Kukho nokuba nemiphumo emibi ezayo nje ngokuhlawuliswa ngokugqithisa, njengokuba nabani na oye wafakwa kuloo ndawo angakuxelela. Ukuba ujongene nokuhlawulwa kwexesha lokuqala, unokuba uzibuza ukuba yiziphi iingxaki ezingalindelekanga eziza kuhamba ngendlela yakho, njengendlela iintlawulo zakho ezinokuchaphazela ngayo izinga lakho le-inshurensi yemoto. Ngoko, funda njengoko sizama ukuphendula umbuzo: Ngaba i-inshurensi yam yomshuwalense iya kunyuka xa ndihlawuliswa ngecala?
Iimali ze-Inshurensi ze-Auto-Insurance zichongiwe
Igama lomdlalo xa lifika kumazinga e-inshorensi yingozi kwaye i-inshurensi yemoto ngokuqinisekileyo ayikho. Iinkampani ze-inshurensi yemoto zoshishino ukwenza inzuzo. Ngoko, njengoko unokulindela, baye baziva kakuhle malunga nokubeka umngcipheko. Kulungile kakhulu, ngokwenene. Kwaye ukuba into ethile malunga nawe okanye ukuziphatha kwakho ingalinganiswa nokulinganisa kangangoko amathuba okuba kufuneka ahlawule ibango, unokubheka ukuba uyayibheka.
Izinto ezichaphazela kakhulu zibandakanya ubudala, umsebenzi, isimo somtshato, ubunini bekhaya , amanqaku emboleko , kunye nerekhodi yokuqhuba . Kukho abanye, kodwa ezi zikhulu. Ezi zimbini zokugqibela, ngendlela, kuthetha ukuba i-inshurensi yakho iya kunika ingxelo yakho yekhredithi kunye ne-MVR (ingxelo yeenqwelo-mali) ukuhamba kakuhle.
Oku ndizisa kule ngongoma:
Iintlobo zeenkolelo ezinqabileyo.
Enye into eqinisekisiwe ukubonisa kwi-MVR yakho i-felony DUI isigwebo , kwaye isigwebo se-DUI siya kwenza ukuba i-inshorensi yakho ikhuphuke, mhlawumbi yinto eninzi. Kodwa ukunyuswa kwamazinga okunyuka akukho ngokwenene kuba kukho inkohlakalo kwirekhodi yakho, kuba kungenxa yokuba isigwebo sinxulumene nokuqhuba kwakho. Inyaniso yile: ukuba unetyala lokutshatyalaliswa (okanye ukungahambisani nxamnye naloo nto) I-DUI, inkampani yakho yomshuwalense iya kufumanisa kwaye iya kuphakamisa amanqanaba akho.
Ukuba unetyala luluphi uhlobo oluthile olubhekiselele ekushayeleni kwakho (njenge-hit-and-run, umzekelo,) kuya kubakho ukubonisa kwi-MVR yakho kunye neerhafu zakho ziya kunyuka. Ukuba, nangona kunjalo, unetyala lokungabikho nto enokuyenza ngokuqhuba kwakho, ngoko mhlawumbi akuyi kubonakalisa kwi-MVR yakho kunye nomshuwalense wakho akasoze wazi into. Oko kuzisa kum nqanaba olandelayo:
Ukubambisana nokuVunyelwa.
Kukho umahluko omkhulu phakathi kwezo zibini, akunjalo? Yaye oko kuthetha ukuba umehluko omkhulu xa kuziwa kwi-bill yakho ye-inshurensi ye-auto, kodwa inokuxhomekeka kumandla akho. Kwiimeko ezininzi, irekhodi lokubanjwa komntu liyacinywa ngokuzenzekelayo ukuba akukho kholwa.
Ukuba akunjalo, kwiinkoliso ezininzi umntu angafaka isicelo sokuba irekhodi lakhe lokubanjwa liphephe. Kwakhona, oko kukuthi, ukuba akukho nto ikholwa. Ukongezelela, ezininzi iinkundla ziya kuthi, ngezinye iimeko, zikhuphe iirekhodi lomntu, nokuba uthe wagwetywa xa isigwebo sigqityiwe. Okubaluleke kakhulu, umgcini-mali angeke akhathaze ukukhangela irekhodi lobugebengu nonke. Baya kuba banelisekile kakhulu ukuba baneliswe ngophando lweMVR yomthengi.
Ngoko, ngaba i-inshurensi yakho iya kuphakanyiswa xa uhlawuliswa ngetyala? Amathuba kukuba awanako, ngakumbi ukuba umrhumo awuhambelani nokuqhuba kwakho. Kwaye oko kubangelwa ukuba umgcini wakho womshuwalense mhlawumbi akayi kukwazi malunga nayo ngaphandle kokuba ibonisa kwi-MVR yakho.
Inkohlakalo enxulumene nokuqhuba umbane ingaba yinye imeko, nangona kunjalo, ngoko ke ikona elona nqanaba elona lifanelekileyo lokuhlala ngaphandle kwengxaki xa uqhuba.
Futhi musa ukusela nokuqhuba. Ngaloo ndlela awuyi kuba nexhala malunga nokunyuka kwamazinga e-inshurensi ukuqala.