Kwaye oko kuthetha ukuba uya kufaka amabango ambalwa kunye ne-insurer yakho. Akukho mntu ufuna ukuba engozini, ngokucacileyo, kwaye akukho mntu ufuna ukuhamba ngendlala yenkqubo yamabango.
Kodwa ke unayo. Yinto enye yokungaqiniseki kokuphila. Kukho izinto ezimbalwa ongayenza, nangona kunjalo, ukwenza inkqubo ye-inshuwalense yemoto yenzeke ngokukhawuleza kwaye yenza kube lula ukuyithatha.
KwiNgxelo Yengozi
Enye yezona ndlela ezifanelekileyo zokunyanzela inkqubo yebango lonke liza kuphuma ekuqaleni, kwaye liqala kwindawo yengozi ngokwayo. Ulwazi oluhle ngakumbi kunye nobungqina obuya kuqokelela khona, bhetele. Nantsi into oyifumanayo:
- Iinkcukacha zomntu: Zama ukufumana ulwazi olusisiseko lomntu wonke kummandla. Oko kubandakanya bonke abanye abaqhubi, abagibeli kunye nabameli. Thola amagama abo, iinombolo zefowuni, kunye needilesi zekhaya kunye ne-imeyile. Nantoni na eyenza kube lula ukuyifumana kamva. Ukuba unayo ixesha, thabatha amanqaku malunga nokuba yiyiphi na ingqina elibonayo kwaye livile. Dlulisa yonke le ngcaciso kunye ne- alfinder yakho , kodwa qiniseka ukugcina iikopi.
- Ulwazi lwe-inshurensi: Oku kubaluleke kakhulu. Qinisekisa ukutshintshisisa ulwazi lwe-inshurensi kunye nabaqhubi bazo zonke izithuthi ezichaphazelekayo kwengozi. Mhlawumbi iya kuba yinto yokuqala yokuguqula i-adjuster yakho.
- Imifanekiso: Thatha iqela lezithombe zengozi yengozi. Ukuba unokufumana imifanekiso phambi kokuba iinqwelo zitshintshwe ngaphandle kwendlela, zinkulu, kodwa musa ukudala imeko eyingozi nje ukuba uthabathe. Ngokuqinisekileyo thabatha iifoto zemonakalo kwimoto yakho, zonke ezinye izithuthi ezibandakanyekayo, kunye nantoni na enye. Thatha imifanekiso embalwa yendawo yengozi ngokunjalo. Iimbalo ezimbalwa ezahlukileyo zihlala zi luncedo. Thatha imifanekiso yamaqela achaphazelekayo kunye nawo onke amangqina, ukuba unako. Kwaye, ekugqibeleni, thabatha iifoto zekhadi le-inshuwalense yeqela ngalinye .
- Ukuthotyelwa komthetho: soloko ubiza amapolisa emva kwengozi. Basenokungenako ukuphendula okanye bangakwazi ukuphendula, kodwa kubalulekile ukuba uzame. Xa befika, qiniseka ukufumana amagama amagosa. Baya kuqokelela ulwazi lwabo baze bathathe i-interviews zabo kwingxelo yabo, kwaye bakufundise indlela yokufumana ikopi ingxelo xa ibhaliwe. Bamba kwiiphiciti naziphi na ezikunika zona uze udlulisele iikopi kumlungiseleli wakho.
Qhagamshelana ne-Insurer yakho ASAP
Ndiqinisekile ukuba ulivile ilizwi, "ezininzi iinkoliso zixazululwa kwiiyure ezingama-48 zokuqala emva kwesiganeko." Kungenxa yokuba isenzo solwaphulo-mthetho sihlala sinyanzele kwaye iinkcukacha zisandul 'ingqondo kwiingqina zamangqina. Kufana nohlobo olunjalo ngengozi yemoto. Asikhulumi ngolwaphulo-mthetho apha (ndiyathemba), kodwa le ngcamango isebenza. Ngokukhawuleza uqhagamshelana nomshuwalense wakho, kuya kuba lula ngabo ukuba benze imibuzo abayidingayo ukuze bafumane idatha echanekileyo. Akusiyo ingcinga embi ukuyibiza kummandla wengozi, ukuba kunokwenzeka.
Yibambisane kwaye ikhuthaze
Uninzi lwezengozi ezincinci zilula ukuba i-adjuster yakho isebenze. Uyenzile ngamakhulu amaxesha ngaphezulu. Oko akuthethi ukuba ibango alikwazi ukugcinwa ngumbutho okanye ubungqina obungekhoyo.
Ukuba i-adjuster yakho ikubiza kwaye ishiya umyalezo ukuyibiza umnqanawa, yenza oko ngokukhawuleza xa unako. Ukunxibelelana kakuhle phakathi kwe-insurer kunye nommangali kubalulekile. Ngaphezu koko, kunzima ukukhalaza malunga nokucotha ngokukhawuleza ukuba nguwe obambelele.
Nyaniseka
Lo mgaqo ubonakala ubonakala, kodwa akusiyo wonke umntu owalandela. Kubantu ukufuna ukuphepha intlungu, kwaye ukuvuma ukuba unetyala ngenxa yengozi ingaba buhlungu kakhulu. Kodwa ukuba unetyala, ungazami ukuphuma kulo ngokulala. Okokuqala, abaguquleli be-inshorensi banamava amaninzi ngeengozi kunye nama-fibbers.
Bayikulungele ukucinga oko kwenzeka ngokwenene kwaye oku kunokuba kungalungile kuwe ukuba ungaphantsi kokuza kunye namaqiniso. Ukhumbule "Isibonelelo EsiBini"?
Inkohlakalo yomshuwalense iyaxhamla kwaye ingakuhlawula imali eninzi ngaphezu kwenyuka kwenyusomali oyifunayo ngokuvuma iphoso.
Yaye ukuba uthe wafuna isigqibo esiphuthumayo kwinkqubo yamabango, ukungathembeki kuya kuphuculwa, kwaye ngamanye amaxesha kuyifake ukuphazamiseka.
Iingcebiso ezingakumbi zeNqabana zeMoto
Okokuqala, amaninzi amazwe anezikhokelo ezilawulayo malunga nokuba umgcini-inshurensi ufanele ukuvuma njani ibango lakho kwaye uyavuma okanye uyayiphika. Okwesibini, abaguquleli abaninzi banako kwaye bayavuya ngakumbi xa bekwazi ukuzalisa ibango baze bahlule enye ifayile kwiidiski zabo. Ndikholelwe, bayazi ukuba kuninzi okuzayo. Ngoko, makube luncedo njengoko kunokwenzeka kwaye kufuneka uhambe ngokukhawuleza ukuhamba ibango lakho.