Mitemo nemamiriro ezvinhu zvinotsanangurwa muzvikamu zvemurairo. Zvinonyanya kukosha kunzwisisa chikamu chakasiyana chepurogiramu uye chii chingawanikwa.
Covered Autos
Imotokari dzakaputirwa nebhizimusi motokari yerinishuwarenzi ndeye iyo inowanikwa, inobhadharwa, yakabhadhara kana yakweretwa nebhizimisi uye yakagadzirirwa kuendeswa mumigwagwa yevanhu vose. A "chiratidzo 1" inopa huwandu hwakawanda hwekugovera hunoonekwa uye hunoratidza kuti chero motokari yakavharwa. Chiratidzo chechipiri chaisanganisira vashandi, vashandi, uye vasina autos. A "chiratidzo 7" inonyanya kupindira uku kwekutsvaga zvakanyatsorondedzerwa pane peji rekuzivisa mapeji.
Covered Drivers
Mutyairi akavharidzirwa pamotokari yemotokari yemapurisa kune vashandi vebhizimisi anogona kuva muridzi iyeyo kana vashandi vake. Mutyairi akavharidzirwa ndiye mubhizimisi iye pachake kana ani zvake ari kutyaira motokari yakavharwa nemvumo yeainzi anishuwarenzi. Kuparidzirwa hakushandi kune munhu ari kutengesa, kushanda, kugadzirisa, kana kupaka motokari, kunze kwekuti iyi ibhizimisi re inshuwarisi.
Liability Coverage
Kuvharirwa kwemhosva kwebhizimusi motori yomshuwarisi mutemo inobhadhara mubhizimisi webhizimisi mutemo wemhosva nokuda kwekukuvadza kunokonzerwa kune vamwe nedambudziko rakavharwa rinokonzera kukuvadzwa mumuviri kana kukanganisa kwemuviri. Kambani yeInishuwarenzi ichadzivirirawo bhizinesi repamutemo kupikisana nematare edzimhosva uye kudai kusvika kumiganhu yemitemo.
Kukanganisa Kwepanyama Kuputika
Kuora kwepanyama kunogona kuwedzerwa kune bhizinesi auto inshuwarisi purogiramu. Kukanganisa kwepanyama, iyo inozivikanwa seyakakwana uye kupopotedzana kwekugoverana, inosanganisa kukanganisa kwe insureds autos semugumisiro wengozi yakavharwa mumutemo. Kusawirirana apo apo motokari yakavharwa inoputirwa nemumwe motokari kana chimwe chinhu. Zvose zvinogona kushandurwa zvisina kufanira sechinhu chipi zvacho kunze kwekupesana. Mimwe mimwe mienzaniso yakazara yekutsvaga ichave yekukuvara kunokonzerwa nemoto, mhepo, chimvuramabwe, kuparadza, kana kuba.
Mamiriro ezvinhu
Izvo "zviitiko" chikamu chebhizimisi chemabhizimisi yemitemo inonyora mabasa epamutemo ehu inshurenzi nekambani ye inshuwarisi. Mumamiriro ezvinhu chikamu chemurairo, uchawana ruzivo pamusoro pemitoro yekubhadhara premium yerurimi, kuti iwe ungaisa sei kudai uye nzira yekugadzirisa kukakavadzana.
Tsanangudzo
Tsananguro yezvikamu zvebhizimisi muridzi webhuwarisi purogiramu ndiyo iyo mubati wemutemo anogona kuwana izvo zvinonzi "kudhindwa kwakanaka" kwemutemo. Ichi chikamu chinotsanangura kodzero dzako semubati wemutemo uye mazwi anowanzoshandiswa mukati mehutano anotsanangurwa. Zvakakosha kunzwisisa tsanangudzo semamwe emashoko anoshandiswa mukati mehutano anogona kuvhara kana kuvhara kugoverwa.
Kana usina mubvunzo nezvebhizimusi auto inshuwarisi yemitemo yakakunakira iwe, mutambi weinishuwarenzi anogona kutsanangura mukunyatsotsanangurwa kuti ndezvipi zvinoshandiswa pakisarudzwa zvinotarisirwa uye izvo zvingasarudzwa. Wemugove wako ane makore ane ruzivo nemabhizimisi emitemo yemigodhi uye anogona kubatsira kugadzira bhizinishuwarenzi yemotokari yemitemo iyo yakakodzera iwe uye yako yega yebhizimisi mamiriro ezvinhu. Iwe unogonawo kutora nguva yekuita yako pachayo kufananidza kutenga mabhizimusi neInishuwaenzanisa mapeji.
Paunosarudza kambani yemishurenzi yebhizimisi rako rega auto inshumo, ita mamwe mahofisi emakambani uye uwane huwandu hwahwo neBusiness Business Bureau pamwe chete nehuwandu hwesimba rehutano achishandisa zvitsva kubva kumasangano ehurumende yehushuwarheni akadai AM AM , Standard & Poor's uye Moody's .