Ngelishwa, ukubaleka komgwaqo ngomnye umqhubi akuqhelekanga njengoko ungacinga.
Zininzi zezi ntloba zengozi zibangelwa ukuqhuba ukuphazamiseka . Ukuqaphela indlela ibango lakho le-inshorensi eliya kuqhutywa ngayo linokuba yimeko ephosakeleyo. Iziphumo zivame ukuhluka kwiimeko ngamatyala ngenxa yokuba izinto ezahlukeneyo ezahlukeneyo zinokuchaphazela ibango.
Ifowuni Amapolisa Ukubika Ingozi
Kubalulekile ukuthatha amanyathelo okuzikhusela ngokusemthethweni nangokwezimali ngokukhawuleza. Ngokukhawuleza ukuba uhlala kwindawo ephephile, biza u-911 ukubika ingozi. Kukunceda gqitha ukuba ukhumbule umbala, wenze, kunye nomzekelo wesithuthi, nayiphi na into echazayo yomqhubi, kunye nehlabathi eligqibeleleyo, yonke into okanye inxalenye yeenombolo zeelayisensi . Ukuba ubangela umonakalo kwipropati yomnye umntu, unokubanjwa uxanduva, kwaye kubalulekile ukuba ube nerekhodi yokuba awukho mthethweni ngokusemthethweni. Kwiimeko ezigqibeleleyo, izikhululo zokuthotyelwa komthetho ziya kukwazi ukulandelela omnye umqhubi kwaye ziwanike ithikithi ephezulu yeengozi yokuhlaselwa.
Ngaba Uyazi Ngaba Ubani Oya KuKhupha?
Ukwazi ukuba ngubani owakhuphayo endleleni. Kodwa kungekuphela nje kunokunceda ukwazi ukuba ngubani owenzileyo, kodwa kufuneka bavume iphulo. Ngokuqinisekileyo kukho iimeko apho umqhubi we-fault-fault does not even realize that he even caused you to run off the road. Mhlawumbi abazange bakubone xa bekunqumla kwaye baqhubeka behamba.
Ezi ntlobo zengozi ziyakhathaza kakhulu ngenxa yokuba akusiyo iphoso lakho, kodwa akukho mntu ukubeka iphoso kuyo.
Ngaba Kukho Imonakalo Kwenqwelo Yakho?
Ukuqhuba imoto yakho ngaphandle kwendlela kungabangela umonakalo omkhulu. Ukubetha umlindi okanye enye into iyacaca iya kubangela ukulimala komzimba. Ukuhamba ngaphantsi kwezithuthi zakho kuya kunomonakalo xa ushiya indlela. Kwiimeko apho uqhutyelwa khona ngaphandle kwendlela ngaphandle kokuqhagamshelana nesinye isithuthi, inkqubo yebango iyancipha. Unokuthi ungcono ukuvumela ukuba isithuthi sitshatile xa kuziwa kwiinjongo zentsholongwane ye-inshurensi yemoto. Ukuhamba kwakhona kubangela ingozi enkulu ngenxa yokuba kaninzi ungazi ukuba ungena phi.
Ngaphezulu, nokuba uyazi ukuba ngubani ogijimbileyo endleleni kwaye avuma iphutha, umgaqo-nkqubo wakho womshuwalense wemoto nguye oza kuwufihla umonakalo. Oku kuthetha ukuba i-deductible yakho iya kusebenza kwaye unomsebenzi wokuba ufumane ingxelo nje ukuba ulungelelwano lwe-collision edibeneyo kwisithuthi sakho. Njengoko kukhankanywe ngaphambili, iimeko ziyakwazi ukuhluka ngohlobo lwe-state kunye ne- inshurensi , kodwa ngaphandle kokuqhagamshelana nesithuthi esilungileyo, kuya kuba nzima ukulandela emva kokulungiswa komonakalo ngokomzimba.
Ngaba Uye Walimala?
Ukulimala okwenzekayo xa ugxothwa kwindlela ingaba ibali eyahlukileyo. Umqhubi we-fault-case angaba noxanduva, kodwa kwakhona kuxhomekeke kwimeko ethile. Ukuvuma ukuba netyala kuya kuba yinto ebangela ukuba ungeke ulandele ibango kumqhubi we-fault. Ubungqina bamehlo bunokuba luncedo kule meko. Ukuba awufumani ulwazi lomqhubi, ezinye zivumela ukuba ibango le-motor uninsured lifakwe phantsi komgaqo-nkqubo wakho kwaye uluhlu umqhubi we-fault-driver njengomqhubi we-phantom. Uya kufuneka uthenge umqhubi we-motor uninsured phambi kwexesha leengozi. Ezi ntlobo zamabango zihlala zibandakanya igqwetha kwaye zibe yinkqubo ende. Qala ngokubuza ummeli wakho we- adversi okanye ummeli we-inshurensi , kwaye uqhubeke negosa loqhagamshelwano ukuba uziva ukuba izinto aziphathwanga ngokufanelekileyo.
Ngaba kukho ubungqina bokuzibonela?
Ubungqina bokuzibonela kubaluleke kakhulu kwengozi xa ubalekile endleleni. Uboniso lwamehlo luyakunqunyulwa phantsi "uthe-wathi" iimeko xa kukho ukungavumelani. Ubungqina bamehlo bungenakho ukufumana inombolo yeelayisenisi yepenisi yomntu oshiya indawo. Ukuba ubalekile kwindlela enye ngesithuthi, qiniseka ukuba ufuna ubungqina ukuqinisekisa ubungqina bakho. Fumana ulwazi lwabo lokuqhagamshelana kunye nokucela intsebenziswano kunye nepolisa ingxelo kunye ne-inshorensi yebhenso.
Ngubani oya kuthi iNkampani ye-inshurensi ibone i-error?
Ininzi yexesha ukuba izithuthi ezimbini zingaboniswanga, kwaye ingozi ibhekwe yengozi yemoto enye. Iziganeko eziqhelekileyo zeemoto zihlala zicatshangelwa ngephutha-ngaphandle kwezilwanyana nezinto ezindizayo. Abanye abathwala i-inshurensi banokuba ngabaphulaphule xa unomntu ovuma ukuba unetyala okanye isohlo. Imithetho iyimithetho kwaye kwezinye iimeko nangona ukuba unetyala livunyelwa ngenye inxaxheba, ngaphandle kokuqhagamshelana nesinye isithuthi uya kuthi uhlawuliswe ibango le-fault-case xa ubeka umonakalo ngokomzimba okanye ibango lonyango.
Ukugijima kwindlela eyoyikisayo. Inokuba yinto yezona zininzi eziphazamisayo zamabango ngenxa yokuba uzizwa ungenakunceda kuba bekungekho iphoso lakho. Kwakhona oku xa ama-inshorensi athetha ngokuqhelekileyo athi "Musa ukuhlawula". Iyakwazi ukuqhuma ngakumbi kwindinyana ende ekugqibeleni idibana nesinye isithuthi.