Isikhokelo Esilula Sokulandela
Uhlawula imali eninzi yomshuwalense wemoto yakho, ngoko kuyacaca ukuba ukuba ubandakanyeka engozini, uya kufuna ukwenza ibango.
5 Amanyathelo okufakela ibango lakho le-inshuwalense ye-Car Car
Inyathelo 1: Qhagamshelana namapolisa
Kukulungele ukuba omnye umntu athathe phantsi iinkcukacha zengozi okanye isiganeko kwingxelo yamapolisa .
Mhlawumbi uya kugxininiswa emva kwengozi yemoto kwaye akufanele ube kwindawo efanelekileyo yokuvavanya okwenzekileyo. Kwiimeko ezinzima kakhulu, ukuba elinye iqela liba nzima, amapolisa aya kuba khona ukuqinisekisa ukuba ukhuselekile. Amapolisa aya kuqinisekisa ukuba ii-ambulensi okanye abantu baseburhulumenteni bangxamisekileyo banceda ukusingatha ukulimala okanye umonakalo onobungozi njengothileyo okanye ioli. Emva koko, uya kuba nepolisa ingxelo, oku kuya kukunceda ibango lakho.
Qhagamshelana ne-DMV ukuFakela Ingxelo Yengozi Yakho
Amaninzi amaninzi anemithetho malunga neengozi zokubika kwi-DMV okanye kumapolisa. Qiniseka ukuba uyaziqonda iimfanelo zakho zomthetho kwaye ulandele oko kufuneka kwenziwe. Ukuba awuqinisekanga, cela ummeli wakho we-inshurensi, okanye qhagamshelana neofisi yomshuwalense wakho welizwe .
Inyathelo 2: Ukuqokelela ulwazi olufunayo malunga neengozi yakho yemoto
Ukuba uluhlu lwakho lolwazi lengozi yemoto lukulungele kukunceda ulandele ulwazi oluya kulufuna ukuba ufake ifowuni yakho yomshuwalense .
Kubalulekile ukubhala iinkcukacha zengozi kwaye ulungele ukubonelela kwinkampani yomshuwalense. Ngakumbi >>
Inyathelo lesi-3: Biza iNkampani Yomshuwalense Ngaphandle Kwangoko
Shayela inkampani yakho yomshuwalense kwindawo yesehlakalo ukuba unako xa ulindela amapolisa, okanye emva kokuba ukhuselekile. Baya kunceda ukukuhamba ngamanyathelo alandelayo kwaye bakuxelele oko kufuneka ukuzithumela.
Ukuba imoto yakho ayinakukhutshwa baya kukuxelela ukuba benzani ngemoto kwaye ukuba unokwenza umsebenzi wokukrazula, banokukunceda ukucwangcisa oko kunye nemoto yakho yokuqeshisa xa unaloo mgaqo-nkqubo kwipolisi yakho. Ukuba ungababizi, awuyi kukwazi ukuba unokunceda njani kwaye unokuphelisa imali engayifunayo.
Emva kokuba ubize inkampani yakho yomshuwalense, baya kuvula iifayile zebango kwaye unokulindela amanyathelo alandelayo kwinkqubo yebango:
Isinyathelo se-4: I-Specialist Claims ifumana iSabelo soBulungisa
Xa ibango lakho lichazwe kwinkampani yakho yomshuwalense wemoto, baya kubela iibango zengcali, njengesiqhelo sokusebenza kwi-inshurensi yemoto yomshuwalense.
Indima ye-Adjuster ye-Adjuster Inxaxheba ekufakeni ibango lakho
I-adjuster iya kuthatha nayiphi na ingxoxo kunye nabasithathu, kunye nenkampani yabo yomshuwalense, okanye nawuphi na umntu ochaphazelekayo. Baya kuphanda iimeko kwaye basebenze ukuba wenze ukuba ibango lilungiswe kwaye isithuthi sakho silungiswe.
- Uza kudibana ne-adjuster claims yakho okanye ube nengxoxo kwifowuni. Ukuba imoto yakho egalaji iya kulungiswa, i-adjuster's claims izakuqhagamshelana negaraji kwaye inokuhlola imoto yakho iphinde ihlolisise ukulinganiswa kokulungiswa.
- Ummangali wakho wokumangalelwa unokuncoma igaraji ukuba ufumane imoto yakho ekulungiswe kuyo. Ngamanye amaxesha iinkampani ze-inshorensi zinegaraji ekhethekileyo oya kulungiswa kuyo, okanye unokunika iziqinisekiso emsebenzini. Qinisekisa ukuba uyaqonda indlela inkampani yakho eya kusebenza ngayo malunga nokukhetha igaraji kunye neziqinisekiso zokulungisa.
