Sisiteme y'ubwishingizi bw'ibinyabiziga

Ubwishingizi bw'ibinyabiziga ( Vehicle insurance ) (Ubwishingizi bw'imodoka ) ni ubwishingizi ku modoka, amakamyo, moto, n'ibindi binyabiziga byo mu muhanda. Ikoreshwa ryibanze ryayo ni ugutanga uburinzi bwamafaranga kwirinda ibyangiritse ku mubiri cyangwa gukomeretsa ku mubiri biturutse ku kugongana n’umuhanda ndetse no kuryozwa bishobora no guturuka ku byabaye mu modoka. Ubwishingizi bw'ibinyabiziga bushobora kandi kurinda uburinzi bw’amafaranga kwirinda ubujura bw’imodoka, no kwirinda ibyangiritse ku kinyabiziga cyatewe n’ibindi bitari impanuka z’umuhanda, nk'urufunguzo, ikirere cyangwa ibiza, ndetse n’ibyangijwe no kugongana n’ibintu bihagaze. Amategeko yihariye yubwishingizi bwimodoka aratandukanye namategeko muri buri karere .

 Amateka 
Ikoreshwa ryinshi ryimodoka ryatangiye nyuma yintambara ya mbere yisi yose mumijyi. Imodoka yarihuse kandi iteje akaga muricyo cyiciro, nyamara nta buryo bwateganijwe bwubwishingizi bwimodoka aho ariho hose kwisi. Ibi byasobanuraga ko abahohotewe badakunze kubona indishyi iyo ari yo yose mu mpanuka, kandi abashoferi bakunze guhura n’amafaranga menshi yo kwangiza imodoka yabo n’umutungo .

Gahunda yubwishingizi bwimodoka iteganijwe yatangijwe bwa mbere mu Bwongereza hamwe n’amategeko agenga umuhanda 1930 . Ibi byatumaga abafite ibinyabiziga n’abashoferi bose bagomba kwishingirwa uburyozwe bw’imvune cyangwa urupfu ku bandi bantu mu gihe imodoka yabo yakoreshwaga mu nzira nyabagendwa.  Ubudage bwashyizeho amategeko nk'aya muri 1939 yiswe "Itegeko rishyira mu bikorwa ubwishingizi bw'agahato ku bafite ibinyabiziga bifite moteri . 

 Politiki rusange 
Mu nkiko nyinshi, ni itegeko kugira ubwishingizi bwibinyabiziga mbere yo gukoresha cyangwa kubika ibinyabiziga mumihanda nyabagendwa. Inkiko nyinshi zijyanye n'ubwishingizi ku modoka n'umushoferi; ariko, urwego rwa buriwese ruratandukanye cyane .

 Afurika y'Epfo 
Afurika y'Epfo itanga ijanisha ry'amafaranga ava muri lisansi mu kigega cy'impanuka zo mu muhanda, kijya mu kwishyura abandi bantu mu mpanuka .  

 Abaturanyi 
Aderesi ya nyirayo irashobora kugira ingaruka kumafaranga. Uturere dufite umubare munini w'ibyaha bitera ibiciro byubwishingizi .  Mondalek, Alexandra (20 November 2015) Auto Insurance Rates Are 70% Higher If You Live In A Black Neighborhood, Time.com.

 Uburinganire 
Ku ya 1 Werurwe 2011, Urukiko rw’Ubutabera rw’Uburayi rwemeje amasosiyete y’ubwishingizi akoresha uburinganire nk’impanuka mu gihe cyo kubara amafaranga y’ubwishingizi arenga ku mategeko y’uburinganire bw’ibihugu by’Uburayi. Cendrowicz, Leo (2 March 2011) E.U. Court to Insurers: Stop Making Men Pay More, Time.com. Urukiko rwemeje ko amasosiyete y'ubwishingizi bw'imodoka avangura abagabo .  Icyakora, ahantu hamwe na hamwe, nk'Ubwongereza, amasosiyete yakoresheje imyitozo isanzwe ivangura ishingiye ku mwuga kugira ngo akoreshe uburinganire nk'ikintu, nubwo butaziguye. Imyuga ikunze gukorwa n'abagabo ifatwa nkaho ishobora guteza akaga kabone niyo yaba itarigeze ibanziriza icyemezo cy'urukiko mu gihe ibiganiro byerekeza ku myuga yiganjemo abagore .  Iyindi ngaruka y’iki cyemezo ni uko, mu gihe amafaranga y’abagabo yagabanutse, yazamuwe ku bagore. Ingaruka yo kuringaniza yagaragaye no mubundi bwoko bwubwishingizi kubantu, nk'ubwishingizi bw'ubuzima . 

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Ikiciro:Ubucuruzi