Iwe zvechokwadi uchazadza mamwe mapepa kana iwe uchibhadhara motokari yako kuburikidza nebhangi kana imwe nzvimbo yezvemari yepamutemo kunze kwekuti iwe uribhadharira motokari mune mari. Vatengesi vachada kurongerwa sekurashikirwa payee uye zvichida sevhisi yakawedzerwa pamotokari ivo vakashandisa mari yekutenga.
Asi nekutenda, hazvikwanisi kutenga mari yekuwedzera kurasikirwa payee kana kuwedzerwa inshurenzi kumotokari yako yemotokari.
Muenzaniso: John akatenga motokari ye $ 10 000 nemari. Akaisa hutano hwehutano hwehutachiwana pamotokari kuti azvidzivirire pakurasikirwa. Mwedzi mishomanana gare gare, akanga achiwira kumashure pamitemo uye akasarudza kuenda ndokuwana chikwereti chemotokari pamotokari yake. Akadana gurukota rake re inshuwarisi uye akakumbira kuti chikwereti chake chive chakanyorwa sekurasikirwa payee. Ichi chaiva chiito chega chega chaidiwa kuita shanduko. Motokari yemotokari yake haina kuchinja zvachose.
Vatengesi Vanoda Zvose Zvakakwana
Kana iwe ukatenga motokari nemari yako pachako, unogona kusarudza kuti utenge chete kutarisirwa zvishoma kunotarisirwa kwehurumende yako - asi iwe hauzovi nemukana wakadaro kana iwe uchibhadhara motokari yako. Mhedzisiro huru pakati pekukweretesa pamotokari kana kwete kana iri kuuya kune motokisi yerimari ndeyekuti vatengi vanoda zvose zvakanyatsotarisirwa nekugadzirisa kupararira pamusoro pehurumende zvishoma zvinoda .
Kudiwa kuti utakure zvakakwana uye kupopotedzana nemukweretesi wako zvinonyatsosimudza motokari yemari yako kana uchienzaniswa nehutano-hurumende chete.
Muenzaniso: John akatenga motokari ye $ 10 000 nemari uye akanga asingadi kubhadhara mari yakazara yekuvhara inshuwarisi nokuti akanzwa dambudziko rake rekukuvadza raiva rakanyanya kuderera.
Gare gare, akanga achiwira kumashure pamitemo yake uye akasarudza kutora chikwereti pamotokari yake. Mukwereti aida zvose zvakanyatsogadziriswa uye zvinokanganiswa. Motokari yake yemishuwarisi yepamotokari yakaenda $ 45 pamwedzi ($ 540 gore negore) pamwe nezvimwe zvinoda kugoverwa.
Ndinokwanisa Kuderedza Mari Yangu Mumwedzi Yechando Here?
Iwe unogona kufunga kuti kana motokari yako isiri kushandiswa gore rose, iwe uri kure nehove yezvinodiwa zvinowedzera, asi izvo hazvisi izvo zvakaitika. Mari dzakawanda dzinobhadhara mari dzinotarisirwa kutakura zvizere zvegore rese kusvikira chikwereti ichibhadharwa kubva kune chikwereti. Vamwe vanokweretesa vanozokubvumira kuisa motokari pakuchengetedza iyo isingashandisi asi mabhuku kubva kuinishuwarenzi yako inogona kudiwa pamwe chete nesigniniti yako ichiratidza kuti haungatungamiri motokari. Uyo anopa chikwereti angangove ane fomu chaiyo yaunofanira kutora kune wainishuwarenzi yako kuti vazadze. Kuchengetedza pamotokari kunogona kuva mari yakawanda yekuchengetedza uye zvakakosha kubvunza chikwereti chako kana zvichida.
Muenzaniso: John akabhadhara mari itsva inotendeuka kuti inotasva mumwedzi yezhizha. Anoda kuichengeta zvakanaka saka ane imwe yekare yaanotungamirira munguva yechando. Anobvunza wake chikwereti kana achikwanisa kuderedza inshuwarisi yake yekuvhara mumwedzi yechando kuti aongorore chete.
Iko chikwereti anobvumirana uye Johane anozadza fomu kunze ndokuenda nayo kumugovereri weinishuwarenzi kuti apedzise kuguma. John's inshuwarheni yehuwandu inoderedzwa nguva yose yechando kwenguva yakareba nekuda kwekushandurwa kwehuwandu. Anofanira kutaurirana nevarimi vake vehushuwarisi muchitsime kuti awedzere kufambisa zvakare kusvika pakuzara.
Munhu Anokweretesa Anoziva Sei Mukana Waunayo Pamotokari Yenharaunda?
Kubhadhara motokari kunouya nemapepa akawedzerwa. Iko chikwereti chichada kuwedzerwa kumotokari yemutambisi wemutambisi yako sekurasika payee. Inishuwarenzi yevatakuri inovandudza kurasikirwa payees kuburikidza nemishumo yechinangwa chipi nechipi kumutemo pamusoro pemotokari yavanoratidzwa pane. Inosanganisira kubhadhara nguva, kubhadhara kugoverana, uye kuregererwa kwemutemo.
Muenzaniso: John akabhadhara motokari itsva kuburikidza nechikwereti chekunyora uye akavarondedzera se kurasikirwa payee motokari yake yemotokari. Mwedzi mishomanana gare gare anowana kumashure pamushuwarisi wemotokari yake uye anokwereta kupfuura nguva yake yakakodzera.
Nenguva isipi, iye achiri munyasha dzake apo anopa chikwereti chake. Iko chikwereti chikamu chakagamuchira chiziviso chekubhadhara kuri kunonoka. Mukwereti anodana kambani ye inshuwarisi kuti aone kana kubhadhara kuri kubhadharwa. Simba rekubhadhara rinosimbiswa asi rakange risina kutumirwa rinogona kutungamirira kune chikwereti kuisa mutori wemotokari yemutatu pamotokari yake.
Kutenga Idzva kana Itsva Car
Pasinei nokuti uri kutenga motokari itsva kana kuvandudza kumotokari itsva, motokari yemotokari yako inogona kuchinja. Kazhinji mitengo inokwira nokuti uri kuisa motokari inodhura. Zvinhu zvakawanda zvinokanganisa mari yeinishuwarenzi . Zvose zvinosanganisira kuti itsva imotokari ndeyekuchengeteka kwayo inogona kukukanganisai mari yako. Nguva dzose chengetedza newaini yako yeinishuwarenzi kuti uwane tsananguro ye inshuwarisi usati waita motokari kutenga. Inishuwarenzi inofanira kuve yakaiswa mubhajheji yako usati watenga motokari.
Recap
• Kubhadhara motokari kunogona kukonzera motokari yako yveshuwarisi.
• Kunyora kurasikirwa kunokanganisa inshuwarisi yako.
• Vatengesi vanoda kukuvara kwepanyama kugoverwa kunogona kuwedzera yako inshurensi mari kana iwe usati wagara uchigadzirira kugoverwa.