Chii Chinonzi Car Car Insurance?

Ndezvipi zvinotarisirwa pachedu zvinotakura?

Kuwana motokari yemotokari inoshandiswa iri nyore, asi kutanga, unofanirwa kuziva kuti chii chinozivikanwa chinoitwa. Kazhinji, iwe unoda motokari yemotokari yemadhorobha uye kuti uwane marwadzo ekubata nayo nayo nokukurumidza sezvinobvira. Tora mari yangu, ndipei uchapupu hwe inshuwarisi uye ndisiye ndoga pfungwa pandinosvika pamotokari yemotokari inowanzoitika.

Haasi munhu wose anoziva motokari yemutauro wemishumo uye chinangwa.

Semhaka yezvokwadi, zvichida zvakanaka chunk yevanhu hazvizivi kuti chii chavanoshandisa pamotokari yavo ikozvino.

Motokari yemotokari inoparidzirwa inowanzonzi chero chero iyo iyo nyika inokumanikidza kutenga. Ronga pakutenga nhaurirano neMuviri weMunhu uye, zvichienderana nehugaro huri huri huri, PIP nekugadzirisa uye Uninsured Motorist.

Umubhadharo Wega weInishuwarenzi

Nheyo dzese motokari yemishuwarisi yemitemo ndeyemhosva yemunhu oga. Izvi ndizvo zvinokudzivirira iwe paunokuvadza mumwe munhu pangozi yemotokari uye kana kukuvadza motokari kana pfuma. Izvo zvishoma zvinotarisirwa zvinodiwa zvinotsanangurwa nehurumende imwe neimwe. Asi vamiririri vazhinji vomshuwarisi vanoti hurumende ine mireji yemitemo haisi yakakwana. Miganhu yakasarudzwa yemhosva ndeye 100/300/100.

Chinoshanda sei?

Kuparidzirwa kwaunosarudza ndiyo yakagadzirirwa kubhadhara. Izvo zvinouya sechishamisi kune vanhu vazhinji kuvharwa kwebasa hakushandi kwauri.

Zviri munzvimbo yekudzivirira vamwe vatyairi mumugwagwa avo vanokuvadzwa kana kuti vane mhirizhonga kumotokari dzavo dzinokonzerwa nemotokari yenyu.

Zvitatu zvekugoverwa kwemiganhu zvakanyorwa pane imwe yemhosva yemunhu motokari yemainishuwarenzi. Vose vatatu vanowanzonyorwa pamwe chete se nhamba nhatu dzakaparadzana nemakumbo pasina rimwe ruzivo rwakakosha runotsanangura kugoverwa.

Muenzaniso Kuita Zvikwereti 100,000 / 300,000 / 100,000 kana 100/300/100

• Bodily Kukuvadza Imhosva Chikamu Nomunhu: Muganhu wokutanga uri munyaya iyi ndeye $ 100,000. Dhora iripo ndiyo inonyanya kukoshesa mutemo wako kumunhu mumwe chete akakuvara pangozi yawakaita.
• Bodily Kukuvadza Kuvepa Muganhu Nechiitiko Chese: Chikamu chechipiri chakanyorwa muenzaniso ndeche $ 300,000. Iyi ndiyo yakawanda yemari iyo inogona kubhadharwa kunze kwekukanganisa. Saka vanhu vazhinji vanozofanira kukuvadzwa kuitira kuti vanopfuura 100 000 vabhadhara. Kuwanda kwekukuvadza kwakakomba kunogona kubuda mumucheto wakaderera nokukurumidza. Ichi ndicho chinhu chinonyanya kukosha kuti nei madiki emotokari yemishuwarenzi yemiganhu yakanyanya.
• Imba Kuparara Kuvepo: Chechitatu chikamu chemadhora 100 000 ndeyekukuvara kwepfuma. Inosanganisira kugoverwa kwechinhu chero chipi zvacho chisingabviri kune mumwe munhu kunze kwenyu. Hit uye kukanganisa motokari, kukuvadza murindiro, kana kutyaira mumba kune mimwe mienzaniso yezvinhu zvinokanganisa pfuma. Sezvaunogona kufungidzira, mari yezvinhu zvinokuvadza inogona kuwedzera nokukurumidza. Zvakakosha kuva nehuwandu hwekugovera zvakakwana kuti uwane kudzivirira kwakakodzera.

