Indlela yokufakela iBango lokuLawulwa kwePropati

Iimangalo zomonakalo wepropati azizange zijabulise nabani na. Umqhubi ophosakeleyo uhlala ehlazeka kwaye ushiywe uvakalelwa. Okwangoku, umnini wepropati eyonakalisiweyo kufuneka abhekane nokulahlekelwa ukulungiswa kwepropati. Ukwazi inkqubo yokufaka isicelo somonakalo wepropati nenkampani ye-inshorensi iya kwenza inkqubo ibe lula kubo bobabini abachaphazelekayo. Ngokuphawulekayo, inkqubo yokufakela umonakalo wempembelelo yepropati ishintsho ngokuxhomekeke ekubeni ngubani ophosakeleyo.

Inqubo yeBango leTeyile

Iingozi zenzeka. Ukufumana iimpazamo zakho akusoloko kulula, kodwa kubaluleke kakhulu, kwaye kuya kwenza inkqubo yokufaka ibango lula wonke umntu. Ukuba unonakele kwipropati yomntu, ngoko kufike kuwe ukuba uthathe amanyathelo afanelekileyo ukwazisa umnikazi wepropati. Ukushiya inqaku kwisikhwama se-wind for the owner to find it can turn the situation frustrating for them in bearable one. Khawucinge nje ukuba imeko iya kutshintshwa kunye nokukhungatheka okubangelwa ngumntu obangela umonakalo kwipropati yakhe kungekho mntu ovuma uxanduva. Nangona unakho ukuhlawula ngaphezulu kwiimali-mboleko ze-inshorensi ezizayo, kuyafaneleka ukuba unembeza ocacileyo, kwaye ufanelekile.

Ukuba ukonakalise ipropati yomnye umntu, yilokho okufuneka ukwenze:

1. Shiya ulwazi lwakho lomgaqo-nkqubo kumnini wepropati eyonakalisiweyo. Oku kubalulekile. Shiya igama lakho, inkampani yomshuwalense, inombolo yomgaqo-nkqubo, i-inshorensi kunye neenombolo zoqhagamshelwano. Ukubonisa ixesha elifanelekileyo lokufikelela kuwe luncedo, nangona ukonakalisile ipropati yomntu utsha nje, kufuneka uqaphele ukuba ukhangele ifowuni engenayo ukusuka kumanani angaziwa.

1. Ukuqokelela ulwazi lomnini wepropati eyonakalisiweyo. Ukuba kunokwenzeka, kufuneka uqokelele igama labo, inombolo yefowuni, kunye nenkcazo yepropati ewonakalisiweyo. Ukuba azingezangeenxa zonke, gcwalisa inamba yenyathelo elinye kwaye ubatshele ukuba bafikelele.
2. Ukuba kunokwenzeka, thabatha isithombe okanye iifoto zomonakalo. Iifoto azikho imfuno, kodwa ngokuqinisekileyo zinokunceda ukuxazulula ingxabano xa kuvela omnye.

1. Yazisa ummeli wakho we- inshorensi yesibango. Umonakalo kwisithuthi sakho unokuxelwa kwaye uyanyamekelwa ngokukhawuleza ngokuxhomekeke kwi-coverage yakho. Ukuqhagamshelana nomnini wepropati eyonakalisiweyo kuyakufuneka kwenziwe ngaphambi kokuba nayiphi na into inokuhlawulwa ngayo umonakalo wepropati.
2. Ukulungiswa kwesithuthi sakho kugqitywe ngumsebenzi owukhethile kwi-inshurensi yemoto yomshuwalense. Uya kuhlawulwa ukuba uhlawule imali yakho yokulungiswa kwisithuthi sakho, nangona kunjalo, kuyinto engabonakaliyo xa kufuneka kulungiswe ipropati enye.
3. Ukufakela ingozi yengozi yeyona nto ihlala ichaphazela kakubi ixabiso le-inshurensi yakho. Isilinganiso sakho siya kugqitywa kwakhona ekuhlaziyweni kwakho okulandelayo. Lindela ukubona ukongeza ngaphandle kokuba uthenge (okanye umgaqo-nkqubo uya nazo) ukuxolelwa kwengozi ngaphambi komhla wengozi.

Ipropati yakho yayonakaliswe

Ukufumana ipropati yakho kwonakaliswe yisithuthi kuhlale kuphazamisekile. Ukujongana neenkampani zomshuwalense kwaye ungenazo izithuthi zakho ngelixa zisesitokisini ukulungiswa yintlekele esekelwe ukuba igwenywe. Umonakalo wepropati ibangelwa enye yeendlela ezimbini xa ipropati yakho yonakaliswe.

1. UYAZI ukuba ubani owonakalise ipropati yakho.

• Fumana ulwazi lwe-inshorensi yesithuthi esonakalisa umonakalo kwipropati yakho. Igama lomqhubi, umthengisi we-inshurensi, inombolo yomgaqo-nkqubo, inombolo yenqubomgomo yomshuwalense, umhla, ixesha, indawo, kunye nenkcazo yento eyenzekayo yonke into ebalulekileyo ukuqokelela.

• Biza umnxeba wakho we-inshurensi ukuba uncede. Uninzi lwama- inshorensi lonwabile ukukunceda ufake isicelo somonakalo wepropati ngenqubomgomo yomshuwalense weenqwelo-mali. Ukuba awunayo i-arhente okanye ungenalo inhlanhla ufumana uncedo, khangela i-inshorensi yomqhubi we-inshorensi kwaye ufumane inombolo yefowuni ye-claim free. Ummeli wenkonzo yomthengi uya kukuhamba ngenkqubo.
• Ngokude nje ukuba umqhubi we-fault-fault avume ukudala umonakalo, awuyi kuba neyiphi imali ekhoyo. Akukho ductible iya kusebenza kwaye imoto yokuqashisa idla ngokubandakanya xa isithuthi sakho sisetyenziselwa ukulungiswa.

2. AWAZI ukuba ngubani owonakele kwipropati yakho.

• Ngaphandle kokungazi ukuba ngubani owonakalisa umonakalo, unokuba ukhangele ezinye kwiindleko zesikhwama okanye uninzi olungenalo nkonzo.
• Uzakufuna ukukhawulelana ngokubambisana kwipolisi yakho yomshuwalense ukwenzela ukulungisa imoto yakho eyonakalisiweyo, nokuba ngaba kubangelwa omnye umqhubi. I-deductible yakho iya kusebenza kwiimeko ezininzi, nangona abahlali baseMichigan bengayifumana ngokuxhomekeke ekubeni ngaba baye bakhetha ukudibanisa okubanzi .

• Ukuba umonakalo wepropati lwenzeka kwikhaya lakho ngesithuthi, umgaqo-nkqubo womnini-mhlaba uza kubhalela umonakalo osusayo.

Amangalo omonakalo wepropati anokuba neenguqu ezininzi kwiimeko zonke. Ukulandela umqhubi-ntlawulo kubonakala kukuhle nokuba i-hit and run accidents occur many times. Ukuba unenkathazo yokufaka ibango, cela uncedo kummeli wakho womshuwalense okanye ummeli wenkonzo yamakhasimende.