- Ukuba ufuna imoto yokuqasha ngelixa isithuthi sakho silungiswa, kwaye unokwamkelwa kwezithuthi zokuqashisa xa isithuthi sakho sonakaliswe ngenxa yengozi, ke umququzeleli wakho wamabango uza kukunceda ulungiselele oku.
- Amanqaku aseburhulumenteni anikezelwe kwimeko yakho iya kuphinda ahlaziywe nayiphi na ibango elibi lokuzilimala kwaye athathe nayiphi na intlawulo ekufuneka yenziwe kunye nokuvuma iindleko zokulungisa.
- Nika kunikezela ngamabango abantu abanikezelwa kwimeko yakho nayiphi na ulwazi abayifunayo ukuqinisekisa ukuba ibango lihamba ngokukhawuleza. Ingcaciso eyongezelelekileyo bayakukwazi ukukunceda kwaye ukhuphe ukulibaziseka.
- Iimangalo zengcali ezinikezelwe kuwe zimele ziphendule nayiphi na imibuzo oyenayo, ngoko ungesabi ukubuza imibuzo yakho, kubandakanywa malunga neentlawulo zakho eziza kwenziwa kunye noko ukulindele.
Ingongoma ebalulekileyo yokulahlekelwa okuKhethekileyo: Faka ifowuni yeSibonakaliso sokuNciphisa
Ilahleko elincinci xa isithuthi sinokulungiswa. Unokufuna ukujonga ukwenza i- Incinished Value Claim emva kokuba imoto yakho yengozi, ngaphandle kokulungiswa okuqhelekileyo okulindelekileyo, unokufumana ukulahlekelwa kwemali eninzi kwaye uvumeleke ukuhlawulwa kwangaphezulu, kuxhomekeke kwimeko kunye nombuso ohlala kuwo ngaphakathi. Umlungisi wakho kufuneka akwazi ukuxoxa ngamabango enani elincinci.
Ukufakela i-Total Loss Claim kunye ne-Gap Insurance Coverage
- Ukuba ukhathazekile ngelahleko epheleleyo, oko kuthetha ukuba umonakalo wezithuthi uya kudlula ixabiso lezithuthi, ngoko kufuneka uthathe ilahleko elitsha, kwaye unesithuthi esitsha, unokuba ufuna ukucela i-adversi yakho indlela inkokhelo ye-inshu inxalenye yebango iya kusebenza xa ugqibe ukuthenga i-inshurensi ye-inshurensi ye-gap xa uthenge i-inshurensi yemoto yakho. I-inshurensi ye-Gap yongezwa kwipolisi yakho, ngoko ke akusiyo wonke umntu onayo, kodwa ukuba uyayenza, eli lixesha elifanelekileyo lokufumanisa indlela oku kuza kusebenza ngayo ibango lakho. Uyakufuna kwakhona ukwazi indlela abaya kuyenza ngayo ukuba ngaba ilahleko elipheleleyo, kwaye bade becinga ukuba oku kuya kuthatha ixesha elingakanani ukulungisa. Ukuqonda imilinganiselo eyiyo ngexesha kukunceda ukulawula ukulindela kwibango kwaye ugweme ukukhungatheka.
Inyathelo lesi-5: Ukufumana i-Car yakho ifakwe kunye neNtlawulo yebango
Emva kokuba i-adjuster yenze yonke uphando lwazo kufuneka ube nokuqikelela kweendleko zokulungisa isithuthi sakho, kunye nokuba unayo imali ekuhlawulelwayo, kunye nendlela ibango liza kudlala ngayo. Uqikelelo lwakho luya kubonisa ukuba umsebenzi uya kwenziwa, kunye nokuba inkampani yomshuwalense izakusebenzisa i- aftermarket okanye iindawo eziqhelekileyo . Xa wena kunye ne-adjuster uvuma, umsebenzi unokwenziwa kwaye unokufumana imoto yakho emva kokulungiswa.
QAPHELA: Ukuba Inkampani Yakho Yomshuwalense Ayinakuvuma Ukulungiswa, awuyi kuhlawulwa
Njengengxenye yenkontileka yakho yomshuwalense, kufuneka usebenze nenkampani yomshuwalense ngokuvumela ukuba bahlole umonakalo kwaye basebenze kwiindawo zokuhlala ezivunyelweneyo.
Ungaze wamukele, unikele okanye wamukele nantoni na de kube yinkampani yakho yomshuwalense iye yafumana ithuba lokulinganisela.
