Ukubetha Umhlobo okanye Inqwelo Yelungu Lentsapho Kwindlela Yakho Yendlela
Ewe, le meko iyona mbi kakhulu. Uninzi ngenxa yokuba kufuneka ubuyele ekhaya uze utshele umntu oko kwenzekayo, kunye nokuphazamiseka okongeziweyo kokulungisa imoto. Musa ukuzibetha unetyala ngale meko. Iingozi zenzeke kwaye yingakho sonke sithenga inshuwalense yemoto.
- Ngubani ohlawulayo? Ewe, njengomqhubi we-fault-fault, uya kuba noxanduva lwemonakalo. Ngethemba, unomshuwalense wemoto! Ibango liya kusebenza ngokufanayo njengoko ushaya imoto epakiweyo kwindawo yokupaka okanye imoto epakiweyo endleleni. Umonakalo womonakalo wepropati olunikezwa yinxalenye yakho yemfanelo ye-inshurensi yemoto iya kuhlawula umonakalo kwesinye isithuthi. Isibango sokonakaliswa kwepropati ngokuqhelekileyo asiyi kuza ne- deductible , nangona kunjalo, umgaqo-nkqubo wakho uya kubona ukwanda kwexabiso ekuhlaziyweni. Ibhonasi yomnini wezithuthi ezilinakele, imoto yokuqashisa idla ngokubonelelwa njengenxalenye yesibango kwithuba apho isithuthi sifike ukulungiswa.
- Inqwelo Yakho ibonakaliswe: Ukuba isithuthi sakho sinomonakalo omkhulu, ukukhawulelana ngokubambisana kuyona oya kuyidinga ukubonelela. I-deductible yakho iya kusebenza, ngoko iindleko zokulungiswa ziza kuba ziphakamileyo kunezikhethiweyo ezikhethiweyo. Le yingozi yengozi ukwenzela ukuba i- overload izakusetyenziswa ekuhlaziyweni. Ngelishwa, ungalindeli imoto yokuqeshisa ngaphandle kokuba ukhethe ukufumana ingcaciso eyongezelelweyo kwintengiso yomshuwalense wemoto enikezela ngeendlela zokuqasha imoto .
- Inye Imoto Enye Yonakaliswe: Nantoni na into eyenzekayo, kwaye imoto enye kuphela ephuma kwingozi eyonakaliswe ngokuqinisekileyo. Ukufakela ibango kwisithuthi esisodwa kuphela kunokubangela ukwanda kwenzuzo yokuvuselela ngenxa yokuba ibango liyimfuneko yebango. Akunandaba nokuba yisiphi isithuthi esifakwe ibango. Abanye abathwali bomshuwalense abafaki umgaqo-nkqubo xa ibango libiza imali engaphantsi kwama-$ 500. Thetha kunye nommeli wakho we-inshorensi okanye umcebisi-sicelo ukuba ufumane ukuba umphathi wakho womshuwalense wemoto unika umda ngaphambi kokuba uzalise umgaqo-nkqubo wakho webango lebango. Ingenza umehluko phakathi kokufaka ibango libe yinto efanelekileyo okanye embi.
- Iingxaki: Ukubetha imoto yomhlobo kwindlela yokuhambisa umbane kunokubeka ubunzima obubudlelwaneni. Musa ukukhawuleza ngokufakela ibango. Yenza umonakalo onokunyamekela ngexesha elifanelekileyo kwaye uzame ukunceda izinto zihambe ngokukhawuleza. Qinisekisa ukuqinisekisa onke amanxeba oqhagamshelwano kwaye ulungele ukuphendula nayiphi na imibuzo evela kumncedisi we-inshurensi.
Ukubetha enye Inqwelo Yakho Unayo Kwindlela Yakho Yendlela
Ubunini bungenza umehluko xa ushaya imoto kwindlela yakho yokuhamba. Ukushayela emotweni onayo kuya kukushiya uhlawule izibini ezinokuxhatshazwa kweembambano ezinokucinga ukuba unokubambisana ngokubambisana kwezithuthi zombini.
