Nthawi yogula inshuwaransi yagalimoto yanthawi yayitali
Zamkatimu
Inshuwaransi yagalimoto yanthawi yayitali, yomwe imadziwikanso kuti inshuwaransi yagalimoto yosakhalitsa, imapereka chithandizo chofanana ndi inshuwaransi yagalimoto yanthawi yayitali. Inshuwaransi yanthawi zonse yamagalimoto imatha kuyambira miyezi 6 mpaka chaka chimodzi. Inshuwaransi yanthawi yayitali imatha kugulidwa kwanthawi zoyambira tsiku limodzi mpaka miyezi iwiri, kutengera wopereka.
Ku United States, kuyendetsa galimoto popanda inshuwalansi ya galimoto n’koletsedwa. Mukagwidwa, mumayang'anizana ndi chindapusa chachikulu, mfundo ndikuyimitsidwa kwa laisensi yanu yoyendetsa, komanso mitengo yokwera pama inshuwaransi am'tsogolo chifukwa chakugunda mbiri yanu yoyendetsa. Komanso, ngati mutachita ngozi popanda inshuwalansi, mutha kulipira ndalama zowononga mankhwala ndi katundu kwa nthawi yaitali.
Mukagula inshuwaransi yanthawi yayitali yagalimoto:
Anthu amatenga inshuwaransi yakanthawi kochepa pazifukwa zosiyanasiyana zopewera kuyendetsa galimoto ikatha. Nawa milandu 12 yomwe mungagule inshuwaransi yakanthawi:
1. Pakati pa inshuwalansi ya galimoto. Ngati musintha operekera chithandizo panthawi yomwe samakulipirani zokha, inshuwaransi yakanthawi imatha kudzaza kusiyana kwachitetezo.
2. Kukhudzidwa ndi malire a udindo. Ngati mukuda nkhawa kuti inshuwaransi yocheperako siyingabweretse galimoto yomwe ili ndi inshuwaransi kuti iwonongeke, mutha kutenga inshuwaransi yanthawi yochepa ngati chithandizo chowonjezera.
3. Kubwereka galimoto kunja kwa mzinda. Mutha kugula inshuwaransi yamakampani obwereketsa magalimoto nthawi yonse yomwe galimoto yanu ili nayo kapena kusankha wothandizira wina.
4. Kupewa mitengo ya inshuwaransi pochita lendi galimoto. Ngati mukufuna kuyendetsa galimoto yanu yobwereka kangapo kapena kwa miyezi ingapo, inshuwaransi yosakhalitsa ikhoza kukhala yotsika mtengo kuposa chindapusa cha kampani yobwereketsa.
5. Kubwereka galimoto kwa mnzanu kapena wachibale. Mukhoza kugwiritsa ntchito galimoto yawo pamene galimoto yanu ikukonzedwa, kapena muli pakati pa magalimoto kwakanthawi kochepa. Ngati ndinu mlendo ndipo akubwerekeni galimoto yawo, kungakhale kwanzeru kutenga inshuwalansi. Musaganize kuti galimoto yomwe mukubwereka ili ndi ndondomeko ya munthu wina.
6. Kukhala ndi galimoto kwakanthawi kochepa. Mukufunabe kutsimikizira galimoto yanu, ziribe kanthu kuti nthawi yayitali bwanji ya umwini. Izi zitha kugwira ntchito patchuthi kapena ulendo wautali wantchito, kapena galimoto yomwe mumagula kuti mugulitsenso.
7. Galimoto yanu idzasungidwa. Kuti muteteze galimoto yanu kuti isawonongeke pamene ikusungidwa, kungakhale kwanzeru kutenga inshuwalansi yanthaŵi yochepa.
8. Mukugulitsa galimoto posachedwa. Inshuwaransi yanu yakale ikhoza kukhala yovomerezeka ndipo mukufuna kugulitsa galimoto yanu osataya chithandizo. Mwinanso mungafune kuiteteza kwa oyendetsa mayeso.
9. Kuyatsa pompopompo pamene mukuyendetsa galimoto yatsopano kuchokera pamalo oyimikapo magalimoto. Simukufuna kuyika pachiwopsezo, makamaka ndi galimoto yatsopano yomwe ingakhale ndi ndalama zolipirira zokwera.
