Kutheni Kutheni Umoto Wakho Ulungele?
Inkcazo: Ixabiso elinciphileyo yilahleko ebonakalayo kwixabiso lezithuthi ezilandela ingozi yemoto .
Kuthetha ukuthini ukuba ukuba imoto yakho yonakaliswe engozini yemoto, nokuba iyalungiswa kwaye "iyafana neyomtsha", inyaniso yokuba inomlando wonakalo, okanye ithathwa njengesithuthi esengozini, iya kwenza ixabiso layo libuyele ngaphantsi kwamehlo yabathengi.
Abanye abantu bacinga ukuba isizathu sokunciphisa ixabiso ngenxa yeempawu ezilandelayo , kodwa oku akunjalo kuphela. Kwanokuba izithuthi ezilungiswe kumthengisi eneendawo ezisemthethweni ezisemthethweni ziya kuba nexabiso elinciphileyo xa lilungiswe ngokupheleleyo.
Kutheni Kuthetha Ukuba Imoto Inciphisa Ubungakanani Emva Kwengozi?
Isizathu sokuba inqwelo yexabiso lemoto iyancitshiswe nje ngenxa yokuba sele yengozi. Xa imoto yakho ibhaniswe ukuthengiswa emva kwengozi, ubhekene nexabiso elinciphileyo.Ukubandakanyeka kwengozi yedwa kuye kwadala ukuhlaziywa okunciphisisiweyo okanye ixabiso lokuthengisa xa kuthelekiswa nezinye iinqwelo zorhwebo olufanayo ezingazange zenzeke ngengozi. .
Umzekelo wexabiso elinciphileyo emva kwe-Accident Car
Cinga lo mzekelo: Unemoto entsha. Emva kwengozi, inkampani yakho yomshuwalense yenze imoto yakho ibuyele kwimeko yayo yasekuqaleni.
Uhamba ukuthengisa imoto yakho kwaye ekubeni umthengi omtsha ukhangele ingxelo yengxelo yemoto kwaye wafumanisa ukuba yengozi, abavumelanga ukuhlawula nayiphi na into ecaleni kweso sithuthi sakho.
Kwiimeko ezinzima kakhulu, abanye abathengi abayi kuqwalasela ukuthenga imoto yakho yonke loo nto kuba yengozi!
Kwimeko enjengale, isithuthi sakho senze okungaphezulu nje kokulimala komzimba , kuye kwabangela ukulahleka kwexabiso layo.
Imoto Ifumana njani "ixabiso elinciphileyo"
Kukho iindlela ezintathu apho imoto inokugcina ixabiso elinciphileyo emva kwengozi yemoto enokukwenza ukuba uqwalasele ukufaka ibango .
Iintlobo ezi-3 zexabiso elincinciweyo: Iinkcazo
- Ixabiso elikhawulezileyo elincinciweyo - Ixabiso elinciphile ngokukhawuleza liyinto eyahlukileyo ekubuyiselweni okanye kwixabiso lezorhwebo lemoto phambi kwengozi emva kwengozi xa ukulungiswa kwenziwe.
- Ixabiso elincinci elincinciweyo - Ixabiso elincinci elithintekayo lithatha isithuthi silungiswe emva kwengozi kwimeko yaso yangaphambili, ngaphandle kwelokuba ngoku libhekwa njengesithuthi esele sengozini. Le ngcamango iyanciphisa ixabiso umntu angayifumana kwisithuthi xa bezama ukuyithengisa okanye bayithengise kuyo, xa kuthelekiswa noko bayeza kufumana ngaphambili, njengomzekelo ongentla.
- Ukulungiswa Ukudibanisa Ixabiso elincinciweyo - Ixabiso elincinciweyo lokulungisa elinciphileyo lixabiso elilahlekileyo elikhokelela ngokukodwa kumgangatho wokulungiswa, umzekelo, ukuba umbala wepende awunomdlalo ogqityiweyo okanye ukuba izixhobo eziqhelekileyo zisetyenziselwa ukulungiswa okanye izixhobo ezilandelayo, Umgangatho wokulungiswa ushiye ilahleko ecacileyo kwintengiso kwisithuthi esilandelayo ingozi, ngaphaya kwexabiso elincinci elincinci elisele likhona kwengozi yedwa.
Ixabiso elinciphileyo linokuchaphazela ukuxabiswa kwemoto kumanqanaba amaninzi emva kwebango.
