Ingaba i-Non-At-Fault Claim ingayikhupha iiRhafu zam inshorensi?

Isilinganiselo sam senyuke kwaye sasingeyiphutha lam

Uqhubela ekhaya usuka emsebenzini ngomnye usuku, ukubeka ingqwalasela ngokusondeleyo kwendlela kunye nabaqhubi abakujikelezile, xa ngokukhawuleza indoda okanye ibhinqa ebeka ingqalelo ngakumbi kwincoko yabo yeselula isebenza uphawu kunye neenkunzi zeegusha kwicala lakho . Ngombulelo kukuba, wena okanye omnye umqhubi uyaxatyiswa-kodwa isithuthi sakho ngokuqinisekileyo. Unomshuwalense wenqwelo enhle kwaye uyazi ukuba awukho iphoso, ngoko unobhala ngokukhawuleza umonakalo, utshintshiselwano ngolwazi kunye nomnye umqhubi, kwaye ufake ingxelo yepolisa.

Nangona kunjalo, xa ubiza umnxeba wakho ngengozi, bayalumkisa ukuba ucinge kabili malunga nokufakela ibango nge-inshurensi yemoto yakho, ukubiza ukuba iirhafu zakho zanda. Ngaba zichanekile?

Kuyamangalisa inani lezinto ezinokuchaphazela izinga lakho le-inshurensi yemoto . Ukufakela izibango zecala-phantse zihlala zihlala ngendlela eqinisekileyo yokuphakamisa izinga le-inshurensi yakho. Kungabonakala ngathi akukho-brainer ukuba ibango elingenalo-in-fault should not raise your rate, kodwa oko akusoloko kunjalo.

Iindaba Ezilungileyo Ngokungabikho Kwezimangalo

Kwiindawo ezininzi zase-United States, ama-claim-fault-claims are filed against the policy inshorensi yemoto ( MI abahlali bajonga apha ). Ukuba unako ukuyifaka kwiqela eliphosakeleyo, akufuneki ukuba ukhathazeke ngamanani akho akhuphukayo. Ukuba ufuna ukufakela kumgaqo-nkqubo wakho, abathwali abaninzi be-inshurensi abasayi kubhalisa ngenxa yezimangalo ezingekho. Kungenzeka ukuba ubone umrhumo ophezulu xa ufaka ezintathu okanye ngaphezulu kwazo kwiminyaka emithathu.

Iindaba ezimbi malunga Nezibango ezingekho phantsi kweeNkcazo

Masithi kulo mzekelo ukhankanywe ngasentla, endaweni yokutshintshisana ngolwazi ngolwazi, omnye umqhubi ubalekile kwindawo. Ukufakela ibango kwi-inshurensi yakho yengozi yokuhlaselwa kunye nokugijima kunokuzixhalabisa. Ngelishwa, abanye abathwala i-inshurensi benza inkokhelo xa ufaka ifowuni engekho.

Abathwali be-inshurensi baya kunqongopha xa beza kubango. Ibango elingenalo-inkohlakalo liza ne-intlawulo encinci kunokuba ibango le-in-fault-but Iingqikithi, ukunyusa amaxabiso kuwo onke amabango afakweyo kuya kunciphisa amaxabiso abo baqhubi abanezibango zero.

Yintoni Ongayenza Ngayo

Ukuba okwangoku ufaka ibango elingenayo iphoso kunye ne-inshurensi yakho yongxowankulu, kuya kunceda ukuba uqale ukuthenga umthengisi omtsha. I-Surcharges isetyenziswe ngomhla wokuhlaziywa kwe-inshorensi yakho, ngoko unesikhathi esithile phakathi kokufakela kwaye ngokuqinisekileyo uhlawula umrhumo.

Ukucela inkampani yomshuwalense ukuba ingaba yongeze ingozi engekho-yecala ngumbuzo omkhulu ukuba ubuze xa ufumana ukucaphula. Kungakwenza ukhethe isicatshulwa esincinci esincinci ngaphezu kwexabiso elincinci elingaphezulu. Ycinge. Ngaba ufuna ukuxhalaba rhoqo xa ufuna ukufaka ifowuni, "buninzi kangakanani i-inshurensi yam iya kunyuka ?"