Ifomu yeCandelo leMpahla yokuThuthukiswa kweMoto lifaka indawo yefomu ye-ISO Truckers Coverage Form. Le ndlela yokugqibela ayifanelekanga njengoko iqulethe ulwimi. Ifom ye-Truckers yaphuhliswa ngexesha apho urhulumente wephondo ubeka ulawulo oluqinileyo kwiirhafu kunye neendlela.
Icandelo lorhwebo lalisulwa ngowe-1980 ngumbandela we-Motor Carrier Act. Namhlanje, iinkampani zorhwebo zingakhetha iindlela zazo kwaye zixoxisane ngamaxabiso kunye nabathengi. Ifomu yeCandelo leNqwelo-mali libonisa ukutshintshwa kolawulo.
Ngubani Oyifunayo?
Ifomu yeCandelo leNqwelo-mali lithengwa nayiphi na ishishini elithutha impahla nge-autos kwaye ayikwazi ukufumana ingxelo efanelekileyo phantsi kwe-Standard Auto Policy Policy (BAP). I-BAP ijoliswe kwiinkampani ezithutha iimpahla kwizithuthi zazo. Umzekelo ubhakabhaka osebenzisa amaloli aphethwe yiebhaki ukuthutha iimpahla ezibhaka kwiivenkile zokuthengisa. Umgaqo-nkqubo awuhambelani kakuhle neenkampani zorhwebo. Nasi isizathu:
- Ubani okhuselwe yiNkxaso yeCandelo le-BAP ayinakugubungela abanikazi bezithuthi eziqeshwe kwi-insured. Oku kuyinkinga kuba iinqeshiso ezininzi zeloli zifuna umqeshi ukuba aqiniseke umncinci (umnini wezithuthi) phantsi koxanduva lokuzibophezela ngemoto .
- Ukunqongophala kokulimala kwePhysical BAP akusebenzi kubagibeli abanomntu ngaphandle kwegama elibizwa ngokuba yi-insured. Oku kungabangela iingxaki ukuba umphathi-nkqubo unomthwalo wengozi nawuphi na umonakalo owenzeka kwi-trailer eqeshwe okanye ebolekelwe.
- Ngaphantsi kwe-BAP, i-inshorensi yemfanelo ibalulekileyo kuphela kwi-autos ezibizwa ngokuba ngabakho bhuseli. Ukuba umnini-nkqubo uqeshe okanye uboleke isithuthi, eso sithuthi siya kuhlawulwa ngokunyaniseka.
Ifomu yeCandelo leMoto eliqhelekileyo lisetyenziselwa ukuqinisekisa amashishini athutho izinto ngokusebenzisa izithuthi ezomnye umntu (okanye ukudibanisa kwezithuthi zabo kunye nezithuthi ezingenawo). Nangona kunjalo, ingasetyenziswa nayiphi nayiphi na inkampani efanelekileyo njenge- carrier carrier , njengoko eli gama lichazwe kwifom:
umntu okanye umbutho onikezela ukuhamba ngeemoto ngokuqhubela phambili ishishini loshishino
Le ncazelo ibanzi ngokwaneleyo ukubandakanya izithuthi eziqhelekileyo, izithuthi zontrakthi kunye nabathwali bezithuthi. Umphathiswa oqhelekileyo yinkampani eya kukhwela impahla egameni lomntu onokutshintshela imali. Umthengisi othungelwano lwempahla uthetha izinto egameni labathengi abathile ngokwemiqathango ethetha ngesivumelwano . Umphathiswa wabucala uyabamba impahla yakhe usebenzisa izithuthi zakhe.
MCP Versus BAP
Ifom ye-Motor Carrier Coverage Ifom iyahlanganiswa neMibonakaliso yeMoto yeeMoto kunye nokuvumela okuhlukeneyo ukudala iProveny Carrier Policy (MCP). Ngeendlela ezininzi, i-MCP ifana neBAP. Ezinye iintlukwano ezibalulekileyo zichazwe ngezantsi.
1. Iimpawu zeMoto eziCwangcisiweyo
Njenge-BAP, i-MCP isebenzisa isethi yamanani, ebizwa ngokuba yiimpawu zokubhaliweyo ezizenzekelayo , ukubonisa iintlobo zezithuthi "ezigubungele i-autos" phantsi komgaqo-nkqubo .
Iimpawu ezisetyenzisiweyo kwiFomu yeCandelo leMoto lichazwe kwitshathi elingezantsi. Ezi azisizo iimpawu ezifanayo ezisetyenziswa kwi-BAP.
