Ukuthabatha i- inshurensi ye- auto deductible isigqibo sakho somntu. Kuxhomekeke kwinqanaba lakho lokuthuthuzela kunye nenani lomngcipheko ozimisele ukuwathabatha. Kukunene kuwe ukulinganisela ukhetho lwakho kwaye unqume okokukhetha okulungileyo kuwe nakwentsapho yakho. Igosa le- inshurensi lingakunika enye inkcazelo oyifunayo ukwenza isigqibo esikolweni, kodwa ungavumeli i-arhente yakho inqume. Nazi iimbuzo ezintandathu zokufumana iimpendulo xa kuziwa ekukhetheni izithintelo zomshuwalense we-auto .
01 Yintoni ebonakala ngathi isikhwama sakho sengxamiseko?
Ngaba ingxowa yakho yexakeka ngokukhawuleza iphela ngokupheleleyo? Okanye ngaba izinto zihleliwe? Kufuneka uqwalasele i-akhawunti yakho yasebhanki xa usenza isigqibo malunga ne-deductible. I-$ 1000 echithwayo ayiyi kuba luncedo kuwe ukuba unayo ibango kwaye ayikwazi ukuhlawula imali. Ukufumana imali-mboleko yokulungiswa akuyiyo into enhle kwaye ngelishwa, izingozi zenzeke. Ukuba uthatha ingozi ye-$ 1000 echithwayo, lungele ulungele ukuhlawula xa ixesha lifika. Kuya kuba nzima kakhulu ukuba ungakwazi ukuqhuba isithuthi sakho ngenxa yokuba awuzange ucwangcise ukuba ufanele ukugubungela iindleko zesikhwama . 02 Iyintoni ixabiso lesithuthi sakho?
Ixabiso lesithuthi sakho lenza umehluko omkhulu kwizinto ezithintekayo. Isithuthi sakho esibiza kakhulu, ngokuqhelekileyo kuyafuneka ukuba uqinisekise. Ixabiso eliphezulu elichithwayo liqikelele kwisithuthi esixabisekileyo kuba ukugcina ingabaluleka. Ukuba ungomnye walabo bantu abangenakubona ukuhamba ngaphandle kwenkunkuma yokulimala emotweni yakho yokuguga, akusenokungenangqondo ukuba uthwale ixabiso eliphezulu. Ngokomzekelo, ukuba imoto yakho eneminyaka eyi-10 ubudala isenokufikelela ngokubanzi , mhlawumbi awufuni ukuthwala i-dollar eyi-1000 echithwe ngenxa yokuba ixabiso lezithuthi linokuthi libe li-dollar elinesibini elincinci. Ngaphezulu, ukugcinwa kwindinyana e-deductible ye-$ 1000 engama-dollar ayi-500 echithwe kwi-intanethi ingaba idola ezimbalwa kwinyanga. Kuyafana neendleko zeedola ezingama-500 zamaRandi eziyi-100 ezichithwe ngokubanzi kwizithuthi ezidala, ixabiso alinakuhluka.
03 Ziziphi iindleko ezahlukahlukeneyo zokunciphisa iintlobo ezahlukeneyo?
Hlola nge- inshente yakho ye- inshorensi okanye kwi-intanethi ukubona ukuba yiyiphi intlawulo ehlukileyo yokunciphisa. Ukuba kuya kuthatha iminyaka engaphezu kwemithathu ukubuyisela imali yakho, mhlawumbi ungcono xa uhamba kunye ne-deductible ephantsi. Ukubala ukulondolozwa kwakho, catshulwa ulwalamano lwakho olususwe kwi-$ 500 kunye ne-1000. Qinisekisa ukulondolozwa kwaye ubale ukuba kuya kuthatha ixesha elingakanani ukonga ukuya kwisahluko ye $ 500. Ukuba unako ukugcina i-$ 500 kwi-premium kwiminyaka emithathu, kungenokuba yinto efanelekileyo yokuhamba kunye ne-deductible ephezulu. Akukho mntu uyazi ukuba ngaba uya kuba nebango kwiminyaka emithathu. Ukulondoloza kungabi yimali ephaketheni lakho okanye ungasebenzisa iminyaka emithathu ezayo ukubuyisela imali yakho.
