Kutheni Kuthetha Ukuba Ushishino Lwenu Ludinga Uncedo LokuziThengisa
Ayilungelwe Amashishini
Umgaqo-nkqubo womntu wenzelwe ukufihla abantu, kungekhona amashishini ashishino.
Ichaza ngokucacileyo i- insured njengomntu ogama lakhe kumabhengezo kunye neqabane lomntu kunye namalungu entsapho. Kucacile ukuba, amaqabane omtshato kunye nelungu lentsapho alingafanelekanga kwiqumrhu elithile ngaphandle kwelokuthengisa. Qaphela ukuba ukuba ishishini lakho lilodwa lendawo, ungaqinisekisa amalungu akho entsapho phantsi komgaqo-shishini ngomntu ogunyazisiweyo.
Amashishini angabikho
Enye ingxaki ngemigaqo-nkqubo yemoto kukuba ayibandakanyi ingozi ehlobene nezoshishino. Nazi ezinye iziphumo eziqhelekileyo ezifumaneka kwimigaqo-nkqubo yemoto:
- Ukukhutshwa kwe-Auto Auto Imigaqo-nkqubo emininzi ayifaki ukusetyenziswa kwesithuthi ngumntu oqeshwe okanye osebenza kwishishini ngaphandle kokulima okanye ukuhamba. Ukukhutshwa ngaphandle akusebenzi kwisithuthi sabasemagunyeni okanye kwindawo encinane okanye i-van engasetyenziswanga ukuhambisa okanye ukuthutha impahla kunye nezixhobo. Ngokuqhelekileyo, iloli okanye i-van "incinci" ukuba inesisindo esinqwelisiweyo sezithuthi ngaphantsi kweepounds ezili-10. Ukukhutshwa kwesi sikhokelo kukuba ufuna ukuthengiswa kwezithuthi zentengiso ukuba unayo isithuthi esikhulu kunama-pounds ayi-10. Uyakufuna kwakhona le ngxelo xa usebenzisa nayiphi na imoto yesayizi ngenjongo yokuhambisa okanye ukuthutha impahla.
- Ukukhutshwa kweShishini soBucala Ukukhutshwa oku kusebenza kwii-autos ezisetyenziswe kwishishini elibandakanya ukuthengisa, ukulungisa, ukupaka, ukugcina okanye ukuhambisa ii-autos. Imizekelo yintengiso kunye nesitolo sokulungisa. Ukuba usebenzisa nayiphi na izithuthi zolu hlobo lweshishini, kufuneka u-inshurensi yoshishino.
- Ukukhutshwa kweLivery Ngokukodwa yonke imigaqo-nkqubo yodwa ingabandakanyi ukusetshenziswa kwe-auto (iilori okanye uhlobo lwabathengi abazimeleyo) ukuthutha abantu okanye ipropati yerhafu. Imizekelo iteksi kunye ne-autos ezisetyenziselwa ukuhambisa i-pizza okanye iipakethi. Ukukhutshwa kwale ndlela kusebenza kwizithuthi ezisetyenziselwa amashishini ahlalisayo njenge-Uber neLyft.
Ukukhutshwa kwezinto zentengiso "kuvulwe ukuchazwa. Nangona kunjalo, ukuba usebenzisa ilori elincinane okanye i-van ukwenzela ukuhambisa izithengi kubathengi okanye ukukhupha izixhobo kwindawo yomsebenzi, kufuneka ucinge ngokungathetheki ngokuthenga umgaqo-nkqubo wezorhwebo.
Eminye imida
Kukho ezinye iinkalo zomgaqo-nkqubo wezemoto ezizenzayo ezingafanelanga ukuqinisekisa ishishini. Nazi ezinye zazo:
- Akukho Mboleko ozenzekelayo Umlinganiselo womgaqo-nkqubo wemizi-mveliso kwizithuthi ezidweliswe kwishedyuli. Inika ukukhawulelana kakhulu kwezithuthi ozifumanayo ngexesha lepolisi. Ngokwahlukileyo, umgaqo-nkqubo wezopolitiko unokufihla ngokuzenzekelayo nayiphina imoto oyifumanayo ngexesha lomgaqo-nkqubo.
- Ukukhatyathwa ngokukodwa Ukukhutshwa kwe- Coverag e Ngaphantsi komgaqo-nkqubo wokuzimela komntu siqu, izithuthi eziqashisayo zihlanganiswe ukulimala komzimba kuphela xa uthengile umonakalo owenziwe ngumzimba we-autos. Ngaphantsi komgaqo-nkqubo womgaqo-nkqubo, ungathenga umonakalo owenziwe ngokwasemzimbeni weemoto eziqeshwe kuphela. Umgaqo-shishino uphinde ubhekise iindleko zokusetyenziswa kunye neendleko zokuthutha. Uninzi lwemigaqo-nkqubo ye-siqu ayifaki ukubandakanya ezi ngxelo.
- Ukungqineliseki Kancinci Umgaqo-nkqubo wokuzimela umgaqo-nkqubo wokuzimela umgaqo-nkqubo wecandelo lomgaqo-nkqubo wecandelo lomgaqo-nkqubo. Umgaqo-nkqubo wezoshishino unokulungelelaniswa ukuhlangabezana neemfuno zakho ngokusebenzisa ukusetyenziswa kweempawu zamaphepha kunye nokuvumela .
Imigaqo yokuBhala phantsi
Ngaphandle kwezibonelelo zomgaqo-nkqubo ngokwazo, kufuneka kwakhona ukuba uqwalasele isimo sakho somshuwalense ekuqinisekiseni umngcipheko wezoshishino. Umshurensi ngamnye unemithetho yakhe. Kufuneka uqaphele ngaphambi kokuba uthenge umgaqo-nkqubo , kungekhona emva kokuba wenze ingozi. Umshuwalense wakho unokuvunyelwa ukufihla ezinye iintlobo ze-autos-use autos kodwa ingabanye.
Qaphela ukuba uninzi lwababasemagunyeni bezithuthi zabo aziyi kukhupha i-autos yokubambisa i-autos ebhaliswe kwi-shishini (ngaphandle kwe-property ownership). Ukuba izithuthi zakho zibhaliswe egameni lenkampani, ubambiswano okanye olunye uhlobo lweshishini lombutho, kuya kufuneka ukuba uthenge ukuthengiswa kwezinto zokuthengisa.
Imida engekho
Ekugqibeleni, ezininzi iinkqubo zomgaqo-nkqubo wezemoto azinikezeli umda onyanzelekileyo owenzela ishishini. Umda ophezulu okhoyo kwi-auto insurer yakho ngokuqhelekileyo i-$ 500,000.
Ngaphandle kolunye uhlangothi, ukubonelela ngokukhawuleza ukunika umlinganiselo wemali eyi-1,000,000 yemoto . Musa ukukhangela i-inshorensi yemfanelo! Imali isetyenziswe kakuhle. Ingozi enye ebandakanya ukulimala komzimba okunokubangela ukuba kubekho ibango elikhulu lokumangalela kuwe. Ukuba awunayo i-inshorensi yemfanelo efanelekileyo, enye ibango ingafaka iqumrhu lakho ngaphandle kweshishini.
Inqaku elihlelwe nguMarianne Bonner