Indlela yokufaka ifowuni yeTort

Izimangalo ze-inshurensi yemoto yecala yemoto ziphela kuMichigan . Umqhubi ngamnye waseMichigan ufanele azi ukuba yintoni ibango elincinci lokumangalela elibandakanya . Amanqaku omonakalo omncinci kunye nepropati yithuba lokuphela kwenkxaso-mali linikezelwa ngumgaqo - nkqubo we-inshorensi yeqela lokuphosa kwimeko yaseMichigan. Amadola angamahlanu ama-dollar amaninzi ahlawulwayo ngenxa yebango elincinci. Ukufakela isimangalo se-mini yokumangalela kunokuba nzima kumqhubi oqhelekileyo ongakaze afake ibango ngaphambili. Abanye abantu baqeshe igqwetha ukuba bancede bafake iifowuni zokumangalela. Akuyimfuneko; funda amanyathelo amahlanu abalulekileyo okufakela ibango elincinci elincinci kummandla waseMichigan.

  • 01 Isinyathelo soku-1: Fumana i-At-Fault Information Information

    Hlanganisa i-party-fault party:
    • Igama
    • Inkampani yomshuwalense
    • Agent
    • Inombolo yomgaqo
    • Inombolo yomnxeba
    • Izithuthi ezibandakanyekayo

    Ukuba awunayo yonke inkcazelo yeqela lokuphosa, akukho nto ikwazi ukufaka ifowuni yokumangalela. Ngamanye amaxesha unako ukufumana ulwazi oluvela kwingxelo yamapolisa, kodwa ungathembeli kuphela kwingxelo yamapolisa. Ngokuqhelekileyo, iingxelo azizalwanga ngokupheleleyo kunye nolwazi lokuqhagamshelana kunye nenkcazelo yenkampani yomshuwalense.

    Ngaphandle kolwazi lweqela lokuphosa, awuyi kukwazi ukufaka ibango. EMichigan, ukuba awunayo i-collision coverage kwaye uyabandakanyeka kwi-hit and run, akukho nkonzo ihlinzekwe phantsi komgaqo-nkqubo wakho. Hlola iphepha lakho lokubhengeza okanye ucele i-arhente yakho ukuba yeyiphi inqaku kwi-inshorensi yakho.

  • 02 Isinyathelo 2: Yenza ikopi yeNgxelo yePolisa

    Ingxelo yamapolisa kufuneka icacise ngokucacileyo oko kwenzekayo engozini. Kufuneka kwakhona uluhlu obani na ophosakeleyo. Ukuze ulandele iimfuno zecala lokutyala , kufuneka ube ngaphantsi kwe-50% kwimeko ephosakeleyo. Ukuba ingxelo yamapolisa ichaza ngokucacileyo oku, ukufaka ibango kuya kuba lula kuba akuyi kuba nguye uthe uthethe.

    Iingxelo zamapolisa zihlala zithatha ngaphezu kweveki ukuqhuba. Iingxelo ezininzi zamapolisa ziya kufumaneka, okanye zifunwa ukuba zifikeleleke kwi-Intanethi ngemali. I- arhente yakho inokukunceda ukuba ufumane ingxelo ukuba awukwazi ukufikelela kwekhompyutha, kodwa kufuneka ube noxanduva lomrhumo.

  • 03 Isinyathelo 3: Fumana ukulinganisa

    Ukuze ufake ifowuni, uya kufuna ukuqikelela ukulungiswa. Fumana uqikelelo olulodwa kwivenkile yakho yomzimba ekhethiweyo. Ukuba umonakalo ungaphezu kwe-1000 yamawaka, uya kukhishwa kwi-R1000 umda. Nantoni na ngaphezulu kwexabiso iya kuba yimbopheleleko yakho.
  • 04 Isinyathelo 4: Fumana ikopi yeShishini seNgcaciso se-Intshu

    Uzakufuna ukubonelela ubungqina bomshuwalense kwi nkampani ye-inshorensi yecala. Baya kukhangela iphepha lokuvakalisa . Ikhasi lokubhengezwa alinakuchaza nje kuphela umhla osebenzayo womgaqo-nkqubo kodwa kunye negalelo elidweliswe kwisithuthi ngasinye. Ukufakela ityala lokutshintshwa kweminye kufuneka ube nomgaqo osebenzayo kunye ne-standard / regular deductible kwi-collision okanye kungabikho ukukhawulelana.
  • 05 Isinyathelo 5: Biza uMmeli wakho kwaye Yazisa i-At-Fault Party yeNkampani ye-Inshorensi

    Ukuba ungowona ndawo ekuthiwa uyifake ibango elincinci le-mini, i- inshente ye- inshorensi iyakwenzeka ngokuqinisekileyo. Uninzi lwee-Agent ziza kukunceda ufake ibango ngokubiza inkampani ye-inshorensi yecala. Ekubeni ibango lingahambi ngokwenkqubo yakho yomshuwalense, yile i-arhente ukuba okanye ayizimisele yini ukukunceda ukuba ufake ifowuni kwipolisi yeqela lokuphosa. Kungakhathaliseki okanye ngaphandle kwencedo lomphathi wakho, qhagamshelana ne-inshurensi yeqela le-inshorensi okanye umphathiswa.

    Nika oku kulandelayo:

    • Umhla wengozi.
    • Igama lomcimbi weqela lokuphosa, inamba yomgaqo-nkqubo kunye nesithuthi esithintekayo.
    • Igama lakho, inombolo yomgaqo-nkqubo, kunye nesithuthi esithintekayo.
    • Inkcazo yengozi kunye nekopi yengxelo yamapolisa.
    • Ikopi yoqikelelo lwakho.
    • Ikopi yekhasi lakho lokuvakalisa .

    Xa wena okanye i-arhente yakho ibibizele ibango, kufuneka ubeke konke. Ukufikelela kumatshini wefeksi kunceda ukufumana amaxwebhu kwiinkampani zomshuwalense. Ikhampani iya kufuneka iqinisekise zonke iinkcukacha, ngoko kufuneka ulungiselelwe ukufumana i-$ 500 yakho yokutshekisha kwi-imeyile. Iimangalo zamatyala ezincinane zilula xa uqonda inkqubo.