Emva kokuba uqonde zonke iinkalo ukuba ixabiso lakho lezithuthi liyakwazi ukuxhomekeka kwiimeko ezahlukeneyo, unokufuna ukucinga ukuba uzama ukuhlawula ixabiso eliye lahlehla emva kwengozi yemoto yakho ngokwenza ibango le-inshurensi yexabiso.
Yiyiphi i-Incinished Value Intanethi yerhorensi?
I- Incinished Value Intlawulo ye- inshurensi xa ucela imali enkampanini yomshuwalense wemoto ukuba ikuhlawule ngokuthe umahluko phakathi kwexabiso lemoto yakho ngaphambi kokulungiswa (phambi kwengozi) kunye nexabiso langoku ngoku lilungisiwe. Eli xabiso lingaba lula kwiiyure ezingamawaka ezimbalwa kwizithuthi ezintsha.
Ingaba Inkampani Yomshuwalense Iya Kuhlawula Ixabiso Elinciphile Kwimangalo Yam?
Uyakwazi ukuhlawula ixabiso elinciphileyo emva kwebango, kuxhomekeka kwiimeko, kunye neliphi uhlala kuzo. Inkampani nganye yombutho kunye ne-inshorensi inemigaqo eyahlukileyo. Iinkampani zomshuwalense azihlali zihlawula ixabiso lemoto elinciphileyo kodwa abathengi abaninzi banomuvo wokuba uxanduva lwekampani yomshuwalense ukuhlawula ibango lexabiso elincinci.
Iinkampani zomshuwalense kwiinkoliso ezininzi ziya kucinga ukuba ngubani ojongene nengozi ukugqiba ukuba ngaba uya kuhlawula ixabiso elinciphileyo. Kwamanye amazwe, abanakho ukuhlawula konke.
Ixabiso elinciphileyo emva kweNgeko engeyiyo
Ukuba unobungozi obungenazo uxanduva, inkampani yomshuwalense inokuthi ikhuphe ibango lexabiso elinciphile.
Xa omnye umntu enoxanduva lokulahlekelwa kwakho, unokukwazi ukulandela ngokusemthethweni iqela lesithathu (umntu ojongene nengozi) okanye umgcini-mali, kodwa uhlale ucela inkampani yakho yomshuwalense ukuba ihlawule ibango lakho kuqala, linokusindisa ezininzi ngxaki.
Ukubanjiswa kweeNkcazo zokuBala kunye neeMoto eziNcedisiweyo
Ukuba ingozi yakho iyimpazamo ye-motorist uninsured, cela inkampani yakho ye-inshurensi malunga nebango lexabiso elinciphileyo, amaninzi amaninzi aya kuvumela iibango zenani elincinciweyo elihlawulwayo kwinxalenye engaboniswanga ngumqhubi we-inshurensi.
Ixabiso elinciphileyo emva kweNgeko eXanduva
Ingozi ezithintekayo ziyimpembelelo enoxanduva lwakho, ngoko ke umbono malunga nokuba inkampani yomshuwalense kufuneka ihlawule ngokubaluleka kwexabiso elithe gqitshiweyo kunokuba xa ingozi ingekho iphoso lakho. Unokuba nexesha elinzima ukuzama ukuqokelela nayiphi na inkampani yakho yenkampani yomshuwalense ukuba ibango liqwalaselwa ngenxa yengozi enoxanduva. Ukuba unomshuwalense wezomthetho okanye ufikelele kumcebisi wezomthetho ongezantsi, ungabonisana negqwetha lakho ukuba ufumane ukuba amathuba okuhlawulwa aya kusekelwe kwimimiselo yakho. Akukubi ukuba ufumene ukuba inkampani yakho yenkampani yinshurensi ikulungele ukwenzela wena ngokukodwa, kodwa, ngokubanzi, le meko ayinakho ukuhlawula ixabiso elincinci.
Indlela yokuhlawulelwa ngokubaluleka kweNqwelo yakho kwiNkampani ye-inshurensi
Ngoko, kufuneka uyenze ntoni ukuba ufuna ukugqitywa ngokubaluleka kwenqwelo yakho? Okokuqala, hlola inkampani yakho ye-inshorensi ukuba ubone ukuba ngaba banikezela ixabiso lokuthengisa. Ezinye iinkampani ze-inshorensi zisenokuba zibonelele ngemigaqo yazo yangoku okanye njengengxelo ekhoyo.
