Umgaqo oMgangatho
Uninzi lwabatshutshisi ababonelela ngeendlela zokuthengisa ngokuzenzekelayo zisebenzisa iifom zepolisi eziqhelekileyo ezipapashwe yi- ISO . Umgca we-ISO Business Auto Policy yiFom Auto Autoverage Form. Le fom iqulethe iinkalo eziphambili zomgaqo-nkqubo, kubandakanywa neziganeko zokubambisa (uxanduva kunye nokulimala ngokomzimba ), ukungabikho kwemibandela , imiqathango kunye neenkcazelo.
Iintlobo ezintathu ze-Insureni
Icandelo II leFom ye-Auto Autoverage Fomu ichaza abantu okanye amaziko afanelekileyo njengama-insureds phantsi koxanduva lokubambisa i-auto . La maphathi achazwe kumhlathi onesihloko esithi Who Is An Insured. Bahlulwe ngamacandelo amathathu:
- Wena: Unesiqinisekiso. "Wena" uthetha igama eliqinisekisiwe, umntu okanye inkampani efakwe kwizibhengezo.
- Abasebenzisi abavumelekileyo: Nabani na ongeyena oqhuba i-auto car, uqeshe okanye uboleke ngemvume yakho yokhuseleko. Okokuthi, ukuba uvumela umntu ukuba aqhube isithuthi sakho, urenti okanye ubolekise, umqhubi unesiqinisekiso. Abaqhubi beli candelo bavame ukubizwa ngokuba ngabasebenzisi abavumelekile.
- I-Omnibus Insureds: Kwakhona umntu okhuselekile ngumntu onoxanduva lokuziphatha okanye ukuziphatha komsebenzisi ovumelekileyo. Ngokuqhelekileyo kuthiwa yi- omnibus clause , eli gama libandakanya nabani na onokubanjelwa ngokusemthethweni ngengozi ebangelwa ngumntu ogunyazisiweyo okanye umsebenzisi ovumelekileyo.
Ebizwa ngokuba yiNkxaso-mboleko ininzi
Kule zintathu iintlobo zee-insureds, ufumana inqanaba elibanzi lokubhengezwa. Ukhutshelwe nayiphi na imoto. Ziziphi ii-autos "ezigutyungelwe" kuxhomekeke kwiimpawu zokubhaliweyo zemoto ezibonakalayo kwicandelo lokumisela lomgaqo-nkqubo wakho. Ngokomzekelo, ukuba isimboli 2 (i-autos ene-autos) ibonakala ngokukhawuleza kwiphepha-mboleko, ufunyenwe ngamabango avela kuyo nayiphi na imoto oyenayo.
Ngokufanayo, ukuba iimpawu ezi-8 kunye ne-9 (eziqashiweyo kunye nama -autos angenazo iimpahla ) ziboniswa, ufunyenwe ngamabango avela kuyo nayiphi na imoto oyisebenzisayo, kunye nayiphi na imoto ongeyena.
Qaphela ukuba wena (obizwa ngokuba yi-insured) uhlanganiswe nangona ungaqhubeki umoto xa kwenzeka ingozi. Oku kubalulekile kuba abaqeshi baxanduva lokunyanzelisa izenzo zabasebenzi babo. Ukuba uthe wagwetshwa ngenxa yengozi yemoto eyabangelwa ngumqeshwa ongenamdla, kufuneka ufunyenwe ibango.
Abaqeshwa baBanjelwe njengabasebenzisi abavumelekileyo
Uninzi lwabantu abaqhuba iinqwelo zenkampani banabasebenzi. Abaqeshwa bakho baqinisekisa ukuba uqhuba i-autos, uqeshe okanye uboleka ukuba ezo zithuthi zifunyenwe ngezimoto. (Iimoto ezibolekelelwe zifunyenwe njengezithuthi eziqashiweyo .) Oko kukuthi, abasebenzi baxutywa ngelixa beqhuba izithuthi ozithandayo okanye abaqesheyo nje kuphela xa uthenge ukuthengwa kweemfanelo kwi-autos okanye uqeshe. Ukuba i-coverage yakho yemfanelo iyasebenza kuphela kwii-autos, kubaqeshwa baqinisekisayo kuphela xa beqhuba i-autos. Awufihliwe ngelixa uqhuba i-autos oyisebenzisayo.
