Nazi ezinye iinketho zokukunceda ukuba wenze isigqibo sokuba uza kuthenga phi i-inshurensi yakho ye-Gap
Awunayo ukuthenga i-inshurensi ye-gap kumthengisi, unokhetho oluninzi lokuthenga i-inshurensi yakho ye-gap ukuba uthetha ukuwuthenga xa uthenga okanye uqeshisa imoto.
Izinketho ezi-3 Xa uthengisa i-Inthanethi ye-Gap kwi-Car yakho entsha
- Kusuka kwinkampani yakho yomshuwalense-ezininzi iinkampani ngoku zibonelela nge-inshurensi ye-gap, qho ngisisa inkampani yomshuwalense kuqala.
- Ivela kumshuwalense we-intanethi enikela i-Gap Insurance
- Ukusuka kumthengisi
Ukuba awuqinisekanga ukuba ungayifumana phi i-inshurensi ye-gap, kwaye ungathanda uncedo, okanye unyanzelekile ukuyithenga kumthengisi, unokuqhagamshelana nommeleli wakho we-inshorensi okanye umkhomishinala we- state ukuze uncedise ngakumbi okanye ukhokelo malunga neenketho zakho.
Iyintoni i-Inshurensi yeGap?
I-inshurensi ye-Gap ikhusela abantu abaye baxhaswa ngemali okanye baqeshisa imoto yabo ekubeni bahlawule imali engaphezulu kunokuba imoto ifanelekile xa kwenzeka ilahleko elipheleleyo. Intshuwalense ye-Gap ikukhusela ekubeni ungaphumi. Kubalulekile ukuqonda ukuba kutheni i-inshurensi ye-gap ibalulekile kwaye isebenza njani ukuba ukhangele ukuyithenga.
Umzekelo Wendlela Inkonzo Yomshuwalense We -Gap Iya Kusebenza Ngayo Intshumo Yomshuwalense We-Car
Ukuba unayo ilahleko epheleleyo, okanye umntu uthatha imoto yakho kunye nenani lemoto yakho lingaphantsi kwento omele uyenze yona, uya kubakhokhela umnini-mboleko, ibhanki okanye unciphise imali ephakamileyo lakho, kuba umgaqo-nkqubo wakho we-inshorensi ukhokhela ixabiso langempela isithuthi ngexesha lokulahleka kwaye akusikho into enetyala ngayo.
Cinga ukuba uthenge okanye uqeshe imoto i-$ 30,000. Uxhase imoto ngaphezu kweminyaka engama-7. Ngethuba lexesha lokuxhaswa kwemali, uya kubhatala inzala, ngoko nangona ixabiso leemoto liyi-30,000 zama-dollar, uyaxhaswa ngexabiso ngokwenene yemoto kunye nokuba nayiphi na inzala kunye neerhafu zongezwa kwi-finance okanye ukuqeshisa.
Masithi loo mali iyonke i-$ 35,000, ukugcina izinto zilula. Ngoko uvumele ukuhlawula i-$ 35,000 ngaphezu kweminyaka engama-7. Imoto yakho ibalwa kuphela kwi-30,000 yeedola. Iintlawulo zakho zi malunga ne-$ 420 ngenyanga. Emva konyaka kunye nesiqingatha, uhlawule i-$ 7560, usalindele i-$ 27,440. Ulahlekelwe ngokupheleleyo, mhlawumbi ngenxa yokuba umntu uthatha imoto yakho okanye ahlasele imoto yakho kwaye umonakalo uphezulu kakhulu kunenani leemoto, okanye unengozi onoxanduva. Inkampani yomshuwalense ngaphandle kwe-inshurensi ye-gap ihlawula ixabiso langempela lemali kwisithuthi ngexesha lokulahleka. Masithi emva komnyaka nesiqingatha ubunani bexabiso lemoto yi-$ 24,000. Inkampani yomshuwalense ikuxelela ukuba ikunika i-$ 24,000 kwilahleko epheleleyo. Izandi ezilungileyo, ngaphandle kokuba uhlola ukuba uninzi kangakanani imali ekufuneka uhlawulwe ngayo, uyaqonda ukuba u-$ 3,440 uhlawule ukuhlawula imoto yakho. Ukuba unomthwalo onoxanduva, kuya kufuneka uhlawule i-deductible , leyo ingakufaka kwi-$ 4000 ngaphandle kwepokethi ngaphandle kwemoto ukubonisa ngayo. Le yilapho i-inshurensi ye-gap ibalulekile. Bona imizekelo eyongezelelweyo yendlela inshuwalense ye-gap eyosebenza apha >>
Ngaba Ufanele Uthenge i-Gap Insurance?
Abantu abaninzi bafumana ingqiqo yokuba kufuneka bathenge i-inshurensi ye-gap, nangona unyanzelekile ukuthenga i-inshurensi ye-gap njengenxalenye yemfuno ezincinci ze-inshurensi yemoto .
Ukuba ufuna ukufunda ngaphezulu nge-inshurensi ye-gap kunye namalungelo akho, kwakunye nolunye ulwazi ukukunceda ukuba unqume ukuba ufuna i-inshurensi ye-gap, sidibanise ngolunye ulwazi kwinqaku lethu "Ukuqonda i-Inthanethi ye-Gap kunye namalungelo akho"
Hlola ukunikezelwa kwe-Gap Waiver kwisivumelwano sokuqeshisa
Ngaphambi kokuba uthenge i-inshurensi ye-gap, qiniseka uze ukhangele ukuba uyayidinga. Ezinye izivumelwano ngeenkampani zezimali okanye iinkampani zokuqeshisa imoto zingenakho ukubonelela nge- Gap Waiver Provision ezokuxolela ngesithuba phakathi kwe-inshorensi yokuhlawula, kunye nemali oyimfuneko.
