Emva kokufakela ibango le-inshurensi , unethemba lokufumana imali eyaneleyo kwi-inshurensi oye uyihlawula ukufihla indleko yengozi okanye umonakalo - izandi ezilula, ngokwanene? Ewe, inkampani yomshuwalense nayo izama ukulondoloza imali eninzi kwaye ingakhokheli nayiphi na into efunekayo.
Yintoni eyenzeka emva kokuba uFayile
Emva kokuba usugqibile inkqubo yokufaka ibango kunye nenkampani yakho yomshuwalense, isilungiso sebango sisoloko sinikezelwa kwimeko yakho. Lo mntu ungumqeshwa wekampani yomshuwalense, kwaye kunjalo, baya kwenza umsebenzi omningi njengoko kufuneka ukuhlawula ngexesha elithile elifanelekileyo ukuba ibango lakho livumelekile kwaye ayihlawuli nantoni na ukuba . Lo mmeli-mali uya kuhlaziya umgaqo-nkqubo kunye nesivumelwano sakho ukuba ubone oko kuhlanganiswe phantsi kwesi sicwangciso ohlawulelwayo uze uyithelekise ibango lakho. Basenokuqhagamshelana nawe okanye ugqwetha lakho ngeenkcukacha ezithe vetshe kwaye uqinisekise ulwazi oluqulethwe kwi-inshorensi yakho yentsholongwane.
Ukuba kukho ingozi enkulu, i-adjuster ingacela ikopi yemeko yamapolisa, qhagamshelana namangqina adwelisweyo, okanye abuyele kwimeko yesehlakalo. Baya kucela ukuba bacele iifoto zemoto yakho okanye kwezinye iimeko bahlole ukulimala ngokwabo. Yingakho ihlala ilungileyo ukuthabatha iifoto zemoto yakho kunye / okanye enye imoto (ama) echaphazelekayo ekukhazanyeni ngokukhawuleza xa unako emva kokuba kwenzeke.
Ngaba Ndiyifuna Ummeli?
Kuxhomekeke kwiimeko zakho kunye neemeko zakho. Kwibango elilula kunye nokulibaziseka okufutshane, ungase ungadingi ukubonisana negqwetha. Kodwa ukuba unobungozi obunzima okanye inkampani yakho yomshuwalense iyalibazisa ukucubungulwa kwebango, unokufuna ukucinga ngokuthatha ibhunga lezomthetho.
Ukuba unquma ukuba unokufuna igqwetha, kufuneka ubize iqumrhu elithembekileyo lomthetho kwaye uthethe nabo malunga necala lakho. Le fowuni idla ngokukhululeka, kwaye iqumrhu elifanelekileyo liza kukubuza imibuzo malunga necala lakho kwaye likuxelele naziphi na iingxaki ezinzulu ezicinga ukuba ziza kubakho okanye zibaphephe ukuba bathathe ityala lakho. Kanye nje le foni yefowuni yodwa izakukwenza xa ulungelelanise xa utshintsho lwe-inshorensi lubonakala lubuza malunga nemiba efanayo.
Ukuba unobungozi obunzima kwaye uhlasele iindleko ezinkulu zezokwelapha, kunokwenzeka ukuba inkampani yomshuwalense izakuzama ukuphepha ukuhlawula iindleko zonyango lwakho, nokuba ingaba unyanzelekile okanye ingaba yenzeke ingakumbi ukuba ithathe kummeli kule meko. Inkampani ye-inshorensi nayo iya kucela ukuba kufumaneke ukufikelela kwimbali yakho yezonyango ngenzame yokubonisa ukuba sele sele ulimele ngaphambili kwengozi kunye nokufakwa kwebango lakho.
Ukuba inkampani yakho yinshuwalense iyaqhubeka yenza izizathu zokuba kutheni zingakakhokheli emva kokuba wenze ibango, ukufumana igqwetha linganceda.
Ekugqibeleni, xa isilungisi se-inshorensi senze iimeko zakho, ziyakuthi zicebise ixabiso lokuhlala-kwaye xa kukho ukulimala, ukuba ungenayo igqwetha, banokukucela ukuba uyibize inani ozimisele ukuzinzisa . Ngokuqhelekileyo kungcono ukubona ukuba inkampani ikulungele ukunikela kuqala kwaye ixoxisana ukusuka apho. Le ngxoxo ayiqhelekanga ngokubanzi, nangona kunjalo, kwaye kunokuba luncedo ukusebenza nommeli ochaphazelekayo wokulimala.
