Kuchengetedza Iwe Kubva Mhando Dzose Mamiriro Ezvinhu
Kunyatso inshuwarisi yekugovera ndeimwe yezvinyorwa zvakanyanya zviripo sechikamu chemotokari yveshuwarisi.
Yakazara ndeyekusarudzwa kwehushuwarisi yekudzivirirwa iwe unowedzera kumotokari yako yepamusoro motokari inokupa iwe kugoverwa kubva kune zvinokanganisa izvo zvisingagumisiro nekupikisana nemumwe motokari .
Yakazara Car Insurance Coverage Mienzaniso:
Kunyatsoparidzirwa kwepamusoro inoparidzirwa inozivikanwa inopa inshuwarisi kubva kune zvakasiyana-siyana zvinokanganisa zvinogona kuitika kumotokari yako, kunze kwekubva pangozi yemotokari.
Mimwe mienzaniso ndeyi:
- kukanganisa kubva kubba
- moto uye kuputika
- kuparadza
- kubhururuka kana kuwira zvinhu
- kusagadzikana kwehurumende kana kupesana
Kazhinji Kakawanda Inishuwarenzi Inoputika
Kunyatsopatsanurwa kunosanganisirawo girasi nemhepo yako, kukanganisa kwemamiriro ekunze kana njodzi dzinongoitika dzoga , semhepo ine dutu, mhepo ine mhepo, matutu , kudengenyeka kwenyika, chimvuramabwe, uye mafashamo .
Kunyatsoparidzirwa kunosanganisirawo kukanganisa kwemotokari inokonzerwa nemugumisiro wekurwisana kana kukuvadza kubva kune shiri kana mhuka.
Inonzwisisika Coverage Inotenderwa Kana Inodiwa Here?
Kunyatsopararira hakusi chikamu chehurumende chinonyanya kukosha chemotokari yemotokari .
Zvisinei, kana iwe une chikwereti kana chikwereti pamotokari yako, kambani inokweretesa kana yezvemari inogona kukumbira kuti utenge zvakakwana kugoverwa kwemotokari yako, pane izvozvi ivo vachakumbira kuti iwe unosanganisa kuverenga kwakakwana.
Nguva Yokutenga Comprehensive Insurance Coverage
Kana iwe uchikweretesa kana uine chikwereti chemotokari yako, iwe uchadaidzwa kutenga yakawanda inshuwarheni yekuvhara, kunyange zvazvo zvingave zvisingadikanwi nehuwandu hwemotokari yemitemo yenyika mitemo .
Kambani yekubhadhara kana yezvemari inoda kuve nechokwadi chekuti motokari yako yakazara inshuwarisi munguva yaunenge uchiripa mari pamotokari yako.
Chero nguva apo motokari yako ine kukosha, iwe unoda kuongorora kuwedzera yakawandisa inshuwarheni.
Ikare Imotokari Inoda Kushanda Imwe Inishuwarenzi Car?
Dzimwe nguva vanhu vanofunga kuti motokari yakare haifaniri kuvharwa kwekuwedzera nokuti haifungi kuti ichabiwa.
Zvisinei, yeuka kuti zvakazara zvinosanganisira njodzi dzakawanda dzakasiyana, kusanganisira:
- kupiswa kwemhepo
- moto
- kukanganisa kubva mumamiriro ezviitiko sechimvuramabwe.
Izvi ndizvo zvinowanzokonzera kukanganisa kwemotokari zvinotengesa zvakanyanya sekugadzirisa kana motokari itsva kana yekare.
Comprehensive Coverage uye Deductibles
Kunyatsoparidzirwa kwepamusoro kunowanzozotengeswa ne deductible . Iwe unogona kazhinji kusarudza iyo deductible, kunyange zvazvo mutengo wakagadziriswa wehupfumi hwakazara hunowanzobva pa $ 100- $ 300.
Zvichienderana nehuwandu hwemotokari yako, kana kuti mari yeinishuwarenzi yako, iwe unogonawo kusarudza yakakwirira deductible senzira yekuderedza mari yveshuwarenzi . Iyi sarudzo inowanzotarisirwa zvakanaka kana uine motokari yakanyanya-ngozi kana motokari yakakosha.
Zvichipa kuti vanhu vazhinji vanoshandisa zvikamu zvakakwana kuti vagadzirise kana kuti vagadzirise mafiriji, asingatengi mari yakawanda, unoda kuve nechokwadi kuti unonzwisisa zvakakwana kushandiswa kwako uye kuti iwe unogona kutenga mari yekubhadhara yako, kana kugadziriswa iyo inodhura zvishoma kudarika yako yakagadzirirwa muitiko rekutsvaga.
Comprehensive Coverage uye Glass Zvipupuriro
Girazi yegorosi inowanzobatanidzwa muhuwandu hwehuwandu hwemotokari yehurumende uye inenge ichitungamirirwa nehuwandu hwekuvharadzirwa kweducuctible.
Kana motokari yako isina kukuvadza girazi uye inoda chete kugadziriswa, mamwe makambani einishuwarenzi haadi kuti iwe ubhadhe zvakabviswa.
