Ingaba i-Intshurensi yakho iya kuhlawulisa ibango lakho ukuba ungeyinyani?
Ukunyaniseka kukubhekiselele kuzo zonke iintlobo ze-inshurensi: ikhaya, ubomi , impilo kunye ne-auto. Ngokuxhomekeke kwinqanaba lokunganaki kunye nomhlobo wonakalo, umgaqo-nkqubo wakho womshuwalense usenokuhlawula ibango xa kwenzeka ngenxa yokunganakwa kwakho.
Kwiimeko zokuxanduva, inkampani yomshuwalense iya kuhlawula ngokusemthethweni ukukhusela kwakho komthetho, kodwa ingenakho ukuhlawula umonakalo olandelayo xa ulahlekelwa. Ukunyaniseka kuhlolwe ngolu hlobo, ngoko kufuneka uhlale wenza konke okubonakala kunengqiqo ukukhusela ipropati yakho neyabanye.
Xa Unokucingwa Ukuba Unganakwa?
Ukuba amanzi eza ekhaya lakho ngenxa yombhobho ogqityiweyo, umgaqo-nkqubo wakho womshuwalense ufuna ukuba wenze into ukuzama ukukhusela umonakalo omkhulu. Yiloo nto umntu oqikeleleyo oya kwenza. Ukuba unqumle ukungabi nasizathu esithile, kunokuthathwa ngokunganakwa kwinqanaba lakho. Umonakalo wokuqala ungagqalwa, kodwa umonakalo ogqithiseleyo ngenxa yokuba awuzange uthathe isenzo kuya kuphakanyiswa umbuzo - ubuncinane ngaphandle kokuba kukho iimeko ezicwangcisiweyo.
Mhlawumbi wawungekho ekhaya ngelixa ipayipi yaqhuma, okanye mhlawumbi kwakukhona i-wiring yombane endaweni apho amanzi ayeza khona ukuze ungeke ufikelele ngokuphepha ukuze uthathe isenzo.
Inkampani yinshuwalense ayinakuyithatha ingqalelo xa unqumle ukulinda uncedo olufanelekileyo. Hlonipha imimiselo yesivumelwano sakho kwaye uthathe amanyathelo alungileyo okukhusela umonakalo omkhulu xa kunokwenzeka, kodwa ungazibeka engozini.
Intshurensi yakho ikwazi ukuxosha iPolisi yakho kamva
Akuthethi ukuba usesikweni ngokucacileyo kuba inkampani yakho yomshuwalense ihlawula ibango.
Abafaki-zincwadi basemashishini ekulawulwa kweengozi, kwaye bazama ukukhetha nokugcina abaphathi-nkqubo abanokunciphisa umngcipheko. Xa umntu echasene ngokucacileyo okanye iziganeko eziphindaphindiweyo zezibango ezingenakuthintelwa, umgcini-mali ongabhaliswa ngumshuwalense unokugqiba isigqibo sokususa umgaqo-nkqubo wakhe . Umnini-nkqubo unokunyanzeliswa ukuba ahambe nenkampani ebeka ingozi kuba akukho mntu uya kumqinisekisa . Yisoloko ithetha iiprayimari eziphakamileyo, ngoko kungcono ukuba uqaphele kunobungozi obalulekileyo okanye amabango aphindaphindiweyo ukuba unokukwazi ukukhusela.
Ezinye Iimpawu zeNtsholongwane yokunganakwa-Okanye Ukungabikho kwe-It
- UJennifer unemithi yakhe yokusika kwaye igcinwe minyaka yonke, kodwa enye yemithi yayo yawela ekhayeni labamelwane bayo ngexesha lesiphango. Yenza umonakalo omkhulu. Ummelwane wammangalela uJennifer ngokunganaki, kodwa wayenamaxwebhu okubonisa ukuba uthathe amanyathelo alungileyo ukuze agcine impahla yakhe. Nangona yayingumthi wakhe owawa, akuzange kwenzeke ngenxa yokunganakwa kwakhe.
