Nangona unecala loko, unobungozi bokubambisana kwisithuthi sakho, ngoko uyazi iindleko zokulungiswa kokubili kunye neminye imoto iya kugutywa - okanye ucinga. Xa ubiza umnxusa we-inshurensi yentsapho ukuba ufake ifom ye- inshurensi yomshuwalense , uthe uxolo-kodwa ngenxa yokuba usebenzisa imoto yakho ngenjongo zoshishino, awufihliwe ngumgaqo-nkqubo wakho.
Ukuhanjiswa kwe-pizza yasekhaya kwanjengesi-American njengam, i-pizza. Kwaye ngelixa "i-pizza delivery guy" ayiyi kuba yinto ehamba phambili yokufunda, ingakwazi ukubonelela ngenzuzo ethile yomntu phakathi kwexesha eliqhelekileyo okanye umfundi ekukhangela umsebenzi omncinci wesikhashana emva kweklasi. Into enye esazi ngayo kukuba ininzi yamadoda kunye nabasetyhini abathumela abo bazinikela kwizithuthi zabo. Kwaye ngaphandle kokuba uyenzile ngokwakho, mhlawumbi ungazange ucinge ukuba kwenzeka ntoni ukuba ufumana ingozi ngexesha usebenza umsebenzi wokuhambisa.
Makhe ndikuphule phantsi ukuze uqiniseke ukuba uphelelwe ngokufanelekileyo.
Ngaba ndiyakutyhilwa ngumshuwalense wam?
Oku kunokwenzeka ukuba, nangona kuxhomekeke kulwimi oluthile lwenqubomgomo yakho. Nangona ungeke ucinge ngale ndlela, ukuhanjiswa kwe-pizza yile shishini eliyingozi: I-United States Bureau of Labor Statistics ifumene ukuba ukuhanjiswa kunye neminye imisebenzi yokuthengisa ebandakanya ukuqhuba ukuqhuba ngumsebenzi wesi-5 onobungozi kakhulu kweli lizwe.
Umgaqo-nkqubo we-inshurensi yomntu wenzelwe ukuba yinto efanelekileyo: ukukhutshwa kwezidingo zomntu oziqhubelayo, kwaye ukuhambisa iipiza ekuhlawulelwa kuyo akuqwalaselwe "ukusetyenziswa komntu" ngabaninzi bango-inshurensi. Oku akusebenzi nje kuphela ukuhanjiswa kwe-pizza, ngendlela, kodwa ezinye iintlobo zokuhambisa kunye, ezifana nokuthengiswa kwezilwanyana kunye nokuthutha abantu. Eyona nkampani enkulu apho umntu usebenzisa isithuthi sakhe ngenjongo yokurhweba. Isizathu sisilula: abaqinisekisi bayazi ukuba abaqhubi abaqhuba izithuthi zabo ngenjongo zorhwebo bachitha ixesha elininzi kwindlela, oku kuthetha umngcipheko ophezulu wokubandakanya engozini. Kwaye, oko ke, kuthetha iindleko ezongeziweyo ze-inshurensi.
Kuthekani ukuba ndiqhuba imoto yabazali bam phantsi komgaqo wabo?
Into efanayo. Nangona mhlawumbi uya kuhlanganiswa phantsi komgaqo-nkqubo wabazali bakho ngenxa yengozi eyenzekayo xa beqhuba imoto zabo ngezizathu ezizimeleyo, ukuba ingabonakali ekusebenziseni isithuthi sabo ngenjongo yokuthengisa - njengokuhambisa ii-pizza.
Yintoni eya kwenzeka xa ndifumana ingozi ngelixa ndihambisa i-pizza kwaye ndine-inshurensi yakho kuphela kwisithuthi sam?
Akukho nto oyithandayo.
