Zinthu zingapo zimakhudza mtengo wa inshuwaransi yamabokosi. Kukula kwa galimotoyo ndi chinthu choyamba. Galimoto yamabokosi a 26-foot idzakhala ndi ndalama zambiri kuposa yaying'ono. Chinthu chachiwiri ndi mtengo wa galimoto. Chatsopano galimoto idzawononga ndalama zambiri kuti inshuwaransi kuposa wamkulu. Chinthu chachitatu ndi kugwiritsa ntchito galimoto. Ngati galimotoyo ikugwiritsidwa ntchito pazinthu zamalonda, inshuwalansi idzakhala yokwera mtengo kusiyana ndi yomwe ikugwiritsidwa ntchito payekha. Chinthu chachinayi ndi mbiri yoyendetsa galimoto ya mwiniwake.
Mbiri yabwino yoyendetsa galimoto idzabweretsa mtengo wotsika. Chinthu chachisanu ndi malo omwe galimoto imayendetsedwa. Inshuwaransi idzakhala yokwera mtengo ngati galimotoyo ikugwiritsidwa ntchito m'dera lauchigawenga kwambiri. Pomaliza, mtundu wa chithandizo chomwe mumasankha chidzakhudza mtengo wa inshuwaransi yamagalimoto. Ndondomeko yowunikira ndi kugundana idzakhala yokwera mtengo kuposa ndondomeko yokhala ndi ngongole yokha.
Zamkatimu
Kodi Inshuwaransi Yagalimoto Ndi Yofunika?
Yankho la funsoli limadalira zinthu zingapo. Ngati mukulipirira galimoto, wobwereketsa adzafuna inshuwaransi. Ngati mukubwereketsa galimotoyo, wobwereketsa adzafunikanso inshuwaransi. Ngati mukugwiritsa ntchito galimotoyo pazinthu zamalonda, ndi bwino kukhala ndi inshuwalansi. Inshuwaransi siyokakamizidwa ngati muli nayo ndikuyendetsa galimotoyo pazolinga zanu. Komabe, kukhala ndi inshuwaransi pakachitika ngozi kapena kuba ndi lingaliro labwino.
Kodi Inshuwaransi Yabwino Kwambiri ya Malole Ndi Chiyani?
Inshuwaransi yabwino kwambiri yamagalimoto ndi yokwanira komanso kugundana. Ndondomekoyi imalipira mtengo wokonzanso ngati galimoto yanu yawonongeka pa ngozi ndikusintha galimotoyo ngati yabedwa. Kuonjezera chiwongolero pa ndondomeko yanu ndi bwino ngati mumagwiritsa ntchito galimotoyo pazinthu zamalonda. Izi zidzakutetezani ngati wina wavulala pangozi ndipo mwapezeka kuti ndinu olakwa.
Kodi Ndi Boma Liti Lili ndi Inshuwaransi Yamagalimoto Otsika Kwambiri?
Kuyendetsa magalimoto ndi gawo lofunika kwambiri pazachuma zaku America, ndipo inshuwaransi yamagalimoto amalonda ndi ndalama zofunikira kumakampani amagalimoto. Mitengo imasiyana kwambiri ndi mayiko, kotero makampani ayenera kudziwa komwe angapeze ndalama zabwino kwambiri. Mississippi ili ndi mitengo yotsika kwambiri ya inshuwaransi yamagalimoto ku United States. Izi zachitika mwina chifukwa cha malamulo a boma odekha pamakampani oyendetsa magalimoto.
Mwachitsanzo, a Mississippi safuna makampani oyendetsa magalimoto kuti azinyamula inshuwaransi yobwereketsa. Ili ndi zochepera zochepera za mitundu ina ya kufalitsa kuposa mayiko ena ambiri. Zotsatira zake, makampani amalori ku Mississippi amatha kusunga ndalama zambiri pamalipiro awo a inshuwaransi. Ngati mukuyang'ana mitengo ya inshuwaransi yotsika mtengo kwambiri mdziko muno, Mississippi ndiye malo oti mupite.
Ndi Inshuwaransi Yamtundu Wanji Imafunika Kampani Yonyamula Magalimoto?
