Kuya kufuneka ukuba ucinge ngokuthenga i-inshuwalense ye-motorcycle-eqinisweni, kwiindawo ezininzi, unokufuneka ukuba wenze njalo. Kodwa ngaphambi kokuba wenze, kuhlawulelwa ukulungiswa.
Unjani uhlobo lwe-inshorensi oyifunayo ngokwenene? Yintoni enquma ukuba uza kuhlawula phi? Yaye uhamba njani ngokufumana ibhonki yakho engcono?
Iingcaphuno zokuphonononga ezivela kubathwali abaninzi
Kanye njengomshwalense wemoto, intlawulo oya kuhlawula ngayo kwiiprayimari kwi-inshurensi ye-motorcycle isekelwe kwiimeko ezahlukeneyo-ezinye ziphuma ekulawuleni kwakho kwaye zilawulwa kalula. Ukuba ngoku uqinisekisa enye imoto, mhlawumbi uyazi ukuba unobungozi kangakanani usekelwe kwindlela ama-premium akho adibana ngayo nomqhubi oqhelekileyo kwimeko yakho.
Kwaye njengoko nje nge-inshuwalense yemoto, iipresimesi zomshuwalense we-motorcycle ziya kuba ziphakamileyo kakhulu xa uqinisekisa i-Ducati kunokuba uqinisekisa i-moped. Kuya kuba yinto encinci ukuba uqhube isithuthuthu sakho kanye emva kwexesha ukuhamba kwiindlela zasemaphandleni kunokuba uqhuba yonke imihla emgwaqweni omkhulu ukuza kwemvula okanye ukukhanya.
Emva kokuba uqaphele izinto-zombini onokutshintsha kunye nabo ongenakukwazi, kuyithuba lokuthenga.
Qinisekisa ukuthelekisa iingcaphuno kwiinkampani ezahlukahlukeneyo kwaye ubuze malunga nezaphulelo zokuqhuba umqhubi okhuselekileyo, irekhodi le-stellar, okanye uhlawula i-inshurensi yakho.
- Qinisekisa ukuba i-coverage ecatshulwayo iyafana okanye ifana nayo ngokunokwenzeka kwinqanaba ngalinye.
- Awuyonwabanga ngeempendulo? Yithengela i-auto insurer enye ngexesha elinye.
Into enokwenzeka ukuba uyihlawule
Zininzi izinto eziza kuqikelela iindleko eziqhelekileyo ze-motyhuse yomshuwalense . Ukuba uneminyaka engama-25-60, ukuqhuba i-bike yakho ngezinye iinkhathi, ukhangele ukuthenga kuphela ukukhutshwa kweemfanelo, kwaye ube nerekhodi yokuqhuba kakuhle, unokufumana izibonelelo kwi-ballpark ye-$ 200- $ 500 ngonyaka. Ukuba usemncinci, ushayela isithuthuthu esitshisa ngokukhawuleza, unokufumana irekhodi elibi lokuqhuba , okanye ufuna ezinye iinkcukacha ezipheleleyo, unokuhlawula ngaphezulu kwiindawo eziliqela ezili-dollar ngonyaka.
Yazi Izinto Zakho zobungozi
Ngaba ungumqhubi okhuselekileyo otshatileyo, oneminyaka ephakathi, kunye nohlala kwimeko engenazo zithuthi? Iimali-mali zakho ze-inshorensi ziya kuba ziphantsi kunomhlobo wakho omdala ohlala kwisixeko saseNew York, engatshatanga, kwaye sele sele esengozini ezininzi.
Kukho izinto ezininzi kunye nokuphuma kolawulo lwakho oluya kuphazamisa amaxabiso onokulindela ukuhlawula xa uthengela i-inshurensi ye-motorcycle, kwaye kubalulekile ukuqaphela ezi zinto. Ukuba sele usuqinisekisiwe kwesinye isithuthi, ummeli wakho we-inshorensi unokukunceda uqonde izinto ezenza ube yimpahla ekhuselekileyo, kunye nezinto ezisebenza kakuhle.
Yazi Iimfuno Zemoto Yesikolo
Kwininzi yelizwe, kuya kufuneka ukuba uthenge i-insurance coverage.
Nangona ungafunwa, kunjalo, ngokuqinisekileyo kufuneka usithenge i-inshurensi-ukuba uthe wamphumela ngengozi umntu kwaye akalimala okanye abulawe, unokube kwi-hook yezigidi zeedola zokulimala kunye / okanye iibill zonyango.
