Ngoko kwenzeka ntoni xa ibhola ibetha imoto yakho kwaye ilimaza i- windshield okanye ibeka ithambo emzimbeni? Ngubani ohlawula ukulungiswa? Iyakwazi ukuhluka ngeemeko kunye nokuhamba phambili komntu obetha okanye olahle ibhola.
Ininshurensi inokudlala indima ekulungiseni ukuba iindleko zesikhwama ziphezulu kakhulu.
Faka ifayile kwi-inshurensi yemoto
Ibango lingafakwa kwi-inshurensi yemoto yomshuwalense ukuba unayo inkcazo epheleleyo ebalulwe ngexesha elo lililo lililo. I-deductible yakho iya kusebenza. Ukuba umonakalo oqhubekayo kwisithuthi uncinci kune-deductible, i-inshorensi yakho ayiyi kuhlawula nayiphi na imali yokulungiswa.
Indlela Ibango elichaphazela ngayo i-Car Insurance Rate
Uninzi lwabaxhasi bee-inshorensi abazithengi ngokubanzi ngamabango amaninzi . IiLots ziqala ukuhlawula xa ufaka amabango amabini apheleleyo kwixesha eliminyaka emithathu. Ngoxa ezinye iindleko zentlawulo yee-inshurensi yazo zonke iibango zibandakanya. Kukulungele ukujonga nge-inshorensi yakho ukuba uqinisekise indlela abaphatha ngayo ukuzaliswa kweentlobo ezahlukeneyo zamabango.
Ngubani ohlawula iDeductible
Ngokuqhelekileyo, ngenxa yokuzibophelela ekuziphatheni ukuba umntu ophosakeleyo oshayayo, okhangela okanye ophosa ibhola uya kuza phambili kwaye anikezele ukuhlawula umonakalo okanye uhlawulelwe.
I- deductible ingaba yindlela encinci yokuya kumntu obangela umonakalo. Ngelishwa, uya kuba nobunzima ukuphoqelela umntu ophosakeleyo ukuba ahlawule. Ukuba abanqwenela ukuthatha uxanduva, uya kuba yedwa ngaphandle kokuba ufuna ukulandela inkundla yamatyala amancinci.
Fakela ibango kwi-Ownership Policy
Iqela eliphosakeleyo linokufaka ifowuni kwipolisi yomninikhaya.
Imigaqo-nkqubo emininzi yemakhaya ayinayo i-deductible kwiimfanelo, nangona kunjalo, umrhumo wenkcitho yomgaqo-nkqubo ungaba lula ekuvuseleleni kwakho ngokuzayo ngenxa yokufaka ibango. Umrhumo ongaphantsi unokuhlala iminyaka emithathu kwimigaqo-inshorensi yomhlalaphantsi. Ngokuqhelekileyo, ukuhlawula kwipokhethi yindlela ephantsi yokuhamba. Imigaqo-nkqubo yasekhaya yabantu abadala kunye nezingane eziphosakeleyo ziphazamisekile ngolu hlobo, kodwa ukutshatyalaliswa ngokwemvelo akuqhelekanga. Ngolwazi lwakho, umgaqo-nkqubo womninikhaya awuyi kubonakalisa umonakalo wakho wabantwana kubangele imoto yakho!
Iimonakalo zenzeke kwibala lezemidlalo okanye kwibala lezemidlalo
Kungenzeka ukuba uzakufuneka ufake ifowuni kwipolisi yomshuwalense womshuwalense phantsi kokubhengezwa ngokubanzi ukuba isithuthi sakho sonakaliswe kwibala lebhola yebhola okanye kwiklasi yegalufa. Mhlawumbi ngeke ukwazi ukuba ngubani owonakalisa umonakalo kunye nebaladi okanye ikhosi ayiyi kwamkela uxanduva.
Ngokuqinisekileyo ayiyi kuba yingozi ukuyizisa kwibala lezemidlalo okanye kwiiglasi. Ukuba abazange banikezele ngempahla efanelekileyo okanye ezinye iindlela zokuphepha eziyimfuneko, unokuba ngummeli kwaye unokuba netyala. Nangona le nto ingaba yimeko ephazamisayo, ngethemba lokuba, iindleko zomonakalo aziyi kuqinisekisa ezi nyathelo.
Amathuba kukuba nokuba uyazi ukuba ngubani obangela umonakalo ongeke ukwazi ukuwalandela.
Kusemngciphekweni othabathayo xa upakisha kwindawo apho iibhola zihamba ngeenxa zonke. Gcina ingqalelo ngokubanzi kwisithuthi sakho ngamaxesha onke ukuba unomdla wokulimala okwenziwe ngababhola.
Ngubani o no xanduva
Lindela ukuhlawula ukulungisa. Uya kufuneka uhlawule ephaketheni lakho okanye ngokufakela ibango kwimigaqo yomshuwalense wemoto yakho. Ukuba iqela eliphosakeleyo liza phambili okanye libanjwe ngokubomvu, ngethemba lokuba, inyanzelekile yokuziphatha iya kuthatha kwaye iya kuzinikela ngokuzithandela ukuhlawula umonakalo. Khumbula izingozi zenzeka kwaye ngamanye amaxesha akufanelekile ukuphazamiseka nokuphazamiseka ukugxotha phantsi kweqela eliphosakeleyo.