Mumwe munhu Hit My Parked Car
Nzira Yayo Inotarisana Nenharaunda Inodhaka Mhosva?
Iko -ine mhosva yemotokari yechurenzi inobhadhara kugadzirisa pfuma yekukuvara. Kunyange musina-mhosva inotaura, mhirizhonga yemotokari yemhosva inokwidza. Mumamiriro ezvinhu aya, kugoverwa kunopiwa nekambani yeinishuwarenzi yemotokari, kwete nemutyairi wemotokari.
Muenzaniso: John anokwereta motokari yomunun'una wake kuti atore dzimwe nzvimbo dzekugadzira zvinhu. Paanenge achitsigira kubva panzvimbo yake yekupaka panzvimbo yekuraira iye anokwira motokari yakamira . John's brother's insurrection policy ichafukidza kukanganisa kwemotokari yakamira.
Uninsured Motorist Property Damage
Inishuwarenzi Research Council (IRC) inofungidzira kuti 1 kubva pavatyairi vanomwe vari muUnited States iye zvino haasimbiswi, asi makumi maviri nemaviri zvinoreva zvinoda uninsured motokari yekuvadzwa kwehupfumi. Vanotyairi mune dzimwe nyika, zvechokwadi, vanewo sarudzo (asi kwete kusungirwa) kutenga mutemo usina kukuvadzwa wemotokari yemigwagwa, iyo inopa kugoverwa apo mumwe munhu anorova motokari yako uye asina motokari yehupfumi.
Mutemo wakadaro unogona kupawo kugoverwa kwezviitiko zvekurova uye kumhanya. Mune dzimwe nyika apo kugoverwa kusingadiwi, vazhinji vanoenda kune iyo makambani einishuwarenzi kuti asarudze kana kana kwete kupa mutemo wakadaro. Deductibles inogona kushandiswa pakuparidzirwa zvichienderana nekuti unoisa sei hurongwa hwako. Danaidza gurisa rako remotokari yemotokari kuti uone kutengesa kwatakatenga.
Nhengo inogona kukubatsira kuti uone kana kana kurohwa uye kukwira kuchavharwa pasi pehutano hwako.
Ko Deductibles Inoshandisa Sei MuNzvimbo Kuparadza Mhosva?
Kana iwe ukarova pfuma yeumwe munhu nemotokari yako, mutero wako wakabviswa hauwanzoshandi pakugadzirisa zvinokanganisa. Zvisinei, kana motokari yako yakakuvara panguva imwechete, iwe uchada kubhadhara kukanganisa kwako kunobviswa kuitira kuti gwara rako rigadziriswe. Kukanganiswa kwekugadzirisa kunogona kusiyana, asi zvakajairika kuti vatyairi vave ne $ 500 deductible.
Kana iwe uchiziva kuti ndiani akakanganisa pfuma yako, iwe uri mhanho: iwe uchakwanisa kuisa pfuma yekukumbira mhosva pamusoro peinishuwarenzi yavo, iwe hauchazobhadhari kubhadhara deductible, uye iwe unokodzerwawo nemotokari yakasungwa panguva yako motokari iri kugadziriswa.
Kana iwe usingazivi kuti ndiani akakanganisa pfuma yako, zvishoma nezvishoma (uye zvichida zvakanyanya kutengesa): kusaziva kuti ndiani akakanganisa pfuma yako inoshandiswa kudai kubva kune imwe nzvimbo yekukuvadza kudai mukutaura kusagadzikana. Kana iwe usingazivi kuti ndiani akakanganisa motokari yako, iwe uchava nemhosva yekukonzera kwako kubviswa. Kana iwe usina kuparadzaniswa kwekambani, kambani yako yeinishuwarenzi haizombobhadhari kudai. Zvinogona kunge zvakaoma kuvhara.
Tariro, iyo yepa-pango yakakusiya iwe chinyorwa.
Muenzaniso: Jack anobuda kubva muzvitoro kuti awane hove huru pamusuo wechiteshi. Hapana akasiya chikamu chinoreva mutoro. Anoshevedza vashandi vake ve inshuwarisi uye anoona kuti ane $ 500 inobhadharwa pakurwisana . Anofanira kubhadhara $ 500 yekutanga uye inshuwarisi yekambani ichabhadhara zvakasara zvebhadharo.
Zvinotora Nguva Yakadii Kutarisa Imba Kuparadza Mhosva?
Zvinhu zvinokanganisa zvivako zvinogona kutora nguva yakawanda yekuita. Kukanganisa kunoda kuongororwa uye mapato maviri anodiwa kuti ataurirwe nedhipatimendi rezvibvumirano. Tichifunga kuti munhu wese anobata pamwe, iwe unofanira kugamuchira cheki yekugadzirisa mumavhiki maviri. Iwe unokwanisa kukurumidzira matanho ekutaura kuburikidza nekuita kuti iwe uripo kuti utaure neanomiririra mumiririri. Kukurukurirana kazhinji kunonyanya kukosha pazvinosvika pakugadzirisa motokari yako (uye iyo kugadziriswa kwakabhadharwa) nokukurumidza.
Muenzaniso: Mark akaudza Tony kuti akapinda mumotokari yake. Imba yekukuvadzwa kwemhosva yakaiswa pasi peMark yemotokari yemitemo. Mumiririri wezvakataurwa akasangana naVaMark naTony kuti vaone kuti njodzi yacho yaitika. Cheki yekugadziriswa yakabudiswa uye yakatumirwa kuna Tony mushure megumi zvebhizimisi mazuva.
Izvo Zvimwe Zvimwe Zvinokuvadza Zvokuita Zvinobatsira Zvaunofambisa Mari Yenyu Here?
Kana mumwe munhu akarova pfuma yako, kutumira kudai kune mumwe munhu motokari yechipurisi yehupfumi hakuzovi nehutano nemitengo yako. Kana iwe usingazivi kuti ndiani akakanganisa motokari yako uye iwe unokonzera kukanganisa kuda pasi pehutungamiri hwako, huchaita kuti uwedzere chiyero chako panguva yekuvandudza.
Kunokonzera njodzi haimbovi nokunzwa kwakanaka. Kana iwe wakakanganisa pfuma yeumwe munhu, kuzviita zvakanaka kunogona kudhura. Nenguva isipi, motokari yveshuwarisi iri panzvimbo yekukubatsira. Kuparara kwehupfumi kugoverwa kuchabhadhara, kazhinji pasina deductible, iyo chinhu chakanaka. Kana pane kukanganisa kumotokari yako zvakare, iwe uchafanira kubhadhara kukanganisa kwako kubviswa kuitira kuti uigadzirise. Kuwedzera kunowedzera kuwedzerwa kune yako yekuvandudzwa nokuda kwekuisa mhosva pane ngozi. Dhora rekuwedzera kwebhadharo rinogona kusiyana. Chengetedza nemotokari yemumiririri wemotokari yako kuti uwane mamwe mashoko.