Ukujongana noBoba bemoto
Ukhangeleka ngenye indlela phambi kokuba ubize u-911. Ngethuba lokuba amapolisa afike kwindawo yesehlakalo, uzama ukukhumbuza iinkcukacha ezininzi njengoko unako malunga nesithuthi sakho, kwaye unethemba lokubuya kwalo ngokukhuselekileyo.
Unokwenza ntoni ukuba isithuthi sakho sebiwe? Ngaba uyazi indlela inkqubo yokubanjwa kwe-inshurensi yemoto yentshontsho? Ngokukhawuleza kunye nokunyuka kwe-adrenaline, kufuneka uhlale uxolo kwaye ucinge ngokucacileyo. Impendulo yakho yokuqala kufuneka kuqinisekiswe ukuba akukho ncazelo ekhoyo ukuba ichaze imoto yakho ekhoyo. Ngaba ubeka ipaki ngokungekho mthethweni ukuba wenze ukuba inqwelo yakho ishenxiswe? Ngaba usengozini yokuba isithuthi sakho siphindwe? Oku kunokuhlazisa kakhulu ukufaka ifom ye-inshorensi yemoto yentshontshi kwaye iipolisa zibika nje ukuba ziqaphele ukuba azibiwe emva koko. Emva kokuba usebenze ngezinye izizathu zezithuthi zakho ukuba zilahleke kwaye unqume ukuba isithuthi sakho sebiwe ngokuqinisekileyo, sekuyisikhathi sokuqala inkqubo ye- inshuwalense yemoto .
Ngaba ubusela bubekwe kwi-inshurensi yemoto yomshuwalense?
Kulo lonke urhulumente e-US, kufuneka ubambelele ngokubanzi kwinkcazo yakho yomshuwalense ukwenzela ukuba ufumane inkcazo yesithuthi eselebiwe. Nangona imoto yakho yebiwe kwindawo yakho yokuhlala, kuphela umgaqo-nkqubo wezemoto kunye ne-coverage ebanzi iya kuhlawula ilahleko yakho, kungekhona yakho yomshuwalense wekhaya.
Kuyinto engafanelekanga into ephambili yomgaqo-nkqubo wekhaya uza kufaka isithuthi kwaye ayinyani. Imigaqo-nkqubo yokuzenzekelayo ikhuphela i-autos kunye nemigaqo-nkqubo yekhaya ikhupha amakhaya
Inkqubo yoBango
Imoto eyebiwe idinga ukuba ibhalwe ngokukhawuleza kwangoko ngamapolisa. Kufuneka ukwazise inkampani yakho yomshuwalense ngokukhawuleza kwimeko ngokuqhagamshelana nommeli wakho we-inshorensi okanye ubiza inombolo yenkonzo yabathengi . Ummeli wakho we- inshorensi unokukunceda ukuba uqinisekise ukuba unayo inkcazo ebanzi efakwe kwipolisi yakho kwaye unokunceda ufake ifowuni.
Iinkampani ezininzi ze-inshorensi zifuna ixesha elinde lokulinda ukuba ibango lebibi lemoto libiwe. Ngokuqhelekileyo ixesha lokulinda leentsuku ezingamashumi amathathu ukuze ubone ukuba isithuthi singabuyiselwa. Ixesha liqala ngokukhawuleza ngexesha lelo libiwe kwaye kungekhona xa ufaka ibango. Buza i-inshurensi yakho yiphina ixesha elifunekayo ukuba ibango lakho ligqitywe.
Uphando loLwabiwo lweMoto
Iibango zokuba utywala, nokuba ngaba zihambelana nezithuthi okanye izinto zakho, zihlala ziphandwa ngokugqithiseleyo ngabaguquleli be-inshorensi . Yilungiselele iingxoxo ezirekhodiweyo kunye nesisombululo sokubango njengenxalenye yenkqubo yemigangatho yenkampani. Musa ukuthatha le mibuzo.
