Ndezvipi zvinodiwa neFederal Law yekubvisa kukanganisa kwekugadzira mumotokari dzakashandiswa?
Zviri mukati
MuUnited States, kune nzira dzakasiyana-siyana dzinovimbisa chiitiko chakanaka uye chinogutsa chemutengi nezvinhu zvaanotenga, imwe yeiyi nzira ndiyo yakashandiswa chibvumirano cheinishuwarenzi yemotokari.
Mutemo weUnited States unopa nhamba dzakasiyana-siyana kuchengetedza mutengi wemotokari akashandiswa kubva kumazana evamwe vatengi vehupfumi, uye imwe yezvisingazivikanwe ndeye Contract Insurance.
Chii chinonzi kondirakiti yeinishuwarenzi?
Zvinoenderana neruzivo rwuri muChibvumirano cheBasa, ichi chivimbiso chekuita (kana kubhadhara) kumwe kugadzirisa kana masevhisi. Kunyangwe zvibvumirano zvebasa dzimwe nguva zvinonziwo waranti yakawedzerwa, marudzi aya emakondirakiti haazadzise tsananguro yewaranti pasi pemutemo wemubatanidzwa.
Ndeupi musiyano uripo pakati pevimbiso nekondirakiti yeinishuwarenzi?
Zvibvumirano zveinishuwarenzi zvinosanganisira sevhisi yekuwedzera iyo mari yekuwedzera inobhadhariswa, pane zvinopesana, garandi iripo mumamiriro akasiyana, ayo anoenderana nezvinoratidzirwa kana kwete muchibvumirano chekupedzisira uye gwara rekutenga rinopihwa nemutengesi.
Mutengesi akataurwa anogona kunge ari munhu akazvimiririra kana mutengesi, asi chero zvakadaro anofanirwa kutevedzera akati wandei pasi pemitemo ine chekuita newaranti mudunhu rega rega remubatanidzwa.
Ndinoda kondirakiti yebasa here?
Pane rondedzero refu yezvaunofanira kufunga nezvayo usati wafunga kuti unoda kondirakiti yebasa here kana kuti kwete, zvimwe zvinonyanya kukosha ndezvi:
1- Kana mutengo wekugadzirisa mota yako yakashandiswa ukapfuura kukosha kwechibvumirano.
2- Kana chibvumirano ichivhara mutengo wenjodzi dzemotokari.
3- Kana paine kudzoka uye kudzima mutemo webasa.
4- Kana mutengesi kana kambani yebasa ine mukurumbira wakanaka, mune iyi nyaya makambani mazhinji anopa masevhisi kuburikidza nevechitatu mapato.
Ndingakumbira sei kondirakiti yebasa?
Kuti upinde zviri pamutemo mukondirakiti yebasa, unofanira kukurukura nemaneja wemutengesi wauri kushanyira kuti uone kana vachipa rubatsiro urwu. Kana mhinduro yakanaka, unofanira kuzadza koramu inoenderana nemutsara wekuti "chibvumirano chebasa" mugwaro remutengi.
Iyi nhanho yekupedzisira inogoneka chete mumatunhu umo sevhisi iyi inodzorwa nemimwe mitemo yeinishuwarenzi.
Kana mutsara watsanangurwa usiri mugwaro remutengi rawakapihwa, edza kubvunza mutengesi kuti uwane imwe nzira kana mhinduro.
Kuwedzera, ruzivo rwakakosha nderwekuti kana ukatenga kondirakiti yebasa mukati memazuva makumi mapfumbamwe ekutenga mota yakashandiswa, mutengesi anofanira kuramba achikudza waranti inorehwa pazvikamu zvakavharwa nekondirakiti.
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