Kunze kwePocket Insurance Incills
Nekukwirira kwemotokari yemotokari mumhizha nhasi, munhu wose anotakura zvishandisi zveshuwarenzi. A deductible idhora rinorema iwe unobhadhara muhomwe kuti ugadzire motokari yako isati yashandiswa nehupfenyuro yehushuwarisi. Iyo yakakwirira kunze kwehomwe mari yaunotora, aka yako deductible, pasi yako yose inishuwarenzi mari.
01 Nemhaka yei makambani einishuwarenzi anopa zvikwereti?
Muenzaniso: John akazorora pamusoro pechando uye akachera tsvina yevarindi. Akatorerwa $ 500 asi muongorori kugadzirisa motokari yake $ 450. John achada kubhadharira kugadziriswa oga pachake pasina chikonzero chekuisa chibvumirano neye inshuwarisi yekambani.
02 Ndeipi iyo motokari yeruzhinji inowanikwa inowanzouya ne deductible?
Haasi yose yemotokari yeruzhinji inouya ine deductible. Mhosva uye kukanganisa kwepfuma kazhinji hazvipi kupa chinokwaniswa chakanaka. Kunyatsosangana , kupopotedzana, uye kurapwa ndizvo zvipfeko zvepaduku zvinopa zvikwereti.
Muenzaniso: John anoda kugoverwa zvakakwana pairi ye Ford Ford. Anosarudza $ 100 inobhadharwa yakazara, $ 500 inobviswa nokuda kwekupesana, uye $ 300 inobviswa kuchiremba. Iye achangoda kubhadhara iyo yakagadziriswa kuhuwandu hunoshandiswa kune rimwe chirevo. Saka kana John ari pangozi yemotokari imwe uye achikuvadzwa, achabva ane mhosva yezvose zvinokonzerwa ne $ 500 zvakakonzerwa uye $ 300 inobviswa kuchirapa.
03 Chii chaunotsvaga iwe unofanira kusarudza?
Kusarudza deductible kunotora kufunga. Icho chinonyatsoitika kune zvaunoda. Hapana munhu anogona kukuudza zvaunofanira kuita nokuti ramangwana hazvizivikanwi. Uchaenda makore asina chiremba here? Kana, iwe unenge uri mungozi mangwana here?
Muenzaniso: Bhizinesi inoda kuti Johane atange kunyatsogadzirisa pairi yake. Ari kutambura nechikwereti uye ava pedyo nekushaya kukwanisa kuita inshuwarisi yake. Anosarudza kuenda nemadhora gumi nemadhora ekubvumira pane zvese zvakanyatsogadzirisa uye kupopotedzana kugutsa bhangi nekuderedza mari yake yveshuwarenzi. Ari kubvuma njodzi ye $ 1000 nokuda kwekukanganisa kupi zvayo pamotokari yake.
04 Iwe unobhadhara rinhi paunenge uchibvisa?
Deductibles inowanzobhadharwa panguva yaunowana motokari yako yakagadziriswa. Kana motokari yako iri kurashikirwa zvachose, kambani ye inshuwarisi ichabvisa kubviswa kwekubhadhara kubva pamari yako.
Muenzaniso: Ngoro yaJohn yakabiwa uye mapurisa haana kumbova nerombo rakatora motokari. Mushure memazuva makumi matatu apera, John inshuwarisi yekambisi yakabhadhara mari chaiyo yegori rake kuderedza $ 1000 yakazara deductible.
05 Unogona here kuchinja yako yakabviswa?
Vazhinji vekutakura inshuwarisi vanokubvumirai kuti muchinje matanho enyu emotokisi chero ipi zvayo. Kurera kwako kunotswa kune imwe yepamusoro inenge isina kumbova dambudziko. Ndiko paunenge uchienda kunoderedza iyo yakabviswa yako inshuwarisi inogona kukuda iwe kuti uone kuti iwe hauna kurasikirwa. Kuongorora kunogona kunge kuri mazwi asi mumamiriro ezvinhu akaipisisa mifananidzo kana kuti pane kuona kuongorora kunogona kudiwa.
Muenzaniso: John akabhadhara motori yake. Iye zvino haafaniri kubhadhara mari iyo yemari yakakwirira kuitira kuti adire kuderedza mari yake muhomwe kuti aidzivirire. Anokumbira kuti aderedze mari yake yakabviswa pane zvose zvakakwana uye zvakakanganisika kubva pa $ 1000 kusvikira ku $ 500. Mujeri wake wehushuwarisi anoongorora nokukurumidza motori yake uye iyo yakabviswa inoderedzwa. Zvino kana njodzi ichiitika, John haafaniri kuuya nemari yakawanda kubva muhomwe kuti agadzire motokari yake.
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