Imwe inshuwarisi ine chikamu chiduku chemotokari kana inokodzera motokari inopihwa neimwe sangano. Saizvozvowo mutyairi wepurogiramu inofungidzirwa kune imwe inshuwarisi here?
Mhinduro yacho kwete.
Kuwedzera Insured Versus Listed Driver
Misiyano zvechokwadi iripo pakati peimwe inshurenzi uye yakaiswa mutyairi. Usafungidzira nokuti iwe wakarongeka pamutemo wemumwe munhu semutyairi, iwe uchabhadharwa nekuda kwekurasikirwa. Chero chete anonzi inshuwarisi, kurasikirwa kwepayees, uye mari yakawedzerwa yechipupuriro yakanyorwa pane inshumo yekutsvaga cheche chekurasikirwa kwese.
Kuwedzera Inshu
- Inofanira kuva nehupfumi hwemotokari imwechete kana kupfuura pamutemo
- May kana kuti isingagoni kutya motokari zvichienderana kana kana kwete iyo yakawedzerwa inshupu inorondedzerwa semutyairi kana ine inshuwarisi mune imwe nzvimbo
Akanyorwa Mutyairi
- Ingave isina umwene wemotokari
- Anonyanya kushandisa kana kuti pane imwe nguva mhepo yemotokari
Ndiani anowanzowedzerwa seIncensi Inowedzera
- Co-dzinonzi Motokari: kazhinji ine imwezve inshuwarisi kana vanhu vaviri vari pachirongwa vasati varoora kana kuti vakanyorwa sezita re insured pamwe chete. Somuenzaniso, kana vako vako vakakurudzira pamotokari uye iwe usingagari mumba mako, iye aizorongerwa sevhisi inowedzera. Iye haafaniri kuve akarongerwa semutyairi nokuti anogara kunze kweimba uye zvichida ane motokari yerinishuwarenzi . Sekugovera chikamu chemotokari uye mari yakawedzerwa inshuwarheni, ane kodzero yekubhadhara mushure mekurasikirwa kwese kana iwe nevose iwe uine chikwereti kudarika mari chaiyo yepamusoro yemotokari.
- Imotokari Inokodzwa: inofanira kugara iine kambani yekutengesa yakanyorwa sezvose kurasikirwa payee uye kuwedzera inshuwarisi, dzimwe nguva inonzi inosanganiswa. Kambani yekambani inoshandisa seye muvakwereti uye muridzi wemotokari. Mukurasikirwa kwakakwana , kambani yekubhajisa yaizowana chekuita chekutsvaga. Kazhinji, inishuwarenzi yepakati inotarisirwa pamabhadharo saka iwe haufaniri kunetseka pamusoro pekunze kwemari.
- Mutengi wemotokari Haasi Anonzi Akatsigirwa: Haasi mazhinji emakambani emishuwarenzi anobvumira vanhu kuisa motokari dzavasina. Zvitakurwa zvinosarudzwa zvinowanzonyanya kuoma pamusoro pekutonga uye zvinongobvumira kuti inshuwarisi iitwe muzita remunhu ari pachirongwa. Mamwe makambani akaenzana uye asingasviki makambani ekushuwarenzi haana mvumo kune avo vanovimbisa motokari. Kana iwe uchibvumira mumwe munhu kuti atsigire motokari yako uye kukuvara kwemuviri kunotengwa, chekuita chekutsvaga ichaenda kumunhu akachengetwa kunze kwekuti iwe uchinyorwa sewezve inshuwarisi.
Chinangwa Chokunyoreswa seIndesiti Inowedzera
- Inowedzera inshuwarisi inoziviswa chero nguva iyo shanduko inogadzirwa kumotokari. Kana kuvharidzirwa kuchideredzwa kuva inshuwarisi yekuchengetedza, inowedzera inshuwaridzi inoziviswa. Same inofamba kana motokari yacho yabviswa kubva mumutemo kana kuti kugoverwa inowanikwa kana kuderedzwa nenzira ipi zvayo. Iyo inochengetedza iyo yakawedzerwa inshumo muchepu pazvinouya pakudzivirira motokari.
- Zvimwe inshuwarisi zvinowanikwa mu inshuwarheni kudai payouts. Sezvo muridzi weimba inoshuwa, zita rinowedzera inshuwarisi iri pane zvakakwana kurasikirwa zvikwangwani.
Apo Inishuwarenzi Yokuwedzera inofanira Kubviswa
Imwe inshuwarisi inobviswa chete kana zita racho risati rasvika pane zita rekutsvaga. Mushure mokunge vashandi vakawedzera vasina chido mumotokari vanofanira kubudiswa pakarepo.
Kuva nechimwe chivimbiso chinyorwa pamutemo usina chekuita kunogona kunonoka kubvuma kubva pakugadziriswa.
Muridzi wemotokari ane kodzero yokubhadhara kana kugoverwa kwakarurama uye muridzi wacho ane chikwereti chiduku kudarika mari chaiyo chaiyo. Pasinei nokuti iwe uri wezve inshuwarisi kana iwe unoda kuwedzera imwe yehuturo yveshuwarisi, zvakakosha kuziva nezvekuti mari yakawedzera inoshanda sei. Iva nechokwadi chekuti humwe inshuwarheni inorongedzwa zvakanaka pamutemo wako nekutsvaga peji rako rekuzivisa kana kukumbira mujeri wako.