Uhlala kwisixeko esikhulu esinomnotho okhulayo, kwaye uvele unayo imoto kwaye ube neeyure ezimbalwa zamahhala ubusuku bonke, ngoko unquma ukuba ngumqhubi wee-apps ezinkulu ezinkulu kwiedolophu yakho. Izinto zihamba phambili: wenza umvuzo osisigxina wemali engenayo eyongezelelweyo, ubona iinxalenye ezintsha zedolophu yakho, kwaye unomxholo othakazelisayo kunye nabakhenkethi kunye nabahlali ngokufanayo. Omnye ubusuku obucothayo, njengoko ujikeleza indawo enkulu yedolophu efuna abagibeli, ubheka phantsi okwesibini ukulungelelanisa inomathotholo kwaye uphawule ngephaya imoto phambi kwakho.
Akukho mntu ulimele, kodwa enye imoto inobungozi - kwaye iphoso lakho. Ngenhlanhla, unomshwalense we-collision nge-low deductible , ngoko wena kunye nomnye umqhubi unquma ukubiza amapolisa uze ufake ifayile yengxelo yecala ukuze inkampani yakho yomshuwalense ikwazi ukuthumela omnye umqhubi isheke kwimonakalo. Amapolisa afika aze athabathe ulwazi lomntu wonke kunye nento eyenzekayo, kubandakanywa nokuba ubeshayela inkampani ehamba phambili ngexesha lelo ganeko. Wena kunye nomnye umqhubi utshintshana ngolwazi lokuqhagamshelana kwaye wonke umntu unqwenela omnye ubusuku obuhle. Ukukhetha ukuba ungayilingi, usenza isigqibo sokuphelisa ukuhamba kwakho kusasa ukuze uhambe ekhaya ngokuhlwa kwaye ufake ifom ye-inshurensi yakho kwaye ufumane le ngxaki.
Njengoko uphuza ikhofi yakho yasekuseni iintsuku ezimbalwa emva koko, ufumana ifowuni evela kummeli wakho we-inshorensi, oya kwenzeka nokuba ngumhlobo wentsapho. Uyaxolisa gqitha ukukuxelela, uthi, ibango lakho alikwazi ukucutshungulwa.
Njengoko eqhubeka kunye neenkcukacha, uqala ukuphazamiseka kwaye aqhubeke ekuxelela ukuba ngenxa yokuba awuzange uxelele inkampani yakho yomshuwalense ngaphambi kokuba ube ngumqhubi we-rideshare ukuxoxa ngokukhetha ukhetho, umgaqo-nkqubo ukhanselwe yinkampani . Yintoni oya kuyenza ngoku, uyabuza, ngezwi njengoko ecaphukile njengoko ufanele uzive?
Utshiza ikhofi yakho.
Ukuba ungomnye wamakhulu amawaka wabantu abasebenzisa okanye bacinga ukusebenzisa imoto yabo ukuba babe ngumqhubi wenkonzo yenkampani ehamba phambili, unokucinga ukuba unokukhuphela i-app ye-ridesharing kwaye uye endleleni yakho yokwenza imali eyongezelelweyo. - kodwa cinga kwakhona. Ukuba ufuna ukuqhuba umqhubi we-rideshare, kufuneka ufumane inshuwalense ye-rideshare okanye ingozi ekhethiweyo kwiingxelo.
Ngaba Ndifuna i-Rideshare Insurance?
Ukuba inkampani oqhubayo ukubonelela ngenkonzo ngaphambi kokuba, ngexesha, nangemva kokuba uthabathe abagibeli okanye sele uthenge umgaqo-nkqubo womshuwalense we-auto auto, unenhlanhla: mhlawumbi awudingi i-rideshare coverage. Nangona kunjalo, usenokuba ngumngcipheko wokulahlekelwa ngumsebenzi wakho wokuzimela ngokuzenzekelayo xa ungagqibi ukuba ungumqhubi we-insensitive kwinkampani yakho yomshuwalense, ngoko kukulungele ukwenza njalo ngaphambi kokuba ulinganise ukhetho lwakho. Ukuba ngaba ngumcimbi, okanye ukuba uqhuba enye yeenkampani ezininzi ezihamba phambili ezingaboneleli ngeendlela zonke zokuqhuba, uya kufuna i-insensitive rideshare. Nangona baqhubeka nokukuqinisekisa, i-inshurensi yakho yomshuwalense awunakwenzeka ukufihla nayiphi na iindleko ezenziweyo ngelixa uqhuba ukuqhuba i-app.
