Video: Puas yog lub chaw tso tsheb puas yog tib yam li kev lav phib xaub?
2024 Tus sau: Taylor Roberts | [email protected]. Kawg hloov kho: 2023-12-16 00:29
Yog tias tus neeg siv khoom plam thiab poob rau hauv qhov chaw pabcuam hauv av, kev lav ris yuav khaws qhov xwm txheej no. Chaw nres tsheb lav , ntawm qhov tod tes, extends tshaj kev lag luam kev lav ris txoj cai rau lub tsheb uas siv hauv thaj tsam ntawm kev lag luam, lossis uas yog nyob hauv kev saib xyuas, saib xyuas, thiab tswj hwm koj lub lag luam.
Yog li ntawd, txoj cai tuav pov hwm tsheb nkas loos yog dab tsi?
Garagekeepers kev pab them nqi yog ib txoj kab yeem muab kev tiv thaiv rau lub chaw nres tsheb kev lag luam rau poob rau cov neeg siv khoom pib sab laug hauv lub insured cov saib xyuas, saib xyuas lossis tswj. Cov txoj cai qhia meej tias, “thaum lub nyiaj pov hwm yog tuaj koom, pab, kho, chaw nres tsheb lossis khaws cia rau hauv koj li chaw nres tsheb kev ua haujlwm."
Ib tug kuj yuav nug, kev tuav pov hwm lub tsheb ua haujlwm li cas? Chaw rau tsheb -cov neeg saib xyuas kev pov hwm yog ib txoj cai cais uas them cov khoom puas tsuaj rau tus neeg siv lub tsheb thaum nws nyob hauv kev saib xyuas ntawm tus tuav txoj cai. Qhov no tuaj yeem suav nrog kev puas tsuaj thaum sim tsav tsheb thiab thaum khaws lub tsheb thaum tsis yog ua hauj lwm teev. Tus kws kho mob kev pov hwm yuav npog kev ua phem thiab tub sab nyiag ntawm tus neeg siv khoom lub tsheb.
Tom qab ntawd, ib tug kuj yuav nug, qhov txawv ntawm qhov chaw nres tsheb thiab chaw nres tsheb yog dab tsi?
Cov qhov sib txawv ntawm Garage Kev lav phib xaub lav thiab Chaw Tso Tsheb Kev pab them nqi yog qhov sib txawv ntawm Liability Insurance thiab Physical Damage Insurance. Qhov thib ib suav nrog kev tuav pov hwm lub luag haujlwm rau kev ua haujlwm thiab tsheb. Qhov thib ob npog kev puas tsuaj rau tus neeg siv khoom lub tsheb.
Garage Keepers ncaj qha thawj yog dab tsi?
Garagekeepers kev tuav pov hwm yog hais txog kev them nyiaj rau cov tsheb uas tshuav hauv koj qhov kev saib xyuas, saib xyuas lossis tswj. Thawj tus neeg tso tsheb ncaj qha them rau qhov kev poob txawm hais tias koj raug cai raws li yuav tsum ua lossis tsis yog thiab kev lav phib xaub raws txoj cai cov neeg zov tsheb tsuas yog them tawm yog tias koj raug cai raug cai rau qhov poob.
Pom zoo:
Kev tuav pov hwm kev lav phib xaub lav tsheb yog dab tsi?
Garagekeepers Legal Liability insurance muab kev tiv thaiv nyob rau hauv rooj plaub uas lub tsheb puas los ntawm hluav taws, tub sab nyiag, kev tsim txom lossis kev sib tsoo. Nws tiv thaiv tus neeg siv khoom lub tsheb thaum koj khaws nws ntawm qhov chaw them rau kev nres tsheb lossis khaws cia, lossis ua haujlwm
Puas yog hluav taws kev lav phib xaub zoo ib yam li kev puas tsuaj rau cov tsev xauj tsev?
Npog Txoj Cai Luag Haujlwm Xwb Tsuas yog Kev pov hwm kev puas tsuaj rau hluav taws uas tau muab nyob rau hauv Kev Puas Tsuaj Rau Lub Tsev Rotten Rau Koj siv tsuas yog koj raug cai raug cai rau kev puas tsuaj. Ntawd yog, qhov hluav taws kub puas tsuaj rau koj lub tsev (lossis nyob hauv) thaj chaw yuav tsum yog los ntawm koj qhov tsis saib xyuas
Puas yog kev lav phib xaub tib yam li E&O?
Kev tuav pov hwm kev lav phib xaub (PLI), tseem hu ua kev tuav pov hwm kev them nyiaj tshaj lij (PII) tab sis feem ntau hu ua kev ua yuam kev & omissions (E&O) hauv Teb Chaws Asmeskas, yog ib daim ntawv pov hwm kev lav phib xaub uas pab tiv thaiv cov lus qhia kev tshaj lij- thiab kev pabcuam rau cov tib neeg thiab cov tuam txhab los ntawm coj tus nqi tag nrho ntawm kev tiv thaiv
Dab tsi yog qhov sib txawv ntawm qhov kev lav phib xaub hauv tsev thiab kev lav paub dav?
Yog tias tus neeg siv khoom plam thiab poob rau hauv qhov chaw pabcuam hauv av, kev lav phib xaub yuav tuaj nqa qhov xwm txheej no. Kev lav ris rau tsheb, ntawm qhov tod tes, nthuav dav txoj cai kev lav phib xaub dav dav rau cov tsheb uas tau siv nyob hauv thaj tsam ntawm kev lag luam, lossis uas yog nyob hauv kev saib xyuas, saib xyuas, thiab tswj hwm koj lub lag luam
Qhov sib txawv ntawm kev lav paub lub kaus thiab kev lav phib xaub ntau tshaj yog dab tsi?
Lub Liab Liab yog txoj cai tsim los tiv thaiv tus tuav pov hwm los ntawm qhov muaj peev xwm "loj" poob. Umbrella kev pab them nqi yog ib hom Excess Liability, uas tsuas yog siv rau cov kev txwv ntxiv. Muab cov kev txwv ntxiv rau tus neeg pov hwm thaum lawv cov cai hauv qab txoj cai txwv tsis pub dhau los ntawm kev thov them nyiaj ntawm qhov tshwm sim