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Inyaniso engamahlwempu yokufaka ibango le-inshurensi yinyani ukuba uyazibeka phantsi uphando oluvela kwinkampani yomshuwalense kunye ne-insulator yabo. Zinezo zonke izikhuthazo zokufumana ulwazi olungalunganga okanye oluphikisanayo oluya kubangela ukuba bancinci ukuba bahlawule imali yakho.
Baya kujonga ukuba ngaba awuyikufaka ibango ngaphambili-kwaye baya kusebenzisa zonke izixhobo zokusebenza zanamhlanje ukuze baqinisekise ukuba awuthathi nto yokuzikhawuleza kubo.
Ukuba ufake i-inshuwalense ye-$ 10,000 eqinisekisa ukuba waqhekeza i-femur yakho engozini ngoNovemba kodwa uyaphonsa selfie kwiintlambo ze-ski eDisemba, inkampani yomshuwalense iya kukwazi into ethile. Ukongeza kwindlela yokukhwabanisa yomshuwalense kungekho mthethweni, akukho mandla ukubanjwa ukuzama ukunyenga inkampani ngendlela ecacileyo-kwaye kuya kuba nefuthe elibi ebomini bakho. Inkohlakalo yomshuwalense ngokuqhelekileyo ibanjwe - ungazami.
Yenza ibali lakho
Kunzima ukukhumbula zonke iinkcukacha zengozi, kodwa kubalulekile ukuba wenze konke okusemandleni akho ukukhusela imemori yakho kwaye ugcine amaqiniso akho ngqo. Nangona kungenakulungeleka ukunika amabango okuguqula ukurekhoda kwezinto ezenzeke kwindawo yesehlakalo, kunokunceda ukwenza okurekhodiweyo kwezo rekhodi zakho. Kwakhona kubalulekile ukugcina umkhondo kwanoma yimaphi amaxwebhu kunye nolwazi olubalulekileyo oluhamba kunye neengozi, njengomhla, indawo, inkcazelo kunye nekopi yemeko yamapolisa kunye nayiphina imibhalo yonyango. Njengoko kukhankanywe ngaphambili, ingcamango enhle ukuthatha iifoto zesithuthi sakho kunye nasiphi na isithuthi esithintekayo emva kwengozi ukuba unako. Ukuba wena ngokwakho wenzakele, yinto efanelekileyo yokufumana iifoto zento ukuba iyakhona.
Xa Ixesha Lokuhlawula
Inkqubo yokuhlawula umonakalo kunye nelahleko iyaziwa njenge-indemnification. Xa kukho iphoso kunye negalelo eliqingqiweyo, inkampani yomshuwalense iya kuxoxisana nenye inkampani yomshuwalense ukuba iqinisekise ipesenti ekufuneka ihlawule yona, ihlawule iindleko zomonakalo wakho ekunciphiseni imali yakho , okanye ufune inkokhelo kwenye yomshwalense wemoto (oku kuthiwa yi-subrogation ). Ukulungiswa, uya kucelwa ukuba uye kwivenkile yezithuthi ezivunywe yinkampani yakho yinshuwalense. Ukuba awuhlali ujabule nesixa-mali sokunikezelwa kwakho, kucetyiswa ukuba uqhagamshelane nommeli ukuba uxoxe ngeendlela ozikhethayo.
Okukwintsusa
Nangona ukusetyenziswa kwebango le-inshurensi kunokukunceda uzive ngathi unetyala kunokuthanda ukuba ungumntu omdala onoxanduva, khumbula nje ukuba uxhobile ngenyani, uya kufumana imali oyifaneleyo kwaye umgaqo-nkqubo wakho ubandakanya. Hlalani nisenokuhlambalaza kwaye nizibambe ngamaphepha afanelekileyo kunye negqwetha xa kuyimfuneko. Isimo sengqondo esihle asizange sibuhlungu, nokuba.
Uxanduva lwakho lweengozi ezibangelwa ngamasela emoto.