I-Gap okanye iMali-mboleko / iMali yokuHlawuleka, ophi na onelungelo kuwe?
Ikhefu yexesha ukuthenga uMyinge
I- inshurensi ye-gap yangempela kufuneka kuthengwe ngaphakathi kwexesha elifutshane kakhulu, ngokuqhelekileyo kungakapheli iintsuku ezingama-30 zokuthenga kwakho. Kuvunyelwe kuphela kwixesha elingazange libizwe ngaphambili. Ezi zithintelo zingenza kube nzima kwabanye abathengi. Isigqibo kufuneka senziwe ngokukhawuleza ngoko kunokwenzeka ukuba ungalimazi ngaphandle kwexesha elikhethiweyo.
Ingxowa-mboleko / yokuqeshisa ukuhlawulwa kwemali iyatholakala ukuthengwa nanini na. Ukuba awukufumani malunga negalelo kuze kube ngumhlobo ozisa kule ngqalelo emva kweenyanga emva kokuthenga kwakho okokuqala, uya kukwazi ukufaka umvuzo wemali-mboleko kumgaqo wakho. Ukunyaniseka kuseloko kuyinto entle xa kuziwa kwi-inshurensi.
Ingakanani Umthombo Owudingayo
I-inshurensi ye-Gap iquka ulwahlulo oluphakathi kwezinto omele uyenze kwizithuthi kunye ne-ACV ye-settlement yakho yesigqibo. Uninzi lwezihlandlo, kunye ne- deductible yakho ifakwe xa uthenge i-inshurensi ye-gap.
Ukungabikho komda kwi-coverage kukunika umgangatho okhuselekileyo wokhuseleko kuba awufanele ukhathazeke malunga negalelo elifutshane.
Imali-mboleko / imali yokuqeshisa ngokuqhelekileyo ibandakanya kuphela iipesenti ezingama-25 ze-ACV yesithuthi sakho. Ngokomzekelo, ukuba isithuthi sakho sine-ACV yee-20,000 zamaRandi, ubuninzi bemali yokuboleka / yokuqeshisa imali yokuhlawula iza kuhlawula i-$ 5,000.
Kwakhona, ngemali yokubolekwa kwemali mboleko / yokuqeshisa i-deductible yakho isetyenziswa ngokuqhelekileyo. Zomibini zale migaqo zinokukushiya nge-expense yeefowuni kwimeko yokulahleka ngokupheleleyo.
Qinisekisa ukuba ubuninzi be-shortfall oya kuba nayo ukuba ubhekane nebango lokulahlekelwa lilonke namhlanje. Thelekisa into enetyala lexabiso likaKelly Blue Book. Ixesha elininzi, ukukhutshwa kwepesenteji ezingama-25 ezinikezelwa ngemali mboleko / yokuqeshiswa kwemali kuninzi.
Iindleko zoPhuculo
Uya kufumana i-inshurensi ye-gap kunye ne-loan / rental lease benefit. Umngcipheko kwenkampani yomshuwalense ithatha le ngxelo ingancinci. I-inshurensi ye-Gap kunye nemboleko / ukuqeshisa ukuhlawulwa kuphela ukuhlawulwa kwimeko yokulahlekelwa ngokupheleleyo. Ixesha elininzi, isithuba phakathi kwento omele uyenze kunye neyiphi i-ACV yesithuthi, asifani kakhulu. Zombini izizathu zenza le ngxelo ibe nexabiso elifanelekileyo. Ukufumana iindleko zokugcina ze-coverage, uya kufuneka ufumane amanqaku amaninzi .
Ukufumaneka
I-inshurensi ye-Gap ixhaphake kakhulu kune-loan / rental rental benefit. Abaninzi bemali-mboleko banikezela i- inshurensi ye-gap ngexesha lokuthenga kwaye izivumelwano ezininzi zokuqeshisa ngokuzenzekelayo zibandakanya i-inshurensi ye-gap. Iinkampani ezininzi ze- inshorensi zinika inshurensi ye-gap kunye nemali-mboleko / yokuqeshisa.
Imali-mboleko / ukuhlawulwa kwemali ifikeleleka kwiimoto ezisetyenzisiweyo kuba i-gap ayinakunikezelwa kwizithuthi ezisetyenziswayo.
Qaphela xa ubona i-mboleko yemali-mboleko / yokuqeshisa ukuhlawulwa kwemali kuba ngezinye iindawo zibhekisela kwi-inshurensi yangempela ye-gap. Hlola nomphathi wakho ukuba ufumane isigxina esinikeziweyo. Ukuba umboleko / ukuqeshiswa kwemali yenkxaso yinto enomdla ngokwenene, I-Progressive inikezela ngemali mboleko / yokuqeshisa ukuhlawulwa kwemali kodwa ayiniki igalelo le-gap . Kwakhona, jonga inkampani yakho yezemali ukuba ubone ukuba umvuzo-mboleko uyayifumana.
Yazi zakho iinketho, ukuba uqaphela kamva kwimali-mboleko yakho ukuba uphelelwe phantsi, kufuneka ukhangele imali yokubolekisa / yokuqeshisa imali. Ukuba ufuna ukuhlawulwa ngokupheleleyo kwezithuthi zakho ngaphandle kokukhathazeka nge-deductible okanye nayiphina iindleko zeefowuni ; i-inshurensi ye-gap yenene ukuba yiyiphi into oyifunayo. Zomibini iinkcazo ziyakhusela ukhuseleko lwakho lwexesha elizayo.
Akukho mntu ufuna ukubanjelwa phezulu kwi-mboleko yemoto. Yenza konke okusemandleni akho ukucwangcisa phambili ukuthengwa kwemoto yakho ukukhawulela okanye ukunciphisa ngokupheleleyo imfuno yakho ye-inshurensi ye-gap .
Kwezinye iimeko, akunakukhunjulwa njengokuqeshisa imoto okanye ingxaki yokugqibela yemali kunye neengxaki zemoto. Uthutho luyimfuneko kubantu abaninzi baseMerika. Ukuba ufumana phantsi kwamanzi kwimboleko yemoto, qiniseka ukuba uthathe amanyathelo okulondoloza ngokufanelekileyo ngenye indlela ye-inshurensi ye-gap.