1. Umshuwalense oSebenzisa ngokuSebenza
Amathuba ukuba i-inshurensi yakho ye-auto ayiyi -inshorensi esebenzisekayo (UBI) eyaziwa njenge -inshorensi ye- pay-as-drive (i-PAYD) okanye i- inshurensi ye- pay-drive (PHYD) . Nge-inshorensi esebenzisekayo, uvumela idivaysi ye-telematics ukuba ifakwe kwisithuthi sakho esivumela ukuba inkampani yenkampani yomshuwalense ukuba ijonge imikhuba yakho yokuqhuba.
Ukuba ungumqhubi okhuselekileyo, ukuziphatha kwakho okulungileyo kukufumana i-premium yomshuwalense ophantsi kunabanye abantu abanemikhwa emibi yokuqhuba.
Ngokwe-National Association of Commissioners Insurance (NAIC), malunga neepesenti ezingama-20 zazo zonke i-inshurensi zemoto ziya kunika i-inshorensi esebenzisekayo kwiminyaka emihlanu ezayo. Emva kokuba ifowuni yefowmatics efakwe kwisithuthi sakho, ihlola indlela oqhuba ngayo imoto kwaye uyilobe. Ezinye zezinto ezivezweyo ziquka apho kwaye xa uqhuba, inani leekhilomitha oziqhubayo, naziphi na ixesha lokukhawuleza ngokukhawuleza okanye ukukhwabanisa kanzima. Nangona abanye abaqhubi bebhengeze iinkxalabo malunga nobumfihlo beenkcukacha zabo eziqokelelweyo, iinkampani eziphezulu zihambisa i-inshorensi esebenzayo, njenge- Progressive Insurance , ingxelo yokuba akukho nxaxheba ekulandeleni idatha yomqhubi womqhubi kunye nedatha ayilwana nabani na abathathu.
I-inshurensi ye-auto-based esebenzisa njani ihluke kwi-auto auto yomshuwalense?
Ngomgaqo-nkqubo we-inshurensi yemoto, i-premium yakho ye-inshurensi inqunywe ngamanani amaninzi kubandakanye imbali yokuqhuba imoto, yenza kunye nemodeli yesithuthi sakho, i-mileage kunye nendlela osebenzisa ngayo isithuthi sakho (njengokusebenzisa isithuthi ukuqhuba umgama omde ukuya emsebenzini okanye kuphela ukuqhuba ngokuzonwabisa).
Ingaba umgaqo-nkqubo wendabuko awuthathi ngqalelo kwi-premium yomshuwalense yinshurensi esebenzisekayo yindlela ekhoyo yokuqhuba. Umzekelo, nangona uye waba neengozi kwixesha elidlulileyo, unokuba ngumqhubi okhuselekileyo ngoku.
I-inshorensi esebenzisekayo yintsebenzo yokuphumelela kumnini-nkqubo kunye nenkampani yomshuwalense kuba ikhuthaza ukuba umqhubi enze iindlela zokuqhuba ukukhusela okukhuselekileyo, okwenza ukuba kuncinci inani lezengozi kunye nenani lamabango inkampani yomshuwalense kufuneka ihlawule ngaphandle. Enye inzuzo kumnini-nkqubo kukuba ukuba wenza utshintsho ngexesha lwenyanga echaphazela yakho premium; umzekelo, uyeka umsebenzi wakho wemihla ngemihla kwaye uqale ukusebenza ukusuka ekhaya, ukunciphisa i-premium yakho kusebenza ngokukhawuleza.
Nangona i-inshorensi ye-auto-based-based usetyenziswe ukuba ingabikho kubo bonke abantu, okwangoku bahlawula iiprimiyamu zomshuwalense ophakamileyo kakhulu ngenxa yokuba bahlelwe njengabaqhubi bengozi basemgangathweni banokufumanisa ukuba i-inshorensi esebenzisekayo inganciphisa kakhulu iipomimas zomshuwalense. Inkokhelo ye-inshurensi ayinayo wonke umntu ihla nge-inshurensi yokukhokha-njengayo. Ngelixa abanye abantu baya kufumana imali ebalulekileyo yokugcina imali, enye i-premium yomshuwalense ye-inshurensi iya kunyuka.