| Uphawu | Uphawu lweenkcazelo |
| 61 | Naziphi na ezizenzekelayo |
| 62 | I-Autos eneMpahla kuphela |
| 63 | Uhlobo lwabaThuthi lwabaBucala beeMoto kuphela |
| 64 | I-Autos Autos Autos kuphela (amaloli, itrekta kunye nabakhweli) |
| 65 | I-Autos eneeNkcazo ngokuxhomekeke kwi-No-Fault (xa le ngxelo ilawulwa ngumthetho) |
| 66 | I-Autos eneeNkcazo ngokuxhomekeke kuMthetho weeNqununu ezingaQinisekisiyo |
| 67 | I-Autos echazwe ngokuthe ngqo |
| 68 | I-Autos ekhutshiwe kuphela |
| 69 | Iidrama kwiindawo zakho phantsi kwesivumelwano sokuTshintshana kweTrailer |
| 70 | Iidrara zakho kwi-Possibility of Anyone Other Under A Trailer Exchange Exchange Agreement |
| 71 | I-Autos engekhoyo kuphela |
| 72 | Izixhobo zeMotorola phantsi koMthetho woMshuwalense onyanzelekileyo kuphela |
Iimpawu ezisetyenziswa kumgaqo-nkqubo kufuneka ziboniswe kwizivakalisi. Isimboli kufuneka sibhalweliswe ecaleni kwengubo nganye oyithengileyo.
Ngokomzekelo, uphawu lwama-61 lufanele luvele ngasemva kwekharityhulam yokuzibophezela ngemoto ukuba unyulile ukumboza nayiphi na imoto ukuze uxanduva. Nayiphi na imoto iquka ii- autos eziqashiweyo , ii-autos ezizimeleyo kunye nama -autos angenawo . Ngokufanayo, uphawu lwangama-64 lufanele lubonakale ecaleni kwenkcazo epheleleyo xa uthi, ukhethe ukuba uqinisekise zonke iilori, iitrakta kunye nabahamba ngeenkampani zakho (kodwa kungekho izithuthi ezizimele).
2. Ngubani okhuselwe nguMshurensi
Kwimiba emininzi, iCandelo leNgcaciso ye-MCP lifana necandelo elichaphazelekayo le-BAP. Njenge-BAP, i-MCP ihlanganisa i-insured ebizwa ngokuba yiphina i-auto. Ikwabandakanya nawuphi na umsebenzisi ovumelekileyo xa eqhuba isithuthi esibizwa ngokuba yi-insured siqu, ukuqeshwa okanye ukuboleka. Nangona kunjalo, ifom ye-Motor Carrier ifaka iindidi ezimbini ze-insureds ezingagcinwanga phantsi kwe-BAP:
Umnini weTrailer
Umnikazi okanye nabani na omnye oqeshayo okanye oboleka i-trailer unesiqinisekiso ukuba i-trailer iyafaneleka njengemoto ekhuselekileyo phantsi komgaqo-nkqubo wakho wokuthwala. Eli qela liqinisekisiwe ngelixa i-trailer ixhunyiwe kwiyunithi yamandla (iilori okanye itrekta) ekhutshwe ngemoto. Kwakhona unesiqinisekiso kodwa i-trailer ayixhunyiwe kwiyunithi yamandla ukuba isetyenziselwa kuphela kwi shishini lakho.
Umzekelo, uqesha i-trailer iiveki ezimbini kwi-Rent-A-Trailer ukwenzela ukukhwela umthwalo omkhulu kumthengi. I-MCP yakho ibonisa isimboli 61 (nayiphi na imoto) kwizivakalisi. Bobabini itektala kunye ne-trailer erenjiweyo i-autos efihliweyo. Uqhuba ugqirha wakho ngetrayile erenjiweyo xa uqhawuleza udibene nesinye isithuthi. Umqhubi wesithuthi unobungozi engozini, kwaye uyayifumana i-Rent-A-Trailer yokulimala komzimba . Njengomnini we-trailer eqeshiweyo, i-Rent-A-Trailer ihlanganiswe ibango phantsi kwe-MCP yakho.
Isifundo sorhwebo okanye iTrakta
Kwakhona phantsi kwe-MCP ngumntu okanye inkampani oye waqeshisa isithuthi (ngaphandle kwe-trailer) ukuze usebenzise kwishishini lakho njengomqhubi wemoto yokuqesha. Eli qela likhuselwe ngomshuwalense nje ngokuba engasayina isivumelwano esingenakubungozi. Oko kukuthi, omncinci uphepha ukuba akayikityi isivumelwano esithatha isigxina egameni lakho ngenxa yeengozi ezivela ekusebenziseni imoto eqashisayo. Ukongezelela kumncinci, nayiphi na umqhubi, i-agent okanye umqeshwa womncinci uphepha.
Umzekelo, uqeshe itektare kwiTheng-A-Truck ukuyisebenzisa kwi shishini lakho. Ukuqeshisa kufuna ukuba uhlawule iRhafu-A-Truck kuyo nayiphi na ibango echasene nalo elivela ngaphandle kokusebenzisa itektare ngexesha lokuqeshisa. Iqeshiso ayikuthinteli ngengozi ngenxa yezibango ezivela ekusebenziseni kwakho itektare. Ngaloo ndlela, iRite-A-Truck yinqweqwe phantsi komgaqo-nkqubo wakho ngexesha leqeshiso.
3. I- Trailer Interchange Coverage
I-MCP ibandakanya inzuzo yokubambisa ebizwa ngokuba yinshuwalense yokutshintshela i-trailer . Olu hlobo lugqithise umonakalo kwabahamba ngomzila okhuselekileyo kwi-insured egcinwe kuyo i-insured phantsi kwesivumelwano sokutshintshana kwe-trailer. Isivumelwano sokutshintshela i-trailer sibeka uxanduva kumlawuli (i-trucker idonsa i-trailer) yomonakalo emzimbeni kwi-trailer eyenzeka ngelixa i-trailer iyimpahla yomlawuli.
