Qaphela kwiimali zamabango amaninzi
Thatha ixesha lokufunda malunga neengxelo ze- inshurensi yemoto ngaphambi kokuba ufanele ufake ifayile ukuze ulungele oko kuza kwenzeka.
Amabango abuyela emva
Akunakuthanda ukuba ngaba unayo amabango e-inshurensi yemoto kwiveki enye okanye unyaka ngaphandle: zonke iimangalo ezenziwe ngaphantsi kweeminyaka emithathu zibhekwa "ngamabango amaninzi" kwingxelo yakho yamabango kwinkampani yakho yinshuwalense.
Amangalo amaninzi kunye neeDeductibles
Izimangalo ezininzi ezenzeka ngokusondeleyo kunye nazo zihlala ziphakamisa imibuzo malunga nama-deductibles. Ngokomzekelo, zithi uye waqhelanisa ukufumana i- windshield yakho ephahliweyo kwaye ngoku idiza iqhutywe kwicala lakho. Ufuna ukugcina ixesha (kunye nokujongana nemiba emibini) ngokuba ne-windshield yakho kunye nomonakalo obangelwa yizinyamazane ezilungisiwe ngexesha elifanayo. Ngelishwa, nangona zombini izibango ezibanzi , ziziganeko ezihlukeneyo. Uya kufuneka uhlawule iinqununu ezimbini ukuba umgaqo-nkqubo wakho usekwe nge-deductible kwi- coverage epheleleyo .
Ngokuqhelekileyo, xa isithuthi sakho sonakaliswe ngamaxesha amabini ahlukeneyo ngenxa yezizathu ezibini ezihlukeneyo, i-deductible yakho epheleleyo iya kusebenza kwimeko nganye. Nangona kunjalo, kunokwenzeka ukuba kunokwenzeka ukuba kwenziwe ngaphandle kwimeko yomonakalo wesiqhumane . Ukuba imoto yakho ibonakaliswe ngesichotho kwaye isebe lomthi liwela kwisithuthi sakho ngexesha lesinye isiqhwithi, inkampani yakho yomshuwalense ingaba ikulungele ukuhlawulisa enye into ngenxa yokuba isiphepho esifanayo senze umonakalo.
Ngaba Uhlobo lweMicimbi yeMangalo xa lufika kwiimangalo ezininzi?
Ngokuqinisekileyo. Yintoni ebalulekileyo kule nkqubo ayikho kuphela indlela oye wafaka ngayo amaninzi amabango kodwa uluphi uhlobo lwamabango owenzayo. Cinga ukuba ubani ophosakeleyo kunye nenani lomonakalo phambi kokufaka ibango. Kungenza umehluko omkhulu kwisigqibo sakho sokufayile.
Izikhokelo eziqhelekileyo zabathwali be-inshurensi ezikhethiweyo
- Izibango ze-At-Fault: Amabango amabini anecala-ebangelwa ngumqhubi omnye kwiminyaka emithathu, ingaba yindawo yokungahlaziywa ngabaninzi abathandayo bomshuwalense.
- • Amabango: Kwezona zizwe, amabango oyifayile kumnye umqhubi awubonakali ngumthumeli wakho womshuwalense kuba ibango lifakwe kwi-party party-fault policy. Imithetho ishintsho kwimimandla yaseMichigan ngenxa yomthetho wayo onzima-uphotho - kweli gama, kwanamabango awenziwe kwelinye iqela afakwe kwi-inshurensi yemoto yomshuwalense. Iintlawulo ezithandwayo zokuthuthwa kwamanqanaba amathathu okanye amabango amaninzi afakwe kwisithuba seminyaka emithathu.
- Izibango ezipheleleyo: Ngokuqhelekileyo, amabango amaninzi amaninzi awachaphazeli izinga lakho le-inshurensi , kodwa ukufaka ezintathu okanye ngaphezulu kwiminyaka emithathu kunokukwenza ukuba iirhafu zakho zikhuphuke. Kuya kuxhomekeke kwindlela umphathi wakho we-inshurensi aphatha ngayo amabango amaninzi. Ezinye iintlawulo zomshuwalense zihlawuliswa kuzo zonke iibango ezibanzi, nangona abaninzi bebanjalo. Funda umgaqo-nkqubo weenkcukacha ezithile.
Indlela Yokugwema Izigwebo Zamatyala amaninzi
- • Qaphela: Iibango ezigqithisiweyo ezifayili zineentlawulo zamatyala. Ncipha umshayeli ophazamisayo, hlala ezindleleni xa isimo sezulu sibi, paka imoto yakho kwigalaji okanye phantsi kwe-carport, kwaye ugcine imoto yakho kwindawo ephezulu.
- • Ukuhlawula izibango: Ngokucacileyo ukuhlawula umonakalo kwisithuthi sakho ngaphandle kwipokethi akusikho into ofuna ukuyenza. Nangona kunjalo, ngamanye amaxesha kuyona nto iyona nto ibancinci. Elinye ibango ligxininise ngokwaneleyo; ukuphosa amabango amaninzi kwaye unokwenene ukutsala iinwele zakho. Iingcebiso ezifanelekileyo kukusingatha omnye ngexesha. Hlola iindleko zokuhlawula umonakalo ngokwakho ngokufaka ibango, zombini elifutshane kunye nexesha elide, kwaye ukhumbule ukuba amabango amaninzi ngexesha elifutshane liyakubonakaliswa kubagcini bomshuwalense ukuba unobungozi obuphezulu, obangela ukwanda kwezinga.