Amanyathelo amane okuthatha emva kokubangela ingozi yemoto:
- Yima njalo kwaye ukhangele ukulimala kwisithuthi sakho kunye nasiphi na isithuthi esithintekayo.
- Ukwabelana ngolwazi nabanye abaqhubi abandakanyekayo. Ulwazi ngokuqhelekileyo lubandakanya igama, inamba yefowuni, inkonzo yomshuwalense kunye ne-agency, nenombolo yomgaqo-inshurensi. Kwakhona qiniseka ukuba uqaphele ixesha kunye nendawo yengozi.
- Ingxelo yengozi kumapolisa.
- Ingxelo yengozi ngqo kwi- inshente yomshuwalense womshuwalense okanye kwi- inshurensi .
Kungaba nzima ukuzama ukuphepha ukubiza amapolisa, kodwa yinkqubo eqhelekileyo. Ukubangela ingozi yemoto kuphazamisekile, kodwa kufuneka uthathe uxanduva kwaye wenze imeko ihambe kakuhle. Ingxelo yamapolisa ibalulekile kwiqela elingenayo iphoso kwaye iya kucacisa nayiphi na imibuzo enoxanduva kwinkampani yomshuwalense. Ngokuqhelekileyo umqhubi wecala ukhankanywe ithikithi yethrafikhi yokudala ingozi.
Yintoni eya kubangela ukuba ingozi yemoto ithinte i-inshurensi yemoto yakho?
Kungakhathaliseki ukuba ungayifumana itikiti evela kumapolisa, ukuba uneminyaka engaphezulu kwama-50 kwi-error , i-inshurensi yemoto yakho iya kukhula xa umgaqo-nkqubo wakho uvuselela.
Abathwali bomshuwalense bahlala becwangcisa umqhubi we-fault-in engozini yemoto. Abathwali bomshuwalense banakho ukugqithisa imoto yakho yomshuwalense xa ufumana ukuphulwa kwezithuthi kwengozi okanye ukuba uyifake ibango kwaye uzimisele kwi-error. Inkqubo eqhelekileyo yinto eyodwa kuphela yeziganeko ezichasene nawe.
Kuthetha ukuba awuyi kuhlawulwa ngenxa yokuphulwa kweendlela kunye nebango.
Ukuhlaziya kunye nokuPhakanyiswa
Emva kokubangela ingozi yemoto, usenokuzibuza indlela umgaqo-nkqubo wakho womshuwalense wemoto uza kukugubungela ngayo. Ukulimala kwesithuthi sakho kuya kubalwa ngepolisi yakho ukuba uthenge ukuthengwa kwe- collision coverage . Uya kuba noxanduva lwakho lokutsalwa, nto leyo ithetha ukuba nantoni ngaphezu kwexabiso lakho elichithwayo liya kugqitywa ngumgaqo wakho. Kwiinkoliso ezininzi, umgaqo-nkqubo wakho womshuwalense uya kugubungela umonakalo kwisithuthi esingekho. Ulwabiwo lwezonyango luhluka ngobuso. Amanye amazwe afumana ingxelo evela kwipolitiki yeqela eliphosakeleyo ngelixa elinye iphoso lijongene nomgaqo-nkqubo walo kungakhathaliseki ukuba ubani ophosakeleyo.
Ungakuphepha njani ukwanda kwe-inshurensi yemoto
Indlela efanelekileyo yokuhamba nge- inshurensi yemoto yanda emva kokuba umonakalo owenziwe ngengozi ukuthenga ukuxolelwa kwengozi ngaphambi kwexesha. Akunabo bonke abathwala i-inshurensi banikela ngokuxolelwa kwengozi kodwa ngokuphindaphindiweyo kunye nokuphuma. Ngokuqhelekileyo, ukuba umrhumo omncinci, unokongeza intlawulo yokuxolelwa kwintlawulo yomshuwalense wemoto yakho kwaye ukuba unobungozi bokuba yingozi, iirhafu zakho aziyi kunyuka ngenxa yengozi.
Emva kwengozi yemoto, kubalulekile ukuphefumula kwaye ukhumbule izinto ezibalulekileyo ebomini.
Ndiyathemba ukuba wonke umntu uziphatha ngokufanelekileyo ngaphandle kokungabikho okungadingekile. Izingozi zixinzeleleke ngokwaneleyo. Ngamaxesha afana nalawa unokubulela unomgaqo-nkqubo we-inshurensi yemoto kwaye uyakwazi ukuyisebenzisa.