Umzekelo
USteve usebenza njengomthengisi we-Savvy Solutions, umqhubi wesofthiwe. USteve uchitha ixesha elide lomsebenzi kwindlela, ngoko umqeshi wamnike inqwelo yenkampani. USteve uqhuba imoto yakhe yenkampani, iToyota Prius, ikhaya ekupheleni komsebenzi ngamnye ngosuku.
I-Savvy Solutions inepolisi ebhaliweyo malunga nokusetyenziswa kwe-autos yenkampani. Abasebenzi abanikezelwa yinkampani yemoto bangasebenzisa loo ma-autos ngexesha lokungasebenzi, kubandakanywa ngeveki. Nangona kunjalo, abasebenzi abanakho ukuvumela omnye umntu (kuquka namalungu abo entsapho) ukuba aqhube izithuthi. Zonke iinqwelo ze-Savvy zithengiswa ngokuzibophezela ngokwezithuthi kunye nomonakalo ngokomzimba phantsi komgaqo-nkqubo womgaqo-mveliso . Iimpawu ze- autos ezimiselweyo kumgaqo-nkqubo zibonakaliso 1 ( nayiphi na imoto ) yokubambisa iimbopheleleko, kunye nesimboli 2 (ii-autos ene-autos) zokufikelela ngokubanzi kunye nokudibanisa.
Umfazi kaSteve, uMarsha, ungumnikazi we-Honda obhalisiwe egameni lakhe kuphela. Ikhushulwa phantsi komgaqo-nkqubo wecala ojongene noMarha noSteve njengoko kuthiwa yi-insureds .
Unyana oneminyaka eli-17 ubudala, uJeff, usanda kufumana ilayisenisi yokuqhuba. UJeff uhlanganiswe njengomqhubi okhuselekile phantsi komgaqo-nkqubo kamama. USteve uxelele umqobo wakhe wezithuthi zokunqanda ukusetyenziswa kwezithuthi. Ubenqande uJeff ukuba aqhube i-Prius phantsi kwayo nayiphi na imeko.
Ngenye imini ngoMgqibelo, uJeff ucela unina imvume yokuqhuba iChrom.
UMarsha uyayeka, echaza ukuba ufuna imoto yakhe ukuba ihambe. UJeff uzimisele ukuphikisana xa ebeka izihluthulelo kwi-Prius etafileni ekhitshini. Uya kuboleka imoto kayise aze abuyisele phambi kokuba umntu aqaphele. Uthabatha izitshixo xa unina engaboni kwaye ephuma emnyango.
Kwiyure kamva, uJeff wayefakela umnxeba umnxeba uyise. Unobungozi kunye nePrius! Wayesendleleni eya elunxwemeni ukuza kudibana nabahlobo xa ephosakele uphawu lokumisa, esasaza esinye isithuthi. Zombini iimoto zonakaliswe kakubi. UJeff akayonto kodwa uSara, umqhubi wenye imoto, wahlala enobungozi obuninzi. USteve unombulelo kukuba unyana wakhe ulungile, kodwa ukhathazekile ngokulimala kukaSara kunye necala lakhe elingenakukhunjulwa lokumangalelwa kuJeff. USara uya kufuna ukuhlawulwa ngenxa yokulimala komzimba kunye nomonakalo wepropati. Ngaba ibango likaJeff liya kubanjelwa phantsi komgaqo-nkqubo we-Savvy Solutions? Ukuba akunjalo, ngaba iya kugutyungwa phantsi komgaqo kaMarsha?
Umgaqo-nkqubo wezoRhwebo
Ukuba ibango lokuzibophezela ngokwemoto liza kugutyungwa phantsi komgaqo-nkqubo wokuthengisa umgaqo-nkqubo weemfuno ezilandelayo kufuneka zonelise:
- Isithuthi esibangele ingozi kufuneka sibe ngumbane.
- Umqhubi wezithuthi kufuneka afaneleke njengesiqinisekiso.
