Ukubaluleka
Iimpawu zeenombolo kumgaqo-nkqubo wakho wezemoto zibalulekile kuba zikhetha ukuba zeziphi ii-autos ezifanelekile njenge-autos ezikhuselekileyo.
Kuphela "ii-autos ezigubungeleyo" ziqinisekisiwe phantsi komgaqo-nkqubo wakho. Masithi umonakalo wengozi uvelisa ibango leemfanelo zecala kwi-firm firm yakho. Ukuba isithuthi esithunywe ngumqhubi we-fault-fault is not auto-covered, ibango aliyi kugutyungelwa. Ngokufanayo, i-insurer yakho ayiyi kuhlawula umonakalo ongokwenyama kwisithuthi esingenakufaneleka njengemoto ephantsi komgaqo-nkqubo wakho.
Iimpawu zeMoto eziCwangcisiweyo
Iimpawu zokuqeshwa kweemoto ezifakwe kwiifom ziquka amanani 1 ukuya ku-9 kunye no-19. Isimboli ngasinye samanani sibonisa uhlobo oluthile lwe-autos, njenge "autos owned" okanye "ii-autos eziqashiweyo." Umgaqo-nkqubo uza kufaka icandelo elichaza intsingiselo yesimboli ngasinye. Eli candelo lidla ngokubonakala kwiphepha 1 leFom ye-Auto Autoverage Form. Injongo yesimboli ngasinye ichazwe ngezantsi.
Uphawu 1
Kwiimpawu ezi-10 ezikhoyo, isimboli 1 sinika i-coverage ebanzi. ISimboli 1 sichaza nayiphi na imoto, equka zonke ezi zilandelayo:
- i autos
- ii-autos oziqeshisayo, ukuqesha, ukuqeshisa okanye ukuboleka
- i-autos awunayo (i-autos engekho)
Qaphela ukuba iSimboli 1 singasetyenziselwa ukukhupha i- auto responsibility responsibility . Ayinakusetyenziswa ukuqala nayiphi na enye uhlobo lokubhengezwa. Imimiselo elandelayo ibonisa ukuba lo mqondiso usebenza njani.
Umzekelo 1 Wena, uJack Jones, ungumnikazi wedwa webhishini lokubonisana elibizwa ngokuba nguJones Inc.
Uthenge umgaqo-nkqubo wentengiso obonisa isimboli 1 (nayiphi na imoto) yokukhutshwa kwemfanelo. Bobabini (Jack Jones) kunye nebhizinisi lakho (Jones Inc.) kuthiwa yi-insureds kumgaqo-nkqubo wakho. Ngenye imini, uqhuba isithuthi esiphethwe yinkampani yakho xa ungaphumelelanga ukuphela kwesinye isithuthi. Umqhubi waloo moto uyalimala, kwaye uzitshutshisa ngokwabo ngenxa yokulimala komzimba . Ingaba umgaqo-nkqubo wakho uza kubhalela i-suit?
Ngaphantsi kwe-BAP eqhelekileyo, wena (obizwa ngokuba yi-insured) unesiqinisekiso nakweyiphi na inqwelo. ISimboli 1 sichaza nayiphi na imoto . Ngethuba lengozi wena (uJack Jones) wawuqhuba imoto ephantsi kwenkampani yakho. Nayiphi na imoto iquka i-autos enegama eliqinisekisiwe. Ibango kufuneka likhutshwe ngenxa yokuba unesiqinisekiso, kwaye isithuthi owaqhubayo xa kwenzeka ingozi yinto ehambayo.
Umzekelo 2 Ucela uSteve, omnye wabasebenzi bakho, ukuba aqhube esitokisini esiseduze ukuze athenge inkini kumshicileli wenkampani. USteve uyavumelana, usebenzisa isithuthi sakhe. Ubuyela eofisini xa ehlasele ngenye indlela imoto. Umqhubi wesinye isithuthi ulimele engozini. Emva koko uyayithatha ibini inkampani yakho (Jones Inc.) kunye noSteve ukulimala komzimba.
ISimboli 1 sibonakala kwimigaqo-nkqubo yakho yokubhengezwa kwemfanelo.
Njengomntu ogunyazisiweyo ogqityiweyo, uJones Inc. ungumntu okhuselekile ngeengozi ezibandakanya nayiphi na imoto. Isithuthi seSteve sifaneleka ukufumana umbane ongekho. Yayisetyenziselwa egameni lakho shishini xa kwenzeka ingozi, kodwa isithuthi asinazo okanye inkampani yakho. Nayiphi na imoto iquka umbane ongekho. Ngaloo ndlela, isithuthi sikhephe, kwaye i-suit ngokumelene no-Jones Inc. ifakwe.