Abalimi bangadinga ukuthengisana kwee-trailer xa behambisa izinto ezihamba ngomzila womnye umntu. Abaninzi beenqwelo-mafutha baqhwala abahamba ngeenqwelo-moya ukuze baqhube ukuthutha impahla.
Ngokomzekelo, Sue (i-trucker) usebenzisa i-trailer-trailer eneengqekembe ukuba anike impahla evela kuWilliam, edolophini yasekhaya, kwi-Happyville. I-Sue idinga ukuchitha iintsuku ezimbini e-Happyville ukuya kwimicimbi ethile yezoshishino. Ngaloo ndlela, Sue iimpawu zokutshintshana kwe-trailer kunye noYilwayo, enye i-trucker. UBill uyavuma ukuhambisa iimpahla kwindawo yokugqibela e-Pleasantown. Isivumelwano senza iBhili-mthetho ibonelelwe ngomonakalo owenziwe kwi-trailer ngelixa kuBill.
Izivumelwano zokutshintshela i-trailer zifuna ukuba i-trailer controller ithenge i-inshuransi yokutshintshela i-trailer. I-inshurensi ibandakanya inani eliqinisekisiwe ngokomthetho ukuba lihlawule umonakalo ngenxa yokulahlekelwa kwilayiler engenayo. Iindlela ezikhethiweyo ezintathu zifumaneka phantsi kwenkcazo yokuhanjiswa kwetrailer:
- Ukuqhelanisa: Ukuphazamisa umonakalo kwinqwelo-ngxaki nayiphi na isizathu ngaphandle kokungqubana nenye into okanye ukuguqulwa kwetrailer
- Izizathu ezicacileyo zezizathu zokulahleka: Ukwaphula umonakalo ngomlilo, umbane okanye enye ingozi ebhalwe kwifom
- Ulungelelaniso: Ukwalalisa umonakalo kwi-trailer ngokudibanisa kunye nenye into okanye ukuguqulwa kwayo
Intshurensi yokutshintshela i-trailer iquka iintlawulo ezongezelelweyo (ukukhuselwa kwezokukhusela). Akubandakanyi umonakalo obangelwa yingozi yenyukliya, imfazwe, iqhwaqhaqho, i-punctures tire, kunye nezinye iingozi. Kwakhona kubandakanywa nokulahleka kokusetyenziswa.
4. Umgangatho oPhezulu okanye oPhezulu oPhezulu ochithwe yiContrakthi
Njengoko kuthethwe ngaphambili, iilori zivame ukusebenzisa ii-autos ezinomnye umntu. Basenokuboleka okanye baqeshise i-autos ukuya kwezinye iilori. Ngaphantsi kwe-MCP, ii-autos eziqeshwe okanye ezibolekelelwe okanye ezivela kwelinye ikranki zingabhekiswa kwiziko eliphambili okanye ngaphezulu. Kungakhathaliseki ukuba i-coverage iyona nto iphambili okanye ibininzi ixhomekeke kuyo nayiphi na inxaxheba ejongene nomonakalo kwimoto. Elinye inqaku le- inshorensi kumgaqo-nkqubo uchaza indlela ukusetyenziswa ngayo. Nazi iinqununu eziphambili ngokuphathelele izithuthi eziqashiweyo okanye ezibolekelelwe:
- I-Autos ikhutshiwe okanye ibolekwe Kuwe: Inkcazo yemfanelo yintloko xa wena (ongezantsi) unesibopho phantsi kwesivumelwano esingenakubungozi sezingozi ezivela ekusebenziseni imoto. Ubungakanani buninzi xa ungasayina isivumelwano esingenakubungozi.
- I-Autos Uyakhawula okanye Uboleka Kwenye Inqwelo Yenqwelo-mafutha: Ukubaluleka kubaluleke ukuba umncinci akazange athathe uxanduva phantsi kwesivumelwano esingenakubungozi sezingozi ezivela ekusebenziseni imoto. Ukuba umntu ongaphantsi usayine isivumelwano esinjalo, ukugqithiswa kuninzi.
- Izithuthi: Ukuba akukho nkontileka echazwe ngenye indlela, i-trailer edibaniswe kwiyunithi yamandla (itrektare) ihlanganiswe ngokufanayo (isiseko okanye ukugqithisa) njengeyunithi yamandla, ukuba iyunithi yamandla ijongene nemoto. Ukuba iyunithi yamandla ayikho imoto ehlanganisiweyo, i-trailer ikhutshwe ngokugqithiseleyo.
- I-Trailer Interchange Coverage: Isebenza ngokusisiseko
- I-Versed Non-Owned: Ukuba akukho nkontileka echazwe ngenye indlela, ii-autos ezizimeleyo zifakwe kwiziko eliphambili. I-Autos ongeyakho ihlanganiswe ngokugqithiseleyo.