Iwe unogara muguta guru rine ruominghare economy, uye iwe unogona kuva nemotokari uye uine maawa mashomanana asina maawa manheru oga oga, saka unosarudza kuva mutyairi weimwe yezvikwereti zvakakosha zvekushandisa muguta rako. Zvinhu zviri kuitika zvakanyanya: uri kuita ruzivo rwakawanda rwekuwana mari yakawanda, uchiona zvikamu zvitsva zveguta rako, uye uine hurukuro inonakidza nevatashanyi uye vagari vemo. Imwe usiku inononoka, sezvo iwe uri kutenderera nzvimbo yakakura yedhorobha iri kutsvaga vatasvi, iwe unotarira pasi kwechipiri kuti uchinje redhiyo uye zvisina kukanganisa tenga motokari mberi kwako.
Hapana munhu akakuvara, asi imwe yemota yakakanganiswa - uye iyo ndiyo mhosva yako. Nenguva isipi, iwe une inshuwarisi yakakanganiswa nechepasi rakaderedza, saka iwe nemumwe mutyairi unosarudza kutumira mapurisa uye kuisa mushumo wezvakaitika kuitira kuti kambani yako yveshuwarenzi inogona kutumira mumwe mutyairi cheki chekukuvara. Mapurisa anouya uye anotora mashoko evanhu vose uye chaizvoizvo zvakaitika, kusanganisira chokwadi chokuti iwe wakanga uchityaira nekambani yakashata panguva yechiitiko chacho. Iwe nemumwe mutyairi makatsinhanisa ruzivo rwekukurukurirana uye munhu wese anofarira mumwe nomumwe husiku hwakanaka. Kusarudza kuti urege kuedza, iwe unosarudza kupedzisa kuchinja kwako kuitira kuti iwe ugone kudzokera kumusha manheru ezvo uise iwe inshuwarisi yekutaura uye uwane dambudziko iri pamusoro.
Sezvaunenge uchinwa kofi yako mangwanani kwemazuva mashomanana gare gare, unowana foni kubva kumumiriri wako weinishuwarenzi, uyo anoitikawo kuva shamwari yemhuri. Akasuruvara zvikuru kukuzivisa iwe, anoti, kuti kuda kwako hakugoni kuitwa.
Sezvaanopfuurira nemashoko acho, anotanga kunetseka uye anobva akuudza iwe kuti nokuti iwe hauna kuzivisa kambani yako yveshuwarisi usati wava darehare riderhare kuti ukurukure kugoverana nekusarudza, sarudzo yako yakabviswa nekambani . Chii chauri kuda kuita iye zvino, anobvunza, nekutaura sekutambudzika sezvaunofanira kunzwa?
Unopfira kofi yako.
Kana iwe uri umwe wezviuru zvezviuru zvevanhu vanoshandisa kana kuongorora kushandisa motokari yavo kuti vave mutevedzeri wenguva yakazara yekambani yakashamwaridzana, iwe unogona kufunga kuti unogona kungoona purogiramu yekodzero yehupenyu uye iwe uri munzira yako kuti uwane mari yakawedzerwa - asi funga zvakare. Kana iwe uchida kuve mutyairi we rideshare, unoda kuwana inshuwaridhe ye rideshare kana njodzi dzinokonzera mari muhuwandu.
Ndinoda Ridestre Insurance?
Kana kambani yaunofambisa nayo inopa kugovera pamberi, panguva, uye shure kwekutora vatasvi kana iwe wakambotenga bhizimusi auto inshuwarisi mutemo, uri muhombe: iwe unenge usingadi rideshare coverage. Zvisinei, iwe unogona kunge uine njodzi yokurasikirwa nehupfumi hwako pachako kana iwe usingaregi kuti iwe uri mutengesi wekambani kune imwe inshuwarisi yekambani yako, saka zvakanakisisa kuita izvi usati wayera zvamungaita. Kana iri nharo, kana iwe uchifambisa kune imwe yekambani dzakawanda dzinokwidziridzwa dzisingatauri kugovera panguva dzose dzekutyaira kwavari, iwe unoda inshuwaridhe ye rideshare. Kunyange kana vachiramba vachikusimbisai, yako auto auto inshumbisi haifaniri kuvhara chero mari inoshandiswa paunenge uchityaira kwehudhidhi yehutari.
Hurumende imwe neimwe ine mazano ayo pamusoro pekushandura inshuwarisi, saka zvakakosha kuita tsvakurudzo yako.
Chii chinonzi Rideshare Insurance Cover?
Kana iwe uine app rideshare yako uye watopinda mairi, kune zvikamu zvitatu zvakasiyana-siyana: panguva yePa1 yega iwe wapinda mukati uye wakamirira mutengi kukumbira kutasva. Munguva yeChikamu chepiri, wakagamuchira mutasvi uye unoenda kundotora. Munguva yeChitatu chechitatu, uri kutora mutengi wako kubva paApost kuti aone B. Zvikwata zvakawanda zvekushanda zvinotsigira madharairi avo panguva yechipiri neyechitatu, asi vazhinji havafukidze vatyairi panguva yeChikamu 1, vachikusiyirai pangozi huru, kubva pamunhu wenyu auto inshuwarisi zvichida hazvikufukidzi munguva iyi, kana.
Nyaya yehushandi yakawanda ye rideshare inobatsira pakufukidzira iwe panguva yekutanga 1, kunyange zvazvo mamwe mazano anokufukidza iwe muchikamu chechipiri ne3 uyewo kubva pane zvakawanda zvekushandura zvikwereti zvakagadziriswa zvakakosha zvekugovera panguva idzi.
