Umgaqo omnye ukuphepha ukuphindaphinda
Ukuba ungumnikazi wedwa, unokwakho izithuthi zorhwebo ozisebenzisayo kwishishini lakho. Ii-autos zentengiso kufuneka ziqinisekiswe phantsi komgaqo-nkqubo womgaqo-nkqubo. Unakho nokuba neyodwa okanye ngaphezulu kwee-autos ezihamba ngasese ozisebenzisa ngexesha lokungasebenzi. Ngaba ufanele uqinisekise ama-autos akho ahamba ngasese phantsi komgaqo-nkqubo wezemoto ozimele ? Impendulo ayikho.
Iingxaki zinokuvela ukuba umnini-mhlaba oyedwa ugcina imigaqo-nkqubo ehlukeneyo yemoto, enye ye-autos kunye nomnye kwiimoto zorhwebo. Oku kungenxa yokuba zombini imigaqo-nkqubo inikezela ngokuzenzekelayo ngokuzenzekelayo izithuthi ezingabhalwa kwiimpapasho. Bobabini banako ukufumana ezinye izithuthi ezifumanayo emva komhla wokuqalisa komgaqo-nkqubo. Bobabini banikezela ngokukhawuleza ngokwemoto kwisithuthi esisetyenzisiweyo njengesigxina sexeshana somoto ophelelwe yinkonzo. Ezi ngxelo zingase zenzeke.
Ukuqhawulwa kwee-collar kungenziwa kwakhona ngokubhekiselele kwii-autos eziqashiweyo kunye ezingenabo.
Uninzi lwemigaqo-nkqubo yomntu yandisa i-inshorensi yoxanduva lokugubungela amaqela ase-insured ngelixa uqhuba ii-autos ezingenazo, kuquka nezithuthi zerenti. Iindidi zee-autos ezigqitywe phantsi komgaqo-shishini zorhwebo zixhomekeke kwiimpawu zokuqeshiswa kweemoto eziza kubonakala kwiimvakalo. Ngokuxhomekeka kwiimpawu ezisetyenzisiweyo, umgaqo-nkqubo wentengiso unokufumana ukukhutshwa kweemoto eziqashiweyo (izithuthi eziqashisayo) kunye nama -autos angenawo.
Ukuphindaphinda kwakhona kwintlawulo yenkunkuma yeprayim. Ingakhokelela kwakhona kwimibango yokukhawuleza ukuba ngaba ishishini kunye nemigaqo-nkqubo yabomi ikhutshwe ngabatshutshisi abahlukeneyo. Ukuba kwenzeka ingozi enokuthi ikhutshwe ngumgaqo-nkqubo, abaqinisekisayo abanokungavumelani noluphi na umntu onoxanduva lokulahleka.
Umntu ngamnye obizwa ngokuba yiNkxaso yokuVikela
Ukuba ungumnikazi wedwa, kwaye unomntu oyedwa ongayisebenzisiyo kwi-shishini lakho, unokuqinisekisa zonke ii-autos zakho phantsi komgaqo-nkqubo wentengiso. Ukuvunyelwa kwe- ISO esemgangathweni, enesihloko esithi Individual Named Insured, isetyenziselwa ukuzenzelela ngokukhawuleza ngokuzenzekelayo kumgaqo-nkqubo wakho wezorhwebo. Ukuvunyelwa kufumaneka kuphela ukuba ishishini lakho liphantsi kwakho ngabanye. Ayinakusetyenziswa ukuba ishishini lakho liyinkampani, intsebenziswano okanye nayiphi na into efanelekileyo yomthetho ngaphandle kweyodwa.
Ngubani Ofihliweyo?
Ukuvunyelwa kubandakanya umlingane wakho kwingcaciso yakho kunye nawe. Ngenxa yoko , lakho iqabane libizwa ngokuba li-insured nje kuphela xa ehlala ekhaya lakho. Ukwamukelwa kukwazisa amalungu akho osapho njengama-insureds ngelixa basebenzisa i-autos ekhuselekileyo (okanye iqabane lakho) ngokwalooohlobo lwama- autos. Eli gama lithetha iimoto, ii-vans, kunye ne-pickups ezingasetyenziselwa iinjongo zoshishino (ngaphandle kokulima okanye ukuhamba).
Amalungu entsapho akhoyo xa eqhuba i-autos ongeyena. Umzekelo, unyana wakho oneminyaka eli-10 ubudala uboleka imoto yommelwane ukuba asebenze i-errand kwaye ubandakanyeka engozini apho omnye umqhubi emele. Ukuba umqhubi omazileyo unyanzelisa unyana ngenxa yokulimala komzimba , umgaqo-nkqubo uza kuwufaka ibango. Ukukhutshwa kwakho kwesikhundla kusebenza ngokubanzi ngaphezu kwanoma yiyiphi inqaku elifumaneka phantsi komgaqo-mmelwane.
Akukho Msebenzi wokuKhutshwa kwabasebenzi
Umntu ngamnye obizwa ngokuba yiNkxaso-mboleko ekhuselweyo yabanini-mali uyakunqanda ukukhutshwa kwabasebenzi kunye nabasebenzi abasebenzisana nabo okanye nabasebenzi bamalungu entsapho. Ukuxothwa kupheliswe ngenxa yokuba ezininzi iinkqubo zomgaqo-nkqubo azibandakanyi izibophelelo zabasebenzi abachaphazelekayo.