Uninsured / Underinsured Motorist

Mutengesi asingabatsiri inomiriro inoda mune dzimwe nyika. Iko mari shoma inotarisirwa zvichienderana nehurumende yaunogara.

Vazhinji vemainishuwarenzi vamiriri vanozokurudzira kufanana nemiganhu yemitemo yavo uye zvisingabatsiri zvemotokari yemiganhu Mufambisi asingabatsiri ndeyekugadzirisa kwaunogona kutora kubva kana mutyairi asina kubhadhara anokanganisa motokari yako kana kuti anokuvadza mumwe munhu mumoto wako kukuvara. Underinsured motokari inoshanda kana iwe uine mhirizhonga inopfuura kupfuura imwe mhepo yekufambisa uye iwe unotakura mirefu yakakwirira.

Muenzaniso weMotokari Isina Kubvumirwa 100,000 / 300,000 kana 100/300
Inoshanda saizvozvowo kumubhadharo wemunhu oga, iyo $ 100,000 ndiyo iyo inobvumirwa kune munhu mumwe chete uye $ 300,000 ndiyo iyo inobvumirwa yengozi. Mutengesi asingabatsiri anogona kupinda zvakakwana. Nzira yekutora mumwe munhu kutonga uye kuvasunungura ivo pachavo nokuda kwekukuvadza nokuti vakanga vasina motokisi yerima inogona kuva yakareba. Uye yeuka, vazhinji vevanhu vanotyaira pasina inshuwarisi yemotokari nguva zhinji havana nzira yekubhadhara zviuru zvemadhora mukukuvadza.

PIP uye Zvokurapa

PIP inopfupika kuKuvara Kwekuzvidzivirira Kwevanhu. Izvo zvakafanana nekugoverwa kwechiremba asi zvinopa zvishoma zvidziviriro. Chinhu chinokosha chinoita kuti PIP yakasiyana nekugoverwa kwehutano ndeyekuti inobhadhara mari inobatanidza kukuvadzwa sekurasikirwa kwemari uye mari yekuvandudza.

Izvo zvishoma zvido zvekuda kurapwa kwechiremba kazhinji zvinowira kune imwe nzvimbo pakati pe $ 3,000 ne $ 50,000. Kurapa kwechiremba chikamu chinokosha cheinishuwarenzi yemotokari uye kunyange kana iyo isiri yezvinodiwa zvishoma, unofanira kufungisisa nezvekusarudza izvi.

Kwete So Basic Coverage

• Comprehensive Coverage : Windshield kukanganisa, moto, kuba, kuparadza, mafashamo, uye nzara ndiyo inowanzozivikanwa yakawanda inodhindwa. Chero humwe hupombwe hwemhosva hunoti hahwusanganisi kupikisana huchafukidzirwa pasi penyaya.
• Collision Coverage : Hit chimwe chinhu chisina upenyu, chinozivikanwa sechinhu chisingafambi nechishuwo chayo? Kugoverana kwekugoverana ndiko kugoverwa kunopa zvikwereti zvezvi fender benders.
• Nzira Yomugwagwa : Unoda how kana kubatsira nekuvhara? Mugwagwa rubatsiro ibasa rakanaka revatyairi vakawanda vanovimbiswa.
• Car Rental : Inopa tsanangudzo yemadhora mairi kusvika kune mari yekubhadhara motokari kana motokari yako ichigadziriswa nekuda kwekurasikirwa kwakafukidzirwa.