Nguva yekutenga inishuwarenzi yenguva pfupi yemotokari

Inishuwarenzi yenguva pfupi yemotokari, inozivikanwawo seinishuwarenzi yemotokari yenguva pfupi, inopa kuvharwa kwakafanana seinishuwarenzi yemotokari yenguva dzose kwenguva pfupi. Yenguva dzose auto inishuwarenzi mitemo inotora kubva kumwedzi mitanhatu kusvika kune rimwe gore. Yenguva pfupi auto inishuwarenzi inogona kutengwa kwenguva kubva pazuva rimwe kusvika kumwedzi miviri, zvichienderana nemupi.

MuUnited States, kutyaira usina inishuwarenzi yemotokari hazvibvumirwi nemutemo. Kana ukabatwa, unotarisana nefaindi hombe, mapoinzi uye kumiswa kwerezinesi rako rekutyaira, pamwe nemitengo yakakwira painishuwarenzi inotevera nekuda kwekurova kwerekodhi yako yekutyaira. Zvakare, kana ukapinda mutsaona usina inishuwarenzi, unogona kupedzisira wabhadhara mari yekurapa neyekukuvadza midziyo kwenguva yakareba iri kuuya.

Nguva yekutenga inishuwarenzi yemotokari yenguva pfupi:

Vanhu vanotora zvenguva pfupi auto inishuwarenzi yezvikonzero zvakasiyana-siyana zvekurega kutyaira kana kufukidzwa kwapera. Heano 12 makesi apo iwe unogona kutenga yenguva pfupi inishuwarenzi:

1. Pakati pe auto insurance policy. Kana iwe ukashandura vanopa panguva iyo isingangokuvhare iwe pachako, inishuwarenzi yenguva pfupi inogona kuzadza gap rekudzivirira.

2. Kunetseka pamusoro pemiganhu yemhosva. Kana iwe uchinetseka kuti inishuwarenzi shoma inogona kunge isingavhare mota yakatove insured yekukuvadza, unogona kutora inishuwarenzi yenguva pfupi sekuwedzera kuvharwa.

3. Kuhaya motokari kunze kweguta. Iwe unogona kutenga inishuwarenzi yekambani yekurenda mota kwenguva yemota yako kana kusarudza mumwe mupi.

4. Kunzvenga mitengo yeinishuwarenzi pakuhaya motokari. Kana ukaronga kutyaira mota yako yekurenda kakawanda kana kwemwedzi yakati wandei, inishuwarenzi yenguva pfupi inogona kunge yakachipa pane mari yekambani yekurenda.

5. Kukwereta motokari kushamwari kana nhengo yemhuri. Iwe unogona kushandisa mota yavo mota yako ichigadziriswa, kana iwe uri pakati pemotokari kwechinguva chidiki. Kana uri muenzi uye vakakukweretesa motokari yavo, kungava kuchenjera kutora imwe rudzi rweinishuwarenzi. Usafungidzira kuti motokari yauri kukwereta yakavharwa nemutemo weumwe munhu.

6. Muridzi wemotokari yenguva pfupi. Iwe uchiri kuda kuisa inshuwarisi yemotokari yako, zvisinei kuti ipfupi sei nguva yemuridzi. Izvi zvinogona kushanda kuzororo refu kana rwendo rwebhizimisi, kana kumotokari yaunotenga chete kutengeswa.

7. Motokari yako ichange iri mudura. Kuti udzivirire motokari yako pakukuvadzwa kungaitika mukati mokuchengeta, kungava kuchenjera kutora inishuwarenzi yenguva pfupi.

8. Uri kutengesa mota nekukurumidza. Inishuwarenzi yako yekare inogona kunge ichiri kushanda uye iwe unoda kutengesa motokari yako pasina kurasikirwa nekuvhara. Iwe unogona zvakare kuda kuidzivirira kubva kune vatyairi vebvunzo.

9. Kuvheneka pakarepo paunenge uchityaira motokari itsva kubva panzvimbo yekupaka. Iwe hausi kuda kutora njodzi, kunyanya nemota nyowani inogona kunge iine mitengo yepamusoro yekugadzirisa.

