirisa uye kugovera chivako. Kana munhu akafa asingadi, dare rekuongorora richapa mutariri (kazhinji anogara ari mudzimai kana hama yepedyo) kune iri basa rekutungamirira.
Credit Life Insurance
Vamwe vanokweretesa vanopa mukana wokutenga chikwereti chehupenyu hwe inshuwarisi. Kana munhu akafa atenga chikwereti chekuchengetedza chikwereti pamari yavo yemari, iyo insurer inosungirirwa kubhadhara zvose kana chikamu chemari yekukweretesa, zvichienderana neshoko rechibvumirano.
Cosigners
Kana iyo nzvimbo isina mari yekuvhara chikwereti chemari yemotokari, uye kana pasina inshuwarisi yeupenyu hwekwereti yakatengwa, uye chikwereti chemotokari chakasarudzwa nehama yakasara, iyo hama inobhadhara kubhadhara chikwereti chinosara chechikwereti, pasinei nokuti vanogara nhaka yemoto pachavo here kana kuti kwete.
Izvi ndezvechokwadi kune chikwereti chero chipi zvacho chakange chabatanidzwa neicho chinopona. Kana munhu uyu asingakwanisi kuramba achibhadhara, motokari inogona kudzorerwa zvakare uye / kana mubhadharo wekosigeri angagadzirwa, zvichienderana nehurumende.
Community Versus Non-Community Property States
Kana mumwe munhu akatenga motokari kana kutora chikwereti chemotokari mune imwe nyika isiri yehurumende, kana vafa, nzvimbo yavo kana chero vapi vati vapi vayo vachave vane mhosva yakakwana yekubhadhara chikwereti chemari yemotokari. Kupona vakaroorana, hama, uye vamwe vanobatsirwa havazovi nekutarisira kubhadhara zvikwereti. Vamwe vanokweretesa vatengesi vachabvundisa vasara vevakafa pasinei (kana kuti vashandire sangano rekuunganidza kuti vaite kudaro), asi zvakakosha kuziva kuti avo vakapukunyuka havasi ivo vanotarisira kubhadhara kana chikwereti chakanga chisina kuitwa kana chakanyorwa muzita ravo.
Zvisinei, mapfumbamwe anotaura (Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington neWisconsin) nePuerto Rico inofungidzirwa kuti inharaunda inowanikwa nyika, uye mitemo imomo yakaoma.
Munharaunda yehurumende yehurumende, chero ipi neipi kana zvinhu zvakatengwa nemumwe wako panguva yemuchato, pamwe chete nezvikwereti zvatorwa, zvakabatanidzwa pamwe uye nemhosva yemumwe mukadzi.
Izvi zvinoreva kana munhu akafa akawana $ 10,000 mari yakatarwa yemari yemari yemari, kana ikapfuura, mumwe wavo anokweretesa madhora 5 000 ezvo chikwereti - kunyange kana zita ravo risina kumbobhadhara chikwereti kana pamusoro wemotokari. Kuponesa vamwe vakaroorana kunze kwevakaroorana havasi pasi pemitemo iyi.
Kusachengeteka Kusiyana Nezvokuchengetedza Motokari Yakachengeteka
Chikwereti chakachengetwa chikwereti chinotsigirwa nedzimwe chikwata chekuchengetedza - munyaya iyi, motokari ine munhu akafa. Kana zvikwereti pamabhadharo emotokari akachengetwa zvinogumira chero chikonzero, kusanganisira rufu rweiye akasaina chibvumirano chacho, uyo anokweretesa anogona kudzorera zvakare motokari ndokuitengesa kuti ivhare chikamu chero chipi zvacho chisina kubhadhara chikwereti.
Chikwereti chisingaverengeki, kune rumwe rutivi, hachina mari. Kunyange zvazvo vazhinji vezvikwereti zvemotokari vakachengetwa zvikwereti, vanhu vane chikwereti chakanakisisa dzimwe nguva vanogona kutora chikwereti chemotokari isina kuchengeteka.
Muchiitiko ichi, kana munhu akafa, chikwereti chemotokari hachisi chakasiyana nedzimwewo rudzi rwechikwereti chisina kuchengetedzwa, sekadhi rechikwereti kana chikwereti chemunhu oga: ndiro mutoro weimba yacho uye chero vapi vokweretesa, kwete hama dziripo kana vagari venhaka yemotokari, uye motokari haigoni kubhadharwa kuti ivhare chikwereti chechikwereti.
Zvaungaita Kana Munhu Waunoda Anofa
Kana shamwari kana hama yafa, zvakakosha kutumira chirwere chekufa kune vose vanokweretesa uye huru huru yemari yechikwereti. Izvi zvinodzivirira basa rekunyengedzera kubva pakuitika, kusanganisira maakareji matsva achivhurwa muzita romunhu akafa, uye anobvumira chikwereti kugadziriswa zvakakodzera. Kana munhu akafa akaine chikwereti chakakosha, iri pfungwa yakanaka yekubhadhara gweta rekuongorora uyo anogona kugadzirisa nyaya idzi dzezvemari panzvimbo yemunhu akafa.
Zvaunofanira Kuita Kana Uchisarudza Kuchengeta Motokari
Kana munhu anonzi mugari wenhaka yemotokari mune kuda kana dzimwe shamwari dziripo uye nhengo dzemhuri vane chido chekuchengetedza motokari, iyo pfungwa yakanaka yekuramba ichibhadhara pamari ipi zvayo isina kuchengetedzwa yemotokari kuitira kuti usati wave nemotokari yakadzorerwa musati wasarudza yakagadzirwa.
Kana nhengo yemhuri yakasara pakupedzisira inosarudza kuchengetedza motokari, inofanira kuongororwa nedare remhosva kuitira kuti munhu ave mutongi wenhaka uye kutumira musoro wacho. Mudzidzi mutsva achazobhadharawo chero mari yehurumende yekubhadhara kana mitero, kutora auto inshuwarisi muzita ravo, uye kugadzirisa chikwereti chemotokari kana kubhadhara chikwereti chemari yacho yakakwana. Kana iyo chikwereti ichifanira kugadziriswa, muridzi mutsva achada kupa uchapupu hwemotokari pachake uye kuratidza hutengo hwavo hwechikwereti kuburikidza nehupupuriro hwemari kana mari, kana mutambi wekuti - ari oga ane motokari haigoni. Izvozvo, zvichangoita, zvingaita sekukumbira chikwereti zvachose zvakare.