Umgaqo-nkqubo wakho wamanje ufuna ukuba uxelele umgcini-mali ukuba uceba ukwenza nayiphi na inguqu enkulu kwimeko yokusetyenziswa kwesithuthi sakho, kwaye kubandakanya ukuyisebenzisa ukubuyisela ukuhlawula. Yaye xa usenzayo, umgcini wakho womshuwalense akayi kukuxwayisa ukuba awuyi kuhlanganiswa, banokungeza ukuba usebenzisa isithuthi sakho ngeenjongo zorhwebo uya kuwenza umgaqo-nkqubo wakho uphathise, nokuba usebenzise oko. Ngoko, kwenzekani xa usebenzisa imoto yakho ukuhambisa i-pizza, mhlawumbi, kwaye ungene engozini? Inkampani yakho ye-inshorensi iya kukhanyela ibango lakho kwaye uya kubambelela ngokugubungela yonke indleko yengozi nayiphi na umonakalo.
Kuthiwani ukuba andixeleli nje inkampani yam inshurensi ukuba ndihambisa ipayipi xa kwenzeka ingozi?
Kwakhona, akukho nto ilungileyo. Ukuba ingxelo yengozi ithathwa ngamapolisa, unokuqiniseka ukuba iya kukhankanya oko usebenzisa yakho imoto ngexesha.
Kwaye unokuqiniseka ukuba ikopi yaloo ngxelo iya kufumana indlela yayo eya kwi-insurer yakho. Ukuba akukho phetshana lombutho elithathwayo, awuyi kubakho kwikhonkco kuba omnye umqhubi uya kuxelela inkampani yakhe yomshuwalense kwaye baya kudlulisa ulwazi kwi-insurer yakho. Ngayiphi indlela, inkampani yakho yomshuwalense ayiyi kuvuya. Kwaye, ngaphandle kokukhanyela ukukhutshwa kwengozi, banokucima kakhulu umgaqo-nkqubo wakho , okanye umgaqo-nkqubo wabazali ukuba usebenzisa imoto yabo. Kwiindawo ezininzi, ukukhanyela ukukhutshwa kwenkampani yakho yomshuwalense ngenxa yengozi yecala kungakhokelela ekulayiseneni ilayisense yokuqhuba . Zama ukuchaza oko kubazali bakho.
Ndingayifumana njani i-Insured?
Kukho ambalwa amancinci ekufumaneni i-coupon efunekayo yakho ye-pizza delivery gig:
Ubungakanani Ngomqeshi Wakho
Abanye abaqeshi (ngokukodwa iikhenkethi kunye neendawo zokutyela ezizimeleyo ezinkulu) banikezela nge-coverage ebizwa ngokuba yi-inshorensi yemfanelo yabasebenzi kunye nabangenayo inqwelo kubaqhubi babo xa besetyenziselwa izithuthi zabo kwimisebenzi enxulumene nomsebenzi. Qinisekisa ukuba ubuze umqeshi wakho ukuba lolu hlobo lunikezelo lufumaneka.
Inshorensi yoRhwebo
Inketho ye-inshorensi eqhelekileyo iya kuba ukutshintshela kumgaqo-nkqubo wezithuthi zorhwebo. Hlola kunye nenkampani yakho yomshuwalense kunye nabanye abaqhubi apho usebenza khona ukufumanisa oko kuphuma khona. Kwiimeko ezininzi, umgaqo-nkqubo wezorhwebo uya kubiza ngaphezu kweyakho, kodwa ulwahlulo lwamaxabiso luya kulawulwa. Isibalulekileyo apha, njengokuba kukho ezininzi izinto ezibandakanya i-inshurensi yomshuwalense, kukuthengisa.
Inkonzo yomshuwalense wePizza:
Kulungile, mhlawumbi akuyi kuthiwa "inkokhelo ye-pizza ye-pizza," kodwa kukho abambalwa bomshuwalense ngaphandle apho banikeza iinkqubo ezikhethekileyo, okanye inkcazo eyongezelelweyo kumgaqo-nkqubo wodwa, ngokukodwa kubantu abathunyelwayo. Kwakhona, thetha kunye ne-agent yakho kunye nabaqhubi kunye nabo malunga nezinto ezikhoyo.