Pano Pane Zvimwe Zvaungaita Kuti Zvokubatsire Sarudza Ndekupi Kwokutenga Mari Yako Inoshuwarenzi
Iwe haufaniri kutenga inshuwarisi yepengo kubva kune mutengesi, une zvimwe zvingasarudzwa zvokutenga mari yako yemainshuwarisi kana iwe ukasarudza kuitenga iyo paunotenga kana kukodha motokari.
3 Zvokusarudza Kana Uchitenga Gap Inishuwarenzi Pamusoro Penyu Yenyu Itsva
- Kubva painishuwarenzi yako - zhinji makambani zvino anopa inshuwarisi yegap, nguva dzose chengetedza kambani yveshuwarisi kutanga.
- Kubva kune anishuwarenzi yepaIndaneti inopa Gap Insurance
- Kubva kune vatengesi
Kana iwe usingazivi kuti ndeipi inowanikwa mari yako yemainshuwarisi, uye iwe unoda kubatsirwa, kana unonzwa uchimanikidzirwa kutenga iyo kune mutengesi, unogona kutaurira mushandi wako wehushuwarisi kana hurumende inshurensi yehurumende kuti uwedzere kubatsirwa kana kutungamirirwa pane zvaunogona.
Chii chinonzi Gap Insurance?
Inishuwarenzi yeGap inodzivirira vanhu vakashandisa mari kana kubhadhara motokari yavo kubva pakubhadhara mari yakawanda kupfuura iyo motokari inofanirwa muitiko wekurasikirwa zvachose. Inishuwarenzi yeGap inokuchengetedza kubva pakubuda muhomwe. Zvakakosha kunzwisisa kuti nei inshuwarisi isina kukwana ichikosha uye kuti inoshanda sei kana uri kutarisa kuitenga.
Muenzaniso wekuti Inishuwarenzi yeGap Ichashanda Sei mu Car Car Claim
Kana iwe uine kurasikirwa kwakakwana, kana mumwe munhu achiba motokari yako uye kukosha kwemotokari yako iri pasi pezvaunokweretesa, iwe unokwereta chikwereti, bhangi kana kuderedza mari iri muhomwe yako, nokuti inishuwarenzi yako inopa chete kukosha kwechokwadi yemotokari panguva yekurasika uye kwete chaunokweretesa.
Fungidzira iwe kutenga kana kukodha motokari ye $ 30,000. Iwe unopa mari imomo kwemakore manomwe. Munguva yemari yekubhadhara mari, iwe uchange uri kubhadhara chikwereti, naizvozvo kunyange zvazvo motokari inokosha iri $ 30,000, iwe uri kunyatsobhadhara kukosha kwemotokari pamwe nezvimwe zviwanikwa uye mari inowanikwa kubhadharo kana kubhadhara.
Ngatitii mari yakawanda $ 35,000, kuitira kuti zvinhu zvive nyore. Saka wakabvumirana kubhadhara $ 35,000 kwemakore manomwe. Imotokari yako inongorodzwa pa $ 30,000. Mari yako inenge madhora 420 pamwedzi. Mushure megore nehafu, wakabhadhara $ 7560, iwe uchiri kukwereta $ 27,440. Iwe une kurasikirwa kwese, zvichida nokuti mumwe munhu anobata motokari yako kana akarova motokari yako uye kukanganisa kwakanyanyisa kudarika kukosha kwemotokari, kana iwe une njodzi ine mhosva. Kambani yeInishuwarenzi isina bhuwarisi yemajeri inokwereta chaiyo mari inokosha yemotokari panguva yekurasikirwa. Ngatiti mushure megore nehafu, kukosha kwemoto ndiko $ 24,000. Kambani yeInishuwarenzi inokuudza kuti varikupa $ 24,000 nokuda kwekurasikirwa kwese. Inonzwika huru, kunze kwekuti iwe uongorore mari yakawanda yaunokweretesa pakubhadhara mari yako, unoona kuti uri $ 3 440 kubva pakubhadhara motokari yako. Kana iwe wakanga uine njodzi yakakonzera, iwe uchazofanirawo kubhadhara deductible , iyo inogona kukuisa pedyo ne $ 4000 kunze kwehomwe isina motokari kuratidza. Iyi ndiyo iyo inshuwarisi yepakakosha inokosha. Ona mimwe mimwe mienzaniso yekuti inshuwarisi yepakati ingashanda sei pano
Iwe Unoda Kutenga Gap Insurance?
Vanhu vazhinji vanoziva kuti vanofanira kutenga bhuwarisi yemajeri, zvisinei iwe hausungirwi kutenga inshuwarisi yepengo sechikamu chemadiki emotokari inotarisirwa .
Kana iwe uchida kuverenga zvakawanda pamusoro pehushuwarisi yegap uye kodzero dzako, uyewo mamwe mashoko okukubatsira kuti usarudze kana iwe uchida mari yemajisitiri, taisa pamwe chete mamwe mashoko kwauri munyaya yedu "Kunzwisisa Gap Inishuwarenzi uye Kodzero Dzako"
Chengetedza Gap Waiver Zvigadziro muSungano Yechibvumirano
Usati watenga inshuwarisi yegengo, ita nechokwadi uye uone kana uchida. Zvimwe zvibvumirano kuburikidza nemakambani emari kana makambani ekubhaisa motokari anogona kuva neGap Waiver Provision iyo inokukanganwira pamusiyano uri pakati peinishuwarensi yekubhadhara, uye mari yaunokwereta.
