Isikhokelo esiphezulu soTyhuseli
Ukuthenga isithuthuthu kuyiphupha elingunaphakade kubantu abaninzi: into engayithandi ngokuhamba ngokukhawuleza kunye nokukhawuleza okuya kubakho umona wabahlobo nabamelwane abaninzi? Ngaphambi kokubeka ierubha kwindlela, okanye intloko ukuya kumthengisi, kubalulekile ukuqwalasela inkalo enye engaphantsi kwe-sexy yobunikazi bezithuthuthu: i-motyhuse yomshuwalense.
Ngaba Ndifuna Umshuwalense Wee-Motorcycle?
Ukuba usuvele ujonge kwi- motorcycle finance kwaye unqwenele ukuba ungathanda ukuba ngowakho, mhlawumbi akuyikumangalisa ukuba kuya kufuneka ukuba uthenge i-inshuwalense ye-motorcycle.
Kodwa inokumangalisa ukuba ezine zichaza - iFlorida, i-Montana, i-New Hampshire kunye neWashington-ngokwenene ayifuni imoto yomshuwalense. Njengoko kunjalo, i-New Hampshire ayifuni imfuno yomshuwalense wemoto!
Kodwa oko akuthethi ukuba awufanele ukuyithenga. Ukuzikhusela kwimonakalo eyingozi kunye neemfazwe zomthetho kuya kunika ukhuseleko lwezezimali noxolo lwengqondo. Ngaphandle kwezi ezine zithi azidingi i-inshorensi, urhulumente ngokuqhelekileyo ufuna ubungqina bokuba utyalo-mali kwisigqibo sakho kunye nokukhuselwa kwimiphumo emibi yokuqhuba isithuthuthu. UFlorida, umzekelo, ufuna ubuncinane ubuncinane be-$ 10,000 kwizibonelelo zonyango, ezinokuvela kwi-inshorensi yempilo. Kwaye ukuba awuzange uyihlawule ngesithuthuthu sakho ngokuqinisekileyo, unokuqiniseka ukuba isikhungo semali esenzayo siya kufuna ukuba ube ne-inshorensi.
Ngakolunye uhlangothi, abanye bathi akudingi nje ukufuna i-inshurensi yomshuwalense wezithuthuthu, kodwa kufuneke ukuba abahamba ngee-motorcyclists bafumane ukukhutshwa kwee-motorist uninsured.
Olu hlobo lokukhusela lukhusela ukuba uhlawule ngengozi ebangelwa omnye umgibeli ukuba omnye umkhwele akanalo ukukhawuleza (okanye unako ukufikelela ngokukhawuleza). Kungakhathaliseki ukuba kuyimfuneko, kudla ukuhamba ngokukhawuleza ukukhusela olu hlobo lokubhengezwa - kungenjalo, unokubethwa ngeendleko ezingalindelekanga ukuba usengozini, nokuba ungenayo iphoso.
Njengokuba naluphi na uhlobo lomgaqo-nkqubo womshuwalense, kubalulekile ukwenza uphando lwakho kwaye uthengise ngeenxa zonke ukuze ufumane i-best deal on insurance insurance.
Luhlobo luni le-inshurensi endiyidingayo?
Kanye nje nge- inshurensi yomshuwalense , ubuncinci obuncinci obufunekayo bhorensi yintlawulo yomshuwalense, oza kubhalela nayiphi na umonakalo sakho isithuthuthu esikwenzayo xa kwenzeka ingozi xa unetyala.
Ukuba usengozini, le nkcazo ngokuqhelekileyo ayinelanga ngokwaneleyo - ingakumbi ukuba usengozini apho ungenazo iphoso. Umshuwalense ophantsi we-inshorensi yobuncinane uya kuba nelanele xa uthe wagwetshwa ngengozi, kwaye elinye iqela lingafika emva kweempahla zakho. Inyhuwalense yemfanelo nayo ayiyi kukhusela ibhayisikili ngokulwa nobusela okanye umonakalo kwizizathu zendalo, njengomoya oqinileyo, imvula, okanye isichotho. Abaphambukeli ngaphandle kwenu abahlala behlanganiswa phantsi kwe-inshorensi yobuncinane besikhorensi kwaye unokufuna ukuthenga i-coverenger responsibility in some states.