Fumana nge-Gap Waiver - Akunjalo Wonke umntu ufuna i-inshurensi ye-Gap
Ungacingi ukuba unesiphelo sokukhutshwa kwe-gap, ngenxa yokuba akukho zonke iikontraki ezi nkonzo, kodwa ukuba unethamsanqa ngokwaneleyo ukuba ube neyodwa, yenza ukuba kuninzi ukuqonda ngaphambi kokuchitha imali yakho.
Ukuthenga I-inshurensi yakho ye-Gap: Qaphela ezi meko
Abanye abathengisi kunye neenkampani zezimali "banokubambisa" i-inshurensi ye-gap ngokufanelekileyo kunye nokuthengwa kwemoto entsha okanye ukuqeshisa. Qaphela lo mkhuba uze uqiniseke ukuba ufumana zonke iinkcukacha kuba kunokukuhlawula imali eninzi.
Yintoni Enokuyenza I-inshurensi ye-Gap kumthengisi okanye nge-Car Loan Eninzi kakhulu?
Xa ungeze i-inshurensi ye-gap kwimali-mboleko yakho yemoto okanye ukuqeshisa, ungagqiba ukuhlawula inzala kwi-inshurensi ye-gap kuba ingaba yinxalenye yemali ehlawulwa ngemali.
Kwiimeko ezinjengeli, unokuhlawula ngaphezulu i-inshurensi ye-gap ngenxa yeemali kunye nemirhumo yemfuno ukuba uyayongeza kwimboleko yakho yemoto.
Ngokuqhagamshelana nommeli wakho we-inshurensi kwaye ufumene indleko yokongeza i-inshurensi ye-gap kwinqubomgomo yakho yomshuwalense, awuyi kubhatala inzala njengemali mboleko yemoto kunye nokuqeshisa .
Ukuba ucinga ngalo migaqo, kukho ithuba elihle lokuba uzisindise imali eninzi ngokukhetha inketho engasebenzi kumvuzo wakho.
Unokufumana inzuzo ekukheseni i-coverage nanini na xa ugqiba i-inshurensi ye-gap ayimfuneko kuwe. Xa ixhaswa ngemali yakho mboleko okanye uqeshiso, uza kuhlawula ixesha lokuxhaswa kwemali.
Iingcebiso Ngaphambi kokuba uthenge Intshuwalense ye-Gap
- Njalo qhasela kuqala inkampani yakho yomshuwalense ukuba ubone ukuba sele iquka i-inshurensi ye-gap kwimigaqo-yomshuwalense wemoto. Akukho sizathu sokuthenga i-inshurensi ye-gap ukuba sele sele unesigxina. Kukho ukuvunyelwa ukuba ungeze kwi-premium encinci,
- Qiniseka ukuba ufuna i-inshurensi ye-gap. I-inshurensi ye-Gap iyakunceda ukuba uthathe imali mboleko kwi sithuthi kwaye unenkxalabo yokuba isithuthi okanye siya kuhlaziya ngokukhawuleza kunokuba uhlawula umboleko okanye uqeshiso. Unokujonga ixabiso leemoto zamanje ukufumana ixabiso lokunciphisa kwi-Edmunds.com okanye iKelley Blue Book. Oku kukukunika ingcamango, akukho ndlela eqinileyo yokukwazi ukubaluleka kwesithuthi sakho ngexesha lokulahleka, kodwa ngokuqinisekileyo unokwenza uphando ukuze uqonde ukuba ingozi yakho ingaba yintoni.
- Qinisekisa ukuba unako ukurhoxisa i-inshurensi ye-gap nanini na xa ugqiba ukuba akukho naluphi na inani kwi-coverage. Umzekelo, xa umbolekisi wakho uhlawulelwa ngokwaneleyo ukuba isithuthi sakho sinokubaluleka ngaphezu kokuba unetyala.
Ingxowa okanye Ukuqeshiswa kweNgqesho kwiNkampani ye-Inshorensi
Ukuba ubiza umnkampani wakho we-inshorensi kwaye bakunikezela ngesikhwama semali-mboleko / indawo yokuqeshisa indawo endaweni ye "Intshuwalense ye-Gap" inokuba ngumcimbi wegama elifanayo. Buza ukuba bachaze indlela yokubhengezwa kunye nendlela esebenza ngayo kuwe ukuba unesithuba kwi-inshuwalense yakho yokuhlawula ibharensi kunye nento omele uyenze emotweni kwimali-mboleko okanye kwinkampani yokuqeshisa. Inketho yokongeza kwipolisi yakho ekhoyo ingakugcina imali eninzi ngenxa yokuba awuyi kuhlawula iindleko zokubhengezwa kwirejista yakho yemoto. Unako ukukwazi ukuwukhansela nanini na ixesha eliyiluncedo emva kweminyaka embalwa xa ukhokhe imali mboleko yakho phantsi.
Ukuvuselela i-Intanethi ye-Gap, Ngaba Ingqondo Efanelekileyo?
Hlola iimfuno ze-inshurensi ye-gap kunyaka unyaka, njengoko umyinge wemali-mboleko yakho iyancipha, imfuno yakho ye-inshurensi ye-gap nayo iphela.