04 Yintoni umngcipheko wakho?
Ziziphi amathuba okuba ube nebango? Wonke umntu unomngcipheko womqhubi kungakhathaliseki ukuba ungubani umqhubi. Cinga malunga nokuba uhlala uqhuba okanye uhlale uqhuba ngexesha lexesha eliphakamileyo. Ngaba uhlala kwindawo yokupaka yesikolo okanye udibaniso oluxakekileyo? Ngaba ulahleka ngokukhawuleza kwindlala? Ukuba amathuba okuba ibango liphakamileyo, unokuba ngcono xa unokutsalwa okuphantsi. Ngexesha elifanayo, ukuba ungumqhubi omkhulu onobungozi , ukugcinwa kungabakho ngokukhululeka ukuhamba kunye nexabiso eliphezulu. Kwakhona yinto efanelekileyo ukufumana izicaphulo kwiindlela zakho ezihlukeneyo zokunciphisa. 05 Ngaba ukuchithwa kokutshatyalaliswa kwinto enhle?
Ukutshatyalaliswa kwezinto ezithintekayo kuya kuba yinto ekhethiweyo, kodwa nokuba kuyindlela ekhethekileyo iyahluka nawuphi na oyicelayo. Ngokwenene ukuba ukuhlawula i-deductible kunokukukhubaza ngokwezemali ukuchithwa kwe-deductible kunokunceda. Uya kuhlawula i-premium yomshuwalense owongezelelweyo ukuze uhlahlise kwi-deductible. Uya kuba ngcono xa usindisa imali kwingxowa-mali yakho . Ukuba uhlala ulwabalalisa nokugcina ingxowa-mali yexakeka, i-deductible yokulahleka yinto efanelekileyo. 06 Ngaba kunengqiqo ukukhetha i-deductible eyahlukileyo eyahlukileyo?
Ewe, ngokuqhelekileyo abantu bakhetha iinqununu ezahlukileyo ezahlukeneyo. Ukuqhelaniswa ngokuqhelekileyo kukuthengwa okuncinci kuninzi kunokungena kwi-deductible ephantsi. Ukubambisana kudla ngokukhawuleza kwaye kunengqiqo ukuhamba kunye ne-deductible ephezulu. Ngokomzekelo, unokuhamba ne-$ 100 echithwe kwi-intanethi kunye ne-$ 500 kwi-collision. Ngeendleko ze-inshurensi ezikhuphukayo abantu abaninzi banyusela i-deductibles yabo kwi-$ 500 kwi-intanethi kunye ne-$ 1000 ngokudibana. Izithintelo ze-Zero zikweluhlu lwezilwanyana ezinobungozi ngenxa yokuba bambalwa abathwali bomshuwalense abanikezeli. Ukugcina izinto zilula, kucetyiswa ukuba uhlale uhlawulela okufanayo kuzo zonke izithuthi zakho. Kulungile ukukhetha ulwahlulo oluhlukeneyo, kodwa ukuba unayo izithuthi ezimbini kunye nokuhlawula okupheleleyo kunye nokunciphisa okufanayo. Oku kunokudideka kwaye kuphazamise ukuba ukhetha iinqununu ezahlukeneyo kwisithuthi. Yazi ukuba iinqununu zakho zini kwaye uzilungele ukuhlawula xa uhamba ukulungisa isithuthi sakho emva kokulahleka. Ngethemba ukuba ukwazi iimpendulo kule mibuzo kuza kukunceda ukhethe ukuchithwa okufanelekileyo kwimeko yakho.