- Ingozi kufuneka yenzeke ngexesha lomgaqo-nkqubo kunye nakwintsimi yommandla .
Kwimeko ekhankanywe ngasentla, umgaqo-nkqubo we-Savvy Solutions 'auto ubonisa isimboli soku-1 (nayiphi na imoto) yokukhutshwa kwemfanelo. Esi simboli siquka ii-autos ezinempahla, ngoko-Prius (ephantsi kwe-Savvy) igosa elizenzekelayo. Siya kuthatha ukuba imeko # 3 inelisekile. Kodwa kuthekani ngemeko # 2? Ngaba uJeff unesiqinisekiso ngaphantsi komgaqo-nkqubo we- inshuwalense ka-Savvy? Impendulo ingaba yikho.
Ukukhutshwa kwemali yokuthengisa ngokwemali kusebenza kumntu ogqityiweyo okhuselekile (kule ngxaki, i-Savvy Solutions) nayiphi na imoto. Kusebenza nakweyiphi na umntu oqhuba isithuthi ukuba wena (obizwa ngokuba yi-insured) uqobo okanye uqeshe ukuba unemvume yakho yokusebenzisa isithuthi. Abantu abaqhuba i-autos kunye nemvume yakho babizwa ngokuba ngabasebenzisi abavumelekile.
Ngaba uJeff unemvume yokuqhuba i-Prius? Umshuwalense we-auto we-Savvy angatsho ukuthi akazange. UJeff wayesazi kakuhle umgaqo-nkqubo wokusetyenziswa kwezithuthi ze-Savvy's Solutions.
Uyise kaJeff wayemyala ngokucacileyo ukuba angayisebenzisi isithuthi. (Abanye bangase bathethe ukuba uSteve unike imvume yakhe yonyana ukuba asebenzise imoto xa eshiya izitshixo zeemoto kwindawo efikeleleka kalula, kodwa oku kuya kubakho.)
Umgaqo-nkqubo Wezithuthi Zakho
Ingaba ibango elichasene noJeff noSara liza kugutyungwa phantsi komgaqo-nkqubo kaMaha wezemoto? Kwakhona, impendulo ibe yinto engekho. Uninzi lwemigaqo-nkqubo yemoto ayifaki ukuhanjiswa kweso sithuthi esinikezwe okanye esilungiselelwe ukusetyenziswa rhoqo kwegama eliqinisekisiwe okanye ilungu lentsapho yakhe. I-Prius yanikezelwa ukusetyenziswa rhoqo kweSteve. Ekubeni uSteve ilungu lentsapho yaseMarsha, ukucinywa kuya kusebenza.
Imigaqo-nkqubo emininzi ingabandakanyi nokusetyenziswa kwesithuthi ngumntu onesiqinisekiso ongenalo inkolelo enokwenza ukuba unelungelo lokuwusebenzisa. UJeff wathatha u-Prius nangona uyise wayenqande ukuyiqhuba.
Nangona uJeff unesiqinisekiso esingaphantsi komgaqo-nkqubo womama wakhe, imoto awayeqhuba ngayo ngexesha leengozi yayingekho imoto. Ukuba uJeff ufuna ukufunyanwa kwebango likaSara phantsi komgaqo-nkqubo kaMarsha, umshishini-mali unokwenqaba ukungena.
Ukuze ugweme le ngxabano, uMarsha wayemcela umgcini-mali wakhe ukuba adibanise umGaqo-mali owandisiweyo ongagunyazisiweyo kumgaqo-nkqubo wakhe. Ngethuba nje uJeff ebalwe kwisigunyaziso , kufuneka afaneleke njengomntu okhuselekile xa eqhuba inkampani kayise. Oku kuvunyeliswa kukufaka umthwalo wemoto kunye neentlawulo zonyango kuphela. Ayigqubuthe umonakalo emzimbeni kwisithuthi esingenalo.