Njodzi dzevadzi dzinokanganisa nokuti dzinowanzoitika nekuda kwechimwe mhosva chekutyaira - uye haisi kufanana neshiri ine kambani ye inshuwarisi iwe unogona kutaurirana nayo!
Kupopota kunofamba-famba pamusoro pezvikwereti zvinokonzerwa nokuti njodzi yemhuka ine chiito chaMwari. Kana kuti hurumende inobhadhara yako yakagadziriswa nekuda kwenhamba yakawanda yezvikara. Hazvisizvo mune imwe nyika kana kune imwe kambani yveshuwarenzi. Chero kana kuti kwete chekudzikinura chinoshandiswa kunobva pane kuti iwe wakatanga sei motokari yerishuwarenzi kumusoro.
Kana iwe chete uine inshuwarisi yemhosva, iwe unenge usiri kunze kwematambudziko. Asi kukanganisa kwemotokari yako kubva pakurova chikafu kunovharwa pasi pehuwandu hwehuwandu hwemashoko, kana mutemo / kuwedzera pane dzimwe nguva kunonzi "zvimwe kunze kwekupopotedzana" - kunyange zvakadaro, zvinokubatsira iwe kana pane kukanganisa, zvakare! Mamwe makambani anopa zero-deductible pane zvakakwana, asi iwe unobhadhara mutengo wakakwirira wechinhu ichocho. Chinhu chiduku chinokonzerwa chinokurudzirwa nokuti chichabatsira kuderedza mari yeinishuwarenzi yako. Panguva iyi, ichiri kukwanisika kana iwe uchienda uchivhima nemotokari yako.
Kurasikirwa Kunoshanda Sei?
A deductible ndiyo mari yaunobhadhara muhomwe apo inshuwarisi yako inobvumirwa.
Kuva neductible, kana kunyange imwe yakakwirira, kunoderedza mari yakawanda yemotokari yako yveshuwarisi. Makambani eInishuwarenzi anovada nokuti vanoziva kuti une chimwe chinhu chakasimwa, ichikurudzira kuchengetedza motokari yako. Uye iwe unofanirwa kuvada, zvakare, nokuti mumakore iwe hauna ngozi, chero bedzi iwe ukaisa mari yacho parutivi (zvichida mubhuku rekuwana-kuwana mari yekuwana?), Zvingave zvakadaro iwe pakuguma kwe gore pane kuenda kune kambani ye inshuwarisi!
Asi zvakadaro, vanhu vakawanda vanovenga zvikwereti. Vanofunga kuti havafanirwe kubhadhara chero kupi nekugadziriswa sezvo vari kubhadhara mari yakakwirira ye inshuwarisi. Chinhu chacho ndechokuti, ivo vanodiwa. Funga nezvemari yakawanda sei iyo inoda mari yekambani yeinishuwarenzi kugadzirisa motokari yako pangozi, uye funga pamusoro pehuwandu hunochengetedza huine kunyange mari shoma shoma. Zvino funga nezvekuvabvisa. Zvose mari yemishumo yehupfighu yemotokari ingasakanganisika. Deductibles inopawo vatyairi zvinokurudzira kuedza kuchengetedza motokari zvakanakisisa zvavanogona.
Sarudza Zvakanakisisa Deductible kuti Zvive Zvakawanda
Chii chinokonzera zvakanaka kubviswa? Mutengo wekugoverana uchienderana nedhora rekudha. Chengetedza mari yezvakasiyana-siyana zvinokonzerwa nemiganhu. Ndinotenda iwe uchawana, iyo yakaderedza yakawanda pahuwandu hwakazara hahudziviri mari yakawanda. Kazhinji, iyo yakaderedzwa yakaderera pane yakazara ndiyo nzira yakanakisisa. Saka njodzi dzakawanda, zvinokonzera kurasikirwa, zvinowira pasi pekuvharidzira zvichiita kuti zvive nyore zvikuru pane imwe nguva munguva iwe uchaisa kuda.
Zvose hazvina kungovhara njodzi dzemotokari. Ichavhara kukanganisa nekurova mhuka , moto, kuba , kuparadza , kugwa kwemiti , chimvuramabwe , mafashamo , uye zvimwe zvakarasikirwa nemamiriro ekunze. Iyo deductible yaunosarudza yekutarisana kwakakwana ichashandiswa kune dzose idzi marudzi ekurasikirwa.
Iva nechokwadi chokuti iwe unokwanisa kutenga motokari yako yveshuwarisi uye yako yakagadziriswa. Saka vanhu vazhinji vanosarudza zvakashata deductible. Zvimwe vanosarudza zvakaderera zvekudhakwa kuita kuti sarudzo inodhura zvikuru kana kusarudza yakakwirira zvakanyanya seductible kuigadzira kuitira kuti irege kugona motokari yavo kugadziriswa kana kukanganisa kuchiitika.
Dana Mutori Wenyu Wemainishuwarenzi
Deductibles ndiyo hurukuro yakasara yakasara kune wako. Tsvaga zvaunosarudza, izvo zvauri kuita iyezvino purogiramu yako, uye usarudze kuti ndeipi nzira yakanakisisa iwe nemhuri yako. Ikoko pasina chakanaka chisarudzo chisina kunaka, mazvigaro zviripo kuitira kuti iwe ugone kutsvaga zvakanakisisa kune imwe mamiriro ako. Pasinei nezvaunosarudza, ziva kuti iwe unenge uchida kubhadhara yako yakagadzirirwa kana iwe uchirova nondo kana kunyange kana nondo yakakurova iwe.
Iwe pachave uchange uine ruzivo rwakanakisa kuwana nyika kubhadharira kukanganisa kwepothole kunokonzerwa nekukanganisa kwenzara, zvisinei, kunyange izvo zvingava zvakaoma zvikuru.