Akunakunyanzeleka
Ngaphantsi komthetho wesigqeba odlulileyo ngo-2005, iinkampani zokuqeshisa izithuthi azikhatyathwa ngamatyala emithathu ngenxa yokonzakala okanye umonakalo ogcinwe kwiingozi ngenxa yokunganakwa kwabaxumi bezindlu.
Okokuthi, inkampani yokuqeshisa ayikwazi ukuhlawulwa ngenxa yengozi nje ngokuba inayo isithuthi esithunywe ngumthengi osesikweni.
Inkampani yokuqeshisa inokuthi ibanjwe yimbopheleleko yengozi ebangelwa ukunganyaniseki okanye ukuphulwa komthetho. Nanku umzekelo wolu hlobo lwesibango olungasetyenzwa kwi-ejensi yokurenta.
Umzekelo
URinina Rogers ungumnini-Rogers Risk Analysis. Usendleleni eya kudibana nomxhasi, kwaye uqhuba imoto aqeshe kwiindawo zokuThenjwa. URina ukhawuleza. Ukhawuleza ujikeleze ikhefu malunga neekhilomitha ezivela kwiofisi yomxhasi wakhe xa izithuthi zihamba ngokukhawuleza. URegina uhlambalaza ngamabhuleki akhe kodwa akakwazi ukuyeka ngexesha lokugwema ukushaya isithuthi phambi kwakhe. Bobabini imoto yakhe yokuqeshisa kunye nesithuthi esiphelile siphele kakubi. UBeber Baker, umqhubi wenye imoto, uncedisa umlenze ophukile kunye nekhwaza eliqhekekileyo.
Kwiinyanga ezimbini emva koko, uBheth utshintshela uRinina kunye neZindlu ezithembekileyo zokulimala komzimba kunye nomonakalo wepropati .
I-Beth isithi igosa libangelwa zizimbini ezibini: ukuqhuba ukunyanzelwa kukaRegina, kunye nokuhluleka kwe-car rental agency ukugcina kakuhle imoto. UBeth uphikisa ukuba iibheke zeenqwelo zokuqashisa zagqitywa. Ngoxa uRegina wayekhawuleza ngaphambi kweengozi, mhlawumbi wayekwazi ukuyeka ngokukhawuleza ukuba iiNkonzo zokuThenjwa ziNcedise ngamabhuleki ngokwaneleyo.
Ngokukhawuleza uRegina ufumana ileta evela kwinkampani yokuqeshisa. Ukukhokelwa okuthenjelwe kufuna ukuba (okanye umgcini-mali wakhe) anikezele i-agunya kuzo zonke iindleko ezithathayo (kuquka neendleko zokukhusela kunye nemonakalo) ngenxa yesigwebo seBhete. Inokwethenjelwa icacisa isivumelwano sembuyekezo kwisivumelwano esiya ku-Regina sisayinwe xa eqeshisa imoto.
URegina uthumela zombini ileta kunye nesetyala sikaBhete kwi-insurer yakhe yokuthengisa. Ngenxa yokuba umgaqo-nkqubo wakhe wentengiso uquka ukukhutshwa kweemoto eziqashiweyo , uRegina uyaqiniseka ukuba uya kumkhusela icala likaBhete. Nangona kunjalo, akazi ukuba ingaba lizakufihla imfuneko yokuKhokhwa kweNyathelo eHloniphekileyo.
Ubume beMvumelwano
Phantse yonke imigaqo-nkqubo yomgaqo-nkqubo ithengisa umgaqo- mboleko . Le ngxelo ihlinzekwa ngaphandle kwekhontrakthi yokunyanzeliswa kwezivumelwano ezivela phantsi kwe- auto responsibility responsibility . Umgaqo-nkqubo uthwala uxanduva oluyicala phantsi kwesivumelwano-mali , njengoko eli gama lichazwe kumgaqo-nkqubo. Eli gama liquka iintlobo ezininzi zeenkontileka.
Ukubaluleka kwezivumelwano zeenqwelo zeenqwelo
Olunye uhlobo lwekhontraki olufanelekileyo njengesivumelwano somshuwalense phantsi komgaqo-nkqubo wentengiso ngumvumelwano wokuqasha imoto. Umgaqo-nkqubo uphawula nayiphi na inkolelo yokuba uxanduva (wena okanye omnye wabasebenzi bakho ) ukungena xa uqesha okanye uqeshisa ngeenjongo zoshishino.
Inkontileka yokuqeshisa imoto i-Regina isayinwe iqulethe isivumelwano semvumelwano. Isivumelwano esidinga uRina ukuba abuyisele i-Rentals Reliable ngenxa yeendleko zomonakalo, ukulimala kwabanye, okanye ukulimala kwipropati yabanye abantu ngenxa yengozi eyenzekayo ngoxa uRigina wayesebenzisa isithuthi.
URegina wayiqeshisa imoto ngeenjongo zoshishino. Isivumelwano sokuqeshisa imoto siyafaneleka njengekhontraki yomshuwalense phantsi komgaqo-nkqubo wentengiso. Ngaloo ndlela, uRimina we-auto insurer kufuneka afake ixabiso lemfuno yenkampani yokurenta.
Akukho Mkhuseleko weZithuthi
Uninzi lwezivumelwano zemoto eziqeshisayo zibeka uxanduva kumthengi wokuqashisa ukulimala ngokomzimba kwimoto yokuqashisa. Ukuba umthengi ubonakalisa isithuthi ngenxa yengozi, kufuneka abuyisele inkampani yokuqeshisa ngeendleko zokulungisa isithuthi.
Ezi ndleko azithenganga ngokunyaniseka. Inkcazo yesivumelwano se- insured ingabandakanyi ngokukhethekileyo inxalenye yeso nkontileka yokuqeshisa inyanzelekile (okanye umqeshwa wakho) ukuhlawula umonakalo wepropati kwisithuthi sokuqashisa.
Unokuqinisekisa iinqwelo zokuqashisa ngomonakalo emzimbeni ngokuthenga ukukhutshwa komonakalo owenziwe ngokuzenzekelayo . Ngaphandle koko, ungathenga umonakalo wokulahlekelwa ngumonakalo (ngezinye izihlandlo obizwa ngokuba ngumonakalo wokutshatyalaliswa komonakalo) kwi-ejensi yokurenta.
Izithuthi eziqeshwe ngumqhubi
Inkcazo yesivumelwano se- insured ayibandakanyi nayiphi na isivumelwano esiya kuthi wena okanye umqeshwa wakho uhlawula umoto nomqhubi. Oko kukuthi, ukuba uthatha uxanduva egameni lenkampani yokurenta kwisivumelwano esiquka ukuqeshiswa kwesithuthi kunye nomqhubi, ukucinga kwakho kweemfanelo akuyi kubanjelwa.