Chii chinonzi Comprehensive Coverage?

Moto uye Kubata Kwemotokari

Unoda kuchinja motokari yveshuwarisi yekugovera inopa huwandu hwakawanda pasina mari yakakwirira? Nharaunda yekutanga yekugovera kunze kwehurumende huwandu hwekugoverana ndeyekuvharidza zvakakwana . Kwose kwakakwana nokuti inodzivirira kune marudzi akawanda akasiyana-siyana ekukuvara kwepanyama kumotokari yako. Kunyatsoteerera kunopinda nemazita mashomanana akasiyana uye inogona kushandiswa sekumira-oga kuparidzira yemotokari yako kana kusanganiswa nezvimwe zvinyorwa.

Yakazara Yakakwana Coverage Names

Mari yakawanda inodhura zvakadini?

Kune wekuvharairire mutyairi, zvakakwana zvinowanzova zvakakwana zvekugoverana. Zviri pachena kuti zvakasiyana nemoto uye nemutyairi asi huwandu pane zvaunowana, zvinowanzobhadhara mari. Kunyangwe kushandiswa kwechikwata chemhepo kunogona kudhura mazana emadhora emadhora uye kuputika kwemhepo kunowanzojairika. Taura newaini yako yeinishuwarenzi kuti ikubatsire kudzokorora zvikomborero zvakakwana . Zvinogona kukuponesa iwe zvuru zvemadhora kubva muhomwe yemari yemari.

Ndeipi iwe unogona kuwedzera kuverenga zvakakwana?

Kugoverana kwekugadzirisa hakugoni kuwedzerwa kumotokari yako yemitemo kunze kwehuwandu hwehuwandu hwakanyorwa. Asi, zvakakwana zvinogona kuwedzerwa kumotokari yako yemitemo pasina kupikisana. Zvose zvakanaka pakati pekuparidzirwa kune ani zvake anoda kudzivirirwa asi haadi kubhadhara zvakazara.

Kunyatsoshandiswa kunoshandiswa senzira yekudzivirira motokari yako apo iri kuchengetwa. Kana iwe usina kutyaira motokari yako kwenguva yakareba, unogona kunge uchida kuziva, kuburitsa zvakakwana kunopa kudzivirirwa kwekukuvara kwepanyama pawakamira. Saka kana chimwe chinhu chichiitika kumotokari iyo isingaendeswi, kugoverwa kwakakwana kuchavhara mari yekugadzirisa zvishoma kudarika kwako.

Iwe unogona kuchengetedza mari yakawanda nokutora kuvharwa kwemhosva kubva pamotokari uye kuva nehuwandu hwekugovera chete.

Ko imba yangu inshuwarisi ichavhara motokari yangu here?

Iko kusina kururama kwekuti inshuwarisi yemusha ichavhara motokari yakamira mugaraji. Moto kana imba inoputsika pamotokari haichazofukidzirwa nemishonga yveshuwarisi yemusha. Nzvimbo imwe chete yekuwana kugoverwa iri pamutemo wemotokari. Vamwe vanotakura inshuwarisi vangakuita kuti uwedzere kuvimbiswa kumutemo wemwene weimba yako kana iyo motokari inzvimbo yekare. Zvechokwadi, chengetedza newaini yako yehushuwarisi chii chinogoverwa chinopiwa neimba inishuwarenzi.

Chii chakanyatsovhara?

Comprehensive and Deductibles

Sarudza yako deductible panguva yaunotenga zvakakwana. Vamwe vanotakura inshuwarisi vanopa zero zvakabviswa pane zvakakwana, asi iwe unobhadhara mutengo wakakwirira. Kana iwe ukasarudza deductible, iwe unofanirwa kubhadhara iyo yakagadziriswa panguva yekurasikirwa. Hazvina mhosva kana chaiva chiito chaMwari; zvinokwanisika zvinoshanda kana ukasarudza deductible.

Izvo zvinyorwa zvizere zvinogona kukanganisa motokari yangu inshuwarheni here?

Vazhinji vanowanda inshurensi vakatakura vari kukwira pamusoro pezvikwereti zvakakwana. Vamwe havatori chikwereti kunze kwekuti iwe uisa zvitatu kana kupfuura zvinoreva zvakadzama mumakore matatu. Vakawanda havasi kuzowedzera zvekufambisa kwemafirimu asi kurova zvipembenene zvakawanda munguva pfupi kunogona kuva nemigumisiro yakaipa.

Inishuwarensi vanotakura vanochengetedza ziso rakasimba pamatauro. Kana iwe ukaisa chimwe chirevo, vanoona kuti iwe unogona kuisa imwe. Funga nezvazvo. Kana uri kutyaira mumunda wegorosi uri munzira yekushanda zuva rega rega, iwe unosungirwa kuona nondo uye zvinosuruvarisa kuti unogona kuvarova. Kana iwe uine zero zvinoreva, iwe ungafara uchiziva muvakidzani wako anorova nondo kana maviri ari kubhadhara mutengo wakafanana newe? Izvo zvakaoma kururamisa zvikonzero zveshuwarenzi vatakuri vanoona nzira yavanoita.

Kana iwe uchinetseka nezvehuwandu hwehuwandu hunokonzerwa nezvikwereti zvakakwana, iva nechokwadi chekubvunza motokari yemuhurumende yveshuwarisi yako kuti mutakuri wako anobata sei. Tenga zvakapoteredza nevatakuri vakasiyana uye taura kuti chinhu chinokosha mumibvunzo yako.