Njenga-inshuwalense yemoto, uhlobo lwe-inshorensi oyifunayo ngokuyimfuneko luya kuba ngumlinganiselo phakathi kweendleko kunye nezibonelelo ezinokwenzeka-ngamanye amagama, ziya kubonelela ngokukhawuleza ngexesha lenza ingqondo ngemali.
Ndiya kuhlawula phi i-inshurensi yamathuthuthu?
Njengoko kunjalo nawuphi na uhlobo lomshuwalense, impendulo yile: kuxhomekeke. Ukuba sele usu-inshuwalense yemoto, ngokuqinisekileyo umele ukhangele ne-inshente yakho yomshuwalense, njengoko unokufumana isaphulelo sokusebenzisa umniki-nkonzo omnye.
Kufuneka uphinde uphando ngemigaqo-nkqubo eyahlukeneyo evela kubaboneleli abahloniphekileyo kwaye uthethe nabanye abanikazi bezithuthuthu. Kodwa umgca wukuthi ubuninzi obuya kuhlawula buxhomekeke kwimiba engakanani umngcipheko wena kunye nebhayisikili yakho yinkampani ye-inshorensi kunye nendlela enokuthenga ngayo.
Izinto zakho zobungozi ziza kuba nefuthe elikhulu malunga nokuba uza kuphelisa njani ukuhlawula i-inshuwalense ye-motorcycle . Ukuba uhlala kwindawo yasemaphandleni, i-inshurensi yakho iya kuba yindleko engaphantsi kunokuba uhlala kwindawo edolophini. Ukuba uye waba neengozi ezininzi okanye unamathikithi amaninzi, i-inshurensi yakho iya kuhlawula ngaphezulu. Ukuba unobutsha kakhulu (ngaphantsi kwama-25) okanye ubudala (ngaphezulu kwama-50), uya kuhlawulwa ngaphezulu. Ngokufanayo, ukuba unakho u-inshuwalense yakho ikhanseliwe okanye vumela umgaqo-nkqubo wakho uphele. Iinkampani ezininzi ze-inshorensi zinika ixabiso elincinci kwi-inshurensi ye-motorcycle kulabo bathengi abathembekileyo abanomnye uhlobo lwe-inshorensi kunye nabo iminyaka emininzi.
Uhlobo lwelayisenisi yesithuthuthu oya kuba nalo luya kuba nefuthe kwiindleko zokukhawuleza.
Ukuphucula ilayisenisi yakho, ngaphantsi kwakho uya kuhlawula. Umzekelo, ukuba unayo ilayisenisi yomfundi okanye ephumelele, uya kuhlawula ngaphezu kokuba unayo ilayisenisi epheleleyo iminyaka emininzi.
Njenga-inshuwalense yemoto, akuyona nje indlela eyingozi ngayo njengomqhubi ochaphazelekayo. Okwenyani ukuba u-insured akukhona nje wena njengomntu, kodwa nesithuthuthu sakho. Ixabiso, ukwenza, imodeli, kunye nobukhulu bomnxeba yonke into ekhoyo kwiindleko ze-premium; ibhayisikili ehamba phambili ingaba mnandi ukukhwela kwaye ibonise, kodwa kuya kuba ngumcebisi wokuqinisekisa. Indlela ogcina ngayo ibhayisikili yakho kunye nalapho uhlala khona kuya kubangela ukuba ingakanani inkampani yakho yomshuwalense iya kuhlawula. Ngokuqhelekileyo, iibhayisikili ezineenjini ezincinci kunye ne-horse ephantsi, ama-bikes asekudala, kunye neebhayisikili zokuhamba ngeebhayisikili zibiza imali encinci ukuba ziqiniseke ngaphezu kweebhasiki kunye neenjini ezinkulu ezinkulu zeehashe, amabhayisiksi amatsha, amabhayisikili kunye neebhasi. Iibhayisikili zaseJapan eziqhelekileyo zihlala zibiza imali encinci ukuba ziqiniseke ngaphezu kwe-Harley-Davidsons kunye ne-BMWs.