10. Kubwera kunyumba kuchokera ku koleji kukapuma. Paulendo wanu, mungafunike galimoto kwa milungu ingapo, koma muyenera kuonetsetsa kuti muli ndi inshuwalansi.
11. Kubwereketsa kwa Van. Onetsetsani kuti bungwe lanu la inshuwaransi yamagalimoto nthawi zonse limatengera ma venis - apo ayi, muyenera kuganizira inshuwaransi yakanthawi.
12. Woyendetsa galimoto ya kampani. Ngati mulibe galimoto yomwe mumagawana, mukufunabe kukhala ndi inshuwaransi.
Mitundu itatu yayikulu ya inshuwaransi yanthawi yayitali:
Inshuwaransi yagalimoto yanthawi yayitali imaperekabe inshuwaransi yofanana ndi inshuwaransi yanthawi yayitali, yomwe imadzikonzanso yokha miyezi isanu ndi umodzi kapena chaka. Ikhoza kuwonjezeredwa ku ndondomeko zomwe zilipo kale kapena kusinthidwa ndi chidziwitso chokhazikika. Inshuwaransi yosakhalitsa ilipo m'njira zambiri, koma zazikulu ndi 6:
1. Inshuwaransi ya omwe si eni ake. Inshuwaransi yomwe si eni ake imateteza omwe alibe galimoto yawoyawo koma nthawi zina amadzipeza akuyendetsa galimoto ina. Malamulo osakhala eni ake amaphatikizapo udindo wa ngongole zachipatala pakagwa ngozi chifukwa cha zolakwika, komanso chitetezo chowonjezera.
2. Gap inshuwalansi. Gap imayimira Guaranteed Asset Protection ndipo imakutetezani ngati inshuwaransi yanu yanthawi zonse imangolipira ndalama zomwe galimoto yanu ili nayo. Mtengo wa galimoto umachepa kwambiri pamene ikukula, ndipo kukonzanso kwakukulu kungapitirire mtengo wa galimoto yatsopano. Ngati galimoto yanu ikuchita ngozi, inshuwalansi yopuma idzasamalira ndalama zowonjezerapo ndipo ziyenera kuganiziridwa ngati mwaikapo ndalama zosakwana 20% polipira galimoto yanu ndikulipirira zaka 5 kapena kuposerapo.
3. Inshuwaransi yagalimoto yobwereka. Inshuwaransi yanu yanthawi zonse ikhoza kukhala ndi magalimoto obwereketsa ochepa, kapena mulibe galimoto ndipo mulibe inshuwaransi yamagalimoto. Makampani obwereketsa magalimoto adzapereka inshuwaransi kapena mapulani owonjezera monga chitetezo, kutayika ndi kuchotsera kuwonongeka, inshuwaransi ya ngozi ndi zotsatira zamunthu. Mitengo yochokera ku mabungwe obwereketsa ikhoza kukhala yokwera, choncho onetsetsani kuti mukuyang'ana ndondomeko za inshuwaransi zosakhalitsa za gulu lina.
Mtengo ndi mfundo za inshuwaransi yanthawi yayitali yagalimoto
Monga momwe zimakhalira ndi inshuwaransi nthawi zonse, kampani ya inshuwaransi imaganizira za komwe muli komanso kapangidwe ka galimoto yanu musanakupatseni mitengo. Makampani adzaganiziranso zizindikiro zilizonse zodziwika bwino mu mbiri yanu yoyendetsa galimoto. Inshuwaransi yanthawi yochepa nthawi zambiri imakhala yokwera mtengo kuposa inshuwaransi yanthawi yayitali, koma imangotanthauza kuti ikwaniritse zosowa kwakanthawi kochepa.
Musanafune mtengo wotsika mtengo, onetsetsani kuti mwakwaniritsa izi kuti mugule inshuwaransi yanthawi yayitali:
- Mwadutsa zaka 21.
- Layisensi yanu yoyendetsa ndi yovomerezeka kwa chaka chimodzi.
- Simunachedwepo kuposa 6 pazaka zitatu zapitazi.
- Simunachite ngozi yoposa imodzi chifukwa cha zolakwika zaka zitatu zapitazi.