Ininzi yomshuwalense wemoto iyayifaka kwi-jargon yezomthetho ukuba i-cover cover will not cover the vehicle you own. Kuphela kuphela ukusetyenziswa xa omnye umntu enomonakalo wepropati okanye ukulimala okubangela ukuba wenze. Ukugqithwa kokubambisana kuya kukhusela izithuthi kule meko. Ulungelelwano luya kufuneka lube lukhuselo oludweliswe kwizithuthi ngasinye ezifuna ukulungiswa.
- Ukuhlaziywa kabini: Ukuhlawula ixabiso elichithwayo kwizithuthi ngasinye kuyinto enokwenzeka. Kubalulekile ukuba uthethe nge-adjuster claims okanye ufumane uncedo kwi-inshente yakho ye-inshorensi ukucacisa ukufikelela kwakho kunye nokunciphisa.
- Ukugqithiswa: Nangona amabango amabini afakwa, kufakwa isicelo esisodwa. Enye imoto yayimiswe kwaye ingekho iphoso xa iqhutywe imoto. Ngethemba, kuphela enye ingozi iya kubanjelwa kumqhubi, kodwa kubalulekile ukuqinisekisa nge-arhente yakho ukuba iya kuthathwa njani. Indlela eya kubanjwa ngayo ibango ingahluka ngokuxhomekeke kwimeko yengozi eyenzekayo kunye nomphathi womshuwalense wakho. Isixa sokuhlawula ngokwenene asixhomekanga kakhulu. Umrhumo ophezulu uya kufana nokuba ibango lilonke i-$ 1000 okanye i-$ 5000.
Omnye umntu ongekho mthethweni ugxininisa imoto eVimbela indlela yakho yeDrive kwaye Uyakubetha
Thetha ngokuxhalabisa, ukuba nemoto ixhomekeke kwindlela yakho ngaphandle kokuba uqaphele ingabangela iingxaki ezininzi. Ngelishwa, ukuba abantu abaninzi bayothuka, kuya kuba nzima ukufumana umntu obekwe ngokungekho mthethweni ukuhlawula umonakalo. Umqhubi unembopheleleko yokuba uhlale eyazi malunga neemeko kunye nokuqhuba ngokukhuselekileyo. Ukubetha imoto epakiweyo nangona kungumnyama kwaye awuzange uyibone, kuthathwa njengengozi yengozi ebangelwa ngumqhubi. Ukuqesha igqwetha kunye nokuzama ukulandela imoto engekho mthethweni mhlawumbi akufanelekeli ixabiso okanye ixesha lakho. Vumela umlawuli wakho womshuwalense we-inshurensi ayiphatha. Ukuba kukho indlela yokubamba enye imoto enoxanduva, isilungisi senqwelo-mali yakho iya kufumana indlela.
Funda kwiimpazamo zam
Njalo kusasa ndibeka isithuthi sam, sitshintshe i-gas pedal, kwaye ndijike ivili ukuze libuyele kulo. Nsuku zonke iintsuku ezintlanu ngeveki le nto yayingumsebenzi wam. Isithende sam i-Achilles kwakuyi-repetition. Ekuphindaphindiwe, ndaqala ukuba nevila kwaye ndingaboni apho ndaya khona. Yintoni enokuyifumana endleleni, kunene? Ewe, kuvela, imoto yam indoda ingakwazi. Nangona ehlala epaki kwigaraji, ngolunye usuku isithuthi sakhe sahlala siphakamise ubusuku. Ndangena kwisithuthi sam, ndayifaka, nditshitshisa i-gas pedal, ndajika ivili ukuze ndibuyele ekutshintsheni. Ukutshatyalaliswa kwam ngokubanzi, ndatshitshisa imoto yethu yonakalisa zombini izithuthi ezinomonakalo omkhulu kunokuba ndicinga ukuba kunokwenzeka.
IMicrosoft Car Insurance Insurance
Ubona iMichigan uhlala efumana icandelo elincinane elikhethekileyo phantse yonke into. Kungenxa yokuba iMichigan ayithatha inkohlakalo yomshuwalense wemoto inyathelo elingaphezulu kunezinye ezingekho iphoso. Akukho mpazamo ibhekiselele kwingozi yonyango kodwa ukulimala komzimba. Imithetho kaMichigan ngokuphathelele ukushaya imoto kwindlela yokuhamba iyafana namanye amazwe. Ukuba ungeyena inqwelo yepaki, umthwalo wakho wokulimala umhlaba uya kusebenza. Ukuba unokwakhe imoto epakishweyo, ukuxhatshazwa kweentlanzi kusebenza.