Kuthiwani ngoSteve? Ngelishwa, akayiyo i-insured. Abaqeshwa bayagcina i-insureds phantsi komgaqo-nkqubo wendlela yokuthengisa kuphela ngelixa beqhuba iimoto zabo, eziqashiweyo okanye ezibolekelelwe ngumntu oqeshwe nge-insured. Ngexesha leengozi, uSteve wayeqhuba isithuthi esinazo ngokwakhe. Ngaloo ndlela, ibango elimelene naye alinakucetyiswa ngumgaqo-nkqubo wakho.
Iimpawu 2, 3 ne-4
Iimpawu ezintathu ezilandelayo zikhetha i-autos enegama. ISimboli 2 senza i-cover for all autos.
Ezi ziquka zombini uhlobo lwezithuthi zabangasese kunye nezithuthi zorhwebo (iilori). ISimboli 3 sichaza i-autos yabagibeli bebucala kuphela. Isalathiso 4 senza ukuba kubekho iifayili zezithuthi zorhwebo kuphela.
Iimpawu ze-2, 3 ne-4 zifumana ukubonelela ngokuzenzekelayo nge-autos ozifumanayo ngexesha lepolisi. Iimpawu ze-2 kunye ne-4 zithengela ngokuzenzekelayo ukuxhomekeka kwimbopheleleko ye-trailer ongeyakho inamathele kwimoto okanye kwilori oyenayo.
Iimpawu ezi-5 no-6
Ezi zimboli zisebenza kwiziganeko ezithile. ISimboli 5 sisetyenziselwa ukubonelela nge- autos coverage ye-autos eyakho, xa loo ngxelo ifunwa ngumthetho. Isalathiso 6 sisetyenziselwa ukukhupha i-autos yokufihla imoto. Le fayile isetyenziswe kuphela xa ufunwa ngumthetho ukuthenga, kwaye ayikwazi ukukhanyela, ukukhutshwa kwe-UM.
Uphawu 7
Kwiimpawu ezi-10 ezifumanekayo, isimboli 7 yinto enqande kakhulu. Iquka kuphela ezo zithuthi ezichazwe kwiimpapasho. Ukuba isimboli sesi-7 sibhalwe kuyo nayiphi na inkcazo, ukuba i-coverage isebenza kuphela kwizithuthi ezicwangcisiweyo kumgaqo-nkqubo.
ISibonakaliso sesi-7 sinikela ngokukhawulelana ngokukhawuleza kwezithuthi ozifumanayo emva komhla wokuqalisa komgaqo-nkqubo. Naliphi na isithuthi esitsha esikhankanywe kuphela kwizibonelelo ezifakwe kuwo onke ama-autos onawo.
Ngokomzekelo, cinga ukuba unayo i-autos ezimbini, zombini ezo zibophelelwe uxanduva kunye nezigxiba ezipheleleyo. Ufumana i-auto entsha ngexesha lepolisi. Zonke ii-autos ezakho zibophelelwe uxanduva kunye neengqinisiso ezipheleleyo, ngoko-ke yakho imoto entsha iya kuqinisekisiwe kulezo zibonelelo. Nangona kunjalo, isithuthi sakho esitsha siya kuhlawulelwa ezi zithuba kwiintsuku ezingama-30 kuphela. Ukuba ufuna ukuqinisekisa ukuba isithuthi sakho esitsha sinomonakalo okanye umonakalo ongasemva kweentsuku ezingama-30, kufuneka ubike ingxelo entsha ye-auto kwi-insurer yakho. Kufuneka uhlawule i-premium esebenzayo.
Masithi uthengela isithuthi esitsha ukutshintsha indawo oyithengisayo okanye " yayiphelelwe " kwengozi . Isithuthi esitsha esithatha indawo enye oye wayinayo ngaphambili inikwe iifayili ezifanayo ezifake kwi-vehicle yangaphambili. Ezi zibonelelo ziya kuphelelwa lixesha kwiintsuku ezingama-30 ngaphandle kokuba ubike isithuthi esitsha kwi-insurer yakho.