Ngokuqinisekileyo, ubuninzi kunye nokuba luhlobo luni lokuthengwa luya kudlala indima enkulu ekuqaliseni iindleko zomgaqo-nkqubo wakho.
Izinketho zoLuntu
Ngaphandle kwendleko yokubambisa ubuncinane, unezinyathelo ezininzi ze-inshorensi - zifana neendlela eziqhelekileyo ze-auto yomshuwalense.
Ingxelo epheleleyo iya kugubungela "izenzo zikaThixo" ezifana nesimo sezulu okanye umonakalo wezilwanyana, okanye xa kwenzeka ukuba.
Inkampani yomshuwalense wokulwa , njengokuba igama lichaza, liya kukukhusela kwimeko apho ulala kunye nesithuthuthu kunye nephulo labo.
Ukukhuselwa kolukhuseleko, okanye i-PIP, iya kuphazamiseka nakweyiphi na imibutho echaphazelekayo kwengozi kungakhathaliseki ukuba ubani ophosakeleyo. Le nkcazo ayifumaneki kuwo wonke urhulumente kuba abahamba ngee-motorcyclists, ngokubanzi, bayindawo ephezulu yobungozi.
Uncedo luya kugubungela iindleko zokufumana wena kunye nebhayisikili yakho ukuya kwigaraji ukwenzela ukuba ulungiswe xa kwenzeka. Kulo mgca ofanayo, ukukhutshwa kokukhazamiseka kohambo kuya kuhlawula iindleko ezongezelelweyo ezifana nokufakwa kunye nokutya ukuba ibhayisikili yakho iyenzeka engozini ngexesha lokuhamba kude nekhaya.
Inkampani nganye ye-inshorensi iya kuba neyokufa kweenkcukacha zokuncedisa ezongezelelweyo njengenxalenye yemigaqo-nkqubo yokuhamba ngee-motorcycle. Hlola nomboneleli wakho we-inshorensi kunye nabanye abagibeli ukuxoxa ngazo zonke iinketho ezikhoyo kuwe.
Khusela Iingxenye Zakho!
Ukuba uchithe imali kwibhayisikili yesiko, amathuba ukuba utyalomali kakhulu kwisithuthuthu sakho ngokwabo nangokomzwelo, kunye nezezimali. Oku kwenza ukuba kubandakanyeke kwiindawo eziqhelekileyo kunye nezixhobo zonke ezibaluleke ngakumbi. Unako ukuthenga ukufikelela kuma-30,000 engama-engama-standard engxenyeni, kuquka ii-sidecars kunye neendlela zokuhamba kunye nezongezelelweyo ezifana neenkqubo ze-stereo kunye nokuphucula isiko.
Izindlela zokuSindisa kwi-inshurensi ye-Motorcycle
Kukho iindlela ezininzi zokulondoloza kwiindleko zomshuwalense we-motorcycle ngaphandle kokugxila kwi-coverage. Tshela umboneleli wakho we-inshorensi ukuba ubeka ibhayisikili yakho ngaphakathi kwegaraji ekhethiweyo, okanye ufake i-alamu, njengoko le nyathelo ingathetha iindleko zomshuwalense phantsi. Ukongezelela, ikhosi yezokhuseleko yithuthuthu yindlela enkulu yokugcina imali kunye nokuqinisekisa ukuba ulungele ukuqhuba ibhayisikili yakho ngokuphepha. Ukuthatha inkambo enjalo kunokukunceda ukuba ugweme izingozi ezibi. Ukuhlambulula irekhodi lakho lokuqhuba, ngokubanzi, kuya kunciphisa iindleko zakho.
Ngaba uhlala kwindawo apho ilala khona ngexesha lobusika obude? Ukuba kunjalo, umgaqo-nkqubo ungabancedisa ukunciphisa iindleko zakho ngokubonelela ngeentlawulo eziphantsi (kunye negalelo) ngeenyanga apho awuyi kukhwela ibhayisikili yakho nanini.