Umzekelo
Nasi umzekelo wengozi ebangelwa ukulayisha okanye ukulayisha.
Cinga ukuba unayo isitolo se-hardware. Isimo somoya esitolo sakho sagqitywe izolo. Iyunithi yokubuyisela ayayi kufumaneka kude kube ngeveki ezayo. Imozulu ishushu kangangokuba uqhube iqhubi lenkampani yakho kwisixhobo se-A-1 sokuqeshisa i-air conditioner ephathekayo.
Usayina isivumelwano sokuqeshisa kunye nomqeshwa ongu-A-1 ogama lakhe linguSteve ulayisha umgangatho wakho womoya kwiloli yesandla. Imoya yomoya ifakwe kwibhokisi enkulu. USteve ulandele iloli yakho ukuze ulayishe ibhokisi kwi sakho sithuthi. Iloli liqinisekisiwe ukuba lixanduva ngaphantsi komgaqo-nkqubo wentengiso.
Wena kunye noSteve ngamnye uthabathe umgca omnye webhokisi uze uqhubekele kumbhede. Ngokukhawuleza, isandla sakho sithatha kwaye usilahle ukuphela kwebhokisi. Ibhokisi ibhoxa emlenzeni kaSteve, iphostile iqhekeza. Ibhokisi i-slams kwi-konkrit, inonakalisa i-air conditioner ngamandla.
USteve uqokelela iingeniso kumcebisi wenkokhelo yempesheni yomqeshi.
Emva koko ubeka isohlwayo sakho ngenxa yokulimala komzimba. I-suit yakhe idinga i-25,000 yee-$ kwiimali ezihlawulwayo. Isitorethi sombane sifuna ukuba uhlawule i-$ 3500, ixabiso le-air conditioner eyonakalisiweyo.
Umthombo woKhuseleko
Amabango aphakanyiswayo ngaphandle kokulayishwa okanye ukulayishwa kwepropati kwi-auto okanye ngokusuka kwi-auto ngokuqhelekileyo ihlanganiswa phantsi kwe-inshorensi yemfanelo yoshishino lokuthengisa umthwalo.
Ukuze kubekho ilahleko ekufuneka ikhutshwe, kunjalo, le miqathango kufuneka iyaneliswe.
- Iimoto ezithintekayo kwengozi kufuneka zikhutshwe ngemoto.
- Umntu okanye inkampani egama libizwe kwibango okanye i-suit kufanele ibe ngumshwalense .
- Ummangali kufuneka abe nokulimala komzimba okanye umonakalo wepropathi ngenxa yengozi.
Kulo mzekelo ungentla, i-pickup yakho iyimoto ekhuselekileyo phantsi kwe-inshorensi yemfanelo ye-auto. Ingqine yakho inesiqinisekiso ngaphantsi komgaqo-nkqubo wakho. USteve, ummangali, ufuna umonakalo wokulimala komzimba ayenayo engozini. Ibango likaSteve malunga nenkampani yakho kufuneka likhutshwe yi-inshurensi yemfanelo yakho yemoto.
Umgaqo-nkqubo wentengiso ungabandakanyi amabango omonakalo omzimba afakwe ngabasebenzi bakho. Ukuba uSteve wayeqeshwe nguwe, ibango lakhe kwi-firm firm yakho ayinakufihlwa.
Amabango aphakanyiswayo ekulayisheni okanye ukulayishwa kwepropati okanye kwi-auto ayabandakanywa phantsi komgaqo-nkqubo ojongene noxanduva . Ukukhutshwa oku kujoliswe ekuthintela ukuphindaphindwa kobhengezo olunikezwa ngumgaqo-nkqubo wendlela.
Akukho Mgangatho wePropati otyithwe okanye olayishiwe
Qaphela ukuba umonakalo kwipropati elayishwe okanye elayishwayo ayihlanganiswa phantsi komgaqo-nkqubo we-auto. Ipropati wena (okanye enye i-insured) ukulayisha okanye ukulayisha ibonwa njengepropati "yokunyamekela, ukugcinwa okanye ukulawula." Ukulimala kwipropati enjalo kungabandakanywa phantsi kwe- inshorensi yemfanelo ye-auto ngokunyamekela, ukugcinwa okanye ukulahlwa.
Ngenxa yolu hlobo, umonakalo wepropati isimangalo kwi-firm firm yakho ngu-A-1 I-Appliance ayifihliwe ngumgaqo-nkqubo wakho.
Ukuphazamisa Ukulimala Kweminye Impahla
Inyhurensi yemfanelo yoshishino lokuthengisa umthwalo wonakaliso wepropati yomntu wesithathu eyenzeka ngexesha lokulayisha okanye ukulayisha inkqubo ukuba ipropati eyonakalisweyo ngaphandle kwepropathi elayishwe okanye ilayishwe. Ngokomzekelo, cinga ukuba wena noSteve (kwimeko yangaphambili) sele nithatha i-air conditioner. Ibhokisi ikhupha isandla sakho. Esikhundleni sokuwa emlenzeni kaSteve, kuphazamiseka kwi-hood yemoto yemidlalo egxininiswe kufuphi. Imoto iyomthengi we-A-1 Appliance. Isithuthi sinobubi. Ukuba umnini-moto uyifaka umonakalo wepropati yakho kwinkampani yakho, ibango kufuneka lifakwe ngumgaqo-nkqubo wakho.
Izixhobo zoMatshini
Iipropati zivame ukulayishwa okanye zilayishwe kwisithuthi ngokuncediswa kweso sixhobo esinjenge-forklift.
Umgaqo-nkqubo wecala ungabandakanyi ukulimala komzimba okanye umonakalo wepropati obangelwa ukuhamba kwepropati kwisixhobo sokucwangcisa ngaphandle kokuba isixhobo siqhotyoshelwe kwi-auto. (Ukukhutshwa ngaphandle akusebenzi kwiloli yesandla.) Umzekelo wesicatshulwa esicatshulwayo siyakutyholwa sisikhwele esiqhotyoshelwe kwiloli.