Nangona i-inshurensi yakho yemoto inika i-inshorensi esebenzisekayo, yinkqubo yokuzithandela kwaye ayikho imfuneko. Ukuba awufuni ukuba idatha yakho ibuthe kwaye ithunyelwe kwinkampani yakho yomshuwalense ngedivayisi ye-telematics, ngoko ke lolu hlobo lwenkqubo lungenakho. Ukuba unemibuzo ethile malunga neyiphi idatha eqokelelweyo kunye nendlela esetyenziswa ngayo, kufuneka uqhagamshelane nenkampani yomshuwalense enikela inkqubo. Inkampani yomshuwalense kufuneka ibe ne-disclaimer kwiwebhusayithi yayo leyo ichaza ngakumbi malunga nomgaqo-nkqubo wayo wobumfihlo kunye nokuba nayiphi na idatha edibeneyo iya kusetshenziselwa.
I-teknoloji ejongene ne-inshorensi esebenzisekayo ibuye yenze ukuba nezinye iinkonzo zokuqhubela iinkonzo ezinokuthengwa ngabaninzi be-inshorensi ezifana neengxelo zezempilo, ukulandelwa kwebabi bezithuthi kunye nokukwazi ukuphendula ngokukhawuleza. Kungenzeka ukuba kwixesha elizayo, abaninzi bomshuwalense wezithuthi baza kuqala ukufaka ezi nkalo kwiiprogram ze-UBI.
Ngaphambi kokuthatha isigqibo malunga naluphi na uhlobo lwenkqubo yokusebenzisa i-inshurensi ye-auto-based, kukulungele ukwenza umsebenzi wesikolo sakho sasekhaya. Funda phezulu kwenkampani enikela inkqubo kwaye ufunde ubungqina bokuba benzise inkqubo. Ukuba nolwazi oluthe xaxa uzibamba, ulungele ukulungeleka xa ukhetha uhlobo olufanelekileyo lwe-inshurensi. Ezinye iinkqubo ze-inshorensi ezisetyenziselwa ukujonga ukuba zibandakanya i- Nationwide SmartRide , i- Metromile , i- Safeco Rewind , i-IntelliDrive yabahambi, i-Hartford TrueLane, iFama yeFama yeFama ekhuselekileyo kunye ne-Gcina; ne- Esurance DriveSense .
2. Alexa
Kusenokwenzeka ukuba uye wabona ithengiso lwee-TV kwi- Alexa, incedo oluqilileyo olwenziwa ngu-Amazon. I-Alexa, evezwe yi-Amazon ngo-2015, ivuliwe ngezwi kwaye iphendule kwimithetho ethethiweyo yokwenza nantoni na ngokufunda iphephandaba lakho ngokukhawuleza okanye ukubonelela ngeemeko zemozulu kunye neemeko zokuqhuba; ukulawula ukutshintsha kunye nama-thermostats ekhaya lakho.
Kungekudala, i-Grange Insurance inomsebenzi omtsha ohambelana ne-Alexa eyokukuvumela ukuba ufumane ummeli womshuwalense ozimele okanye uphando ngonyulo ye-inshorensi yenkampani yomshuwalense. Ehlabathini lonke kunye ne-Safeco ngaphambili babambisana no-Alexa (aka Echo) ukubonelela ngeenkonzo kubaxumi babo.
Kubaphathi bepolisi abanayo i-Alexa, ngoku sele benendlela yokusebenzisana nabathwali babo bomshuwalense olungeleyo kwaye kulula ukuyisebenzisa. Ngenye indlela intsha e-inshurensi inikezela isisombululo kubathengi abadinga ukusetyenziswa kwemisebenzi emininzi ukuze bahlale bephila ngokuxakeka. Ngeke kumangaliswe njengoko abanye abathwali bomshuwalense bongeza isicelo esihambelana ne Alexa.
3. IiNkampani zeIntsholongwane ezintle
Ukufakela i-inshorensi ye-inshorensi esebenzise ingqiqo yokuvumela ukuba abathengi base-inshorensi bafumane isicatshulwa ngokuthumela imiyalezo yesiphathi selayisenisi. Kubathengi abafuna ukukhululeka kokusetyenziswa njengempawu # #, oku kuya kubhenela abaninzi. Isicelo siyaziwa ngokuthi ngu- Evia (i-Expert Virtual Insurance Agent).
