Iinqwelo ezininzi ngeloyilo zifumana isaphulelo semoto emininzi. Ixesha elilodwa kuphela isaphulelo asisebenziyo xa isithuthi sesibini kumgaqo-nkqubo sigcinwa kwakhona siyaziwa njenge- coverage epheleleyo . Ngoko izithuthi zomgaqo-nkqubo zifuna ukuba ne- PLPD okanye ngaphezulu ukufumana isaphulelo.
Iipolisi ezininzi zeemoto ngelo mthwalo omnye kwikhaya elifanayo zisoloko zifumana isaphulelo semoto emininzi. Umzekelo, ukuba umqhubi wakho osemtsha unomgaqo ohlukeneyo kodwa uhlala kwindlu efanayo, ukukhutshwa kweemoto ezininzi kunokusetyenziswa. Ukukhutshwa kweemoto ezininzi kunokunceda ukunciphisa indleko ephezulu yomshuwalense kumqhubi weselula . Buza i- arhente yakho ukuba kunokwenzeka ukuba ufumane isaphulelo semoto emininzi xa unemigaqo-nkqubo emininzi ekhaya.
Ukukhutshwa kweemoto ezininzi kwongezwa kwisithuthi ngasinye ngesinye. Ngelo xesha isithuthi sesibini songezelelwe isaphulelo sisetyenziswe kuzo zombini izithuthi. Ukuba isithuthi sesithathu songezwa, isaphulelo songezelelwe kwisithuthi sesithathu ngelo xesha. Iinqwelo zokuqala ziya kuhlala zifana. Ukunciphisa imoto emininzi ayihlanganisi nezinye izithuthi ezongeziweyo.
Ukukhutshwa kwemoto emininzi kuyatholakala kwimigaqo-nkqubo ngaphandle kwe- inshurensi yemoto yakho. Iipolisi zeproliki zihlala zifumana isaphulelo seemoto ezininzi. Imithetho efanayo ifaka isaphulelo semoto emininzi yemoto njengoko yenzayo kwimigaqo yomshuwalense wemoto. Izikebhe kunye neeRV ziyakulungeleka; Kodwa ke, aqhelekanga kuba abantu bahlala bekhokheya okanye enye iRV.
Khumbula ukukhutshwa kwemoto emininzi kukuhle ukuba, kodwa akunakwenzeka ukuba imoto emibini ibe yabizi ngaphaya komnye kwi-inshorensi. Nangona kunjalo, ndibonile abantu badumala kakhulu xa besusa isithuthi kwi-inshurensi yemoto yabo kunye nexabiso labo linciphisa i-$ 10 ukuya kwi-20 ngenyanga ngenyanga. Isizathu salokhu ngokuqhelekileyo isaphulelo seemoto ezininzi sisuswa kwisithuthi esisele esisodwa, ngokunyusa ukuphakamisa izinga kwisithuthi esisele.
Iinqwelo ezincinane ezifana nale nto inokukhathazeka xa ungaqondi ngokwenene indlela umgaqo-nkqubo usebenza ngayo. Qinisekisa ukuba ucela igosa lakho le-inshurensi ukuba unemibuzo malunga ne-policy cover or premium.
Ingcinga efanelekileyo yokugcina zonke izithuthi zakho phantsi komthumeli omnye womshuwalense. Zombili imoto ye-car kunye nemigaqo emininzi yokwenza isaphulelo yenza kube nzima kakhulu ukuzuza ngemali ngokuhlula imigaqo-nkqubo yakho. Qinisekisa ukuba uyazi njani ukufumana isaphulelo semoto emininzi xa uthenge i-inshurensi yemoto.