Iimoto ezisebenzayo
Ukuxhaswa kwabasebenzisi abakuvumelekanga akusebenzi kubalingane kunye nabasebenzi abaqhuba iimoto zabo. Izithuthi ezinjalo zibhekwa njengezi-autos ezingenabanikazi ngenxa yokuba azingabanikazi begama elibizwa ngokuba yi-insured.
Abalingani nabasebenzi abaqinisekanga ngelixa beqhuba ii-autos ezingenabanikazi, nokuba ngaba basebenzisa izithuthi kwiinkampani zoshishino.
Cinga ukuba iqumrhu lakho liqeshe abasebenzi abathengisayo abasebenzisa izithuthi zabo ukuba benze iifowuni kumakhasimende. Ufuna ukuqinisekisa abasebenzi bakho ukuba baphathe uxanduva phantsi komgaqo-nkqubo wakho wokuthengisa. Ngethamsanqa, ukuvunyelwa kuyafumaneka kule njongo. Abasebenzi abaqeshwe njengee-Insureds, oku kuvunyelwene nabasebenzi abaqhuba izithuthi zabo egameni lomqeshi wabo.
Qaphela ukuba imvume ihlinzeka ngokukhawuleza kwekharityhulam kuphela. Oku kuthetha ukuba umgaqo-nkqubo womntu womntu uza kusebenza kuqala xa lowo msebenzi ehlawuliswa ngenxa yengozi echaphazela imoto yakhe. Ukuvunyelwa kuya kusebenza kuphela emva kokuba umsebenzi womsebenzi usetyenziswe phezulu.
Omnibus Insureds
Udidi lwesithathu lwee-insureds lubandakanya nabani na onokubanjwa ngokunyanisekileyo ngenxa yengozi yemoto eyenziwa nguwe okanye umsebenzisi ovumelekileyo.
Oko kukuthi, iquka nayiphi na inxaxheba enokuthi ibanjwe ngokomthetho ngenxa yengozi yemoto eyenziwa nguwe okanye umntu usebenzisa izithuthi zakho ngemvume yakho. Nasi umzekelo.
Uphuhliso Lwezakhiwo luyinkontileka jikelele eyenza isakhiwo seofisi. I-Capital iqeshe abambalwa bee-subcontractors, i-Prime Painting kunye ne-Luxurious Landscaping. I-Prime Painting ithengile umgaqo-nkqubo wentengiso obonelela nge-autos. Ikontrakta yecingci isayine isivumelwano esithembise ukuqinisekiswa koKwakha koPhuhliso malunga naliphi na ibango elivela emsebenzini we-Prime Painting kulo msebenzi.
Ngelinye ilanga, uPaul, umqeshwa wePreint Painting, uhambisa enye yamaloli e-Prime Painting kwindawo yomsebenzi xa ephazamisa uLenny, umqeshwa we-Luxurious Landscaping. ULenny ubeka uPhuhliso lweZakhono. Inkundla yakhe ibanga ukuba ikontraka jikelele inesibophezelo ngenxa yokulimala kwayo ngenxa yokuba ayikwazanga ukugcina indawo yokusebenzela ephephile. Ulwakhiwo loPhuhliso oluPhambili luya phambili kubango kwi-Prime Painting kunye nokufunwa kweemfuno. Ukuba iCandelo loPhuhliso lweNkunzi lijongene noxanduva lokutyeshela umcwangcisi wokupenda, kufuneka lugqitywe kwibango phantsi kwe-Prime Painting yokuthengisa umgaqo-nkqubo. Inqununu ye-auto-insurer iya kunyanzeleka ukukhusela iNkunzi kunye nokuhlawula nayiphi na umonakalo owanikezwa kuLenny.