Okufuneka Ukwazi Ngomshuwalense Wemoto
Uninzi lwabantu luya kukuxelela ukuba ufumane ikhadi elikhethekileyo le-inshurensi yemoto evela kwi-inshurensi yemoto ebizwa ngokuba yiKhuseleko lokuTyala kweMoto okanye iKhadi lePhondo le-Inter-Province. Ukuba uyanqotshwa eCanada kwaye igosa lepolisa licela ukuba libone, unako "ukufumana" ukuhlawuliswa ngenxa yokungabi nalo.
Ingxaki
Andiyi kukhwankqiswa ukuba ubiza umnxeba we-inshurensi yemoto namhlanje kwaye abazange banikele ikhadi elinjalo. Akuthethi ukuba awugciniwe eCanada, ithetha nje ukuba abanalo ubungqina obukhethekileyo baseCanada bekhadi le-inshorensi. Ke ngoku wenzantoni?
- Nika ikopi yephepha lakho lokubhengezwa . Ikhasi lokubhengezwa liza kubhala zonke iifayili ngasinye kwisithuthi ngasinye kumgaqo-nkqubo wakho.
- Yiba nobungqina bakho obukhoyo bomshuwalense wemoto .
- Ukuba ukhathazeke ngokwenene, cela ummeli wakho we- inshorensi ukuba afake ileta echaza ukuba umgaqo-nkqubo uza kuthi, ukukugubungela eCanada kwaye uvumele ukuba awusayine.
Ukuphonononga Umgaqo-nkqubo We-Intshumo Yomlilo
Kuhlala kuluvo oluhle ukuphonononga umgaqo-nkqubo wakho womshuwalense womshuwalense rhoqo ukuze uqinisekise ukuba unomsebenzi ofunayo. Ukuhamba uhambo lixesha elifanelekileyo lokuphonononga umgaqo-nkqubo wakho. Awudingi ukwenza utshintsho oluthile ukuze ufike eCanada, kodwa yinto efanelekileyo yokwazi oko kukucetyiswayo.
Imilinganiselo ye-Car Insurance Insurance Limited eCanada
Uxanduva lwemali ehlawulwa kwenye inkundla xa uwonakalisa ipropati okanye mhlawumbi ubangela ukulimala komnye umntu xa usebenzisa imoto yakho. Uxanduva lubaluleke kakhulu kwi-inshurensi yemoto yomshuwalense, kungenxa yoko kuyimfuneko yokunika ingxelo. Ukwazi ukuba iKhanada idinga ntoni kubahlali bayo kukunika ingcamango yento eya kuba yaneleyo yokukhupha.
- Uninzi lweCanada ludinga i-$ 200,000.
- IQuebec idinga i $ 50,000.
Iimpawu zeeNqwelo-mali zeCarsi e-United States
Iphondo ngalinye linomlinganiselo omncinci wokumisela umda. Ubuncinci awanelanga ngokwaneleyo. Uninzi lwee-inshorensi ziyakuncomela la ndelayo ngaphandle kokuba unempahla eninzi, ngoko kufuneka uqwalasele imida ephakamileyo. Thetha kunye negosa lakho le-inshorensi ukuba awuqinisekanga ukuba yeyiphi imingcele okufanele ukhethe.
- Imali eyi-100,000 / i-300,000 eyi-$ 000,000 ithetha ukuba kukho ukuhlaselwa kwengozi ye-$ 100,000 ngomntu ngamnye kunye ne-300,000 yeengozi nganye.
Ubungakanani obalulekileyo bomshuwalense wemoto
- UkuKhuselwa koKhuseleko okanye u-Pay Pay : Amanyathelo amaninzi afuna inani elincinci lokunikwa ngonyango kwipolisi yakho. Buza ummeli wakho we-inshurensi malunga nemida ephakanyisiweyo yimeko yakho. Buza umqeshi wakho ukuba yintoni inshuwalense yakho iya kubhalwa ngengozi yemoto. Ngokuqinisekileyo kulunge ukuba wazi ngaphambi kwexesha oko kungabikho na.