Iphondo ngalinye linemigaqo-nkqubo yalo ngokumalunga ne-inshurensi ye-rideshar, ngoko kubalulekile ukwenza uphando lwakho.
Yintoni i-Rideshare Insurance Cover?
Ukuba unesicelo sakho se-rideshare kwaye ungene ngemvume, kukho izigaba ezintathu ezihlukeneyo: ngeSigaba se-1 ungene ngemvume kwaye ulindele umthengi ukuba acele ukuhamba. Ngexesha lesiGaba sesi-2, uwamkele umgibeli kwaye uya kuwathabatha. Ngexesha lesiGaba sesi-3, uthabatha umgibeli wakho ukusuka kwinqanaba A ukuya kutsho B. Uninzi lwezintlu zokusebenza zibandakanya abaqhubi babo ngexesha le-2 neyesithathu, kodwa uninzi alufihla abaqhubi kwiSigaba se-1, ekushiye kumngcipheko omkhulu, ekubeni i-auto yakho yomshuwalense mhlawumbi akunakukufihla ngeli nqanaba, nokuba.
Ininzi yomshuwalense ye-rideshare inceda ngokugubungela ngexesha lesigaba 1, nangona iipolisi ezithile zikugubungela kwisigaba sesi-2 kunye no-3 kunye nokusukela kwiinkqubo ezininzi ezithintekayo zineenzuzo ezidityanisiweyo zokufumana ingxelo ngexesha le zigaba.
Ukuba oku kuzwakala kuyinkimbinkimbi, ungakhathazeki: iinkampani ezininzi ze-inshorensi ngoku zibonelela ngezicwangciso ze-inshorensi ezixhasayo zisebenza njengemigaqo-inshorensi yomntu ngamnye kunye ne-rideshare ukuphepha ukudideka.
Iintlobo ze-Rideshare Insurance
- Insurance Hybrid. Njengoko kukhankanywe ngaphambili, i-inshurensi ye-hybridi ikubopha ngamaxesha onke kwaye i-hybrid phakathi komgaqo-nkqubo kunye nomgaqo-nkqubo othize. A
- Ukuthengiswa kwezorhwebo. Ngokuqhelekileyo ixabiso elininzi kakhulu, ukuthengiswa kwezorhwebo kwenzelwe abaqhubi bexesha elipheleleyo okanye abaqhubi bezithuthi ezinkulu. Ukunikezelwa ngokukhawuleza kwenkxaso yeenkqubo ezininzi zokuzonwabisa, le ngxelo ephindwe kabini inokubonelela ngolunye uxolo lwengqondo.
- Isigaba sokuqala sokuqala. Umgaqo-nkqubo womshuwalense we-rideshare ochaphazela umqhubi ngexesha lesigaba 1. Lo hlobo lwenqubomgomo lugqithisa i-gap phakathi kweyona nkcazelo yezona zininzi zokusebenza zibonelela ngabaqhubi babo kunye nokuxhaswa komgaqo-nkqubo womqhubi. Nangona ezinye iinkampani ezixhasayo zinikezela ngokukhawuleza kwesigaba soku-1, ihluka ngohlobo kwaye ngokuqhelekileyo ayinakwi-collision coverage.
- Imigaqo-nkqubo yobuqu. Umgaqo-nkqubo wakho womshuwalense we-auto oqhelekileyo ukuba unenhlanhla ngokwaneleyo ukuba ube nomboneleli ongeke akusilahle ukuba ube ngumqhubi we-rideshare. Olu hlobo lomgaqo-nkqubo alukufihla kwisigaba soku-1, sesi-2, okanye kwisi-3 sakho sokuhlala, ukuze ube usengozini.
