Oko Ukwenza Xa Umntu Omncoma Imoto Yakho
Imirhumo yeemoto ayinakuphathwa ngokufanayo xa ifika kwi-inshurensi yemoto; ezininzi zeenguqu ziza kudlala. Uhlobo luni lwe- inshuwalense yemoto ukhangele ukuba unokwenziwa kwisithuthi sakho?
Isithuthi Senu Sifumanwe Njani?
Isizathu esivelayo sokuqala senza umehluko omkhulu xa kuziwa ukuba ngaba umphathi wakho womshuwalense wemoto uya kuhlawula ukulungisa umonakalo. Izikratshi ezibangelwa ziinkalo ezahlukeneyo zihlanganiswe ngeentlobo ezahlukeneyo zokukhawulelana-kunye nezinye iintlobo zomonakalo, ukuba unalo uhlobo oluthile lokubhengezwa, uvele nje ngenhlanhla. Ukwazi ukuba yintoni eyenza umonakalo ke, isinyathelo sokuqala sokufumana ibango le- inshorensi .
Imiqwenga ehlanganiswe nguNgcaciso oPhezulu
Ukuba unesiqalo esibangelwe ngongoma obanzi, kufuneka udweliswe kwizithuthi ezimele ukwenzela ukuba inkampani yakho ye-inshorensi ihlawule ukulungisa umonakalo.
• Imoto yakho yayisetyenziswe kwisenzo sokuchitheka .
• Isebe lomthi lawela kwisithuthi sakho .
• Inqwelo yokuthenga iqhutyelwa ngumoya idibana nemoto yakho.
Unokuthi uya kuba ne- deductible kwi-coverage yakho epheleleyo, kwaye kufuneka uhlawule umrhumo we-deductible ngaphambi kokuba u-inshorensi ukhawulwe kwaye uhlawule iindleko zokufakela imoto yakho.
I-inshurensi yemoto yomshuwalense ngokubanzi ifuna ukuba ingxelo yepolisa.
Umzekelo: Iloli likaJohane lalixatywe ngokugqithiseleyo kulo lonke icala lomqhubi wesithuthi. Isithuthi sasiqhenywe ngenyameko ngokusekelwe kwiimpawu zokungaqhelekanga kunye nobunzima bemigizo. UJohn ufayile ingxelo yepolisa.
Emva koko ufake iifowuni kunye ne- inshurensi yakhe ngoba wayeneenkcukacha ezipheleleyo ezibhalwe kwiloli yakhe. I-deductible yakhe i $ 100. UJohn unembopheleleko yokuhlawula imali yakhe eyi-100 eyi-deductible, kwaye umgaqo-nkqubo we-inshurensi yemoto uya kuhlawula iindleko ezisele zokulungisa umonakalo.
Imiqwenga ehlanganiswe nguMyinge wokuBambisana
Ukukhawulelana ngokubambisana kuyadingeka ukukhangela xa kuqalwa ukukhangela enye into. Kulula ukucinga kakubi umgama ukusuka kwinto engaphiliyo xa usesimweni esicacileyo. Ngamanye amaxesha ukukhishwa kungenakukhunjulwa. Ukukhangela okuxhatshazelanayo kuya kuza kunye nokuxothwa ngaphandle kokuba umntu ngaphandle komntu oqhuba isithuthi sakho kubangele umonakalo.
• Ukukhawuleza ngento engaphiliyo, njengebhokisi leposi okanye ipolisi
• Umnyango wemoto ulahla imoto yakho kwindawo yokupaka
• Ukukhupha esinye isithuthi
• Ncitshiswe ekuhlambiseni imoto
• Ukucima amagatsha emithi ngexesha lokuqhuba
Umzekelo: Ukuqhuba umgwaqo omkhulu isithuthi sidibanisa kwisitya sikaJohane kwaye sithintela icala lomgibeli. UJohn uyakwazi ukulawula isithuthi sakhe, kwaye bobabini badonsa kwisikhululo segesi esiseduze. UJohn ufumana ulwazi lwe-inshorensi yomqhubi we-fault-fault kwaye uyakwazi ukufaka ibango kumgaqo-inshorensi yomqhubi we-inshorensi.
Abaqhubi baseMichigan banemiqathango eyahlukileyo yemigaqo.
Kuthiwani Ukuba Andiyazi Njani Imoto Yami Yanyanyisiwe?
Ukungazi ukuba isithuthi sakho sanyanzelwanga sinokuba yingxaki. Unako ukufaka ifowuni kwaye uxoxe ngale meko kunye nesisombululo sokwenza isicelo. Abaguquleli bamabango babona umonakalo omkhulu abanokukwazi ukufumana ingcamango efanelekileyo yintoni eyabangela umonakalo nje ngokukhangela imijelo. Iziqhenqa ezininzi zibangelwa ukudibana. Kuya kuphakanyiswa kwisithintelo sokumangalela indlela yokuqhuba.
Ukuqwalasela ukwenza ukulungiswa ngokwakho? Hlola amathiphu okuPhakamisa kweMoto ye-10 Mechanic Repair.
Imiqwenga ingaba nobukhulu kunye neendleko zokulungisa. Fumana uqikelelo kwivenkile yomzimba ukuqinisekisa ukuba lungakanani ulungiso oluya kuba neendleko. Gcina uchithekile engqondweni xa usenza isigqibo sokuba i-scratch iyakuvumela i-inshurensi yomshuwalense wemoto. Ngamanye amaxesha ungcono ukulungisa umonakalo kwaye ungafaki ibango kuzo zonke .
Nangona ekugqibeleni ekukhethiweyo kwakho, khangela uncedo lwegosa yomshuwalense elayisenisi onokukukhokela ekubeni ubheka ibango elifanelekileyo kwiimeko zakho.