Yona yintoni na ixesha lobabalo?
Ixesha lobabalo lixesha lexesha kufuneka wenze inkokhelo yakho yomshuwalense emva komhla wakho oqhelekileyo.
Ukuhlawula ngexesha lenkxaso elinikeziweyo liya kuvumela umgaqo-nkqubo wakho womshuwalense ukuba uqhubeke ngaphandle kokuphelelwa yintengiso yomshuwalense .
Kude kube nini ixesha lobabalo?
Ngelishwa, ayikho ixesha elithile lomusa elinikezelwa ngabo bonke abathwali bomshuwalense. Liyahluka ngokwenene kumgaqo-nkqubo we-inshorensi kunye nombuso. Ezinye iinkqubo ze-inshorensi ziza ngobabalo lweentsuku ezintathu, kanti ezinye zinika iintsuku ezingama-30. Ezinye iikhampani zinika ixesha elifutshane lobabalo, kungekho mali yokukhawuleza kunye nexesha elongezelelweyo lobabalo olubandakanya umrhumo wexesha elifutshane.
Ngaba bonke abathwali be-inshurensi banikela ixesha lobabalo?
Ngelishwa, akubona bonke abathwali bomshuwalense okanye imigaqo-nkqubo inika ixesha lobabalo. Amanye amazwe, afana neNew York, awanakho ukunika ixesha lobabalo. Uya kuba neenhlanhla kangcono xa uqinisekisiwe ngumthengisi we-inshurensi yemakethe ekhethiweyo ngokubhekiselele kwipolisi yomshuwalense we-auto-risk. Iipolisi ezinobungozi obuphezulu zihlala zinika ixesha elincinci lobabalo kwaye ziza neemali ezifikeleleka kakhulu.
Ixesha lobabalo luyi-perk eyongezelelweyo, kungekhona imfuneko. Ungazicingeli ngokuzenzekelayo ukuba unesithuba senceba kunye nenqubomgomo yomshuwalense wemoto yakho.
Ngaba ndingayisebenzisa ixesha lomsindo nyanga zonke?
Abanye abathwala i-inshorensi bavumela abaxumi ukuba basebenzise ixesha labo lobabalo. Nangona kunjalo, akukaze kube yinto efanelekileyo yokwenza njalo.
Ukuhlawula kwithuba lenu lobabalo lonke inyanga kunokuba nemiphumo emibi kakhulu kumgaqo-nkqubo wakho kwixesha elizayo.
- Imirhumo yexesha eliqhelekileyo kaninzi ifakwe kwinkokhelo yakho xa uhlawula ngexesha lakho lobabalo. Imirhumo yexesha elifutshane iyakwazi ukuhluka phakathi kweendlela ezimbini ukuya kutsho kuma-dollar angamashumi amabini. Ukongeza olo hlobo lwenkokhelo kwi- premium yomshuwalense womshuwalense ungenza umehluko omkhulu kwindleko yomshuwalense wonyaka .
- Ukuhlawula ngexesha lakho lobabalo lingenokulibazisa nayiphi na isicelo sakho sokutshintsha. Uninzi lwabaxhasi be-inshurensi aluyi kucubungula isicelo sakho sokutshintshwa kude kube yintlawulo yakho yenyanga. Ukubamba inkokhelo yakho kunokunyusa iimpazamo kwi-inshurensi yemoto yakho kuba utshintsho alukwazi ukwenza ngokukhawuleza.
- Xa ukukhawuleza kwintlawulo yakho kunokuphazamisa isicwangciso sakho sokuhlawula esizayo. Kuphela iintsuku ezininzi ezinyangeni kwaye inkampani yomshuwalense iyadingeka ukuba ikuthumelele ibhili-mali ngeentsuku ezininzi. Ukuhlawula kwithuba lenu lobabalo lonke inyanga kunokurhoxisa inkqubo ukushiya ngokuhlawulwa kabini kwinyanga ezayo ukukufumana.
