Mhlawumbi kwenzeka njalo.Kwimeko enjalo, yonakalisa i-mirror yecala yemoto yakho.Ukucaphukisa ngokwaneleyo kodwa ngoku uya kufuneka wenze intsholongwane ye- inshurensi kwaye, kholwe okanye cha, oko kungabi njengomnqumle kwaye womile njengoko ucinga. Ngoko, ukukunceda ukuphepha naluphi na ukucaphukisa okungenasidingo, makhe sijonge umbuzo: njani umonakalo weklasi osebenzayo?
Xa Ulungelelwano luyiphutha lakho
Indlela ukulungiswa kwesibuko sendawo esaphukileyo kulandelwa ngayo kwaye ngubani ohlawulayo kuxhomekeke kwindlela eyaphulwa ngayo kwaye eyayikhupha. Ngoko-ke, masiqale ngecala apho ungena kwi-fender bender (okanye ngakumbi) kunye nezinye izithuthi ezibangelwa ukunganakwa kwakho , okanye mhlawumbi uthintela umthi phambi kweyadi xa uxhaswa ngaphandle kwendlela. Impendulo kuzo zombini kwezi ziimeko zilula. Ngaba wena okanye inkampani yakho yomshuwalense (okanye zombini) iya kuhlawula. Ukuze i-inshurensi yakho ihlawule, uya kuthi (1) kufuneka uqhube ukukhawulelana ngengozi ngexesha lengozi, kwaye (2) ube ne- deductible engaphantsi kweendleko zokulungiswa.
Ukugqithwa kobambiswano kukuvumela ukuba ufake ifowuni yakho kwinkampani yakho yomshuwalense nayiphi na umonakalo kwisithuthi sakho kungakhathaliseki ukuba ngubani na ongenanto. Kwiinkoliso ezininzi, ukukhawulelana ngokubambisana kungakhethwa ngaphandle kokuba kukho umnini-mvume kwisithuthi sakho. Ukuba awunayo i-collision coverage, uza kuba kumgca weendleko zokulungisa nayiphi na umonakalo kwisithuthi sakho ngenxa yengozi ebangelwa nguwe, kuquka umonakalo kwisibuko sakho secala.
Ukuba unako ukukhawulelana, uzakufuneka uhlawule imali yakho phambi kwe-inshurensi yakho, kwaye ukuba umonakalo kuphela onawo kwisikrini sakho, kukho ithuba elihle lokuba inzuzo yakho iya kuba ngaphezu kweendleko zokulungisa.
Xa ulwalamano lunye Uphulo lomqhubi
Kuthekani ukuba usengozini enye enye imoto kwaye omnye umqhubi unephutha? Kule meko, uza kufaka ibango kumnye umgaqo-nkqubo we-inshorensi yomqhubi, fumana uqikelelo okanye ezimbini, zilungiswe, kwaye omnye umgcini-mkhupha umqhubi uya kukunquma isheke. Okanye into ekufutshane nayo. Ukuba unobungozi bokubambisana, unokufaka ifowuni kunye nomnikezeli wakho womshuwalense ngelixa usebenza ngeenkcukacha kunye nenkampani yomshuwalense yomqhubi ukuze ungakhathazeki ngokuza neemali eziyimfuneko zokulungisa.
Kukho imingcipheko enokwenzeka, nangona kunjalo, ezinokubangela izinto. Iyokuqala isemgangathweni kwaye iqhube imeko apho omnye umqhubi ephuma kwindawo yesehlakalo, okanye xa omnye umqhubi engena-inshorensi. Ukuba oko kwenzeka, kuya kufuneka ukuba ufake ifowuni kunye nenkampani yakho yomshuwalense ngokufihla imoto yakho engaqinisekanga. Ukuba awunayo inqwelo yomqhubi womqhubi ongaqinisekanga, phuma i-wallet yakho, kuba uya kuhlawula ukulungiswa kwakho.
Kwakhona kubalulekile ukuba uxelele amapolisa ngokukhawuleza ukuba unokuba yixhoba le-hit and run accident ngoba ezinye iinkampani ze-inshorensi zifuna le nto ukuze ibango lakho libhekelelwe "lilahleko elihlawulwayo."
Xa Umonakalo Uqhutyelwa Ngelaphu, iVandal okanye uThixo
Kuthekani ukuba uhlangothi lwakho lubukratshi luyingozi kwaye akukho nanye yezi zihlandlo ezixutyushwa apha ngasentla? Emva koko mhlawumbi ube lixhoba lokuba, ukuchithwa kwezinto, okanye into ebizwa ngokuthi "isenzo sikaThixo." Ndiyicinga ukuba sele uyayazi oko kuchazwa ngamacandelo amabini okuqala, ngoko siya kuhambela kwisithathu. "Isenzo sikaThixo" sichaza umonakalo kwizizathu ezifana nomlilo , izikhukhula , iqhwa, iqhwa, umoya, okanye nayiphina imicimbi engenziwanga ngezandla zabantu nje. Ezi ziganeko apho iinkampani ze-inshorensi zenza i- coverage epheleleyo . Njengoko ukukhawulelana ngokukhawuleza, ukufihla okubanzi kuninzi kukukhethwa ngaphandle kokuba kukho ikhonkco kwimoto yakho.
Ukuba unesiqulatho esiphezulu kwaye isibuko sakho sebiwe okanye siphulwe yintengiso okanye uMama Wendalo, ngoko unako ukufaka ibango kunye ne-insurer yakho. Qhubeka ukhumbula, ukuba, xa uhlala kumazwe athile abhekiselele kwiintlobo ezithile zeentlekele zemvelo, umgaqo-nkqubo wakho awunako ukuhlala ukhokelela umonakalo obangelwa yile nhlekelele yendalo.
Gcina ukhumbule ukuba mhlawumbi ukhangela inkokhelo kuphela emva kokuba ususwe. Kuthiwani ukuba awunayo ingxelo epheleleyo? Phuma isikhwama sakho.