Pamene makampani oyendetsa magalimoto akudalira kwambiri luso lamakono, ndikofunikira kuti atetezedwe ku zoopsa zomwe zingabweretse. Chiwopsezo chimodzi chotere ndi mlandu wa cyber, womwe ukhoza kubwera m'njira zingapo, kuphatikiza kubera, kuphwanya ma data, ndi zolakwika za ogwira ntchito. Ngati kampani imasunga zidziwitso zachinsinsi pakompyuta, ndikofunikira kuwonetsetsa kuti zitetezedwa pakaphwanyidwa.
Mwamwayi, ndondomeko zingapo zingathe kuthetsa vutoli. Ngakhale kuti sangafunike mwalamulo, akhoza kupulumutsa kampani ndalama zambiri pakapita nthawi. Chifukwa chake, ngati mukuyang'ana kuteteza kampani yamalori ku ziwopsezo zonse, ndikofunikira kuganizira inshuwaransi ya cyber.
Kodi Inshuwaransi Yamagalimoto Oyenda Ku California Imawononga Ndalama Zingati?
Oyendetsa galimoto ku California atha kudabwa kuti inshuwaransi yagalimoto yamagalimoto imawononga ndalama zingati. Malipiro apakati m'boma ndi $14,189, ndipo ndondomeko zambiri zidzatsika pakati pa $12,094 ndi $16,563. Mitengoyi imatengera galimoto imodzi ndi ngongole, katundu, ndi kuwonongeka kwa thupi. Zoonadi, malipiro amasiyana malinga ndi zinthu zingapo, monga kukula ndi mtundu wa galimoto, malire ophimba, ndi deductible.
Komabe, ndikofunikira kuwonetsetsa kuti muli ndi inshuwaransi yokwanira mosasamala kanthu za momwe zinthu zilili. Magalimoto amalonda ndi owopsa; ngozi imodzi ingawononge ndalama masauzande ambiri. Kuti musunge ndalama zolipirira, gulani mozungulira ndikuyerekeza mitengo kuchokera kwa ma inshuwaransi angapo. Komanso, kusunga mbiri yabwino yoyendetsa galimoto ndiyo njira yabwino kwambiri yochepetsera mitengo.
Kodi Inshuwaransi Yamagalimoto Yabwino Kwambiri Ndi Chiyani?
Malinga ndi kusanthula kwathu kwaposachedwa, USAA ndi State Farm ndiye makampani abwino kwambiri a inshuwaransi yamagalimoto. USAA ili ndi chiwongolero chapamwamba kwambiri pakufufuza kwathu kwamakasitomala ndipo ili pamalo oyamba pafupifupi pagawo lililonse lomwe tidasanthula. Ilinso ndi mitengo yotsika kwambiri pakati pa inshuwaransi zamagalimoto mu phunziro lathu. USAA imapereka kuchotsera ndi zopindulitsa zomwe sizikupezeka kwa ma inshuwaransi ena, zomwe zimapangitsa kukhala chisankho chabwino kwambiri kwa mabanja ankhondo ndi madalaivala ena omwe akufunafuna mtengo.
State Farm ndi chisankho china chabwino kwambiri cha inshuwaransi yamagalimoto, makamaka kwa iwo omwe akufuna kampani yomwe ili ndi mbiri yakale yokhazikika pazachuma. State Farm yakhala ikuchita bizinesi kwazaka zopitilira 100 ndipo nthawi zonse imakhala pakati pa ma inshuwaransi apamwamba pamafukufuku athu. Ngakhale silipereka kuchotsera kochuluka monga USAA, limapereka zinthu zapadera monga kukhululukidwa mwangozi ndi kuchotsera ndalama zomwe zimasowa. Onse USAA ndi State Farm ndi zosankha zabwino kwambiri za inshuwaransi yamagalimoto abwino kwambiri.
Kutsiliza
Inshuwaransi yagalimoto yamabox ndiyofunikira pabizinesi iliyonse yomwe ili ndi galimoto yamabokosi. Mtengo wa inshuwaransi umasiyana malinga ndi zinthu zingapo, kuphatikiza kukula ndi mtundu wagalimoto, malire ofikira, ndi deductible. Komabe, mfundo zambiri zimawononga pakati pa $12,094 ndi $16,563 pachaka. Kuti mupeze mitengo yabwino kwambiri, gulani mozungulira ndikufanizira mawu ochokera kwa ma inshuwaransi angapo.
