Isikhokelo esiphezulu seNtshurensi yemoto
Kukho imiba emininzi kwintengiso yomshuwalense wemoto, kufuneka kube yimfuneko yeklasi yexesha elide kwisikolo esiphakeme. Phantse wonke umqhubi wase-US ufunwa ngumthetho ukuthenga i-inshuwalense yemoto, kodwa abaninzi abakwaziyo ukuba kusebenza njani. Yintoni efihlayo? Ingaba ibiza malini? Kutheni libiza kakhulu? Ungayifaka njani ibango? Imibuzo yomshuwalense yomshuwalense ininzi engapheliyo. Kubalulekile ukufunda iziseko ezisuka kumthombo onolwazi.
Zisindise ixesha kunye nemali ngokufunda kwi-inshurensi yemoto uze ubuze imibuzo yakho ye-agent kuzo zonke izinto ezihamba phambili.
Iintlobo zoBanzi
Uxanduva : Inkcazo ephezulu kunoma yimuphi umgaqo-nkqubo womshuwalense wemoto ngumthwalo. Inika ukunika ingxelo xa isithuthi esiqinisekisiwe silimaza omnye umntu. I-coverage ivame ukubhalwa kwiphepha lakho lokubhengezwa njenge-25/50/10. Inombolo yokuqala (25) ithetha ukufikelela kuma-25,000 ayi-25 000 ingahlawulwa kumntu oyedwa owenzakele engozini. Inombolo yesibini (50) ithetha ukuya kwii-50,000 zamaRandi ingahlawulwa ngengozi eyonakalisa abantu abaninzi. Inombolo yesithathu (10) ibhekisela kumonakalo wepropati oku kuthetha ukuba u-R10 000 we-coverage unikwa umonakalo owenziwe kwipropati yomntu.
Ukulimala kwePropati : Ukulimala umntu umntu onemoto yakho? Ufuna umonakalo womonakalo wepropati ukuhlawula umonakalo. Umonakalo wepropati ubandakanya kuphela umonakalo kwabanye. Kungaba nantoni na evela kwintlanti ye-turfed kuya kwiimoto ukugcina iilayili okanye ibhokisi leposi. Akuyi kuhlawula xa ukonakalisa ipropati yakho.
I-PIP kunye neMed Pay: Iindidi ezimbini zenkxaso yezokwelapha ziyafumaneka kwamanye amazwe, ngelixa ezinye zinikwe kuphela.
I-PIP, ukukhuselwa kolukhuseleko, kufunwa kwiimeko ezingekho mpazamo. Inika ukukhuselwa okubanzi ngokubanzi kunye nokuhlawulwa kwemali. Kuya kubonelela ngeendleko zonyango, umvuzo olahlekileyo, ukongezelela njengokwinkcenkcesha enqeni ukuba awukwazi ukwenza lo msebenzi ngokwakho.
UMed uhlawula umonakalo wabakhweli beenqwelo. Idla ngokukhawuleza kuma-25,000 e-coverage okanye ngaphantsi. Akunandaba ukuba ngubani ophosakeleyo ukuze ahlawule. Akufanele isetyenziswe njengenguquko yomshuwalense wezempilo kuba iya kuhlawula kuphela ukulimala okwenziwe ngengozi yemoto.
Olupheleleyo (Ngaphandle kweClision): Ngenye yezona zinto zikhethileyo zomshuwalense wemoto.
Ihlala ihlawula ngokwayo. Nayiphi na umonakalo owenziwe kwisithuthi sakho ngaphandle kwe-collision apha. Esinye sezibango eziqhelekileyo ngumonakalo womoya. Ukutshintshwa kwe-windshield kunokufumana ixabiso elibanzi kunye nokubanzi oluza kufumana izitya zakho zizaliswe mahhala. Ukutshintshwa ngokutsha kwiphepha le-windshield kufuna ukuba uhlawule i-deductible yakho kodwa ezinye iinkampani zikuvumela ukuba uthwale i-zero echithwayo nje ngeglasi.
Idibanisa ngokubanzi uluhlu olude lwezinye iintlobo zomonakalo. Izinto ezifana nesichotho, umkhukula, iqhwithi, zonke ziya kugutyungelwa ukuba uthenge ngokupheleleyo. Ukubetha inkunzi, umlilo, ukweba, ukuchithwa kwempahla, kunye nomthi owela kunye nokushaya isithuthi sonke sihlanganiswe phantsi.
Ulungelelwano : Ukudibana xa isithuthi sishukumisa kwaye sihlasela into. Ingaba ibhokisi leposi, umzila wokulinda, esinye isithuthi, okanye nayiphi na into engaphiliyo.