Yona msebenzi we-adjuster ukuba ukhangele ibango lobuqhetseba. Ulwazi oluqhelekileyo oluqokelelwe ngexesha lwenkqubo yamabango lubandakanya:
• Umhla kunye nexesha lokuba
• Unyaka, yenza, umzekelo, kunye ne-Mileage yeSithuthi sebiwe
• Indawo yeSithuthi
Iingxelo zePolisa
Ukujongana neRhafu yokuLawulwa kweMali
Oku kulungile: ukuba imoto yakho ibiwe, unayo ibhanti yokulahlekelwa ngokupheleleyo kwizandla zakho. Uya kufuneka ufike kwisivumelwano kunye nesisombululo se-inshurensi malunga nexabiso langoku lezithuthi zakho ekunciphiseni. Emva kokuba kwenziwe isivumelwano, kuya kufuneka ukuba ube nekhredithi yakho, ukuba unomboleko, vala kwisihloko. Ekugqibeleni, kufuneka usayine isihloko kwi nkampani yinshuwalense. Awusayi kuba nobunini besithuthi. Ukuba isithuthi sifumaneka emva kokuba ibango lihlaziywe, inkampani yomshuwalense iya kuba nobunikazi.
Kunokwenzeka ukwenza isivumelwano kunye nenkampani yomshuwalense ukuba isithuthi sifumaneka kwaye ufuna ukuyithenga.
Kuthiwani ngengozi kwi sithuthi xa ifunyenwe?
Olupheleleyo luya kugubungela umonakalo kwisithuthi sakho ukuba ifunyenwe yonakaliswe. Isela lingatshatyalalisa ingaphakathi lakho okanye liphazamise isithuthi. Ukulungiswa kuya kugutyungelwa ngokubambisana okubanzi kunokuba ususwe.
Ngaba kukho ukuhanjiswa kwezinto zakho kwimoto eyebiwe?
Isithuthi sakho sebiwe kunye nezinto zakho ezininzi. I-GPS, isihlalo semoto, izipho zeKrisimesi, okanye iiCD, uluhlu alupheliyo lwento enokulahlekelwa yithuthi yakho. Izinto zomntu kwisithuthi azifihla phantsi komgaqo-nkqubo wakho wezemoto. Uzodinga ukuthenga umgaqo-nkqubo we-inshorensi yomnini-mali okanye umnini-mali (ngaphandle kokuba uhlala kwiSixeko saseNew York - ke izinto zakho azifihliwe naphi na kumabhanki amahlanu engekho ngaphakathi kwekhaya lakho). Ingxaki enkulu ngokufihla umgaqo-nkqubo ohlukeneyo unyanzelekile ukuba uhlawule i-deductible eyahlukileyo. Ukuba unayo yomshuwalense we-auto kunye nekhaya kunye ne-inshurensi efanayo, jonga nabo ukuba ubone ukuba unako ukudibanisa kwixabiso elilodwa lokulahleka. Abathwali bomshuwalense abahlukeneyo ngokuqinisekileyo abayi kugoba kwi-deductible yakho. Esinye isizathu esihle sokuba ne- inshurensi yakho enye inkampani yomshuwalense .
I-Anti-Wift Device Discount
Ubungakanani bokuba imoto yakho yebiwe isekelwe kakhulu apho uhlala khona. Uninzi lweenkampani zomshuwalense zinika isaphulelo sokuba ne-alamu yemoto. Ukulondolozwa okufunyenweyo kusekelwe kwindlela ohlawula ngayo imali epheleleyo. Ngokuqhelekileyo ukulondoloza kubonakala kuyincinci ngenxa yokuba isaphulelo sokulwa nesaphulo sisebenza kuphela kwiinkcukacha ezipheleleyo kwaye kungekhona umgaqo wakho wonke.
Ukuba awuqinisekanga yintoni umgaqo-nkqubo wakho ubandakanya ngayo, qiniseka ukuba ufunde nge-inshurensi yemoto ngokuphonononga kunye ne-arhente yakho okanye ukufunda kwi sifundo. Ukwazi indlela umgaqo-nkqubo wakho usebenza ngayo ngaphambi kokuba imeko ibango ikhuphe iyakunciphisa uxinzelelo oluninzi. Khumbula ukuba uhambe phezu kwenqubomgomo yakho yomshuwalense wenqwelo-mali ngokugqibeleleyo yonke into yokuvuselela ukuqinisekisa ukuba unomsebenzi ofunayo.