Kunze kwePocket
Iko chaizvoizvo inoreva kuhomwe yako. Izvozvo ndizvo, mari inobva muhomwe yako, chikwama, kana bhangi yekambani uye kubhadhara kugadziriswa kwemotokari yakakanganisika. Iyi ndiyo mari kuwedzera kune yako yemotokari premium premium,
Mari ipi inobhadharwa muhomwe?
- Deductible: Tarisira kuti ubhadhe kunze kwehomwe yekutora kwako. Iyo yakagadziriswa ibasa rako kune zvakawanda zvezvirevo zvakasiyana, kazhinji zvirevo zvekukuvara kwemuviri zvakadai sekuzara kana kupopotedzana . Iwe unosarudza iyo yakabviswa panguva yaunowedzera motokari yako. Deductible chiyero chinogona kusiyana zvakasiyana nemunhu uye nekugoverwa. Iyo yakakwirira yako yakabviswa, kana kuti kunze kwemari yehomwe, iyo inodhura yako motokari premium premium yako. Inishuwarenzi yako inobviswa inoda kubhadharwa kana ukasarudza motokari yako kubva pakugadziriswa.
Muenzaniso: John anobata chikafu uye anotsigira $ 3000 kukanganisa kwemotokari yake. Yake yakaderedzwa yakawanda, kana kuti isina mari yemari, iri $ 100. Anokwereta $ 100 kuitira kuti agadzire motokari yake.
- Kukuvara kwakaderera kudarika deductible: Dzimwe nguva kukanganisa kunoitika kumotokari yako uye zvinodhura zvishomanana kuti zvigadziriswe pane zvaunotora. Izvozvo zvinoreva kuti iwe uchave uchivhara mari yekugadzirisa motokari. Motokari yako yemishuwarisi inongoputira zvinokuvadza zvinopfuura kudhura kwako.
Muenzaniso: John anokonzera chidimbu chechando uye anotsvaira mumugwagwa wevarindi achikonzera madhora mazana mana emadhora emotokari yake. Kubatana kwake kwakagadziriswa, kana kuti kunze kwemari yehomwe, iri $ 500. Ndiyo mutoro wake kubhadhara $ 500 kuitira kuti agadzire motokari yake.
- Dzivisa kuwedzera pamusoro pekunyora uye kuitika pamhosva : Dzimwe nguva zviri munharaunda yako yakanakisisa kubhadhara zvinokanganisa zvinoitika kubva pangozi duku. Kana mari yekugadzirisa zvinokanganisa iyo inogadziriswa yepamusoro pane yako yakabviswa, iwe unogona kuchengetedza mari munguva yakareba nekudzivirira zvikwereti zvemangwana kumutemo wako kubva pakudhinda chekupa mhosva. Iyo inogona kuva nhare yakaoma kana iri pamusoro peizvi kunze kwemari yehomwe asi mamiriro ezvinhu anomuka nguva nenguva.
Muenzaniso: John anotora chikamu chake chechioni ichipinda garaji rake. Iko $ 600 kuti ishandise girazi. Panzvimbo yekubhadhara chikwereti chekukanganisa kwepamusoro pamotokari yemotokari yake mumakore matatu anotevera, anosarudza kutora girazi kuburikidza nokubhadhara $ 600 kubva muhomwe.
- Iwe unokwereta kupfuura yemotokari inofanirwa mushure mekurasikirwa kwese kwengozi: Zvichida mari yakawanda kupfuura yepamusoro pemari yako apo iwe une chikwereti kupfuura iwe motokari yako yakakosha uye iwe une kurasikirwa kwese kwengozi . Kana iwe usina kuparadzaniswa kwepakati, musiyano pakati pezvinodiwa nemotokari yako uye zvaunokwereta zvichave zviri kunze kwemari yehomwe. Nguva dzose unotakura bhuwarisi yepengo kuti uzvidzivirire apo iwe unokwereta kupfuura iyo motokari inokosha. Mune zvimwe zviitiko zvinogona kuva zviuru zvemadhora.
Muenzaniso: John ane chikwereti chakashata uye akabhadhara motokari itsva. Akatora chikwereti chakawedzerwa kwemwedzi 72 nechikwereti chikuru. Rimwe gore mushure mekutenga kwake akanga ari muipi yakaipa iyo yakawana motokari yake . John aive achikwereta $ 15,000 pamotokari yake asi motokari chaiyo mari yakakosha yaingova $ 12 500 chete. Kambani yake ye inshuwarisi yakafukidza $ 12,000 mushure mokunge yakabviswa. John ari kunze kwemari yehomwe mari ye $ 3,000 kuti apedzise kubhadhara motokari yaasingazogoni kutyaira.
Paunonzwa vanhu vachitaura nezvechikwata chekutsvaga, kunze kwehomwe yehutano inshumo inowira mune izvozvi. Nguva dzose chengetedza mari yakakwana yekuvhara inshuwarisi yako yakagadziriswa kana iwe kana zvichikwanisika. Ichaita kuti upenyu husanyanya kudzvinyirira kana pakaitika njodzi yemotokari.