Yiyiphi i-"A" eneRated Insurance Company?
Ngokuqhelekileyo, inkampani ye-inshorensi ye-"A" ithathwa njengomntu owenza phezulu kwishishini layo ngokuthenga ngetyala (ukukwazi ukuhlawula abathengi kunye nokuhlawula naziphi na izimangalo ezinikeziweyo) kunye nendlela eqhuba ngayo imali xa kuthelekiswa noontanga.
Kwimibutho engundoqo yemilinganiselo, abaninzi banika amanqaku avela kwi "A" okanye ngasentla kwi-"C" okanye "D" isilinganiselo (iziphumo zeC okanye iD zibhekwa njengebuthathaka kakhulu.)
Ngubani ofuna i-"A"?
Ukomelela ngamandla okomeleleyo kwemali yenkampani yomshuwalense, mhlawumbi kukuba akuyi kuba nako ukungaphumeleli kwemali kwaye mhlawumbi uvale iingcango zayo. Ufuna inkampani onokuxhomekeka kuyo ukuba ube ngeenxa zonke xa kuyimfuneko kakhulu. Kwiinkontrakthi ezithile, abakwazi ukugqiba umsebenzi ngaphandle kokuba bangabonisa ukuba banesifo se-inshorensi ngokusebenzisa umphathi we-"A" njengomqathango wesivumelwano.
Konke "ukulinganisa" akukona okufanayo
Iinkampani ze-inshurensi zifumana ukulinganiswa kwamandla emali kwiinkampani zomshuwalense ezihlalutya ngokucophelela kwaye zivavanye ukusebenza kwezimali kwenkampani ebesidlulileyo, yangoku kunye nekamva. Ezinye zezinto ezibalulekileyo ezisetyenziselwa ukucacisa ukulinganiswa kweenkampani zomshuwalense kubandakanya ukugcinwa kwemali, imbali yentlawulo yemali, ugxininiso lwezoshishino kunye nesakhiwo senkampani kunye nesitayela sokulawula.
Inkonzo nganye ye-inshorensi yenkxaso-mali isebenzisa indlela yayo yokumisela amaqondo ahlukeneyo okulinganisa amandla kunye nokubaluleka kwazo.
Njengoko usenokukrokrela, zonke izilinganiso "A" azilinganiswa xa kuziwa kwiinkampani zomshuwalense. Enyanisweni, kuxhomekeke kwiyiphi inkampani yokulinganisa oya kujonga kuyo, kunokubakho iinqanaba ezihlukeneyo ze "A" ukulinganisa, zonke ngeentsingiselo ezahlukeneyo.
Unokuhlolisisa ukulinganisa ngeenkcukacha ngokubanzi kunye nencazelo nganye kwiziko leNkxaso yeNkxaso yeNkxaso-mali nganye :
- AM Best :
- Fitch :
- Moody's :
- I-Standard & Poor's :
Uluhlu lwabanye "I-A" yeeNkampani eziThengisiweyo okanye eziNgcono
Olu luhlu aluthethi ukuba luthe gqityi kwaye kukho ezinye izinto ezingaphezulu kwee-inshurensi ezinomgangatho ophezulu kunokuba zibhalwe ngezantsi. Nangona kunjalo, ukuba unokuzingela ixabiso elifanelekileyo kwi-inshurensi nkqubo , nantsi ezinye zezona nkampani eziphezulu okanye ezibhekiselele kwi-inshurensi ezinokubaluleka ukujonga:
I-AIG : Ingcono kakhulu: "A"; Fitch: "A"; UMoody's: "A1"; "I-Standard & Poor's:" A + ". I-AIG ibhala inshuwalense yomshuwalense, ingozi kunye nenyhuwalense yezempilo, i-inshurensi yokubolekwa ngemali, i-inshurensi yokuhamba, kunye nezinye izinto ezinokwakheka kwe-inshorensi.
I-GEICO : AM Eyona ndawo: "A ++"; I-Standard & Poor's: "AA +". I-GEICO ibhala imoto, ipropathi kunye ne-inshorensi yoshishino kunye nemveliso ye-inshorensi eyongezelelweyo ye-sambulela, ubomi, ukuhamba, ngaphandle kwezilwanyana, ukhuseleko lwesazisi, i-pet and jewelry.
Inkqubela phambili : AM Best: "A +"; I-Standard & Poor's: "AA"; Fitch "AA". Inkqubela phambili ibhala imizila ye-inshurensi kunye nezoshishino kuquka imoto, isithuthuthu, abanini bezindlu, abaqeshisi, ubomi, impilo, i-auto auto kunye ne-inshurensi yesikhephe.