Indlela yokuFakraza ixabiso elinciphileyo emva kweNqwelo yeCar
Ukuba ufuna ukwenza ibango lexabiso elinciphileyo, kuyacaca ukuba kuya kufuneka ukuba ufumanise ukuba ixabiso lemoto yakho lilahlekile kangakanani ngenxa yengozi. Ukuba isithuthi sakho siphelile kwaye asinanto eninzi, ibango lexabiso elincinci lingazange lenze ingqiqo kuwe, ngakumbi ukuba ucinga ukuya enkundleni ukufumana intlawulo yakho.
Iindlela ezimbini zokujonga ixabiso elinciphileyo kwi-Car yakho
- Indlela elula yokufumana ingcamango esheshayo kukusebenzisa isayithi e-intanethi njenge-Edmunds.com okanye iKelley Blue Book ukufumana ukuba ixabiso leemoto yakho liya kuba phantsi kweemeko eziqhelekileyo (ixabiso langaphambi kweengozi). Emva koko unokucela umthengisi wakho wemoto ukuba akunike ixabiso lentengiso kwisithuthi sakho ngoku ukuba wenze ingozi. Oku kufuneka kukunikeze i-ballpark ingcamango yexabiso elinciphileyo kukukunceda ukuba unqume ukuba kuyakufanelekela ukulandela ibango lexabiso elincinci. Gcina ukhumbule ukuba ixabiso lokuthengisela imoto lomthengisi lingahle libe yinto efanelekileyo kakhulu, kodwa ukuba banokukunika isipho esibhaliweyo esibonisa ukuba ixabiso leemoto alikho ngenxa yokuba liye labandakanyeka ngengozi, ngoko kulungile ngokwaneleyo ukuqonda kwakho.
- Indlela yesibini yokuqinisekisa ubungakanani obuncitshiswayo kukufumana uphononongo olusuka kwiinkampani ezijolise ekunciphisanisweni kwexabiso le-inshorensi yexabiso. Le nto iya kuba yinkcazelo ethembekileyo xa ufuna inombolo eqinisiweyo, qiniseka ukuba umhloli wakho ufanelekile kwaye uyaqatshelwa ngabaxhasi.
Ziziphi iiNkampani eziza kuhlawula iindleko zamabango eziNciphiso?
Emva kwesigwebo ngo-2001, iGeorgia yatshintsha imigaqo yabo ukuquka ukuhlawulwa kweemali zamanani ezincitshisiwe. Ukususela ngoko, abaninzi abanomshuwalense baya kuqwalasela ibango lexabiso elinciphileyo ukuba amaxwebhu axhasayo okanye iimeko zenza ingqiqo. Ezinye iivumile ukuba iinkampani ze-inshorensi zifuneka ukuba zihlawule ixabiso elinciphileyo, ngoko ke ukuba ungomnye wale ndawo, akufanele ube neengxaki. Ukuba ufuna ukwazi ukuba urhulumente wakho ngokubanzi ubandakanya iimangalo zexabiso elinciphileyo, unokuqhagamshelana nomkhomishinala wakho we- inshurensi yomhlaba .
Indlela yokwenza i-Incinished Value Claim
Emva kokuba unokuvavanya kwakho kwaye wazi ukuba uza kuthatha ubuninzi kangakanani ibango ngokunciphisa ixabiso kunye nawo onke amaxwebhu axhasayo, unokubonisa ityala lakho kwinkampani yomshuwalense kwaye ucele impindiselo xa ufaka ibango lakho.
Yintoni Ongayenza Ukuba Ubakho Umshuwalense Awuyi Kuhlawula Ixabiso Eliyithinteleyo Emva Kwengozi Yakho Imoto
Ukuba uzama ukuqokelela kwibango lokunciphisa ibhanti kwaye unqatshelwe yinkampani yakho yomshuwalense, iya kwi- inshorensi yakho yaseburhulumenteni yokuqala. Ukuba awufumani ncedo apho kwaye ukuba kubalulekile ngokwaneleyo kuwe, unokuqesha ummeli ukukunceda ukuba uphinde uzuze ixabiso lentsimbi yakho. Gcina ukhumbule ukuba kukho ezinye iinkampani onokuzifumana kwi-intanethi ekhethekileyo ekufumaneni iinkampani ze-inshorensi ukuhlawula ixabiso elincinci lemoto yakho kodwa qinisekisa ukuba uphando kwinkampani kuqala ngaphambi kokubanika imali.