Yiyiphi Inkonzo Yomshurensi Eyona Eyona Miphumo YaseMpi?
Konke kuqala ngomthumeli womshuwalense. Akunabo bonke iinkampani ze-inshorensi eziqonda iimfuno ezizodwa zamalungu omkhosi.
Ngokomzekelo, amaxesha amaninzi ilungu limi kwilizwe elinye kodwa qwa lasela umntu ohlala kwelinye ilizwe, ikhaya labo. Oku kunokuba yingxaki kwabanye abathwali. Abanye abathwala i-inshurensi banokuqonda ukuba amalungu omkhosi abe mngcipheko omkhulu ngenxa yokufudukela rhoqo.
USAA
UMbutho weeNkonzo zeMoto yaseUnited Services wasungulwa ngowe-1922. Wadalwa ukubonelela ngeenkonzo ezininzi ezinjengebhanki, utyalo-mali, kunye ne-inshurensi yemoto kwii-Armed Forces kunye neentsapho zabo. Yiyo lento! Akukho mntu uvumelekileyo ukuba aqiniseke nge-USAA. Ngokuqinisekileyo indawo elungileyo yokuqala ukujonga i-inshurensi.
I-USAA ayinikezeli ii-agent zengingqi kumalungu ayo. Zonke iinkqubo ze-inshorensi zinyamekelwa ngaphezu kwefowuni okanye kwi-intanethi ethathwa njenge-Direct Insurance. Zilinganiswe i-A ++ eyona nqanaba eliphezulu kakhulu kwi-AM Best Ikhampani kunye ne-AA + eyona yesibini isilinganisi esiphezulu seSikweni soMgangatho oPhantsi.
Ngokwenene oko kuthetha ukuba banesimo semali esempilweni kwaye kukho ithuba elihle lokuba ibango lifunyenwe xa kwenzeka isiganeko esiyingozi okanye njengeqhwithi okanye isiphepho.
Lindela ukuqonda okuninzi kunye neyona nto ibaluleke kakhulu izaphulelo ezivela eU.SA. Akuthethi ukuba kubantu bonke.
Abanye abantu bakhetha ulwalamano lwe-inshurensi enkulu. Akunakuze kube buhlungu ukuthenga ngeenxa zonke.
Iingcebiso zoThengwa ngeNtsholongwane
Ukuthengwa kwe-inshurensi yemoto njengelungu lezempi lifana nelo lizwe. Tshela ikhampani yakho ye-inshurensi malunga nomsebenzi wakho kwaye uhlale ubuza malunga neengaphulelo ezikhoyo.
Hlonipha: Yiba neemeko zakho. Ungaze uzame ukufihla naziphi na iinkcukacha malunga neemeko zakho kwi-agent yomshuwalense. Inyaniso iya kuphuma ekupheleni kwaye iya kuchaphazela intlawulo yakho. Soloko sichaza bonke abaqhubi ekhaya kunye nokuphulwa kweendlela.
Khangela Ngaphandle Kwezaphulelo: Musa ukugxila kuphela kwizaphulelo. Kungenxa yokuba umphathiswa akanikeli isaphulelo somkhosi asisho ukuba abanako ukukhuphisana. Izaphulelo zinkulu kodwa intengo yokugqibela ibaluleke kakhulu.
Thelekisa iiApile kwiApile: Oku kunokuba kubi! Zama ukufumana izicaphulo ezifanayo. Ukujongana nemiba! Qinisekisa ukuba ufumane izicaphulo ezikufuphi ngokukhawuleza kunokwenzeka. Imida efanayo yemfanelo. Uhlobo olufanayo lwezonyango. Ukudityaniswa okufanayo kwenyama . Azikho zonke iinkampani ezinika inqaku elifanayo ngoko kubalulekile ukuba kufumaneke ngokusondeleyo.
Ubungqina bomshuwalense weNqwelo
Ukukhethwa kwe-inshorensi yemoto yelungelo elifanelekileyo kubalulekile kungakhathaliseki umsebenzi.
Amalungu aseMpi aneemfuno ezizodwa xa kuthethwa ukuthunyelwa. Ukugcina ipolisi yomshuwalense wemoto ibalulekile nakwixesha xa isithuthi singasetyenziswanga.
Njengelungu lomkhosi kunye nosapho lwabaqhubi, kulula ukuba wenze izigqibo zokubhengezwa. Mhlawumbi akukho tshintsho kufuneka kwenziwe ukuba zonke izithuthi ziya kuqhubeka ziqhutywa. Ukuba isithuthi salo sisebenzisiweyo asiqhutywanga, sicela ukuba sibekwe kwisitoreji (enye enye indlela yokuthetha ukunciphisa yonke ingxelo kunye nokushiya ingxelo epheleleyo). Ngaloo ndlela isithuthi siya kukhuselwa kuyo nayiphi na umonakalo ngelixa ligcinwa.
Njengelilungu elilodwa lempi, kunokuphela kwesithuthi esisodwa kumgaqo-nkqubo. Yenza isicelo esikhethekileyo sokunciphisa ukufikelela kwiphepha kuphela. Ngamanye amaxesha lo mbuzo unokufumana imvume ekhethekileyo kuba akuqhelekanga ukuba akukho zithuthi eziqhutywe kwi-inshurensi yemoto yomshuwalense.
Iinshurensi zeeNqwelo zeMoto
Izidumbu , xa zisetyenziswe kakuhle, zinokugcina imali eninzi. Baphakamise xa kukho ithuba elincinci lebango. Ephakamileyo i-deductible ixabiso eliphantsi kwe-inshurensi. Xa isithuthi siqhutyelwa rhoqo, iinqununu ezincinci ziyanciphisa iindleko zesikhwama xa kwenzeka ingozi.
I-inshurensi isetyenziselwe ukukhusela ngokulahlekelwa kwelahleko enkulu. Kunconywa ukuba ube neenkcukacha zokuphononongwa kwe-ejenti elayisenisi kwaye kufuneka ihlaziywe kwakhona njengoko imeko iguquka. Amalungu omtsha amatsha, iimoto ezintsha kunye neemoto eziguga kufuneka zihlaziywe rhoqo xa umgaqo-nkqubo uphinda uvuselele.