Ndingayithenga phi i-Rideshare Insurance?
Ngelishwa, ayikho yonke inkampani yenkampani yomshuwalense inemigaqo-nkqubo eyenzelwe abaqhubi be-rideshare kuwo wonke urhulumente. Nangona kunjalo, iinkampani ezininzi ezithembekileyo zinikezela iinkqubo kulo lonke ilizwe. Ngokomzekelo, i-Geico inikeza umgaqo-nkqubo we-hybride kumazwe angama-35 malunga needola ezili-150 ngeenyanga ngaphezu komgaqo-nkqubo oqhelekileyo. Ukuba ungumlindi okanye ilungu lentsapho ye-Older, i-USAA inikeza iinkqubo ze-rideshare ezincinane njenge $ 6 ukuya kwii-8 ngaphezulu ngenyanga. Njengoko icandelo le-rideshare landa, ezinye iinkampani ze-inshorensi zihlaziya rhoqo iminikelo yazo, ngoko kuyafaneleka ukubonisana nenkampani yakho yenkampani yomshuwalense yangoku ukuze uxoxe ngezicwangciso zekamva.
Indlela yokuthenga i-Rideshare Insurance
- Qhagamshelana nenkampani yakho yomshuwalense. Ukuba awuvumeli umgcini wakho womshuwalense ukuba uyazi ukuba uceba ukuqhuba ukuqhuba i-app ye-ridesharing, banokukukhansela ukukhutshwa kwakho. Kodwa ummeli wakho we-inshorensi unokukwazi ukukunika iingcebiso ezincedo okanye iziphakamiso zomgaqo-nkqubo we-rideshare.
- Fumana kwaye ucinge izikhefu. Bonisa ngokucacileyo xa ugutyungelwa yomshuwalense wakho we-auto kunye ne-app ye-ridesharing. Ukulinganisa izikhewu ekugqibeleni kwakho kuyisinyathelo sokuqala ekuqaliseni indlela yokuzizalisa ngeenkcukacha ezongezelelweyo okanye i-self-inshurensi ngokuzenza ukwenza ukongezwa okongeziweyo.
Kuthekani ukuba uMbuso Wanga awunikeli i-Rideshare Insurance?
Ngelishwa, ukuba urhulumente wakho awunikezeli umshuwalense we-rideshare, unokufuna ukuthenga umgaqo-nkqubo we-inshorensi yoshishino, onokubhatala ngokuphindaphindiweyo kwishumi somgaqo-nkqubo.
Khetha kwixesha elizayo
Kubalulekile ukukhumbuza ukuba imboni yokukrazula kakhulu, incinci kakhulu: kwiminyaka embalwa nje emfutshane, ikhulile isuka kwizinto eziya kumashishini angama-dollar ayizigidi ezigidi kunye nezigidi zabagibeli kunye namakhulu amawaka abaqhubi; imboni yomshuwalense yomshuwalense uninzi kakhulu. Ngombulelo, bahamba ngokukhawuleza. Ukuba unqwenela ukuba ngumqhubi we-rideshare kwiminyaka embalwa edlulileyo, mhlawumbi kwakufuneka uthenge ukuthengwa kweendleko ezibizayo ezingazange zenzelwe abaqhubi be-rideshare, abazange bakugubungele ngexesha lobuqu bakho, kwaye banikezele ngokubhengezwa ngakumbi kunokuba ku funeka. Ii-apps ezithengisa ngokuzenzekelayo ngokwabo zaqala ukunikela ngokukhawuleza, kodwa kwakusoloko kulukhuni kwaye lukhutshwe. Ngombulelo, ukhetho lokuqhubela phambili abaqhubi baqhubekela phambili kwaye luba lula kwaye lunokuhlawuleka. Ukuba ungumqhubi womqhubi, kufuneka wenze umkhuba wokuhlalutya rhoqo iinkqubo zakho ze-inshorensi ukuze uqinisekise ukuba usoloko unomgaqo-nkqubo ongcono kunawe kunye nezidingo zakho, zombini kunye nobugcisa.