Ixesha lokufumana i-inshurensi engcono kwiimfuno zakho ngaphambi kokuba ilahleko leyo ivele. Sebenzisa ezi ngcebiso ukuqinisekisa ukuba uzilungiselele iziganeko ezingalindelekanga.
Khumbula Ezi zinto 10
1. Fumana Inkampani Ekhompyutheni Yomshuwalense : Ukukhusela impahla yakho kunye nentsapho yakho nenhlalakahle yemali yinto oxhomekeke kuyo kwinkampani yakho yomshuwalense ukuba ungenzi ngaphandle kwembuzo. Nangona kunjalo, awukwazi ukuthembela kwikamva lakho kwintsapho nje nayiphi na inkampani ngaphandle kokuyihlola kuqala. Imibutho ye-inshorensi yenkxaso-mali inokunceda kule Ezinye zezona ziphezulu zi- AM eziPhezulu , i- Weiss Ratings , Standard & Poor's , i- Fitch Ratings kunye ne- Demotech, Inc. Ezi nkampani ziza kunceda ijaji lakho lempilo yezemali yenkampani yomshuwalense, uhlobo olufana nekhadi lombiko wenkampani yomshuwalense . Imirhumo ye-inshurensi yemilinganiselo ilinganisa izinto ezifana nokusebenza kwezemali ezedlulileyo, izibonelelo zemali, ukubuyisela utyalo-mali kunye nokulindela kwexesha elizayo.
2. Yithenga uze uthelekise : Ngomhla wewebhu jikelele, ukuthengwa kwe-inshorensi ayinzima njengokuba kwakunjalo ngaphambili. Akudingeki ukuba uhambe kwi-arhente ukuya kwi-arhente okanye nakwi-intanethi ukusuka kwinkampani ukuya kwinkampani ukufumana ixabiso elifanelekileyo kwi-inshorensi. Ngokusebenzisa iiwebhusayithi ezifanisa, unokufumana ukuthelekisa okuhlanu okanye ngaphezulu kokuthe ngcembe ukuze udibanise iipulo kwiipulo.
Zininzi zale ndawo ziya kukuvumela ukuba uthenge i-coverage ngqo ukusuka kwiwebhusayithi yokuthengisa. Kukho amaninzi amaninzi eentengiso zee- inshurensi ngaphandle apho kuqukwa iNetQuote , CoverHound , Comparer.com , 4freequotes.com , InsureMe , kunye nezinye ezininzi.
3. Thatha inzuzo yeeAkhaphu : Ukukhulisa intsapho kunye nokunyamekela zonke iimfuno zezimali zeentsapho yakho yinto ebizayo. Akukho mntu ufuna ukuhlawula i-inshorensi ngaphezulu kunokuba kufuneka. Enye indlela yokuqinisekisa ukuba ufumana into engcono kakhulu ukuba ukwazi ukusebenzisa iipokethi ezifumanekayo. Kukho nokuba ifihliwe izaphulelo ezingabonakali kwiziko lewebhu okanye ukuba i-agent yakho ikuxelela. Cela ukuba ubone ukuba ufumana zonke izaphulelo ezifumanekayo ukufumana. Izaphulelo eziqhelekileyo ezinokukunceda ukuba ufumane ixabiso elifanelekileyo kwi-inshurensi nkqubo ziquka izaphulelo zenkqubo ezininzi, izaphulelo zokuqhuba ngokukhuselekileyo, izaphulelo zekhaya, izaphulelo zezixhobo zokukhusela ezifakiwe kunye nezinye ezininzi. Kukho nokuba mhlawumbi kubekho izaphulelo ze-inshorensi ezincinci ozifumanayo.
4. Ixabiso elincinci alisoloko lihle ngakumbi : Ixabiso lentengo ye-inshurensi yamanani ngethuba lithetha ukuba inkonzo yamakhasimende kunye nokumangalisa. Umdala omdala ohlala ufumana ukuhlawulwa ngawo ngamanye amaxesha unokwenyaniso.
Kakade, oku akuthethi ukuba iinkampani ze-inshorensi eziphakamileyo kakhulu azikwazi ukubonelela ngexabiso le-inshurensi efikelelekayo. Ukuba ungathandabuzeki malunga nendlela inkampani inokwanelisa ngayo izikhalazo zabathengi, khangela iirekodi zayo kunye neBusiness Business Bureau. Enye imibutho enokukunceda ukuba ubone ukuba iinkampani zomshuwalense zisebenza zibandakanya iNkcazo yokuThengwa kwabaThengi baseMelika , i- JD Power & Associates , kunye nokuhlola ukwaneliseka kwamakhasimende kwiiwebhusayithi ezifana ne-Insure.com.
5. Cela uMmeli ngeNkonzo eMnandi : Ukuba usebenzisa i-inshorensi esikhundleni sokuba uthenge ngokuthe ngqo kwinkampani yinshurensi, unokukunika oko akucinga ukuba yinto entle kwi-inshorensi. Nangona kunjalo, akulimazi ukubuza ukuba unokufumana ixabiso elingcono okanye mhlawumbi isicwangciso sephakheji esiphezulu esiphezulu. Ama-inshorensi ezizimeleyo azimela amaqela amaninzi ahlukeneyo kwaye aya kuba neengcaphuno ezininzi zokuthelekisa kunokuba " igosa elithunjiweyo ." Igosa elithunjiweyo limele kuphela inkampani kwaye liza kukunika kuphela iinketho zomgaqo-nkqubo ezivela kwinkampani ayimeleyo.