Nangona i-Symbol 7 kufuneka ikhutshwe ngokuqhelekileyo, kukho iimeko apho eli fayile lifanelekileyo. Ngokomzekelo, ake sithi unamaloli amathathu eemoto. Uqiniseke ngelinye iloli oyisebenzisayo kwishishini lakho ngaphantsi komgaqo-nkqubo wentengiso. Uqeshisa ezinye iilori ezimbini kwenye inkampani. Ezi zixhobo ziqinisekisiwe ukuba zinyanzeliso phantsi komgaqo-nkqubo wezithuthi, kwaye awufuni ukuziqinisekisa phantsi komgaqo-nkqubo wakho. Ngaloo ndlela, umgaqo-nkqubo uquka iSikhumbuzo sesi-7 sokuba uxanduva.
Uphawu 8
Isimboli 8 sichaza ama-autos aqeshwe . Eli gama liquka izithuthi oziqeshayo, ukuqesha, ukuqeshisa okanye ukuboleka. ISimboli 8 asifihla nayiphi na imoto oyisebenzisayo, ukuqeshisa, ukuqeshisa okanye ukuboleka kuyo nayiphi na yabasebenzi bakho, amaqabane okanye amalungu (ukuba unyanzelekile kwinkampani) okanye nawaphi na malungu awo. ISimboli 8 singasetyenziselwa ukuqinisekisa i-autos eziqashiweyo ukuxanduva okanye ukukhawuleza ukukhawuleza.
Uphawu 9
ISimboli 9 sisetyenziselwa ukugubungela ii-autos ezingenabanikazi . Ii-autos ezingenamntu zizithuthi ozisebenzisayo kwishishini lakho kodwa ezingabakho, ukuqesha, ukuqeshisa, ukuqeshisa okanye ukuboleka. Imizekelo izithuthi eziphantsi kwabasebenzi bakho okanye amaqabane kunye nokusetyenziswa kwishishini lakho.
Uphawu 19
Ekugqibeleni, isimboli 19 sichaza izixhobo eziselula eziphantsi komthetho onyanzelekileyo okanye ojongene noxanduva lwemali. Eli fayile alisoloko lifuneka. Ngaphantsi kwe-BAP eqhelekileyo, izixhobo zokusebenza (ezifana ne-bulldozer okanye i-forklift) enyanzeliswa ngumthetho ukuqinisekisa ukuba uxanduva lithathwa njengemoto ngelixa liqhutyelwa kwindlela kawonkewonke. Isithuthi esinjalo sinokugutyungelwa ngeyiphi na isimboli esenza ukuba kubekho i-autos yokuthengisa. Imizekelo impawu 2 no-4.
Isiqulatho 19 singasetyenziswa xa ufumana izixhobo zeselula ngexesha lepolisi, isithuthi kufuneka siqinisekiswe ukuba sibe nesibophelelo, kwaye akukho nanye impawu ezikhoyo ezifanelekileyo. Ngokomzekelo, cinga ukuba uthengisa umgaqo-nkqubo wentengiso ophethe kuphela i-autos esebenziweyo nabangekho. Kwiinyanga ezimbini emva kokuba umgaqo-nkqubo wakho uqala ukuthenga i-forklift ukuba ufunwa ngumthetho ukuqinisekisa ukuba uxanduva. Iimpawu ze-8 kunye ne-9 azifaki kwii-autos ezinomnini. Ngaloo ndlela, isimboli 19 singenakongezwa kumgaqo-nkqubo wakho ukuba uqalise ukukhutshwa kwemfanelo kwi-forklift yakho xa iqhutyelwa kwindlela kawonkewonke.
Uhlolo lweNkulumbuso
Imigaqo-nkqubo yemoto yenzelwa ukuphicothwa kokugqibela, eqhutywa emva kokuba umgaqo-nkqubo usuphelile. Ukuphicothwa kuyadingeka xa umgaqo-nkqubo uquka iimpawu ezibonelela ngokuzenzekelayo ngezithuthi ezitsha zifumaneke.
Ngokomzekelo, cinga ukuba umgaqo-nkqubo wakho ubonisa isimboli 1 somthwalo kunye nesimboli 2 somonakalo ngokomzimba. Ufumana izithuthi ezintsha ezininzi ngexesha lomgaqo-nkqubo. Ngenxa yokuba umgaqo-nkqubo wakho unikezela ngokukhawuleza nge-autos yokufumana ii-autos ezifunyenweyo, akumele uxelele umshwalense wakho ngexesha lokuthengiselana. Kunoko, uthumela ingxelo ekupheleni kwenkqubo yepolisi eluhlu lwezithuthi oziphetheyo xa umgaqo-nkqubo usuqala, kunye nee autos ozifumane ngexesha lomgaqo-nkqubo. I-insurer yakho ibala i-premium yakho yokugqibela ngokusekelwe kwingxelo.