Ungagqiba kwiimeko ezibi kakhulu ukuba uzama usebenze into eyodwa. Xa ufuna inkampani yomshuwalense ukuba uhlawule umonakalo, inxalenye yesivumelwano unika phezu kolawulo lwaloo mzekelo kubo, kwaye awuwenzi naluphi na ukuzinikela egameni labo. Njalo qiniseka ukuba ungayilungisi phambi kokuba uvunyiwe, kuba ezi zihlawuliswa.
Yintoni Inkampani Yomshurensi Eyenza Ukukunceda Kwimangalo?
Inkampani yomshuwalense ngummeli wakho, zivumelwano ukuba zikhusele. Ngamanye amaxesha abantu bafuna ukuphatha izinto ngokwabo, okanye abafuni ukuba inkampani yabo yenkampani yomshuwalense ukwazi ngebango ukwenzela ukuba bazama ukuphatha izinto ngokwabo. Oku akucebisi ukuba kukho elinye iqela elibandakanyekayo. Isizathu kukuba awukwazi ukuba uthatha ntoni na, kwaye xa uqala inkqubo kwaye uqonda ukuba izinto ziphuma esandleni, okanye kunzima ukuba ulawulwe ngokwakho, ngoko unokuba nengxaki yokuzisa inkampani yakho yomshuwalense phakathi kweengxoxo eziphosakeleyo, okanye ukumangaliswa kwamabango okulimala. Qhagamshelana ne-arhente yakho ngokukhawuleza kwaye ubavumele ukuba bancede, inkontileka yakho ye-inshurensi idinga ukuba uwabandakanye nabo ekuqaleni.
Uya kufuna ukufakela ibango ngokukhawuleza kwangoko kunye nenkampani yakho yinshuwalense. Nangona akusiyo iphoso lakho, inkampani yakho ye-inshorensi iya kubamba inkqubo yebango njengommeli wakho. Eli liyinyathelo ngamanyathelo oko kufuneka uyenze ukususela xa usenengozi yemoto ukwenza ibango kwaye uhlawule ukuhlala kwakho.
Indlela yokwazi ukuba Ufihliwe kwiNqwelo yeCar okanye ibango
Amabango angakhokhelwa kwi- coverage ebanzi , ukukhawulelana, okanye nayiphi na iminqununu yemfuno yomshuwalense wemoto , njengemfanelo. Amabango angahlawulwa kwakhona kumacandelo amaninzi enkqubo yakho kuxhomekeke kwiimeko zokuqhuma kweemoto yakho. Ngokuxhomekeke ekubeni ingaba ingozi ixanduva, okanye ingekho uxanduva, kunye nohlobo lomonakalo owenziwe, inkampani yakho yomshuwalense iya kuba neenkonzo zokubonelela ngokusekelwe kwintengiso yomshuwalense wemoto.
Indlela yokuqinisekisa ukuba i-Car Car Claim yakho ihamba ngokukhawuleza
Inkampani yakho yomshuwalense ikhona ukumela wena kwaye ihambise kwisithembiso esivumelwaneni sokufihla umonakalo wakho. Akufuneki ukuba ulungelelanise zonke iinkcukacha xa unesimangalo sokumangalela kwicala lakho. Umtshintshi wakho wamangali kufuneka akushiye unyanzelekile, kwaye wenze ukuba uzive ngathi bekho icala lakho.
Yintoni ongayenza Ukuba Unenkinga ngeBango lakho
Ukuba unengxaki yokuthetha ne-alfinder yakho okanye ungayiqondi into ethile, uthetha kummeli wakho we-inshorensi okanye i-agent. Ungabona kwakhona ukuba inkampani yomshuwalense ine-ombudsman okanye umphathi wesevisi yesevisi. Ngokuqhelekileyo, ukuba ungena enkingeni ngexesha lebango kwaye uthetha izinto ngokuqhelekileyo unokusombulula.
Ukuba naliphi na ixesha unomuzwa wokuthi izinto azikho esandleni, okanye uthabatha ixesha elide, unako ukudibanisa neofisi yekomishinala karhulumente ukuba ufumane into ongayenza. Ukufowunela iofisi yakho yamakhomishina karhulumente ngaphambi kokuba uqeshe igqwetha lingakusindisa imali kwaye ufumane izinto endleleni. Unokubanceda ukuba ufake ifowuni ukuba ngaba uziva ukuba izinto ziza kulandela. Inkampani yenkampani yomshuwalense kufuneka ukuba ikuncede, kwaye njengomthengi, unelungelo lokufumana izilungiso ezifanelekileyo kunye nezilungelelaniso kunye neenkonzo zabathengi.
Ukuba ekupheleni kwebango lakho, ukuba awuhlali ujabule nenkonzo yamabango , unokufuna ukuthetha nomthengisi malunga nokutshintsha inkampani yomshuwalense kwinkampani yomshuwalense enokubaluleka kweenkonzo zamabango .