- Izitena zaqala ukunyuka kwicala likaJohn ekhaya. Wayexakeke kakhulu ukuba angakhathazeki ngako, kwaye imeko yaqhubeka inyanga eziliqela kwaze kwafika izitena eziliqela phantsi komgwaqo. UJohn akazange azungeze ukuzithatha, kwaye omnye wawahlutha waza wawa, ephula umlenze wakhe. Omnye umntu wayesongela ukumangalela uJohn ngeendleko zakhe zonyango. Nangona uJohn wayengekho nto leyo, umgaqo-nkqubo we-inshurensi yasekhaya unokumncedisa ngeendlela ezimbini, ukwenza iintlawulo zonyango ngokuzithandela ukuba inani lalingekho kwimida yomgaqo-nkqubo, okanye kwinqanaba le-inshorensi yomshuwalense wekhaya.
- Unina kaStephanie wafa, waza uStephanie wathatha ilifa lakhe. Indlu yahlala ingenamntu ngoxa uStephanie ahlala kwindawo leyo, ixesha elide lidla ixesha. Wafumana imvume yemvume waza wathembisa inkampani yomshuwalense ukuba yayiza kuyityelela kwindlu nganye iintsuku ezine ade ahambe. Wabuye wathi umntu uya kuhlala enomhlaba. Kodwa uStephanie wayenexakeke gqitha kwaye waphazamiseka ngenxa yokulahlekelwa kwakhe kangangokuba akazange athole umntu ukuba alindele indlu njengoko wayethembisile. Akazange abize inkampani yenkampani yomshuwalense ukuba ibazise. Kwiiveki ezintlanu, uStephanie waya ekhaya waza wafumana umonakalo omkhulu. Ibango lakhe lakhanyela ngenxa yokunganakwa kwakhe ngenxa yokungayilanga inkampani xa imeko yatshintshwa kwisivumelwano sabo sokuqala.
- UAna waphawula iphunga elimnandi elivela kwi-attic yakhe. Xa ekugqibeleni wenyuka phezulu ukuba ahlole, wafumanisa amanzi aphuma ezindongeni. Wabiza inkampani yomshuwalense ukuba enze ibango. Bavula iindonga baza bafumana isikhunta. U-Anna wayenomonakalo wamonakalo wamanzi, kodwa ibango lakhe lakhanyela ngenxa yokuba i-inshorensi ayilungiselelwe ukulungisa imiba yesondlo. Umonakalo obuthathaka obangelwa ngamanzi , kuquka ukubunjwa, awuzange uhlanganiswe. U-Anna wagqiba ukuhlawula imali eninzi ukulungisa loo ngxaki kuba inkampani yakhe ye-inshorensi ithatha isikhundla sokuthi wayengunyanzelisi njengomnini wezindlu oye wabangela umonakalo - akazange alondoloze impahla yakhe. Okubi nakakhulu, u-Anna wacetyiswa yinkampani yomshuwalense ukuba kufuneka ahlaziye umonakalo, okanye angayicima umgaqo wakhe.
- U-Nancy wabuyela ngaphandle kwendlela yakhe ngaphandle kokukhangela phezulu kwaye wehla kwisitalato sakhe kuqala ngenxa yokuba kwakungaze kubekho nayiphi na indawo. Ubetha enye imoto. Ingozi yayiyiphuso likaNancy ngenxa yokuba wayenganaki, kodwa inkampani yomshuwalense yayiya kubakhokhela amabango aphumayo ngenxa yokuba wayesebenza ngokukhawuleza ngokukhawuleza ukujongana nezenzo zakhe kunye nokukhawulelana nokuxhatshazwa ukujongana nomonakalo kwimoto yakhe.
Xa kuziwa kwi-inshorensi yokunganaki, igama eliphambili "lifanelekileyo." Ukuba unokungabaza, zibuze into eninzi abantu abangayenza ngayo imeko yakho. Ngaba babeza kuthatha ezo zitena zawa endlwini? Ngaba babeza kuphanda iphunga elihle elivela kwi-attic? Ukuba impendulo yakho ewe ewe, yenza okufanayo kunye nokunyaniseka akufanele kube yinkinga.