Abahambahambayo : AM Best: "A" okanye ngaphezulu kwazo zonke iinkampani zokuhamba; Fitch "AA"; UMoody's: "Aa2"; I-Standard & Poor's: "AA." Abahambahamba babhala imigca emininzi kuquka oku: i-inshurensi yomntu- Auto , umninimzi , iCondo, abaqashi, uMkhukula, iBeti & Yacht, i-Umbrella, i-Wedding & Imicimbi yabucala, ukuVimba kweNkcukacha yoKhuselo kunye neMpahla exabisekileyo. Umshishini-mali kunye neNkcenkcesho yengozi eyimfuneko: Inqubomgomo yomnini-shishini, umbane kunye noMatshini, Inyuniti-mboleko yendalo yendalo , i-Insikelelo eyongeleleyo, iiMveliso zehlabathi, iiNdiya zamaNdiya, i-Inland Marine, iPropati yeSizwe, uLwandle lwaManzi olwandle, uLwabiwo-mali, u-Umbrella kunye neMbuyekezo yabasebenzi.
USAA : USAA inika i-inshurensi kumalungu enkonzo yaseMelika. AM Amanani amanqanaba ama-USAA njenge "A ++" aphezulu. I-USAA ibhala isithuthuthu, imoto, abanikazi bezindlu, ubomi kunye ne-inshorensi yempilo kwaye inikezela ngeenkonzo zebhanki kunye notyalo-mali.
IHartford : AM I-Best Best: "A"; Fitch: A +; I-Moody's: A2; I-Standard & Poor's: A. I-Hartford inikeza i-inshurensi nemveliso yezemali kubini shishini kunye nabantu ngabanye kubandakanywa: Umshuwalense wenzalo (kubantu ngabanye kunye negalelo elikhethekileyo labathathe umhlala-phantsi nge- AARP ), Umgaqo-nkqubo wabanini-shishini, iMbuyekezo yokuSebenzi, Ukukhubazeka koBomi, ukukhubazeka koBomi, ukuSetyenziswa koBucala, ukuThuthukiswa koMkhukula , IiNdawo zoRhwebo, uLondolozo lweNgcaciso loLwazi, i-Fleet Insurance, iGosa eliPhezulu leMali, iNtshuwalense yeNtsholongwane, i-Surety & Trust Fonds. Umgaqo-nkqubo, iMbuyekezo yabasebenzi, ukukhubazeka kweQela lokuPhila, uViwo lweZorhwebo, uMkhukula wezorhwebo, iiPropati zoRhwebo, ukuKhuselwa koLwazi lwe-Breach, i-Fleet Insurance, iGunya eliPhezulu, iNkxaso-mali yomhlaba wonke, i-Surety & Fidelity Bonds kunye noMshuwalense we-Marine.
I-MetLife : AM Best - A + Superior; Inkonzo ye-Moody's Investor - Aa3 (Umgangatho ophezulu ngeengozi ephezulu kakhulu yeMali); I-Standard & Poor's (S & P) - I-AA- (I-S & P ye sibini Isisindo esiphakamileyo). I-MetLife inikeza iimveliso zomshuwalense wezempilo, amazinyo, ukukhubazeka, i-annuities, inshurensi yemoto kunye nekhaya. Ukongezelela, kunika imveliso yezemali kuquka ukucwangciswa komhlala phantsi, iinkonzo zokuboleka imali kunye neenkonzo zolawulo lwezobutyebi.
IFama yeFama: Zonke iinkampani zeeFama zeFama ziyafumana kunye ne-A (ezigqwesileyo) ukusuka kwi-AM Best. I-Farm Bureau inikeza ngemoto, ipropathi kunye ne-inshurensi yobomi kwongezelelweyo kwiinkonzo zentengiso kunye neenkonzo zemali Ipropati kunye nempahla ye-inshorensi yecala iyafumaneka kwi- AZ , IA , KS , MN , NE , NM , SD kunye ne- UT . I-inshorensi yobomi kunye nemveliso ye-annuity iyafumaneka kwi- AZ , IA , ID , KS , MN , MT , ND , NE , NM , OK , SD , UT , WI kunye ne- WY.