10. Kuuya kumba kubva kukoreji kuzororo. Panguva yekushanya kwako, ungangoda mota kwemavhiki mashoma, asi iwe unofanirwa kuve nechokwadi kuti une inishuwarenzi.

11. Van rental coverage. Ita shuwa kuti yako yenguva dzose auto inishuwarenzi agency inovhara mavhani ekurenda - zvikasadaro, iwe unofanirwa kufunga nezve inshuwarisi yenguva pfupi.

12. Mutyairi wemota yekambani. Kana usina mota yaunogovana, uchiri kuda kuti ive insurance.

3 mhando huru dzenguva pfupi yeinishuwarenzi yemotokari:

Inishuwarenzi yenguva pfupi yemotokari ichiri kupa kuvharwa kwakafanana seyeinishuwarenzi yenguva refu, iyo inowanzo vandudza yega mwedzi mitanhatu kana gore. Inogona kuwedzerwa kumitemo iripo kana kutsiviwa neyakajairwa kufukidzwa. Inishuwarenzi yenguva pfupi iripo mumhando dzakawanda, asi iyo huru ndeye 6:

1. Inishuwarenzi yevasiri varidzi. Inishuwarenzi isiri-muridzi inodzivirira avo vasina mota yavo asi dzimwe nguva vanozviwana vatyaira imwe mota. Mitemo isiri yevaridzi inosanganisira mutoro wezvikwereti zvezvokurapa muchiitiko chetsaona nekuda kwekukanganisa, pamwe nekuwedzera kuchengetedzwa.

2. Gap inishuwarenzi. Gap inomirira Guaranteed Asset Protection uye inokudzivirira kana inishuwarenzi yako yenguva dzose ichingovhara huwandu hwemotokari yako. Kukosha kwemotokari kunoderera zvakanyanya sezvainokura, uye kugadzirisa kukuru kunogona kudarika mari yemotokari itsva. Kana motokari yako yakabatanidzwa mutsaona, inshuwarisi yeputsika ichatarisira mamwe mari uye inofanira kuonekwa kana wakaisa mari isingasviki 20% mukubhadhara motokari yako uye wakabhadhara kwemakore mashanu kana kupfuura.

3. Inishuwarenzi yemotokari yekurenda. Inishuwarenzi yako yenguva dzose inogona kunge isina kuvharwa kwemotokari yekurenda, kana iwe hausi wega mota uye saka hauna auto inshuwarisi. Makambani ekurojesa mota achapa inishuwarenzi kana zvirongwa zvekuwedzera zvekuvhara senge kuchengetedzwa kwemutoro, kurasikirwa uye kukuvara waiver, tsaona uye zvemunhu inishuwarenzi. Mitengo kubva kumasangano ekurojesa inogona kunge yakakwira, saka ive shuwa yekutsvaga yechitatu bato for temporary insurance policy.

Mutengo uye mazwi einishuwarenzi yenguva pfupi yemotokari

Sezvinoitwa neinishuwarenzi yenguva dzose, kambani yeinishuwarenzi ichafunga nezvekwaunogara uye magadzirirwo uye modhi yemotokari yako isati yakupa mitengo. Iwo makambani anozofungawo chero akakosha mamaki mune yako yekutyaira rekodhi. Inishuwarenzi yenguva pfupi kazhinji inodhura kupfuura inishuwarenzi yenguva refu, asi inongoitirwa kubhadhara zvinodiwa kwenguva shoma.

Usati wavavarira mutengo unokwanisika, ita shuwa kuti wazadzisa izvi zvinodiwa kuti utenge term insurance:

• Une makore anopfuura makumi maviri nerimwe.
• Rezinesi rako rekutyaira rinoshanda kwerinenge gore rimwe chete.
• Iwe hauna anopfuura 6 demerit points mumakore matatu apfuura.
• Hauna kuita tsaona inodarika 1 nekuda kwekutadza mumakore matatu apfuura.