Uncedo lweNdlela : I-perk, kodwa ihlala ifikeleleka. Inokuzihlawula ngokwalo ngokukhawuleza. Ezinye iipolisi zivumela ukufikelela kuphela kwi-tow, ngelixa ezinye zimboza ukukhutshwa, kugxuma kunye nokuphuma kwegesi.
Imoto yokuqeshisa : Ukufikelela kwimoto yokuqasha emva kokuba ibango ibalulekile kubaqhubi abaninzi abangenayo imoto yokugcina. Ezinye izithwala ze-inshurensi zizenzele ngokukhawuleza ukuba zinokubhengezwa ukuba isithuthi sakho sisengozini. Ngaphandle koko, kuya kufuneka udibanise umgaqo-nkqubo kumgaqo-nkqubo wakho.
I-inshurensi ye-Gap : Owe ngaphezu kwezinto ezithuthi zakho? I-inshurensi ye-Gap iya kugubungela umahluko phakathi kwexabiso lesithuthi sakho kunye nento omele uyenze ngayo xa kukho i-loss loss claim. Amathuba okuba nelahleko epheleleyo yengozi ayinakwenzeka kakhulu. Yikuphi okwenza ukuba i-coverage ingabizi.
Deductibles
I-deductible yinani lemali oyihlawulayo ephaketheni emva kwebango ukwenzela ukuba isithuthi sakho silungiswe. Ukuphakanyiswa kwakho okuphezulu, ixabiso eliphantsi kwe-inshurensi yemoto. Izidumbu zigcina i-inshurensi enokuhlawuleka. Izidumbu zivimbela abantu ekubeni bafake amabango ngokulungiswa kweendleko eziphantsi. Kunconywa ukusebenzisa i-inshurensi yemoto ngeendleko ezinkulu kwaye kungekhona kwiidlo ezincinane.
Izinto zokubala
Ubudala: Mhlawumbi sele uyayazi, ubudala buyingxaki.
Umqhubi omtsha uhlawula kakhulu. Abanye abathwali bomshuwalense banciphisa izinga labo njengomqhubi weminyaka. Ubudala beminyaka yobudala be-inshorensi yobudala bomshuwalense bubona ukuba siqala kwiplanethi kwimilinganiselo esekelwe kwiminyaka. Njengomqhubi wexesha elizayo kumanqanaba okuphila, amaxabiso ngokuqhelekileyo aqala ukwanda. Umqhubi oneminyaka engama-75 ubudala unokuhlawulwa iirhafu eziphakamileyo njengomntwana osemtsha.
Iinqwelo: Ewe imoto oqhubayo yenza konke umehluko. Zininzi izithuthi eziza kukhetha kwaye zibekwa ngamnye umlinganiselo ohlukeneyo ngumphathi womshuwalense wemoto. Emva kokuba ukhetha iklasi, isantya asifani. Cinga i-minivans kunye neeSUV kwixabiso elincinci kunye neemoto zezemidlalo ezinobuncwane kunye nemida njengento ebiza kakhulu ukuqinisekisa.
Ingxelo yokuqhuba: Abaqhubi abahamba phambili bafumana amaxabiso angcono. Irekhodi yokuqhuba ecocekileyo yenza umda omkhulu. Ithekithi enye kwiminyaka emithathu inokunyusa kakhulu izinga lakho. Ukuphulwa okukhulu njenge-DUI okanye ukuqhuba ngokungazinyameki ngokuphindaphindiweyo kuhlala kurekhodi yakho iminyaka emihlanu. Iikiti ezininzi ezikhawulezayo zingakufumana umlinganiselo ofanayo kunye nomntu ono-DUI.
Ingxelo ye-Intshurensi: Irekhodi ye-inshorensi ibhekisele kwizinto ezimbalwa ezahlukeneyo. Enye yeyona ntlawulo yomshuwalense wemoto. Xa uthengisa i-inshurensi yemoto uza kulungele umgaqo okhethiweyo ukuba njengamanje unomgaqo-nkqubo womshuwalense wemoto. Ufumana ixabiso elingcono xa uthetha imida ekhethiweyo yemfanelo eyi 100/300 okanye ngaphezulu.
Enye inxalenye yerekhodi yomshuwalense ibhekisele kumangaki amabango afakwe. Ingaba izingozi zisesiphene? Iingozi zengozi ziyakwandisa inqanaba le-inshurensi yemoto. Ukuqhatywa kweengozi kusoloko kudlulileyo iminyaka emithathu. Ukuba ubeka iingozi ezimbini kwixesha eliminyaka emithathu, umphathi womshuwalense wemoto uya kwenzeka ukuba awuyivuselele umgaqo wakho . Yikuphi okukushiya kukukhetha kuphela ukuthenga inshuwalense yemoto ngokusebenzisa inkampani yomshuwalense ophezulu.
