Kuzvidzivirira ndiyo nzira yekuderedza yako inshuwaridhu mari nekuchengetedza huwandu hwekuchengetedza mari yekuchengetedza mari. Nokuchengeta gwaro rekuchengetedza rega iwe uri kuzvibvumira kuwana mamwe ematambudziko ako. Paunofunga nezveimwe njodzi yako isingagoni kuchengetedza iwe unogona kuderedza pakarepo mari yako yemainishuwarenzi, uchengetedze mari yako yepamusoro, uye ubudise mari yakawedzerwa kutenga mamwe yveshuwarisi yaungada.
A self-inshuwarima mari inonyanya kushandiswa kwemari yakagadzirirwa iwe kuti uishandise nokuda kweinishuwarenzi yako inoda. Iwe uchada kuziva kuti mari yakawanda yekuchengetedza mari inobhadhara chii iwe iwe unoda pane yako yaunoda inishuwarenzi. Nokuziva zvaunoshandisa kushandisa iwe-self-inshurensi mari yako ichakubatsira iwe kuziva kuti unofanira kuisa sei.
Nzira dzaunogona kushandisa yako Self-Insurance Reserve Fund
1. Bvisa zvaunoda zvemarudzi einishuwarenzi iwe unogona kutora njodzi iwe pachako. Semuenzaniso, unogona kukwanisa kutenga zvigadziriswa zvakaderedzwa pamagetsi, huwandu hwehupfighu yemotokari yemotokari yemotokari isingakoshi, kana inshuwarisi pazvinhu zvinokosha uye zvishongo kuburikidza kushandisa iwe-self-inshuwarima mari yekubhadhara mari yekutsiva zvinhu izvi iwe pachako.
2. Ita kuti motokari yako uye pamba zvikwanise kukura. Nokugadzira motokari yako uye yemusha inshuwarisi inodhura yakawanda, iwe uchange uine inshumo iwe (kuburikidza newe self-inshuwarisi) yemari kusvika ku deductible iyo ichaita kuti iwe udzikise pakarepo kubhadhara kwako kwepayimusi.)
3. Kutarisa nguva yako yekumirira nekuremara.
Munhu wose anoda inishuwarenzi yekuremara uye kana iwe uchida kukwanisa kuzvipa iwe unogona kushandisa yako self-inshuwarisi mari yekukubvumira kubvuma kwenguva yakareba kumirira usati huno inshurensi yako yakaremara inotasva iyo iwe pachako ichaita kuti iwe uve nemayero emadhora.
4. Enda kune "inshurensi yehutano yehutano." Nokutsvaga kuhutano hwehutano inshuwarisi iyo inongopedzisira yave inotora zvakanyanya deductible, iyo dzimwe nguva inonzi injodzi yehutano inshuwarisi, unogona kuchengetedza mari yakawanda pamishonga yako yemainishuwarensi yehutano. Nokushandisa urongwa uhwu hwehutano, iwe uchishandisa self-inshuwarheni kuti ubhadhere chiremba wako anoshanyira uye maitiro ezvokurapa zvishoma uye hurongwa hwehutano hwehutano huchakurumidza huchavepo sehutano hwekuchengetedza kana hurumende yakakura inotanga kubuda.
Kana ukasarudza kuzvidzivirira iwe pachako, iwe uchada mari yako kukushandira iwe apo ichimirira kushandiswa. Nzira yakanakisisa yekuchengetedza iwe pachako-inshurensi mari inoshanda kwauri ndeyekuiisa iyo. Mari yako inofanirwa kunge iri muzvikamu zvenguva pfupi inotengeswa iyo inogona kukurumidza kushanduka kuva yakashandiswa mari pasina kurasikirwa kukuru mukoshi. Izvozvi marudzi ekutsvaga mari aizosanganisira mari yemari yemakambani uye / kana mari pamwe chete . Dzivisa mari yakareba kwenguva yakareba yakadai sematokisi uye zvisungo sezvo zvisingakodzeri nguva shomanana yekubhadhara mari yakadai sekuzvipira kwehupfighu.
Kana iwe uchida, iwe unogonawo kusarudza gwaro rekuchengeta. Kudzoka kwako paakaunti yekuchengetedza ichave yakaderera asi ichaita kuti iwe uwane nekukurumidza kuwana mari yako panguva imwe chete uchiwana zvishoma kudzoka.