Xa unikwe ixabiso lokugqibela ukuba loo nto ayilungele, xelela i-arhente ngokunjalo. Ngokuqhelekileyo intengo yokugqibela ayiyona intlawulo yokugqibela. I-arhente yakho inokukwazi ukubuyela kwinkampani yomshuwalense kwaye ubuze ukuba ingaba lizinga eliphantsi likhoyo. Nangona kunjalo, akulimazi ukubuza ...
6. I-Agent yakho ayisoloko iLizwi lokugqibela : I-inshorensi, ngokuyinxalenye, inika iingcebiso ezifanelekileyo malunga nomgaqo-nkqubo kunye neenketho zokufunda ozifunayo. Emva koko, amaninzi ama-inshorensi athola i-insensisense kunye nokuqeqeshwa okubenza bakwazi ukunika iingcebiso ezifanelekileyo. Nangona kunjalo, kukho ubuninzi bezinto ezifumanekayo kuwe xa uziva ufuna ukuphanda ukhetho lwakho olungakumbi. Kungcono ukwenza ukhetho olungcono kwiinketho zokubhengezwa ngoku kunokuba uxolise kamva xa unabango kwaye uncinci kwaye ungenayo i-coverage. Emva koko kuphelile ukufumana ipolisi efanelekileyo. Enye into ebalulekileyo yokujonga xa ufuna ulwazi lwe-inshurensi yiNkcazelo ye-Intshuwalense.
7. Uyakwazi ukuphucula emva koko : Kukho iimeko apho izibambiso zezemali zingakukhusela ukuba ufumane iinketho zokufunwa ozifunayo kunye nezidingo. Kwimeko nayiphi na into, ubuncinci, kufuneka ubuncinci uthenge ubuncinci obufunwa ngumthetho kwiSebe le-Intshumo. Xa usuhlawule ngokwezimali, unokuphucula umgaqo-nkqubo wakho ukubandakanya iphakheji epheleleyo yolwazi. Akulimazi ukunika ummeli wakho we-inshorensi "i-premium target" eyayiza kuba yinto efanelekileyo ukuba uya kukulungele ukuhlawula i-inshorensi. I-Intshurensi ye-Progressive inikeza into ebizwa ngokuba "igama lakho ithuluzi lakho" eliza kukuvumela ukuba ufumane ukufumana ingqalelo kwixabiso onokulifumana.
8. Xelela Inyaniso : Ngaba uyayiqonda ukuba inkampani yomshuwalense ayimbopheleleko ngokomthetho ukuba ihloniphe ipolisi yakho kwaye ihlawule amabango ukuba uyakwazi ukuchasa inyaniso kwisicelo sakho? Oku kubandakanya izinto ezifana nokuxoka malunga nokuba zingaphi ithikithi okanye izingozi eziye zadlulileyo. Ukufumana i-premium engabiziyo ayifanelekanga ingozi yenkampani yokukhansela umgaqo-nkqubo wakho ngenxa yokuba ungayichasanga inyaniso. Ngokuqhelekileyo, inkampani ayiyi kukhankanya ngqo ipolisi yakho kodwa izakuqhagamshelana ne-premium eyongezelelweyo efunekayo ukuze igcinwe ngokukhawuleza xa iirhafu zihlengahlengiswa.
9. Umyinge awunjalo rhoqo : Ukuba uthenge isithuthi esitsha okanye ungeze izakhiwo ezongezelelweyo kwipropati yakho, zinokuthi zenzeke ngokuzenzekelayo ngexesha. Nangona kunjalo, kukho umda wokukhawulela kule ngxelo. Ngokuqhelekileyo, unesithuba esithile, mhlawumbi iintsuku ezingama-30 (oku kungaphezulu okanye ngaphantsi kuxhomekeke kwinkampani yakho) ukuqhagamshelana nenkampani yomshuwalense uze ubazise ngokuthenga kwakho. Kuyafana kunye nokuhweba kwisithuthi enye. Ingxelo iya kuthunyelwa kwisithuthi sakho esitsha, kodwa kuphela okwethutyana ngaphandle kokuba uxelele inkampani yakho yomshuwalense. Hlola kunye ne-inshente yakho ye-inshorensi okanye inkampani malunga neemfuno ezithile zezaziso zomgaqo-nkqubo wakho.
10. Ukuphonononga kwakhona Umlinganiselo Wakho : Utshintsho lobomi luya kubo bonke. Xa unenguqu ebalulekileyo yokuguquka, njengokuthenga okukhulu, ukuhamba, ukutshata, ukwahlukanisa, ukuba nabantwana, njl .; Kungenzeka ukuba oku kuya kuchaphazela ukukhutshwa kwe-inshorensi yakho kwaye unokufuna ukuhlaziywa kwakho. Nangona ungenayo imicimbi ebalulekileyo yokuphila, kusengumzekelo omuhle ukwenza uphenyo lwenkqubo yonyaka kunye negosa lakho yomshuwalense kwaye wenze nayiphi na inguqu efunekayo.
Ukufumana i-coverage engcono kukukhusela wena kunye nosapho lwakho kuyo nayiphi na into enokukuphosa kuyo akufuneki kube yinkqubo enzima okanye eyadidekayo. Sebenzisa zonke izixhobo kunye nezibonelelo onokuzifumana ukuze wenze ukufumana ilungelo elifanelekileyo kwinkqubo elula. Umsebenzi omfutshane wesikolo kunye nophando luya kuhamba ixesha elide ukunika wena kunye nosapho lwakho uxolo kunye nokhuseleko olufanelwe.