Ifama yaseburhulumenteni : AM I-Best Best: A ++ (Superior) rating; I-Standard & Poor's: AA. Iifama yeSizwe inika i-inshurensi yomnini-mali, i-inshurensi ye- renters, i-inshurensi ye- condo, i-inshurensi ye-motorcycle, i-inshorensi yobomi kunye neenkonzo zebhanki kunye nezezimali ngokusebenzisa i-agents zayo zonke e-United States
IHanover : AM I-Best Best: "Eyona nto ibalulekileyo; I-S & P: "A-"; Moody's: A3. I-Hanover inikezela ngemveliso yoshishino, i-specialty kunye nempahla yomshuwalense kubandakanya: i-General Gestion, Policy Policy Owner, Ipropati, i-Auto Auto, i-Umbrella, iMbuyekezo yeBasebenzi, uLwandle, uXanduva lwaBasebenzi, uxanduva lokuLawula, uQinisekiso, uNgqongqo lwezoThengisa kunye nokuPhezulu, umNgcipheko wezeMveliso, uLondolozo lwezeMpilo. , Ngokuzenzekelayo, abanikazi bezindlu, iiManzi, izinto ezixabisekileyo zeBantu, i-Umbrella, Ukuchonga Intsholongwane yeNtsholongwane kunye ne-Inns / Fire inshurensi yomlilo.
U-Erie Intshuwalense : U-Eric Intshuwalense yi-"A +" inkampani ephakamileyo ephakanyisiwe ngu-AM Best. Inika ngemoto, abanini bezindlu, impahla kunye nexanduva, ubomi kunye ne-inshorensi yoshishino. Ikwabonelela kwakhona ngesicwangciso sokulondoloza umhlala-phantsi kunye nezibonelelo. I-Erie Insurance iyatholakala kwiSithili sase-Columbia: e-Illinois, e-Indiana, e-Maryland, e-New York, e-North Carolina, e-Ohio, ePennsylvania, eTennessee, eVirginia, eWest Virginia naseWisconsin.
Intsapho Yomshuwalense YaseMelika : Intsapho Yomshuwalense YaseMerika ine-"A" isilinganiselo esihle kakhulu ngo-AM Inika imoto, ikhaya, ubomi, ishishini, ipulazi / i-ranch kunye ne-inshurensi ye-renters kumazwe angama-19.
I-Amica Mutual Intshuwalense : Inkokhelo ye-Amica Mutual Inqununu "I-++" iphezulu ngo-AM Best. Inika i-auto, abanini bezindlu, uxanduva lomntu kunye ne-inshorensi yobomi kulo lonke elaseUnited States.
Ehlabathini lonke : AM Best "A +" Supreme; UMoody's: "A1"; I-Standard & Poor's: "A +." Uwonke wonke ubhala ngemoto, isikebhe, isithuthuthu, abanini bezindlu, abaqeshisi, ubomi, iqela lezokwelapha, ishishini, ipilisi kunye ne-inshurensi yefama kwimimandla yase-US.
Ukhuseleko lokuBambisana : AM I-Best Best: "A" kakhulu; I-Standard & Poor's: "A" Strong; Moody's: "A2" Kuhle. Iimveliso zomshuwalense ezinikezwa ngo-Liberty Mutual ziquka abanikazi bezindlu, i-auto, isithuthuthu, ukukhubazeka kunye neqela.
Oko kuthetha konke kuWe
I-"A" okanye uphawu olungcono kwiinkampani zomshuwalense kubalulekile kuwe njengomthengi womshuwalense kuba kukukunceda ukuba ugwebe ukuba yeyiphi iinkampani ezenza ngcono kwiindawo zokuthenga ngetyala kwaye ziza kuba ziphi na xa uzifunayo kwixesha elingaqinisekanga. Kakade ke, ngelixa uvavanyo oluphezulu kakhulu lwezezimali luyinto ebalulekileyo ekuqaliseni ukuba iyiphi inkampani yomshuwalense inokuba yinto efanele kuwe, kukho nezinye iimeko ekufuneka zithathe ingqalelo njengenkonzo yabathengi, ixabiso elifanelekileyo kwintengo kunye nokwaneliseka kwabathengi.
Kukho imibutho emininzi kwongezelela kwimibutho ye-inshorensi eyinokukunceda ukuba ufumane umfanekiso opheleleyo wenkampani yomshuwalense ukusebenza kuquka iinkampani ze-inshurensi ze - Intanethi eziphezulu ze-Ward , i- Comdex Usetyenziso , i- JD Power & Associates , i-Business Business Bureau, i-Insure.com's People's Iibhaso zokukhetha , kunye ne -Index ye-American Customer Satisfaction Index (ACSI) . Izixhobo ezingaphezulu, unokuxhotyiswa ngakumbi ukuba ufumane uncedo lwe-inshorensi efanelekileyo kuwe nakwintsapho yakho.