Ziziphi ii-Autos ezingenamntu?
Ngaphantsi komgaqo-nkqubo wokuthengisa umgangatho oqhelekileyo, ii-autos ezingenayo i-autos zichazwe ngokwezinto ezingekho.
Ixesha elingenayo i-autos lithetha i-autos esetyenzisiweyo kwishishini lakho elingenalo, eliqeshiwe, eliqeshiweyo , eliqeshwe okanye elibolekwe nguwe ( igama elibizwa nge-insured ). Ii-Autos eziqeshisayo, ukuqesha, ukuqesha okanye ukuboleka zibhekwa njengeemoto eziqashiweyo . Ii-autos ezingenamntu zizithuthi ezingenakufaneleka njengama-autos aqeshwe okanye i-autos.
Ii-autos ezingenabanikazi ziquka izithuthi ezisetyenziswayo kwishishini lakho eliphantsi kwabasebenzi bakho, amaqabane, amalungu (ukuba unyanzelekile kwinkampani) okanye amalungu omakhaya abo. Amanye amashishini asebenzisa ngokubanzi ezo zithuthi. Umzekelo yinkampani enegunya elikhulu lokuthengisa elifuna ukuba bonke abasebenzi bathengise ukuqhuba ii-autos zabo xa bebiza abaxumi. Amanye amashishini ancike kwizithuthi zabasebenzi kuphela ngezikhathi ezithile.
Ixesha elingengabanikazi bomzi-mali lingabandakanya isithuthi esiphethwe ngabani naxa sisetyenziswe kwishishini lakho. Nazi ezinye izibonelo.
- Amavolontiya kwintlangano yakho yokunceda abasebenzisa i-autos zabo ukuze bathabathe abantu asebekhulile ukusuka emakhaya abo ukuya kwiindawo zokuqeshwa kwabasebenzi.
- Amalungu enkampani yakho, umbutho onobungcali, basebenzisa ii-autos zabo zokuqhuba ibhizinisi.
- Umqeshwa wakho uya kusebenza esebenzisa imoto yommelwane wakhe ngoba imoto yomqeshwa isesitolo. Kamva ngaloo mini, uthumela umqeshwa kwimeko ehlobene nezoshishino (ukuthenga izitampu kwiofisi yeposi). Umqeshwa uqhuba eposini esebenzisa isithuthi esiboleke kummelwane wakhe.
- Umthengi wakho ufuna ukuba athathwe kwisikhululo esisekufuphi, kodwa bobabini kunye neqabane lakho lishishini liye kwintlanganiso. Umlingani wakho ucela uBhili wakhe umhlobo, ongabandakanyekanga nenkampani yakho, ukuthabatha umthengi usebenzisa isithuthi sakhe.
Akukho na kwii-autos ezichazwe ngasentla ziphantsi okanye ziqeshwe ngeshishini lakho. Ngamnye ufanelekela njengomntu ongeyena mnikazi wezithuthi ngoba usetyenziswa egameni lakho.
Uxanduva lokuxhamla
I-shishini lakho linokuhlawulwa njani ngeengozi ezibandakanya ii-autos ezingesizo? Impendulo ihambelana nokunyaniseka . Abaqeshi baxanduva lokunyanzelisa izenzo ezithatyathwa ngabasebenzi ngexesha lokuqeshwa kwabo. Olu xanduva luya kubasebenzi bezithuthi zengozi ngokungabonakali xa beqhuba imisebenzi yabo. Iinkampani zinokuthi zihlawulwe ngenxa yeengozi ezibangelwa ngabantu abangengabasebenzi (njengomhlobo womlingane kumzekelo ongentla), ukuba baqhuba isithuthi esingenasomnini ngenzuzo yoshishino.
Iimpawu zeMoto eziViweyo
Izithuthi ezingenabanikazi zingabinikwa i-insured ye- auto-responsibility responsibility under your policy policy. Unokugqiba ukuba ngaba umgaqo-nkqubo wakho ubandakanya i-autos engenazo i-autos ngokujonga i- symbol ye-auto symbol ebonakaliswe kwiimpapasho ezilandelayo kwi-coverage.
Ukuba uphawu 1 (nayiphi na imoto) okanye isimboli 9 (ii-autos ezingenayo) zidweliswe, ii-autos ezingenazo iimpahla zihlanganisiwe. Qaphela ukuba ii-autos ezingenabanikazi zingabakhokheliswa ukuba zinyanzele kuphela. Azinako ukumbozwa ngenxa yomonakalo owenziwe ngomonakalo .
Ngubani Ubhaki?
Mhlawumbi uthenge ukuthengwa kwemali yemoto ye-autos engekho. Ngaba umntu oqhuba umntu ongeyena umnikazi wemoto ufanelekile njengesiqinisekiso ngaphantsi komgaqo-nkqubo wakho? Impendulo ayikho. Nguwe kuphela (obizwa ngokuba yi-insured) okhutshwe ngamabango avela kwiingozi zengozi ezibandakanya ii-autos ezingenazo. Akukho namnye umntu onesiqinisekiso sokusebenzisa i-autos engekho. Oku kuquka nabasebenzi bakho.
Ngokomzekelo, cinga ukuba uBarbara, umqeshwa wakho, uqhuba i-errand yakho usebenzisa i-auto auto. UBarbara uqedile lo msebenzi kwaye usendleleni ebuyela eofisini xa eqhuba uphawu lokuyeka.
UBarbara uphakamisa enye imoto, eyalimaza umqhubi wayo. Umqhubi kamva uphendula uBarbara kunye nenkampani yakho. Ukucinga ukuba umgaqo-nkqubo wakho wentengiso uquka i-autos engekho-owned, ibango lakho kwiinkampani kufuneka lifakwe. Nangona kunjalo, uBarbara kufuneka athembele kumgaqo-nkqubo wakhe wokuzimela ngokubambisa ibango lakhe.
Abasebenzi njenge-Insureds
Amanye amashishini anganqwenela ukubonelela ngeemoto zokubambisa abasebenzi abaqhuba izithuthi zabo emsebenzini. Ukugunyazwa okubizwa ngokuba ngabasebenzi njengama-Insureds atholakale kule njongo. Ukubambisa kubandakanya abasebenzi njengama-insureds ngelixa beqhuba izithuthi zoshishino lakho alinalo, liqesha okanye liboleka.
Ngelishwa, ukuvunyelwa kusebenza njengengxelo ephezulu ngaphezu komgaqo-nkqubo womntu womntu. Ukuba umqeshwa uhlawuliswa ngenxa yengozi yengozi eyenzekayo ngelixa eqhuba i-auto auto kwishishini lenkampani, umgaqo-nkqubo womqeshwa uya kufaka isicelo kwibango lokuqala. Umgaqo-nkqubo wakho womgaqo-nkqubo uzakubonelela ngokugqithiseleyo xa isithuba somsebenzi esasetyenzisiweyo.
Kutheni kungekhona ukuvuma ukubonelela ngeenkonzo eziphambili? Umgaqo-nkqubo we- ISO wokuthengisa umgaqo-nkqubo uthetha ukuba unikezela ngokukhawuleza ukuxhamla umthwalo kwanoma yiyiphi imoto ongeyena. Ukuvunyelwa akuyikuguqula eli lungiselelo, ngoko ke ukukhutshwa okukusebenzayo kusebenza ngokubanzi.