- Abathwali bomshuwalense abakhethiweyo bangabinako ukubuyisela umgaqo-nkqubo wakho womshuwalense wemoto xa uhlawula ngexesha lenu lobabalo lonke inyanga. Ukuba umgaqo-nkqubo wakho uphelile, ufuna ukubonisa ukuba ungumthengi omhle ohlala ehlawule ngexesha elifanelekileyo. Ukuhlawula ixesha lakho lobabalo ngokugqithiseleyo kunokunciphisa ithuba lakho lokubuyiswa.
Qaphela abathwali bomshuwalense abavumela ukuhlawulwa kwithuba lobabalo ngaphandle kweentlawulo zokuhlaziya kwaye ngamanye amaxesha ukuhlawulwa kokugqibela kwiprojekthi yokuhlawula. Ukungaqhelekanga oku njengaye kwenza ukuba kuphelelwe ngengozi kwithuba lokufikelela. Yazi ixesha lobabalo bomshuwalense we-inshurensi kwaye qinisekisa ukuwalandela.
Kuthiwani ukuba ndiyingozi ngethuba lam lobabalo?
Ingozi ingenzeka nanini na, nangona ngexesha lobabalo bakho. Ngethamsanqa kuwe, amabango aqhelekileyo, nangona kunjalo, iinkampani ezininzi aziyi kuqhubeka nebango kuze kube yilapho ubanjwe kwi ntlawulo yakho. Cwangcisa ukuhlawula intlawulo yakho emva kwexesha, intlawulo yakho yenyanga, kunye ne-deductible xa unayo ibango lakho. Yininzi yemali ukuza kunye nangoko. Yisona esinye isizathu esenza ukuba emva kwakho kwiintlawulo kunye nokusebenzisa ixesha lakho lobabalo luyinto engcono.
Yintoni eyenzekayo xa ndidlule ixesha lam lobabalo?
Ekupheleni kwenkathi yobabalo yomshuwalense wenqwelo-mali yakho inokumiswa ngu-inshurensi yakho: ngamanye amazwi, awusenayo inshuwalense yemoto, kwaye kwimihlaba yonke kodwa i-New Hampshire ne-Virginia, oku kuthetha ukuba uphula umthetho. Ukuba kwenzeka ingozi nangomhla omnye emva kwexesha lakho lobabalo, wena ngokwakho, ngaphandle kwenkxaso evela kumgaqo wakho wangaphambili. Amaninzi athi kwakhona ahlawulisa umhla wokuhlawula xa ubanjwa ngaphandle kwe-inshurensi yemoto.
Ukufumana i-inshorensi yakho kwakhona kwisithuthi sakho kukho izigwebo ezininzi, eziqhelekileyo zithetha izinga eliphezulu okanye ukhetho olungqongqo lwecebo lokukhetha. Mhlawumbi unokufumana inhlanhla engcono ngokusebenza ngqo kunye negosa lakho le-inshurensi kunokuba uthumela izimvu ngokuhlawula kungekho ntetho. Ekugqibeleni, kuya kumntu ngamnye we-inshurensi okanye nokuba awuyi kubuyisela umgaqo-nkqubo wakho.
Ixesha lobabalo likhona ukukunceda ngexesha lexesha eliphuthumayo leemfuno, kungekhona njengosuku olutsha olufunekayo. Ukuba awuyithandi umhla wakho wokuhlawula okanye awuyi kuphazamiseka inikwe indlela yakho yokuhlawula ngayo yonke inyanga, cela ummeli wakho we-inshurensi ukukunceda utshintshe usuku olufanelekileyo. Ukuba ukuthumela kwi-intlawulo yakho yintlekele, jonga ukuhlawula i-intanethi nge-deposit ngqo okanye kwikhadi lekhredithi. Musa ukuxhomekeka kwithuba lakho lobabalo lonke inyanga; kuya kuhlala ibiza imali ngaphezulu ekupheleni.