Iimali zomshuwalense wemoto kunye nemininzi yemibuzo iyahamba ngesandla. Ndiye ndabhala ezinye ze-inshurensi yemoto ebhenkcelayo imibuzo kunye neempendulo ze-quickie. Fumana iimpendulo ezipheleleyo ngokuchofoza umbuzo onokukuthandayo.
- Ngaba imoto yami iphelele?
Ukuba ixabiso lokulungiswa kwimoto yakho liphezulu kunenani lezithuthi ngokuqinisekileyo lilonke. Uninzi luhamba kunye nenqaku elingu-75% elithetha ukuba umonakalo ophezulu ngaphezu kwe-75% yexabiso lezithuthi ke lilonke.
- Yintoni endiyenzayo emva kwengozi epheleleyo yokulahlekelwa?
Ukuqhagamshelana nommeli wakho we-inshorensi kunye nokufumana isihloko sakho nje ngamanyathelo amathandathu omele uwathathe emva kokuba sele ulahlekelwe yingozi. Fumana into ongayenzayo ukukhawulezisa inkqubo yebango ukufumana imali yakho ngokukhawuleza. - Ingozi enye yemoto isingathwa njani?
Iziganeko eziqhelekileyo zeemoto zihlala zicatshangelwa ngeengozi zengozi. Faka ifom yebango uze uhlaselwe ngengozi yengozi yokuhlaselwa yintengiso yomshuwalense wakho. - Ngaba ndimele ndihlawule i-claim-fault?
Ukuhlawula ibango ngaphandle kwesikhwama kufuneka kuqulunqwe ukuba umonakalo ubiza iindinyana zakho kwiindinyana ezichithwe kwi-in-fault-over amount. Thelekisa la manani amathathu ukufumanisa ukuba kuyafaneleka ukuba ufake ifowuni. - Kuthekani ukuba ndifumana iimangalo ezininzi ze-inshorensi?
Izibhengezo ezininzi ze-inshorensi zihlala ziziindaba ezimbi. Abaninzi abasithandayo i-inshurensi abayi kuphinda bahlaziye umgaqo-nkqubo wakho ngenxa yeengozi ezimbini ezenzakaliswa ngumqhubi omnye kwiminyaka emithathu. Abaninzi banokugqithisa amabango amaninzi ukuba ngaba abathathu okanye ngaphezulu bafakwa kwixesha leminyaka emithathu. Abathwali bomshuwalense bahluke kwezi zikhokelo.
- Kuthiwani xa umntu eboleka imoto yam kwaye engena engozini?
Umgaqo-nkqubo we-inshurensi othayibisayo isithuthi iya kuhlawula umonakalo wezithuthi. Ukugcinwa kwenkxaso-mboleko kwandiswa kwakhona, kodwa ukuba umda awukhawulelanga ngokwaneleyo ukugqithisa kunokuwela kumgaqo-nkqubo we-inshurensi yemoto. I-Surcharges yeengozi zecala-ziso zivame ukudibaniswa nomgaqo-nkqubo womshuwalense wemoto yemoto.