Indawo: Apho uhlala khona kwenza ukuba umehluko wenani le-inshurensi yemoto yakho. Izibango ziqwalaselwa ngabathwali bam inshurensi kwaye ukuba uhlala kwindawo ephezulu, kunokubonakaliswa kwintlawulo yomshuwalense wemoto yakho. Ingcaciso yendawo ephezulu yengozi iyahluka. Indawo enobungozi obuphezulu inokuthi zenze iingozi ezininzi zeentlobo okanye ezininzi zobusela okanye ezinye iintlobo zamabango.
Imfundo: Ayisetyenziswa ngokuqhelekileyo njengento yokulinganisa, kodwa abanye abathwali bomshuwalense bayayisebenzisa. Kubonakala ukuba, uphando lubonise abaqhubi abaphakamileyo abafake iifayili ezimbalwa.
I-Credit Score: Phantse wonke urhulumente uvumela abathwali bomshuwalense ukuba basebenzise amanqaku ekhredithi njengento yokulinganisa ekuqaliseni i-premium yomshuwalense wemoto. Iphakamileyo yamanqaku akho ekhredithi, inqanaba le-inshurensi yemoto. Iyakuchukumisa ngokwenene indlela ohlawula ngayo i-inshurensi yemoto. Ukuhlolwa kwekhredithi akuchaphazeli umlinganiselo wakho wekhredithi njengokuvula umgca omtsha wekhredithi. Abathwali be-inshurensi baneenkqubo zabo zokulinganisela ezibala ukuba yeyiphi inqanaba elifanelekayo ukuba lilinganiswe.
Ukuba ukholelwa ukuba amanqaku akho ekhredithi aphuculwe kutshanje, cela isicelo sakho senqwelo yomshuwalense womshurensi ukuba usihlolisise. Ukuba kukho ukuphuculwa okuchaphazela iirhafu zakho, ngokuqhelekileyo ziya kunciphisa isantya sakho ngokukhawuleza. Kuloloko kubalulekile ukujonga ilungu lakho lekhredithi. Ukuphanda indlela yokuphucula umlinganiselo wakho wekhredithi ukuze ufumane amazinga angcono kwimali-mboleko yemoto kunye ne-inshurensi yemoto.
Umnini wekhaya: Unayo ikhaya? Enye yezaphulelo ezona zifumanekayo kwi-inshurensi yemoto yomshuwalense ngumgaqo -nkqubo wokuphuhlisa umgaqo-nkqubo . Ukufumana isaphulelo kufuneka ube nenkqubo engaphezulu kweyunishuwarensi enye kunye nomthumeli omnye we-inshurensi. Isaphulelo esona siphumelelo siya kubaphathi bezindlu kuba baya kulungelelanisa kokubili isaphulelo somgaqo-nkqubo kunye nesaphulelo sezindlu. Kwakhona konke kuya kwiinkalo zenkampani ze-inshorensi zokumisela amabango zifakwe ngaphantsi kweziqhubi ezinekhaya.
Amabango
Ngaba ukulimala kwenzeka kwi sakho sithuthi? Unokuba nebango ezandleni zakho kuxhomekeke kwinto eyenzekayo kunye nantoni na enayo kwi-policy yakho. Akumangalisi ukuba uhlolisise kabini igosa lakho le-inshorensi ukuba ubone ukuba umgaqo-nkqubo wakho ubandakanya umonakalo.
Iingongoma eziPhambili zokuKhumbula ngeeNkcazo zeNqwelo-mali ze-Car
- I-inshurensi yemoto ayifuni ingxaki yokulungisa okanye yokulungisa
- Iimangalo zamatyala zenza i-inshurensi yemoto yakho ikhuphuke
- Lindela ukuhlawula i-deductible
- Uqhagamshelwano kunye nesisombululo samabango lubalulekile
Ubungqina bomshuwalense, iMithetho kaMbuso kunye nezohlwayo
Akukho Mithetho Yombuso WeeNkohlakalo : Akukho mithetho yokuphosakela ingadideka kakhulu kubaqhubi abaninzi. Isihloko nje kuphela asikho nto ephosakeleyo eshukumisa abantu kwisiphetho esingalunganga sento ekubhekiselele kuyo. Akukho mpazamo kuthetha ukuba akukhathazeki ukuba ngubani ophosakeleyo ngengozi, ipolisi yakho ikusibekela. Umgaqo-nkqubo uyakukufihla ukuba uyisiphoso somntu. Umgaqo-nkqubo uyakukufihla ukuba uyisiphoso sakho. Kwaye akukho nto iphosakeleyo isetyenziswe ngokubhekiselele kwingxelo yokugula. Akukho mpazamo edla ngokuba yinto enyanzelisayo yokubambisa i-PIP yomshuwalense. Kuthiwa ukuba akukho nto iphosakeleyo iyancitshitshisa amacala kunye neendleko zonyango zinokunyamekela ngokukhawuleza. Ngoku ukuba uhlala eMichigan, akukho-mpazamo ayibhekiseli kuphela kwiimfuno zayo zokungabonakali kwezokwelapha kodwa kunye nokukhawulelana kwe-collision. Funda kwiMicrosoft yemithetho yomshuwalense yemoto ekhethekileyo ukuba ungumhlali okanye ucinga ukuhamba.
