Zvamunoda Kuziva Usati Wagamuchira Motokari Yako
Ndiani anofanirwa kunyoresa semutyairi?
Vamwe vanotakura inshuwarisi vakanyanyisa kupfuura vamwe kana zvichitaura kune avo vanoda kuverengwa pamotokari yemishuwarisi semutyairi.
Izvo izvi zvisina kukodzera mune zvinodiwa izvo zvinokonzera kusarudzwa kwose. Zvinogona kukonzera matambudziko epamutemo kana iwe uchiziva kuti hauna kunyora mutyairi uyo aitarisira kuenzaniswa nekuda kwekubhadhara mari yako.
Muenzaniso: Musikana wako achangogara newe. Iwe unoda chikamu chega chega, kunze kweropa rake risina kukwira . Iye haasi iye pachake motokari saka iwe unomurega kuti adzinge yako. Kuwedzera kwaari semutyairi kumapurogiramu ako kwaizosimudza mari yako yakawanda. Pane kudaro, iwe unomurega kuti atyaira pasina kumuwedzera semutyairi.
Iwe uri kunyatsotora gamba uchibvumira mumwe munhu anogara mumba mako kuti atakure motokari yako uye haafaniri kuva neyavo yakarongedzwa. Zvichienderana nemitemo yenyu yomshuwarenzi zvinogona kuitika kuti kudai kwakarambwa kana vakave mumatambudziko kana kuti kukonzera kukanganisa motokari yako - iyo yakawanda inogona kureva kubviswa kwepaisensi yako yekusakwanisa kugadzirisa motokari yemainishuwarenzi.
Zvisinei, mumuenzaniso uri pamusoro apa, mitemo yakawanda inogona kuvhara kudai nemusikana wenyu semutyairi uye vanomuda kuti awedzerwe semutyairi kana kuti asina kubuda mushure mekunge pangozi.
Vazhinji vehushuwarisi vanotarisira vanotarisira kuti vanhu vanotevera vave vakanyorwa sevatyairi pamutemo wenyu:
• Nhengo dzemhuri dzinorayirirwa dzinogara mumba
• Vanodhairi vese vane mvumo yakasiyana-siyana vanogara mumba
• Ani naani anotyaira motokari yako uye kwete inshuperi pasi peimwe mitemo
Uyu ari kuyaruka anotyaira ane permiti yakavharwa pasi peinishuwarenzi yangu here?
Zvakare, zvinonyatsoenderana neinishuwarenzi yako. Vamwe vanotakura inshuwarisi vanodikanwa kuti vashandi vemvumo vabatanidzwe pamutemo. Zvimwe vatakuri vanongoda chete vechidiki vane mvumo kuti vanyorwa. Nguva dzose chengetedza newaini yako yeinishuwarenzi kuti uone kuti iwe wakafukidzwa zvakanaka.
Kunze kwevatyairi
Pane imwe nguva iwe unogona kuva nechokwadi kuti hauna chinyorwa apo apo mutyairi asina kubvisa motokari yako. Mutyairi anowanikwa kunze kwekuti anonzi inshuwarisi zviratidzo zvinyorwa zvinoreva kuti vanonzwisisa mutyairi achaiswa kunze kwekugoverwa pane imwe motokari yerinishuwarenzi. Iwe unofanirwa kuziva, pasina kutarisa, kana chero vatyairi vasina kubviswa kubva mumutemo wako.
Vanotyaira vakavharidzirwa zvakafanira vanoda kusangana nezvose zvinotevera:
• Iwe wakapa mutyairi mvumo yekufambisa motokari yako
Izvi zvinosanganisira mhuri, shamwari, vashandi pamwe chete, uye ani naani ane mvumo yekuendesa motokari yako
• Munhu haasi nhengo yeimba yako (kureva kugara nemwi)
• Munhu ane ine motokari yerinishuwarenzi inoshanda
Madereji asingabatanidzi vanogara mumba mako
Chimwe chezvinhu zvakanyanyisa ndezvekufungidzira kunze kwekunge mutyairi asingabviri anogara mumba mako anoda kuiswa pane yako motokisi yechipatimendi.
Zvinonyatsoenderana neinishuwarenzi yako. Vamwe vatakuri vanoda kuti mutyairi wose ane mvumo mumba mako angave akanyorwa kana kuti akasiyiwa kubva mumutemo. Nepo vamwe vachiwedzera kuparidzira chero bedzi mutyairi ane motokari yerinishuwarenzi yake. Ndizvo zvaunofarira kutarisa neinishuwarenzi mupiritsi wako kuitira kuti hutano hwako hugadziridzwe zvakanaka.
Maderei asina Uninsured
Hazvibvumirwi kubvumira mutyairi chero upi zvake asina kunyorwa pamutemo wako usina mari yemishonga inshuwarisi yekutengesa motokari yako. Kana mutyairi asingabatsiri aida kuendesa motokari yako, bvunza sendimi yako yehushuwarisi kana iwe uchigona kuwedzera kwavari semutyairi. Kubvumira mutyairi asingabatsiri kutyaira motokari yako iri kukumbira dambudziko. Zvinogona kunyanya kuoma kana mamiriro anotevera akashanda:
• Mutyairi ndiye mutyairi wepamusoro (kureva kuti ivo vachangobva kuita kupesana kukuru kwepamigwagwa seDII)
• Mutyairi anogadziriswa
• Uri kuvanza mutyairi kubva mumotokari yako motsigiri (iwe waudzwa kuti uwedze mutyairi uye ureve pamusoro pekusawana kana kushandiswa nemutevedzeri mutyairi)
Pasi pepamusoro: inshuwarisi imwe neimwe yakasiyana, uye zvakanakisisa kutaura nemunhu wako anotarisira inshuwarisi kuti uzvidzivirire zviri pamutemo uye zvemari kubva pamigumisiro yekusarura zvisina kukodzera vatyairi pamotokari yako yveshuwarenzi.