Zonke izingozi zeemoto zezilwanyana zinokuthi zikhutshwe yi-inshurensi yemoto yakho xa uthenge ukuthenga okubanzi .
Izinto ezimbalwa kufuneka zifake ibango .
- Ukulimala kufuneka kudlule i-deductible yakho
- Ingxelo yamapolisa yinto efanelekileyo
Iingcebiso zeeNdidi zezilwanyana
Yintoni eyenza ukusingatha ukubetha iintlobo ezahlukeneyo zezilwanyana ziyahluka nokuba ingaba isilwanyana sinomnikazi. Abanini bemfuyo bahlala bexanduva lokufumana ingozi yemoto yezilwanyana. Ndizama ukungagqithanga amehlo am xa ndibiza kwi-claimer yesondlo kumxhasi kwaye ummeli ubuza ukuba idosa inomnikazi. Ndicinga ukuba nantoni na into eyenzekayo kodwa ininzi yezilwanyana zinyango ngokude ndiyazi. Yonke inxalenye yenkqubo ukuze ibango lingeniswe ngokuchanekileyo. Azikho zonke izilwanyana ezidweliswe apha kodwa uya kufumana ingcamango.
Ndiyifake i-Deer
I-Deer kulula ukuba izilwanyana eziqhelekileyo zibethe kwiindlela zakwa-US. I-Deer inkulu ngokwaneleyo yokwenza umonakalo omkhulu kwimoto yakho kwaye ngamanye amaxesha inokubangela ukulimala kumqhubi kunye nabagibeli. Konke kuxhomekeke kwisantya sithuthi kunye nohlobo lwesithuthi. Ngenxa yokuba inyamazane ixhaphake, yinto efanelekileyo yokufumana ingxelo yepolisa.
Iingxelo zamapolisa ziyafumaneka xa usanda kuthenga umgaqo-nkqubo wakho womshuwalense wemoto okanye ukuba usandul Ingxelo yamapolisa iya kuqinisekisa ingcaciso malunga neengozi kwi-inshurensi yebhanki yakho. Abanye abathwala i-inshorensi abayifuni ingxelo yepolisa, kodwa ukuba awuqinisekanga uhlole i-agent yakho ukuze uqinisekise.
Ndiyifake Inja
Ukubetha inja kuyinto eyahlukileyo xa kuthelekiswa nokubetha ezinye izilwanyana kuba inja ihlala inabanikazi. Abanikazi banomthwalo wemonakalo obangelwa yinja yabo xa bengavinjelwe kakuhle. Oko kuthetha ukuba, xa ubetha inja yomntu, umnini wenja uya kuba noxanduva lokulungisa isithuthi sakho. Inkqubo eqhelekileyo yinkqubo yomnikazi wabanini beenja ukufihla umonakalo. Nangona kunjalo, ukuba akukho ninshurensi yasekhaya umnikazi wenja uza kubanjwa yedwa. Ngamanye amaxesha umnikazi unqwenela ukumboza umonakalo kwindinyana yefowuni efaka ibango. Kwaye ngamanye amaxesha inkundla yamatyala amancinci iyadingeka, konke kuxhomekeke kwindlela umnini asabela ngayo kwimeko. Ukuba umnini wenja akakwazi ukufumaneka, ukukhutshwa okubanzi kuza kubhalwa umonakalo phantsi kwe-inshurensi yemoto yakho.
Ndiyifaka Inyoni
Ngokuqhelekileyo umonakalo weentaka ezibangelwa yi-windshield. I-Windshield coverage ikwabonelelwa phantsi kwengxelo epheleleyo. Ukuba unedola, jonga malunga neenkampani zengilazi zendawo ukuze ubone ukuba zidibanisa.
Ndimisa iRoccoon
I-raccoon inokubonakala ibancinci kwaye ingekho nengozi xa kufike engozini yemoto, kodwa kusenokwenzeka ukuba benze umonakalo omkhulu kuxhomekeke kwinjani yemoto oyiqhubayo.
Ukuba uqhuba i-car compact, qiniseka ukuba uyifumene emva kokuba udibene ne-raccoon. Umonakalo ongaphantsi kwamandla kwaye unokwenza umonakalo omkhulu kwisithuthi sakho ukuba ungashiywanga.
I Hit Cow
Ngokuxhomekeka kwindawo yakho, kunokwenzeka ukuba ufumane inkomo. Njengoko unokucinga ukuba umonakalo unokuba lukhulu xa ulwa nesilwanyana esikhulu. Ngokufana nokubetha inja, umnini weenkomo uya kuba noxanduva lwemonakalo kuba inkomo ayifanele ibe yindlela. Kunokwenzeka ukuba ufake ifowuni ebanzi phantsi komgaqo-nkqubo wakho womshuwalense wemoto uze ube nekampani yakho yomshuwalense ihlawule ibango. Oko kuthetha ukuba umthumeli womshuwalense uya kulandela umnikazi wezilwanyana. Kungenzeka ukuba imoto yakho inokulungiswa ngokukhawuleza ngokufaka ibango phantsi komgaqo-nkqubo womshuwalense wemoto.
Nanyana isilwanyana esingaboniswa apha siya kubhekiswa ngokubhengezwa kwakho okubanzi.
Ingqiqo iyona nto inokukhusela isithuthi sakho ngokumalunga nomonakalo emzimbeni wakho ngaphandle kokubandakanya into esetyenzisiweyo okanye isithuthi. Uza kufumana i-coverage epheleleyo ukuba ibe luncedo xa ufumana umonakalo wesiqhwithi, ukugqithiswa kweenqanawa, umlilo, okanye ukweba. Hlola umgaqo-nkqubo we-inshurensi yemoto ukuqinisekisa ubungqina bakho. Ikhasi lakho lokubhengezwa kufuneka lichaze ngokubanzi okanye ngaphandle kokudibanisa kwipolisi yakho ukuba uthenge i-coverage.