- Umgangatho opheleleyo : Le ngxelo iya kulungisa isithuthi sakho ukuba ibonakaliswe yinto engeyiyo ukudibana. Ingaba ngumsebenzi obalulekileyo kakhulu kuba ukhusela ezintweni ezininzi. Unokufaka ifowuni ngomlilo, ukweba, ukuchithwa kwempahla, ukubetha isilwanyana, ukuwa komthi, ibango elichaphazelekayo kunye nolunye.
- Umgca wokuBambisana : Ukudibanisa ngokuqhelekileyo kuvela ngokufanelekileyo. Awukwazi ukuba yintoni ingozi engayibethayo. Akukho mntu uceba ukufumana ingozi kwaye kubangele amawaka eerandi yomonakalo kwisithuthi sabo. Ukuba ufuna uncedo ukufumana imoto yakho yalungiswa emva kwengozi echaphazela enye imoto okanye into engaphiliyo, kufuneka udwelwe ngokukhawuleza oludweliswe kwi-inshurensi yemoto yakho.
- Uxhasano lwe-Roadside : Ukuphuka phantsi ngelixa uhambo aluzange kumnandi. Nciphisa ezinye zexinzelelo ngokufaka uncedo lweendlela kwipolisi yakho. Kungenzeka ukuba uya kufuneka uhlawulelwe i-tow xa useCanada. Qinisekisa ukugcina iirisithi yakho kwaye ufake ibango lakho xa ufika ekhaya.
- Ubungakanani bemoto yokuqeshisa : I-coverage efanelekileyo yenkcitho yokuqasha imoto. Ukuba isithuthi sakho sonakaliswe ngengozi ekhuselekileyo, ukuhlawulwa kwemoto yokuqashisa kuya kunika imali ekuqeshiseni imoto ngelixa isithuthi sakho siphume. Ukukhutshwa kwemoto yokuqeshisa kungasetyenziselwa nayiphi na ixesha xa isithuthi sakho singenakuqhutyelwa ngenxa yokulahlekelwa yilahleko, nokuba ungekho eholide.
Yazi i-Deductible yakho
Iideductibles zivame ukusebenzisa isicelo sokufikelela ngokubanzi kunye nokukhawulelana ngokukhawuleza kunye nokugqithiswa kwezokwelapha ngamanye amaxesha. I-deductible yintlawulo ohlawula ngayo epokothini ngaphambi kokuba i-inshurensi yemoto ihlawulwe. Ukuphakanyiswa kwexabiso lakho eliphantsi kwe-inshurensi. Yazi i-deductible yakho kwaye yenza konke okusemandleni akho ukugcina loo mali kwi-fund yexakeka-mali ukuze ube nayo xa kwenzeka ingozi.
Ukuba neyona nto yokufumana iimfuno zakho kubalulekile ngokucacileyo, kodwa ukwazi ukuba i-cover yakho yenza ntoni kuwe kubaluleke kakhulu. Ukungayiqondi umgaqo-nkqubo sizathu esivakalayo sokuba kutheni abantu badakalise ngexesha lokubiza ibango. Ukucinga ukuba uphelelwe into ethile ngoko ufumanisa ukuba awukho into enokuba yingozi.
Ukuya eCanada kwishishini okanye ukuzonwabisa kufuneka kube ngamava amahle. Musa ukubanjwa phezulu kumda wokungena ngenxa yokuba awunayo i-paperwork yakho. Yenza yonke into ifikeleleke kalula. Susa isitya sakho kunye nezibuko zelanga ukuze ukhangeleke lula xa uqhathaniswa nokuchazwa kwesithombe sakho. Qhubeka uvakalisa izinto ezifuneka zivakaliswe. Ukulungelelaniswa nokuza kunye nepolisi yomda kuya kwenza izinto zibe lula kwaye zithemba ngokukhawuleza.
Unxibelelwano oluxhasayo lokuCwangcisa uhambo oluya eCanada
- Indlela yokufaka iCanada ngeMhlaba, uMoya, okanye ngamanzi
- I-Arhente yeNkonzo yeNkonzo yaseCanada