Imithetho kaMasipala waseTort : I- Tort ithi ibambelele kumqhubi wephulo elijongene nemonakalo. Umonakalo wepropati uya kuhlawula xa isithuthi sonakaliswe okanye nayiphi na indawo yepropati efana nebhokisi leposi okanye umzila wokulinda. Umqhubi womntu ongekho mfuneko uya kufaka ukufakela ibango kwi-inshorensi yemoto yomshuwalense wemoto.
Yintoni Ubungqina Bomshuwalense? Ubungqina bomshuwalense wemoto ngumqulu okhethekileyo onikezelwa yinkampani yomshuwalense womshuwalense ochaza imihla yakho yomshuwalense wemoto yomshuwalense iyasebenza. Kuya kuba negama le-insured, kunyaka we-inshorensi yokwenza kunye nemodeli, i-VIN, kunye nemihla esebenzayo yemigaqo edwelisiweyo. Kuya kuba negama lenkampani ye-inshorensi negama le-inshensi ye-inshorensi. Amaninzi amaninzi ngoku ayamkela ubungqina bobugcisa be-inshurensi enikezelwe kumadivayisi eselula. Ukungaphumeleli ukubonisa ubungqina bomshuwalense wemoto kwipolisa okanye kwi-DMV kwaye unokwakheka ukuhlawula iifihla ezininzi kwaye mhlawumbi ulahlekelwe ilayisenisi yakho.
Ukuthenga i-Intshurensi yemoto
Intengiso: Awukwazi ukuyithengisa ngokuthe ngqo kwiqondo le- inshurensi yemoto ukuba kwi-arhente ngalinye ucaphulo oluchaziweyo. Ngamanye amaxesha akakwazi ukudibanisa ngokukhawuleza, kodwa kubalulekile ukuqinisekisa ukuba basondele ngokusemandleni. Fumana ikopi yekhasi lakho lokubhengezwa, uze uyilahle okanye uyi-imeyile kwiinkampani ezahlukeneyo ze-inshorensi. I-arhente inokuzama ukukhawuleza ngokukhawuleza ngokukhawuleza ukukhawuleza kwakho kunye nokubetha ixabiso.
Ixesha elininzi lokuthenga: Ixesha apho uthengela khona i-inshuwalense yemoto ihlukile kuwe. Ukuba unobungane obuhle kunye negosa lakho le-inshorensi kwaye uyabathemba, kungcono ukuba uhlale kwindawo enye. IiRhafu zingahluka ngezinye iinkcukacha nakwi-inshurensi enye kwenye. Ukuthengwa yonke iminyaka emibini ukuya kwimithathu ayinakulimaza. Inzuzo yokuba ne-inshurensi yakho ngeziko lomshuwalense ozimeleyo kukuba xa ufuna ukukhangela izinga eliphantsi, banokubheka nabanye ababoneleli nge-inshurensi ngaphandle kwemfuneko yokutshintsha ii-arhente.
Izaphulelo
Uluhlu olude lwamazaphulelo lunikezwa yi-carrier yomshuwalense wonke. Eyona nto ibandakanya i-multi-car, ipolisi-nkqubo, amanqaku emboleko, kunye neengozi kunye nokuphulwa kwezaphulelo zamahhala. Ixabiso le-inshurensi yemoto engancinci iya kubaqhubi abafumana zonke ezo izaphulelo kunye nokunye. Zama uzame ukugcina zonke iziqinisekiso zakho nge-inshurensi enye. Gcina umlinganiselo wakho wekhredithi ngokuphakamileyo kunokwenzeka. Uze uphephe izingozi kunye nokuphulwa kwezithuthi kuzo zonke iindleko.