Tsvaga Pamusoro peGap Waiver - Hasi Munhu Wose Anoda Gap Insurance
Usafunga kuti iwe une chirongwa chekuvhara, nokuti haisi zvibvumirano zvose zvine urongwa uhwu, asi kana iwe uine mukana wekuti uve neumwe, zvinoita kuti uwane ruzivo rwekutsvaga usati warasa mari yako.
Kutenga Kwepfungwa Yako Yveshuwarenzi: Chenjererai Mamiriro Aya
Vamwe vatengesi uye makambani emari vanogona "kuisa" iyo inshuwarisi yepakure iyo iwe nekutenga kwemotokari yako itsva kana kukodhara. Ngwarira tsika iyi uye iva nechokwadi chokuti uwane zvese nokuti zvinogona kukutengera mari yakawanda.
Chii Chingaita GapuInishuwarenzi kuMutengesi kana Kupinda Mubhadharo yeMotokari Zvimwe Zvokudhura?
Paunowedzera inshuwarisi yepakabheti kumotokari yemotokari yako kana kubhadhara, unogona kuguma uchibhadhara chikwereti kune inshuwarisi yegap nokuti inogona kuva chikamu chemari yakabhadharwa.
Mumamiriro ezvinhu akadai, iwe unogona kubhadhara mari yakawanda nekuda kwehushuwarisi yepasipo nekuda kwemari yemari nemari yekufarira kana iwe uchiwedzera kune chikwereti chako chemotokari.
Nokutaura nehunijhenesi yako yehushuwarisi nekuwana kuti mari yekuwedzera mari yehushuwarenzi yako kune inishuwarenzi yako, iwe hausi kuzobhadhara kufarira kufanana nemari yemari yemotokari uye kubhadhara .
Kana iwe uchifunga nezvazvo mumashoko aya, pane mukana wakaisvonaka iwe uchazvichengetedza iwe mari yakawanda nokusarudza chisarudzo chisingashande pachako mumitero yako yemari yako.
Iwe unogonawo kubatsirwa nechisarudzo chekudzivisa kubhadhara panguva ipi zvayo kana ukasarudza inshuwarisi yepakure haisisina kukosha kwauri. Kana ichishandiswa mune mari yako yechikwereti kana kubhadhara mari, iwe uri kuripira kuri iyo nguva yekubhadhara mari.
Mazano Usati Watenga Gap Insurance
- Nguva dzose chengetedza kutanga nekambani yako ye inshuwarisi kuti uone kana ikozvino inosanganisira inshuwarisi yegap mumotokari yako yveshuwarisi. Hapana chikonzero chekutenga bhizinesi yemajeri kana iwe uchitova nehuwandu. Panogona kuva nekubvumirana iwe unogona kuwedzera kwekambani kadiki,
- Iva nechokwadi chekuti unoda mari yechipujisiti. Inishuwarenzi yeGap inobatsira kana wakatora chikwereti kubva pamotokari uye iwe unonetseka kuti motokari iri kana kuti ichaderera nokukurumidza kudarika iwe uri kubhadhara chikwereti kana kubhadhara. Iwe unogona kutarisa hutsika dzemotokari dzenhasi kuti uwane pfungwa yekuderera paEdmunds.com kana Kelley Blue Book. Izvi zvinongokupa pfungwa, hapana nzira yakasimba yekuziva kukosha kwemotokari yako munguva yekurasikirwa, asi iwe unogona kuita zvimwe tsvakurudzo kuti unzwisise kuti ingozi yako ingave iri.
- Iva nechokwadi chokuti iwe unogona kubvisa inshuwarisi yepasipo chero nguva iwe uchisarudza kuti hapasisina chero kukosha pakuratidzirwa kwepakati. Somuenzaniso, kana chikwereti chako chabhadhara pasi zvakakwana zvokuti motokari yako inokosha kudarika zvaunokwereta.
Mari yechikwereti kana mari yekutengesa Kubva kuInishuwarenzi
Kana iwe ukashevedza inshuwarisi yekambani uye ivo vanokupa chikwereti / kubhadhara mari panzvimbo ye "Gap Inishuwarenzi" inogona kungova nyaya yerumoyo yakasiyana yechinhu chimwe chete. Vabvunze kuti vatsanangurire kugoverwa uye kuti inoshanda sei kwauri kana iwe uine mukana muhuwarisi yako yekubhadhara mubhadharo uye chii chaunokweretesa mumotokari yako yekwereti kana kambani yekukodha. Iro sarudzo yekuwedzera kune chinangwa chako chiripo chinogona kukuchengetedza mari yakawanda nokuti haugoni kubhadhara mari yekubhadhara mukati mako nemari yako yemari. Iwe unogonawo kukwanisa kuibvisa pane chero nguva iyo inobatsira pashure pemakore mashomanana apo iwe wakabhadhara chikwereti chako pasi.
Kuvandudza Gap Inishuwarenzi, Icho Chinangwa Chakanaka Here?
Ongorora kudikanwa kwekuchengetedzwa kwenyika inshuwarisi gore negore, sezvo chikwereti chemari yako chikwereti chichiderera, iwe unoda mari yehupuru inogona kuparara zvakare.