Izinketho Zobumbano eMichigan
- Ulwahlulo olubanzi = Akunakucinywa xa Ungeyiphutha
- Ukudibanisa okuqhelekileyo = Ukutshabalaliswa kungakhathaliseki ukuba ngubani oPheleleyo
- Ukungqinelana okuNcinci = Akukho Mgangatho weeNgqungquthela eziphosakeleyo, ukuhlawulelwa ngenxa yokungabikho kweeNkohlakalo
Ngenhlanhla, ndafumana ukugqithana ngokubanzi kwizithuthi zombini ngexesha lengozi. Ukugqitywa kwefom evulekile kwenzeni ukuba ndimele ndihlawule kuphela. Imoto eyayimiswe ingacingwa njengento ephosakeleyo, ngoko ayifuni ukuba idityaniswe ngokwemiqathango yobungqina obubanzi.
Nangona ukubetha imoto kwindlela yakho yokuzonwabisa kunokuziva uhlazo, khumbula ukuba ummeli wakho womshuwalense wemoto uyibone konke. Iziganeko zengozi yemoto yenzeke ngexesha lonke, yingakho sonke sine-inshurensi. Ukuba unomonakalo omkhulu, unganqikazi ukubika ibango ngenxa yokuhlazeka.
Ngaba Ndimele Ndihlawule I-My Claim?
Inyaniso, ngumbuzo ongaceliwanga ngokuphindaphindiweyo. Ngenxa yokuba unomonakalo omncinci kwisithuthi akuthethi ukuba kufuneka ufake ifowuni. Uninzi lwabantu luvakalelwa kukuba yonke imonakalo kufuneka ifakwe ngenxa yokuba yinto yomshuwalense wemoto. Nangona kunjalo, i-inshorensi imiselwe ngokwenene umonakalo omkhulu. Gcina ezi ngongoma ezibalulekileyo engqondweni xa uqikelela ukuba ngaba ungafanele ufake ifowuni.
- Ingaba umonakalo ongaphezu kwexabiso elidityanisiweyo? Ibango alinakwenzeka ngaphandle kokuba umonakalo odlula umlinganiselo wakho owenziweyo. Nantoni na ngaphantsi kwe-deductible iya kuba yindawo yakho yokukhanda.
- Ingaba iindleko zokulungisa zidlula i-deductible ngaphezu kwama-dollar ambalwa? Ibango elincinci ngokuqhelekileyo alifanelekanga ukufowunela. Iingxowa-mali zamabango eziphoso zingabiza, ungagqiba ukuhlawula ngaphezulu ngenxa yevesi elongezelelweyo nje ukuhlawula ukulungiswa ngaphambili.
- Ngaba uye wafaka nayiphi na enye inqaku lamatyala kwiminyaka emithathu edluleyo? Amanqaku amaninzi kwiimangalo eziphosakeleyo angafika nezigwebo ezinzima. Izohlwayo zingabandakanya ukukhanselwa kwi-inshurensi ekhethiweyo kunye nokwanda kwezinga lokunyuka kunye nenkonzo yomshuwalense ongewona osemgangathweni.
Akukho mntu ufuna ukuhlawula ukulungisa isithuthi sakhe okanye omnye umntu ngaphandle kwesikhwama. Ingathatha ukubala okubalulekileyo ukwenzela ukuba ingaba ingahlawulwanga ukuhlawula ivesi lefowuni elifaka ibango. Eli lixesha apho ufuna ukuhlala phantsi kunye negosa yomshuwalense wemoto yakho kwaye uhambe phezu kwamanani. Fumana uqikelelo ngomonakalo kwimoto yakho, enye imoto, kunye nepaki yebhola yebhola yinto engaphezulu. Thelekisa loo manani ukucacisa isicwangciso esona siphumelelo sokunciphisa iindleko ezipheleleyo kuwe nentsapho yakho.