Mune dzimwe nyika, mitemo inotungamira kushandiswa kwekudzvidzwa pane girazi rakazara rekuti girazi rinongoda kugadziriswa kunze kwekugadziriswa. Florida, Kentucky, South Carolina mandate kugadziriswa nehuwandu hwehuwandu inshuwarheni pasina kuwanikwa nokuti vakawana kuti kutyaira nemhepo inokonzerwa nemhepo inotyisa, iyi inobatsira yehuwandu hwehuwandu hwemashoko aya. Izvi zvichitaurirwa, makambani akawanda einishuwarenzi acharamba achibviswa muchechi yekugadzirisa girazi, naizvozvo zvakakosha kudana nhengo yako kana mumiririri kuti azive mamiriro ako.
Vamwe vanoti, maererano neUnited Institute, vanogonawo kupa zvipiro zvekuvhara girazi rakazara pamwe chete nehuwandu hwekugoverana, izvo zvinobvumira mutungamiri wehurumende kuti asarudze kusabhadhara kana pane girazi rekumbira.
Unoita Zvakajeka Kuvhara Mhosva Zvinotaridzika Sezviitiko Zvine Mhosva Here?
Zvose zvinotarisirwa kuzivikanwa hazviwanzoiti sezviitiko zvinotakura.
Njodzi dzinogadziriswa dzichawa pasi pekutongwa kana chikamu chekugadzirisa kwe auto auto inshuwarisi uye kwete iyo yakazara yekugovera chikamu.
Chimwe chinokanganisa chikamu chemotokari yeruzhinji yakazara inoshandiswa iyo yakasiyana nemamwe ose epishuwarenzi pasi peinishuwarenzi yakadzika ndeyekuvhara kwekurova mhuka.
Kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge waita.
Iyi ndiyo nguva isingawanzoiti iwe paunobata chimwe chinhu uchifambisa uye haisi kuverengwa pamusoro pako senjodzi ine mhosva. Zvizhinji zvehurumende, uye makambani einishuwarenzi haazofungidzire rudzi urwu rwekutsvaga njodzi ine ngozi. Taura nekambani yako ye inshuwarisi kuti uone kuti vanoona sei izvi uye iva nechokwadi chokuti hapazove nezvimwe zvikwereti zvinosanganiswa neshoko rakazara.
Motokari Dzakakodzwa uye Yakakwana Car Carverage Mushure Mokunge Motokari Yabiwa kana Kuda Kubva
Kubhadhara kubhadharwa kwekubhadhara chikamu chikamu chinokosha chekugovera chinoshanda chete kana iwe wakawedzera pane chinangwa chako sekubvumirwa. Haisi kuiswa mumashoko akazara.
Kana iwe uchida kuva nemotokari yemotokari apo motokari yako iri kugadziriswa nekuda kwekubvunzwa kwakakwana, iwe unofanirwa kuve nechokwadi chekuti iwe unobatanidzwa zvakakwana pamotokari yako uye kubhadhara kubhadharwa kwekubhadhara kana kurasikirwa kwekushandiswa kwekushandisa.
Kana iwe usina ruzivo rwakazara, ipapo kubhadhara mari yekubhadhara mari hakuzopindi nokuti mhirizhonga haifaniri kuvharwa.
Mienzaniso yeZvibvumirano zvakajeka uye zvitsva
- Emily akasimudza motokari yake mumugwagwa kunze kwekuvakwa neshamwari, panguva yekushanya kwake mamiriro okunze akaipa, uye akasarudza kugara usiku pane kuenda kumba kumba. Mangwanani akatevera apo Emily akaenda kundotora akaona denga uye hood yemotokari yake yakanga yakawanda zvikuru. Akafunga kuti inofanirwa kunge yakakonzerwa nechimvuramabwe panguva yemhepo. Akasangana nekambani yeinishuwarenzi uye vakamuvimbisa kuti kurasikirwa kwaizochengetedzwa nehuwandu hwehupfumi hunovhara iyo yaakasarudza apo uchitenga sarudzo kunyange zvazvo aizoda kumubhadhara $ 500 inshuwarisi inobviswa pakutanga.
Broken Windshield Claim uye Comprehensive Coverage
- Mark akanga achifambisa mumugwagwa mukuru uye kamwe kamwe dombo rakawira padhivi rokumhepo uye rakagadzira kuparara. Pakarepo Mark paakauya kumusha, akadana muimiriri weimishuwarenzi uye akaudzwa kuti haafaniri kushungurudzika, aive nehuwandu hwekugadzirisa hunogona kubatsira kugadzirisa kana kutora bhuni rakaputsika kana rakaputsika, angangodaro aribhadharira uye vamwe vose vaizofukidzirwa.
Kurova Mudiwa Paunenge Uchityaira
- Susan aityaira kubva kumba kubva kuKutenda kwekutenda paimba yeimba yake apo kamwe kamwe akarova nondo. Achifara kuti akanga akanaka, asi motokari yake yakaparadzwa. Akadana mapurisa kuti aite mushumo wekukanganisa, ndokubva atumidzwa kuti inshuwarisi yakanetseka kuti izvi zvingave zvisiri kuzadzirwa zvakakwana. Mumiririri weinishuwarenzi wake akamuvimbisa, ane inshuwarheni yakadzika, saka mhirizhonga yaizofukidzwa pasi pemutemo wake.