Kunyangwe iwe wakanga uri mhosho, iwe unopindira kuputika pamotokari yako, saka iwe unoziva mari yekugadzirisa iyo yako uye imwe yemota ichavharwa - kana kuti iwe unofunga. Paunodana mushandi wako wehu inshuwarisi yemhuri kuti aise motokari yeruzhinji yemhosva , anoti unosuruvarisa - asi nokuti waive uchishandisa motokari yako nekuda kwebhizimisi, hauna kuvharwa nemutemo wako.
Imba yepiza pizza yakave seAmerica, zvakanaka, pizza. Uye nepo "pizza delivery guy" isingazove yeruzivo rwebasa rebasa, rinogona kugovera mari yakawanda yakadikanwa kumunhu pakati penguva dzose gigs kana mudzidzi mukutsvaga zvishoma chikamu chemazuva mushure mekirasi. Chinhu chimwe chete chatinonyatsoziva ndechekuti pizza yakawanda inounza varume nevadzimai vanoita avo vanozvitakura mumotokari dzavo. Uye kunze kwekuti iwe wakazviita iwe pachako, iwe hauna kumbofunga kuti chii chingaitika kana iwe ukazopinda munjodzi apo uchishanda basa rako rokupa.
Rega ndikuparadze iwe kuitira kuti iwe uone kuti wakavharwa zvakanaka.
Ndiri kufukidzwa neinishuwarenzi yangu here?
Zvingangodaro zvisingaiti, kunyange zvichienderana nemutauro chaiwo wemutemo wako. Kunyangwe iwe usingafungi nezvazvo nenzira iyo, pizza kubhadhara ibhizimisi rinokuvadza: United States Bureau of Labor Statistics yakawana kuti kutakura uye mamwe mabasa ekutengesa anosanganisira kutyaira ndiro basa re5 rinotyisa munyika.
A self auto inshuwarheni inofanirwa kuva yakarurama iyo: kugoverwa kwezvido zvako zvekutyaira, uye kupa pizzas yauri kubhadharwa haifaniri kutaridzirwa "kushandiswa kwega" nevakawanda bhizinesi. Izvi zvinoshanda kwete kungoita pizza kubhadhara, nenzira, asi mamwe marudzi ekutorawo zvakare, zvakadai sedhipatimendi rekushandisa zvinodhaka uye kunyange kutakura vanhu. Chinhu chakanaka chero chipi zvacho chinoshandiswa apo munhu anoshandisa motokari yake pabasa rekutengeserana. Chikonzero chacho chiri nyore: bhizimisi vanoziva kuti madereji anoshandisa motokari dzavo nekuda kwekutengeserana anoshandisa nguva yakawanda nguva mumugwagwa, izvo zvinoreva ngozi yakawanda yepamusoro yekubatanidzwa mumatambudziko. Uye izvozvo, zvakare, zvinoreva mari yakawedzerwa yemubhizimisi.
Ko zvakadini kana ndiri kutyaira motokari yevabereki vangu pasi pemitemo yavo?
Chinhu chimwe chete. Kunyangwe iwe ungangodaro wakafukidzwa pasi pehutano hwevabereki vako nekuda kwechiitiko chinowanikwa pavanotyaira motokari dzavo nokuda kwezvimwe zvikonzero, kugoverwa hakuzowedzereri kushandiswa kwemotokari yavo nekuda kwekutengeserana-sekuendesa pizza.
Chii chichaitika kana ndikapinda munjodzi ndichipa pizza uye ini ndoga ndine inshuwalisi yemu motokari yangu?
Hapana chaunoda kuti ude.
Purogiramu yako yemazuva ano inoda kuti iwe uzivise inshuwarheni kana uchida kuita chero hupi hunochinja huri mumamiriro ekushandiswa kwemotokari yako, uye iyo inosanganisira kuishandisa kuti ipe zvipo zvekubhadhara. Uye paunoita, wako inshuwarheni haangokureveri chete kuti hauzofukidzwi, vangakuudza zvakare kuti kushandisa gorozi yako nekuda kwekutengeserana iwe uchaita kuti hurumende yako isashandise, kunyange iwe pachako. Saka, chii chinoitika kana iwe ukashandisa motokari yako kuti upe pizza, zvakadaro, uye uende munjodzi? Inishuwarenzi yako ikambani icharamba kubvuma kwako uye iwe uchabatanidzwa nekuvhara mari yose yezvimwe zvinokonzera kukuvara.
Ko kana ini ndisingatauri kambani yangu yveshuwarenzi kuti ndaive ndichitora pizza apo ngozi yakaitika?
Zvakare, hapana chakanaka. Kana nhoroondo yematambudziko inotorwa nemapurisa, unogona kuva nechokwadi kuti ichataura zvauri kushandisa motokari yako panguva iyoyo.
Uye iwe unogona kuva nechokwadi chekuti kopi yemugumo iwoyo ichawana nzira yaro kune inshuwarisi yako. Kana pasina nhepfenyuro yemapurisa inotorwa, iwe hauchazove uri pachigodo nokuti mumwe mutyairi anofanirwa kutaurira kambani yake ye inshuwarisi uye ivo vachapedza mashoko acho kune ako inshuwarisi. Chero nzira, kambani yako ye inshuwarisi haizofari. Uye, kunze kwekuramba kugoverwa kwechiitiko chacho, vanganyatsopedza hurongwa hwako , kana kuti chirongwa chevabereki vako kana iwe uri kushandisa motokari yavo. Munyika dzakawanda, kukanganisa kugoverwa kubva kune wako inshuwarheni kune njodzi yepamusoro-pangona kunogonawo kukonzera chikwata chekufambisa chikwata . Edza kutsanangurira izvozvo kuvabereki vako.
Ndinowana sei Inshuwarheni?
Pane mikana shomanana yekuwana kudiwa kwakakosha ye pizza yako delivery gig:
Coverage Through Through Employer
Vamwe vashandi (kunyanya maketani uye makuru akazvimirira maresitorendi) anopa kuverenga kunonzi inobhadhara mari yehutori yemari yakabhadhara uye isina yevashandi kune vanodhairi vavo pavanenge vachishandisa motokari dzavo pamabasa anobata mabasa. Iva nechokwadi chekubvunza mubatsiri wako kana rudzi urwu rwehuwandu huripo.
Commercial Insurance
Chisarudzo chakanyanya kufanana neshuwarenzi chichave chekushandura kune mutemo wemotengesi yemotokari. Tarisa nekambani yako yeinishuwarenzi uye nevamwe vatyairi uko iwe unoshanda kuti uone kuti chii chiri kunze uko. Muzviitiko zvakawanda, mutemo wekutengeserana unotora mari kupfuura yega wega, asi musiyano mumutengo unogona kutarisirwa. Chino apa, sekune zvinhu zvakawanda zvinosanganisira inshuwarisi yemotokari, ndeyokutenga zvakapoteredza.
Pizza Kutumira Inishuwarenzi:
Zvakanaka, zvichida hazvizonzi "pizza delivery inshuwarisi," asi pane vashomanana bhizimisi kunze uko vanopa mazano akajeka, kana kuwedzera kugoverana kumutemo wevanhu, kunyanya kuvanhu vanoendesa. Zvakare, taura newadhiri wako uye vamwe vatyairi vako pamusoro pezvinowanikwa.