I-Autos Ayifihliwe
Umntu ngamnye obizwa ngokuba yiNkxaso-mboleko ayikhuseleli amalungu akho entsapho ngelixa uqhuba enye yezinto ezilandelayo:
- Ii-Autos ezinamalungu entsapho (ngaphandle kweqabane lakho) . Umzekelo, intombi yakho eneminyaka engama-20 inemoto ebhaliswe egameni lakhe. Akunjalo naye nawuphi na ilungu lentsapho li-insured phantsi komgaqo-nkqubo wakho wokuthengisa umoto xa uqhuba eso sithuthi.
- Nawuphi na umbane owenziwe okanye okhoyo ukusetyenziswa kwakho okanye ukusetyenziswa kwanaliphi na ilungu losapho . Ngokomzekelo, umqeshi wakho umqeshi unika imoto yenkampani. Akunjalo naye nawuphi na ilungu lentsapho li-insured phantsi komgaqo-nkqubo wentengiso yakho ngenkathi usebenzisa imoto yakhe yenkampani.
- Nayiphi na imoto esetyenzisiweyo kwishishini lokuthengisa, ukulungiselela, ukulungisa okanye ukupaka iimoto. Ngokomzekelo, unyana wakho oneminyaka eli-10 ubudala usebenzela ixesha eliyingxenye yenkampani enika ukupaka izimoto . Ingane yakho ayikho i-insured phantsi komgaqo-nkqubo wakho wokuthengisa umbane ngenkcitho yokuthengisela abathengi.
- Naliphina imoto, ngaphandle kohlobo lomoto lwabathengi, olusetyenziswe nayiphi na enye ishishini okanye umsebenzi . Ngokomzekelo, intombi yakho inomlilo weetoni ezimbini eyisebenzisayo kwishishini lomklami welizwe. Intombi yakho ayikho i-insured phantsi komgaqo-nkqubo wentengiso yakho ngelixa usebenzisa iloli.
Ilungu lentsapho ilungu lithetha umntu odibana nawe ngegazi, umtshato okanye uwamkelwa ngubani ohlala kwindlu yakho. Iquka iwadi kunye nabantwana abakhulayo.
Ukulimala ngokomzimba
Umntu ngamnye obizwa ngokuba yiNkxaso-mboleko ekhushulwayo yenze uguqulelo olubalulekileyo phantsi komgaqo-nkqubo wakho wentengiso ngokubhekiselele kumonakalo womonakalo ngokomzimba . Ukuba unayo isithuthi sothutho lwabazimeleyo ezifihliweyo ukwenzela ukukhahlazeka komonakalo, umonakalo owenziwe ngokwasemzimbeni usebenza kunoma yimuphi umbane ongekho.
Injongo yeli gama kwi-endorsement ihluke kwilo mgaqo-nkqubo wentengiso. Ngokwemvume, umntu ongeyena-auto-mali uthetha nayiphi na isithuthi sezithuthi ezihamba ngasese, i-pic, i-van okanye i-trailer eqhutyelwa yiyo, kodwa ayinayo okanye ilungu lentsapho. Incazelo ayikhupheli nayiphi na isithuthi esinikezwa okanye esilungele ukusetyenziswa rhoqo okanye ilungu lentsapho. Ininzi yakho ye-inshurensi iya kuhlawula umonakalo ongokwenyama kunoma yiphina i-trailer engenaye i-$ 500.
Ukuze ubone ukuba le nkonzo isebenza njani, yicinga ukuba unesithuthi sezithuthi ezizimele. I-auto iyagcinwa phantsi komgaqo-nkqubo wakho wokuthengisa umthwalo wokuxanduva, olubanzi kunye nokudibanisa. Indodakazi yakho eneminyaka elivisayo iboleka imoto kumhlobo ukuqhuba i-errand. Uqhuba imoto xa ekhwela kwisiqwenga seqhwa aze ahlasele umthi. Akayingozi kodwa ngaphambili kwelo lililo lonakaliswe.
Ngenxa yokuba isithuthi saloo mntu ufihliweyo sifikelelwe umonakalo emzimbeni, umonakalo owenziwe ngomzimba ufikelela kuma-autos awunayo. Le ngxelo iyasebenza ngokugqithiseleyo kuba imoto engonakaliyo ayikho. Ukuba isithuthi sakho intombi iqhubayo ayikho i-insured yokulimala emzimbeni, i-inshorensi yakho yomonakalo kufuneka ifake ilahleko (ngokubhekiselele kwi-deductible)
Isaziso soKhoxiswa
Njengoko kuthethwe ngaphambili, iqabane lakho liyafaneleka njengegama eliqinisekisiwe phantsi koMntu ogunyazisiweyo ogunyazisiweyo. Nangona kunjalo, lakho iqabane alinelungelo lokufumana isaziso sokukhansela . Ukuba i- inshurensi yakho igxotha ipolisi yakho, iya kuthumela isaziso kuwe kuphela.