Ukufakela intsebenziswano kubambisene neenkampani ezininzi ze-inshorensi eziphezulu zokubonelela ngemimiselo eyahlukahlukeneyo yomrhumo kumthengi we-inshorensi. Ezinye zala ma qabane ziquka:
- Lama-21 leminyaka
- AIG
- Amica
- Dairyland
- Esurance
- Abalimi
- Infinity
- U khu luleko
- Mercury
- MetLife
- Kwilizwe lonke
- KwiPlamouth Rock
- Inkqubela phambili
- Safeco
- Jikelele
- IHartford
- Titan
- Abahambi
- USAA
Ukuba ufuna ukutyikitya kule sicelo, tyelela iwebhusayithi ye-Insurify okanye u-781-369-5695. Nangona i-Evia yoKhuseleko yayingowokuqala kohlobo lwayo kwi-inshorensi enobuqilileyo neyintetho, ungalindelanga ukuba ibe ngowokugqibela. Iinkqubo ezifanayo zilindeleke ukuba zilandele njengoko iimfuno zeteknoloji ezintsha ze-inshorensi zokunceda ekuthengeni i-inshurensi / ukulungiselela iinkqubo ezikhoyo.
4. Izicelo ze-inshurensi yeThuthi
Izicelo zomshuwalense yamanxeba ziyimfuneko kunoma yimuphi umthumeli womshuwalense ofuna ukuqhubeka nomthengi wanamhlanje. Ubomi buhlala kubabaninzi ngokusebenzisana rhoqo. La makathengi "ahambayo" afuna indlela yokufikelela kwimveliso ye-inshorensi kunye neenkonzo ngee-smartphones okanye kwi-Android.
Isicelo se-inshurensi yeselula siya kukuvumela ukuba uthengele umgaqo-nkqubo, uyithenge uze unikeze umgaqo-nkqubo wakho okanye ufake ifowuni-yonke into yakho yeselula. . Kungenzeka ukuba enye iyafumaneka kwaye abaninzi banokukhululeka ukukhuphela, ngakumbi kubanini-nkqubo.
Ezinye zezicelo ezikhoyo ezikhoyo ziquka i- GEICO , i- Safeco , Abahambi , kunye nezinye iinkampani ezininzi ze-inshorensi eziphezulu. Kufuneka ujonge umphathiswa wakho weselula ngokumalunga nomyalezo kunye needata ezingasetyenziswa kwizicelo zeselula.
I-GEICO isanda kufaka isixhobo esincedisayo kwisicelo sayo esiphezulu esibizwa ngokuba nguKate . U-Katie uya kuphendula imibuzo malunga nokulinganisela kwakho, umhla wokuhlawula ozayo, kunye neenkcukacha zokujonga ngokuthetha naye okanye ngokuthayipha kumbuzo wakho. Kuyafana ne-Apple Siri.
5. IiNkonzo zoKhuseleko kweeNqwelo
Le teknoloji ayiyiyo ngqo kwi-"shishini lomshuwalense" kodwa kunokwimveliso yezimoto. Nangona kunjalo, ukuqhubela phambili kwiinkqubo zokukhusela imoto kunokukunceda ukuba ugcine bucks amakhulu kwi-premium yakho yomshuwalense .
Abanye abathwala i-inshurensi, njenge- Liberty Mutual Insurance , banikezela isaphulelo ukuba unaloo mithombo entsha yokukhusela imoto efakwe kwisithuthi sakho:
- Ulawulo lwe-Cruise ye-Adaptive : I-adaptive cruise controls izixhobo ezijongene neemeko zendlela kunye nokutshintshisa isivinini sakho ukuqinisekisa ukuba isithuthi sakho sikhephe ngokukude kwinqwelo elandelayo phambi kwakho.
- Ukugwema ukuQhathaniswa : Inkqubo yokukhusela ukudibanisa iye yakha-ngaphakathi kwintsholongwane eyaziwayo xa kukho ukuqhubana okuza kwenzekayo kubandakanywa nesiganeko sokuqhaqha ngokukhawuleza okanye ukuba esinye isithuthi phambi kwakho sisebenzise izixhobo. Inkqubo inokusebenzisa ibheki yemoto yakho kwaye ithathe ezinye izenzo zokukhusela ukukhusela wena nabanye abagibeli kwisithuthi sakho.
- Isilumkiso-Ukuhamba Isilumkiso : Isilumkiso sokuhamba-ndlela sinekhamera ekwakhiweyo ekulandeleleni isikhundla sakho kunye nezilumkiso ukuba isithuthi sakho siphuma ngaphandle kwendlela oqhuba kuyo.
Ezi ziphela zezinto ezintsha zokukhusela eziphuhliswe kutshanje ezingayi kukugcina kuphela ukhuselekileyo endleleni kodwa zinciphise i-premium yomshuwalense we-auto. Njengoko imfuno yobuchwepheshe bezokhuseleko zikhula, ngokunjalo nenani lala macebo liza kumthengi.