Ukukhusela kuzo zonke iintlobo zeemeko
Inkcazo epheleleyo ye-inshorensi ngowomnye wemigqaliselo ephambili ekhoyo njengenxalenye yomshuwalense wemoto.
Ukuqhelaniswa kukukhuselwa kwintengiso yomshuwalense owongezelelekileyo uyongeza kwipolisi yakho yemoto eyisiseko ekunikezela ngokukhawulelana nomonakalo ongeyena umphumo wokubambisana nemoto .
Imizekelo yoVavanyo lweNqwelo-mali kaNgcaciso yeMoto:
Inkcazo epheleleyo yinkcazo eyaziwayo ebonelela ngomshuwalense kwimithombo eyahlukeneyo yomonakalo eyenzekayo kwimoto yakho, ngaphandle kwengozi "yemoto yemoto".
Ezinye imizekelo:
- umonakalo owenzayo
- umlilo kunye nokuqhuma
- ukuchitheka
- ezindizayo okanye izinto eziwa
- umbambano okanye ubundlobongela
IiNgcaciso zeNtsholongwane eziqhelekileyo eziqhelekileyo
Ukugqithwa ngokubanzi kubandakanya igalagi kunye ne-windshield, umonakalo kwiimeko zemozulu okanye iintlekele zemvelo , njengesivunguvungu, iindubane, iinyikima, inyikima, isichotho kunye nomkhukula .
Ukugqithiswa ngokubanzi kubandakanya umonakalo kwisithuthi esibangelwe ngenxa yokugqitywa okanye ukulimala kweentaka okanye isilwanyana.
Ngaba Ingqinisiso epheleleyo iVunyelwe okanye ifunekayo?
Ukuqwalasela ngokubanzi akuyiyo inxalenye yecandelo elincinci lemfuno ye-inshurensi yemoto .
Nangona kunjalo, ukuba unesiqeshiso okanye umboleko kwisithuthi sakho, inkampani ebolekisiweyo okanye yezemali inokufuna ukuba uthenge ukuthenga ngokugcwele kwisithuthi sakho, apho bekuya kufuna ukuba uquke ukufikelela ngokubanzi.
Ngexesha lokuthenga iNgcaciso yeNgcaciso yoMshuwalense
Ukuba uqeshisa okanye ubolekise imoto yakho, kuya kufuneka ufune ukuthenga i-inshorensi epheleleyo, nangona kungabi mfuneko ngumthetho we-inshorensi yomgaqo-nkqubo we-inshorensi .
Inkampani yokuqeshisa okanye yezemali iya kufuna ukuqinisekisa ukuba isithuthi sakho siqinisekisiwe ngokupheleleyo ngeli xesha uqhuba imali yakho kwisithuthi sakho.
Naliphi na ixesha xa imoto yakho ixabisekileyo, uya kufuna ukucinga ngokungongeza inzuzo yomshuwalense.
Ngaba Imoto Endala Ifuna Inqwelo-mali Yomshuwalense?
Ngamanye amaxesha abantu bacinga ukuba imoto endala ayifuni ukukhutshwa ngokubanzi ngenxa yokuba abayicinga ukuba iya kuba.
Nangona kunjalo, khumbula ukuba olubanzi lubandakanya izingozi ezininzi ezibandakanya:
- umonakalo womoya
- ngomlilo
- umonakalo kwizenzakalo zemozulu ezifana nesichotho.
Lezi zizathu eziqhelekileyo zomonakalo kwiimoto ezixabisa kakhulu ukuba zilungiswe ukuba imoto intsha okanye imdala.
Umgangatho opheleleyo kunye noDeductibles
Ukugqithiswa ngokubanzi ngokuqhelekileyo kuthengiswa nge- deductible . Ngokuqhelekileyo unokukhetha i-deductible, nangona i-standard deductible ye-coverage epheleleyo ihlala ivela kwi-$ 100- $ 300.
Ngokuxhomekeke kwintengo yemoto yakho, okanye iindleko ze-inshurensi yakho, unokukhetha kwakhona i-deductible ephezulu njengeqhinga lokunciphisa iindleko zomshuwalense . Esi sicwangciso sisoloko siqwalaselwa kakuhle ukuba unemoto engozini kakhulu okanye imoto ephakamileyo.
Njengoko abantu abaninzi basebenzisa i-coverage epheleleyo ukulungisa okanye ukubuyisela i-windshields, engabibizi imali eninzi, ufuna ukuqinisekisa ukuba uyaqonda ngokucacileyo intsingiselo yakho yokukhangela kwaye unokukwazi ukuhlawula iindleko zokuhlawula imali yakho, okanye ukulungisa ezibiza ngaphantsi kwexabiso elichithwayo xa kwenzeka ibango.
Ukubambisana ngokubanzi kunye neGrazil izimangalo
Umonakalo weglasi uvame ukubandakanywa kwi-coverage epheleleyo kwimigaqo-nkqubo yemoto kwaye iya kuthotyelwa kwiphepha elipheleleyo elichithwayo.
Ukuba isithuthi sakho sinomonakalo omncinane kwiglasi kwaye sidinga ukulungiswa, ezinye iinkampani zomshuwalense azidingi ukuba uhlawule i-deductible.
