Njodzi dzinoitika, dzimwe nguva dzichikonzera kukanganisa kusingatarisirwi kupfuma, kusanganisira gonhi rako regaraji.Kunyangwe iri diki rakabhenda fender kana kuparara kwakanyanya, zvakakosha kuti uzive kana auto inishuwarenzi yako inobhadhara mutengo wekugadzirisa kana kutsiva gonhi regaraji rako.Mune ino blog, isu tichaongorora zvakadzama nezve auto inishuwarenzi yekuvhara uye kuti inobata sei gonhi regaraji rakakuvadzwa.
Dzidza nezve auto inishuwarenzi coverage:
Auto inishuwarenzi mitemo inowanzova nemhando dzakasiyana dzekuvhara, dzakadai sevhavha yemhosva, kuvharwa kwekuvhara, uye kuvharwa kwakakwana.Ngationgororei idzi sarudzo dzeinishuwarenzi uye kuti dzinobatana sei nekukuvara kwegonhi regaraji.
1. Inishuwarenzi yemhosva:
Inishuwarenzi yemhosva inovhara kukuvadzwa kune vamwe mutsaona yakakonzerwa nemhosva yako.Nehurombo, kuvharwa kwemhosva hakushande pakukuvadzwa kwepfuma yako, kusanganisira gonhi regaraji.Saka kana ukangoerekana warova gonhi regaraji rako paunenge uchipaka, inishuwarenzi yemhosva haivhare kugadzirisa kana kutsiva.
2. Collision insurance:
Collision inishuwarenzi inovhara kukuvadzwa kwemotokari yako paunodhumhana neimwe mota kana chinhu.Kunyange zvazvo inshuwarisi yekudhumhana inogona kuvhara kukanganisa kumotokari yako, haisati ichivhara kukanganisa kune imwe nzvimbo, yakadai semagonhi egaraji.Naizvozvo, inishuwarenzi yekudhumhana inogona kusapa iyo inodiwa yekuvhara kana ukakuvadza gonhi regaraji rako nekuda kwekudhumhana.
3. Comprehensive insurance:
Inishuwarenzi yakazara inovhara kukuvadzwa kwemotokari yako kunokonzerwa netsaona dzisina kudhumhana dzakadai sekuba, kuparadza kana njodzi dzinongoitika dzoga.Neraki, inishuwarenzi yakazara inogona kuvhara kukuvadzwa kumusuwo wako wegaraji chero bedzi yakavharwa pasi pemutemo.Kana gonhi rako regaraji rakakuvadzwa nebazi remuti rakawa kana mamiriro ekunze akaoma, inishuwarenzi yakazara inogona kuvhara mari yekugadzirisa kana kutsiva.
Zvimwe zvinotariswa:
1. Deductible: Kunyange kana auto inishuwarenzi yako inovhara garaji kukuvadzwa kwegonhi, zvakakosha kufunga nezve deductible yako.Iyo inobviswa ndiyo mari yaunofanirwa kubhadhara muhomwe inishuwarenzi isati yatanga. Kana mutengo wekugadzirisa kana kutsiva gonhi regaraji rako zvakanyanya kushoma pane inobviswa, zvingave zvisina kukodzera kuisa chikumbiro.
2. Mamiriro emitemo: Politi yega yega yakasiyana, saka zvakakosha kuti uongorore zvakare mitemo nemamiriro emutemo wako maererano nekukuvadzwa kwemidziyo.Mimwe mitemo inogona kunyanya kusabvisa kuvharwa kwemagaraji kana zvivakwa zvakaparadzana nekwaunogara.Zvijaire nezvakajeka zvepolicy yako kudzivirira zvisingafadzi zvinoshamisa.
3. Inishuwarenzi yepamba yakaparadzana: Kana inishuwarenzi yako yemotokari isingavhari kukuvara kwegonhi regaraji rako, unogona kuwana rubatsiro pasi peinishuwarenzi yako yepamba.Zvisinei, nzira iyi inowanzoshanda chete kana gonhi regaraji richionekwa sechikamu chezvinhu zvako zvose uye zvakavharwa neinishuwarenzi yako yemba.
mukupedzisa:
Muzviitiko zvakawanda, auto inishuwarenzi mitemo haivhare zvakananga kukanganisa kumusuwo wako wegaraji.Kunyange inishuwarenzi yemhosva uye inishuwarenzi yekudhumhana isingavharidzi rudzi urwu rwekuvhara, kuvharika kwakazara kunogona kupa dziviriro pasi pemitemo yepolicy.Zvisinei, zvakakosha kuverenga inishuwarenzi yako zvakanyatsonaka uye tarisa neinishuwarenzi yako kuti uzive zvakavharwa uye izvo zvisina kuvharwa.Kana pasina kuvharwa, zvingava zvine hungwaru kuongorora sarudzo kuburikidza neinishuwarenzi yepamba.Rangarira, kuziva inshuwarisi yako yekuvhara ndiyo kiyi yekugadzirisa zvisingatarisirwe mari ine chekuita nekukuvara kwegonhi regaraji.
Nguva yekutumira: Jul-24-2023