Umbuso ngamnye unemiqathango eyahlukeneyo, kodwa kuya kufuneka ukuba ube nesantya esithile sokubanjelwa komzimba kunye nenkunkuma yomthwalo wecala.
Ukuba ukhetha ukungazithengi i-inshurensi yebhayisikili kwimeko efuna yona, uya kuba nexesha elinzima ukuliqhuba endleleni. Uzakufuna ubungqina bomshuwalense ukuze ubhalise i-bike yakho kwi-DMV, okufuneka uyenze ukuze ufumane ipenethi yelayisenisi. Ukuba ubanjelwe ukuqhuba ngaphandle kweelayisensi yecenisi, uya kubanjwa kwaye uthathe ityitile.
Yazi Uhlobo luni lomgaqo oya kuwufuna
Kanye njenga-inshurensi yemoto, kukho iintlobo ezahlukeneyo ze-inshurensi kwiithuthuthu.
Masizihlole:
Ukugqithwa kobambiswano kufaka zombini umqhubi wesithuthuthu kunye nesithuthuthu ngokwayo ngengozi. I-subset ye-collision coverage iyimbopheleleko yemfanelo , ejongene naluphi na umonakalo owenzayo ngengozi, nokuba ingaba kwipropati yomntu okanye umntu. Ukuba uthetha kuphela isithuthuthu sakho ngexeshana, ukuxhaswa kweemfanelo kungabhetele kakhulu. Kwakhona ngokuqhelekileyo ubuncinane obufunekayo ngumthetho kwiindawo ezininzi. Ukuxhaswa kwembopheleleko engagqithwanga / engagunyazisiyo kaninzi ikwagunyazwa ngumthetho kuba kukho amawaka ezithuthi kunye nezithuthuthu ezihamba ngaphandle kwinshuwalense. Ukuba abo baqhubi bayakubetha kwaye bangenayo i-inshurensi, ukhetho lwakho kuphela lokuba neendleko zakho ezikugqityiweyo luya kubakhotya-ngaphandle kokuba unolu hlobo logalelo. Kubalulekile ukukhusela ukukhuselana nokukhuselwa kwabakhweli abahambayo xa uceba ukuba nabanye abagibeli bajoyine ngebhayisikili yakho; Kuya kuhlawula iindleko zabo zonyango xa kwenzeka ingozi.
Ukufihla ngokubanzi ukufihla imoto yakho-kakuhle, ngokubanzi ngokubanzi. Ukuba umthi uwela kwibhayisikili yakho, ubamba umlilo, okanye eyebiwe isela, uya kuhlawulwa. Ukuba ukhwela ibhayisikili yakho rhoqo okanye ukuyibeka kwindawo apho kunokuthi ufumane ukubiba okanye ukulimala, ngokubanzi ukubheja kubhetele.
Ukubhengezwa ngokuqhelekileyo kunye nokuvuna i-vintage kubalulekile ukuba unesiko okanye isikebhe. Abanye abatshutshisi baya kukhanyela ukugqithisa le ntlobo yeebhayisikili kuba ubunzima babo bunzima ukubeka.
Ukufikelela kokubaluleka kubalulekile ukuba uhlala uchukumisa ngebhayisikili yakho kwaye kufuneka ube nomgaqo-nkqubo oquka ukulungiswa kwezifiso, kungekhona nje iindawo zokuqala zesithuthi sakho.
Ukubuyiselwa kwemali yokurhoxiswa, ukukhwela kunye nokuthutha, kunye neendlela zokuncediswa kweendlela ezibalulekileyo zizinto ezibalulekileyo zokuqwalasela, nokuba ngaba yinxalenye yomgaqo-nkqubo we-inshurensi okanye isithuthi sobulungu.
Ezinye Izinto Ezibalulekileyo Ukuzicingisisa
Iinkampani ze-inshurensi zenza imali ngokuqesha abaxhasi abatsha kwaye zigcine-kwaye unako kwaye ufanele usebenzise oku.
Ukuba uthengisa (kwaye kufuneka ube njalo!), Sele usayazi ukubuza malunga neendlela zokuphuhlisa. Kodwa kufuneka ucele kwakhona malunga nomgaqo-nkqubo wokubeka . Ezinye iinkampani, ngomgudu wokutsala kunye nokugcina abaqhubi abatsha, ziya kunika izaphulelo ezininzi xa uhlawula iinyanga ezintandathu ngaphambi konyaka.