Kwamanye amazwe, imithetho ilawula ukusetyenziswa kwe-deductible kwi-grafi epheleleyo ibango kuphela efuna ukulungiswa ngokuchasene nokutshintshwa. I-Florida, eKentucky, eSouth Carolina igunyazisa ukulungiswa ngophuculo olubanzi lwe-inshurensi ngaphandle kwe-deductible kuba baye bafumanisa ukuba ukuqhuba ngemoto nge-windshields eyonakaliswe yingozi, oku kukuxhamla ngokubanzi ngokubanzi kwezi zizwe. Oku kuthethiwa, iinkampani ezininzi ze-inshorensi ziya kukhangela i-deductible kwimeko yokulungiswa kweglasi, ngoko kuyafaneleka ukubiza i-arhente okanye ummeli ukuba wazi izimo zakho.
Abanye bathi, ngokweNkcazo ye-Inshorensi, inokunikezela nokuvumela ukufumana ingubo egcweleyo yeglasi ngaphezu kwenkcazo ebanzi, evumela ukuba umnini-mgaqo-nkqubo ukuba akhethe ukuhlawula xa kukho ibango leglasi.
Ngaba Ingqinisiso yokuBala imali ibalwa njengeengozi ezixanduva?
Amabango amaphepha afumaneka ngokuqhelekileyo aqhelekanga njengengozi echaphazelekayo.
Iingozi ezijongene nazo ziza kuwela phantsi kwesigxina okanye inxalenye yokudibanisa yakho yomshuwalense we-auto kwaye ayikho icandelo elibanzi lokunika ingxelo.
Omnye udibanisa inxalenye ye-inshurensi yemoto epheleleyo engabhekanga kuyo yonke into eyingozi yomshuwalense phantsi kwe-inshurensi epheleleyo yinkcazo yokushaya isilwanyana.
Ukuba ushaya umququ, i-squirrel, i-moose okanye ubenokubethelela inkunzi yakho ngemoto yakho, ukubetha isilwanyana kugqityiwe ngokubanzi kwenkqubo yakho yomgaqo-nkqubo.
Yisiganeko esinqabileyo apho ushaya into ethile ngelixa uqhuba kwaye akubalwanga nxamnye nawe njengengozi echaphazelekayo. Uninzi amazwe, kwaye iinkampani ze-inshorensi aziyi kuqwalasela olu hlobo lwesibango inengozi. Qhagamshelana nenkampani yakho yomshuwalense ukuze ufumane indlela abajonga ngayo le nto kwaye qi ni sekise ukuba akuyi kuba nezinye iindleko ezihambelana nebango elibanzi.
Iimoto eziqashisayo kunye neCarferential Car Car After After Car Car Ishiweyo okanye ibango elipheleleyo
Ingxelo yokubuyiselwa kwembuyekezo yerhafu yinto ebalulekileyo yenkcazo esebenzayo kuphela xa ukongeza kwipolisi yakho njengendlela yokuvuma. Akufakiwe kwiinkcukacha ezipheleleyo.
Ukuba ufuna ukufumana imoto yokuqeshisa ngelixa isithuthi sakho silungiswa ngenxa yebango elibanzi, kufuneka uqiniseke ukuba unesiqinisekiso esiphezulu kwimoto yakho kunye neendleko zokuhlawula imali yokuqashisa okanye ukulahleka kokusetyenziswa.
Ukuba awunayo i-coverage epheleleyo, i-coverage yokubambisa irenti ayiyi kudlala ngoba umonakalo awufihlakele.
Imizekelo yoBanzi obuPhezulu kunye neziBango
- U-Emily wamisa imoto yakhe kwisitrato ngaphandle kwesakhiwo somhlobo, ngexesha lokutyelela kwakhe imozulu yayimbi, kwaye wagqiba ukuhlala ubusuku kunokuba abuyele ekhayeni. Ngentsasa elandelayo xa uEmily ehamba ehamba, wabona ukuba uphahla kunye nenqwelo yemoto yakhe yayinomthwalo omkhulu. Wayecinga ukuba kufuneka kubangelwa isichotho ngexesha leqhwithi. Waqhagamshelana nenkampani yakhe yinshurensi kwaye bamqinisekisa ukuba ilahleko iya kunyangwa yinkxaso- mali yobanzi eyayikhethileyo xa uthengisa umgaqo-nkqubo nangona wayeya kufuneka ahlawule i-inshorensi yakhe engama-$ 500.
I-Broken Windshield yeBango kunye noMgangatho oPhezulu
- UMarko wayeqhuba ngomgwaqo omkhulu kwaye ngokukhawuleza ilitye lathi lashaya i-windshield laza ladala ukuchithwa. Ngokukhawuleza xa uMark efika ekhaya, wabiza ummeli wakhe we-inshorensi waza watshelwa ukuba akadingeki ukuba akhathazeke, wayenomsebenzi obanzi onokukunceda ukulungisa okanye ukutshintsha i-windshield ephukile okanye ephahliweyo, unokuthi ahlawule kuphela ezinye ziza kubalwa.
Ukubetha i-Deer ngelixa uqhuba
- USusan wayehamba ekhaya esuka kwi-Thanksgiving dinner kwindlu yakhe yentsapho xa ngokukhawuleza wabetha intonga. Ngombulelo ulungile, kodwa imoto yakhe yachithwa. Wabiza amapolisa ukuba enze ingxelo yengozi, ngoko ubizwa ngokuba yinshurensi yakhe ixhalabile ukuba oku kungenakukufihla ngokupheleleyo. Ummeli wakhe we-inshorensi uyamqinisekisa, unomshuwalense opheleleyo, ngoko umonakalo uza kuhlanganiswa phantsi komgaqo-nkqubo wakhe.