Asi chimwe chezvinhu izvi zvinonyengera iwe uchafanira kutarisana nacho ndeye inshuwarisi.
Isu tose tinofunga kuti tinonzwisisa kuti motokari yunivha ndeyei. Kana iwe ukapinda munjodzi uye motokari yako yakakuvara, unoiwana yakagadzirika uye inshuwarisi inoripa. Kana motokari yako yakazara kana kubiwa , iwe unobhadhara nokuda kwekutengesa motokari uye iwe unowana imwe. Iko kune mashomanana emakwenzi, sekutsvaga, asi zvakashata, zvakajeka nyore. Rudyi?
Kwete nekukurumidza. Pane zvakawanda zve "wrinkles" izvo zvisiri nyore uye, kana zvikaratidzika, zvinogona kuita kuti iwe uve musoro mukuru. Inishuwarenzi yeGap ingabatsira, asi inonyatso kukosha here?
Chii chinonzi Gap Insurance?
Iko, chokwadi, hazvibviri kuziva kana kutenga inshuwarisi yegengo yakakosha iyo inokosha kana iwe usingazivi kuti chii, saka heino tsanangudzo inokurumidza. Isu tose takanzwa kutaura, "motokari itsva inorasikirwa hafu yehuwandu hwayo nguva iyo iwe uchidzitakura kubva kune mujenya." Iye zvino, izvo hazvisi chokwadi, asi kukosha kunodonha zvikuru munguva shomanana mushure mekutenga , uye motokari yese yemotokari inorasikirwa nehuwandu hwakawanda mugore rokutanga.
Kutaura zvazviri, hazvina mhosva kuti motokari yako ndeyei paunenge uchiitenga, ndinogona kuva nechokwadi chokuti kunze kwekuti iri yemotokari yekare kana iwe wakanyatsotsanura mwoyo wako (uye kugadzirisa mari) mairi, ichave yakakosha kudarika iwe waibhadhara iyo munguva yegore mashoma. Ndiko kuwedzerwa kwewe.
Ngatiti iwe unotora chikwereti chemotokari, tenga motokari itsva uye uidzinge kubva mujenya.
Inokurumidza kukunda zvakakwana zvokuti kukosha kwayo kwekugarisa ikozvino kuderera pane zvaunokwereta nayo nezviuru zvemadhora madhora. Mwedzi mumwe mushure mekutenga, mumwe mutyairi anopfura motokari yako itsva uye akaitora. Inishuwarenzi ichakubhadhara iwe ikozvino chaiyo mari yakakosha (ACV) yemotokari iyo, sezvatakataura, ndeyezviuru zvemadhora zvishoma kudarika zvaunokwereta pachikwereti. Iwe uchaita sei musiyano? Ndiyo iyo inshurensi yegap inouya. Indishuwarenzi yeGap inokwereta policyholder kuti musiyano pakati peAACV uye mari inokweretwa pachikwereti.
Sei Munhu Wose Asina Mukana WeInishuwarenzi?
Haasi munhu wose ane motokari yakabiwa kana kuti yakazara gap inshuwarisi inodiwa. Inogona kungobatsira chete vadzidzisi avo vanobhadhara kutenga kwemotokari yavo itsva uye chete kwenguva iyoyo iyo motokari yavo inokosha kudarika zvavanokweretesa pachikwereti. Izvi ndizvo zvinozivikanwa se "kukwira pasi" pane chikwereti. Nguva iyo inogona kuva yakfupi kana kushamisika kwenguva yakareba zvichienderana neimwe kana zvimwe zvezvinhu zvinotevera:
- Ita uye muenzaniso wemotokari yatengwa : Zvose motokari itsva dzinoderera zvikuru mumwedzi mishoma yapfuura mushure mekutenga, asi vamwe vanowedzera kukurumidza kupfuura vamwe.
- Chikwereti chenguva refu : Paunotora chikwereti chemotokari kwemakore anopfuura 36 , mutero wako wekubhadhara pamwedzi unozove wakaderera, asi iwe uchabhadhara zvakawanda munguva refu, uye pachave nenguva yakareba apo ACV yemotokari yako richava zvishoma kudarika zvaunokweretesa pachikwereti.
- Kuisa mari shoma kana kuti kwete, uye / kana kukwereta zvinopfuura mutengo wekutenga : Kana uri chikwereti chaunotora mberi, nguva iyo "gap" ichave iripo.
Chii chinotarisirwa neGap Insurance uye inofanirwa?
Chimwe chinhu icho vanhu vazhinji vasingadi kunzwa nezvekuzvidira kuwedzera kudhura kwekutenga motokari itsva nekuratidza kuti maitiro ezvokuda zve inshuwarisi angave chinhu chakanaka kutenga. Nenzira yakanaka, inshuwarisi yegap yakaisvonaka isina mari. Iko inowanzovharasi yepurium yeruzhinji inotaridzirwa zvichienderana nekukanganiswa uye zvakanyanyisa kubhadhara mari inoburitsa muhutano uye inomhanya anenge mashanu kusvika matanhatu kubva muzana yemari iyo. Saka, ngatitorei mari yegore rokutanga yebhadharo ye $ 1,500, semuenzaniso. Chikamu chakazara uye chakakanganiswa chezvese ichocho chinenge 30% kusvika 40% kana $ 450 kusvika $ 600. Zvishanu kusvika kuzana kubva muzana zvezvinoreva zvinosvika pamadhora 22.50 uye $ 36 mari yakawedzerwa pamutengo wako wepambisi yemahara, uye izvi ndezvegore rose.
Yeuka zvimwe zvinhu zviviri. Chokutanga, sezvo motokari yako inoderedza, mari yekubata kwako kwakakwana uye kupopotedzana ichaderera, uye ndizvo zvichaita kuti mari yako igone kupera. Uye chechipiri, kana wapedza kusvika panguva iyoyo apo iwe hausisina chikwereti pane motokari yako pane iyo ACV yemazuva ano, iwe hauchazodi kuvharwa zvakare uye iwe unogona kuchirasha.
Nei Gap Inshuwarheni yakashata?
Kusiyana kwekuparidzira hakusvibisi nokuti mabhomanana mashomanana akambomira anopesana nemutemo wegap, uye iyo inoderedza mari yepamutengo yewe nevamwe vose.
Saka, inishuwarenzi yegap inokosha here? Izvozvo ndezvako kuti usarudze. Asi kana iwe uri kutenga motokari itsva uye hauna mari yakawanda yakawanda yakagara yakakomberedza apo chikwereti chako chiri chepamusoro, iwe unofanirwa kupa pachena mari yehupenzi kunyanya kufunga.