Kana izvi zvichiita zvakaoma, usanetseka: makambani mazhinji einishuwarenzi ari kupa zvirongwa zvehushuwarhu zvakasvibiswa izvo zvinoshanda semapurisa ega ega uye e-rideshare kuti vasapesana.
Mitauro ye Ridestre Insurance
- Hybrid Insurance. Sezvambotaurwa, inishuwarenzi yakasanganiswa inokufukidza iwe nguva dzose uye inopesana pakati pehutano hwemunhu uye purogiramu yakarongeka. A
- Kutengeserana kwebhizimisi. Kazhinji zvinodhura zvakanyanya, kutengeserana kwezvokutengeserana kwakagadzirirwa vatyairi venguva yakazara kana vatyairi vemotokari huru. Zvichipa kudhakwa kwakanyanya kwekugoverwa kwezvinhu zvakawanda zvekugadzirisa maitiro, izvi zvakapetwa kaviri zvinogona kupa humwe hutano hwepfungwa.
- Chikamu 1 chinyorwa. Inoshuwarenzi ye rideshare iyo inofukidza mutyairi panguva yechikamu chekutanga. Iri sarudzo inogadzirisa musiyano pakati pehuwandu hwemapurogiramu akawanda anopa mafambisi avo uye kugoverwa kwemitemo yemutyairi weyoyo. Kunyange zvazvo mamwe makambani anokwidziridzwa anopa kugoverwa kwechikamu chekutanga, inopesana nehurumende uye kazhinji haisi kukanganisa kugoverana.
- Rideshare-friendly friendly policy. Zvaunoita iwe pachako auto auto inshuwariti kana iwe uine rombo rakakwana kuti uve nemupiki uyo haazokusiyi iwe kuti uve mutengesi we rideshare. Iyi mitemo haifaniri kukufukidza panguva yechikamu chekutanga, chechipiri, kana chechitatu chekufamba kwako, kuitira kuti iwe ugare uri pangozi.
Ndekupi Ndingazvitenga Rideshare Inishuwarenzi?
Zvinosuruvarisa, kwete kambani yese yehushuwarisi ine mitemo yakagadzirirwa vatyairi vehurumende munzvimbo dzose. Zvisinei, mamwe makambani makuru anotendeseka anopa mazano munyika yose. Semuenzaniso, Geico inopa chirongwa chisina kuwanikwa mumatunhu makumi matatu nemadhora makumi mashanu pamwedzi pane mutemo wega wega wega. Kana iwe uri muchengeti wekare kana kuti nhengo yemhuri yechirwere chekare, USAA inopa mapurogiramu akasiyana-siyana ye $ 6 kusvika $ 8 mamwe pamwedzi. Sezvo indasitiri ye rideshare iri kuwedzera, mamwe makambani einishuwarenzi ari kuramba achivandudza zvipo zvavo, saka zvakakodzera kubvunza kamuri yako yema inshuwarisi ikozvino kuzokurukura zvirongwa zvemangwana.
How To Buy Rideshare Insurance
- Taura nekambani yako inshuwarisi. Kana iwe usingaregi bhizinesi yako kuziva kuti unoronga pakutevedza nokuda kwehurongwa hwekukwikwidza, vanogona kubvisa kugoverwa kwako. Asi mushandi wako wehushuwarisi anogonawo kukwanisa kukupa mazano anobatsira kana mu-house rideshare policy mazano.
- Tsvaga uye fungisisa zvimedu. Dzokorora kunyanya kana iwe uchifukidzwa nemunhu wako auto inshuwarisi uye nehudhihuta yega yega. Kuenzanisa zvipembenene muhuwandu hwekugovera ndiyo danho rokutanga mukufungidzira kuti ungazadza sei nehuwandu hwekuwedzera kana kuti self-inshuwarheni nekuita kuti uwedzere mari yekuwedzera.
Zvakadini Kana Hurumende Yangu Isingatauri Rideshare Inishuwarenzi?
Zvinosuruvarisa, kana nyika yako isingabatsiri yerurivo yerurivo, iwe unogona kutenga bhizimusi rebhizimisi rekutengeserana, iro rinogona kudhura kusvika kusvika kagumi zvakakwana semutemo wega.
Zvisarudzo zveHamangwana
Zvakakosha kuyeuka kuti kushambadzira kwekambani kwakanyanya, zvikuru kwazvo: mumakore mashomanana mashomanana, yakakura kubva kune chimwe kuenda kumadhora mabhiriyoni emadhora emadhora nemamiriyoni evarwi uye mazana ezviuru zvevatyairi; iyo auto inshumbisi indasitiri yakawanda kwazvo ichiri kubata. Ndinofara, vari kubata zvakakurumidza. Dai waive uchida kuva mutungamiri we rideshare makore mashomanana adarika, zvimwe ungadai wakafanirwa kutenga mari inodhura yekutengeserana yakanga isingakonzwiki kuti iite rideshare drivers, haina kukufukidza iwe panguva yako pachako, uye yakapa huwandu hwehuwandu kupfuura iwe ungambo chaizvoizvo inoda. Ridesharing apps zvishoma nezvishoma zvakatanga kupa kuparidzira, asi zvaiwanzooma uye zvakavhiringidzika. Ndinofara, zvingasarudzwa zvekukwira madereferi zvinongowedzera uye kuva nyore uye zvinodhura. Kana iwe uri kukwira mutyairi, iwe unofanirwa kuita tsika yekuongorora nguva dzose inshuwarheni yako yekusarudza kuti uone kuti iwe unogara uine hutano hwakanakisisa iwe nezvose zvaunoda, zvose iwe pachako uye unyanzvi.