Thatha isenzo ngokukhawuleza
Mhlawumbi ukhohliwe malunga nentlawulo efunekayo, okanye mhlawumbi uye wenyuka into eyakuyeka ukunyamekela ishishini, zikho izizathu ezininzi zokuba abantu bangagqiba njani imeko apho ipolisi yabo ichithwa khona ngaphandle kwenkokhelo.
Ukucinywa kokungahlawulwanga mhlawumbi kuxhaphake kakhulu kunokuba ucinga, nangona kunjalo, inxalenye ebalulekileyo kukuba xa ufumanisa ukuba kukuthatha inyathelo ngokukhawuleza.
Andiyifuni Umgaqo-nkqubo, Ngaba Ndiyakwazi Ukuvumela Ukuba Ukhanselwe kwaye Uhambe Kwindawo?
Ungaze uvumele umgaqo-nkqubo ukuba unqunywe ngaphandle kokuhlawulwa ngenxa yokuba awuyidingi inshuwalense kwakhona. Ukuba awuyidingi i-inshurensi, okanye sele usuqinisekisele kwenye indawo kwaye wacinga ukuba unokwenza ukuba umgaqo-nkqubo uphelelwe phantsi, uyiphutha. Kukho umahluko omkhulu phakathi kokucinywa kokungahlawulwanga kunye nokukhansela umgaqo-nkqubo ngenxa yokuba awufuni. Ukuba kunjalo, qhagamshelana nomshuwalense wakho ngokukhawuleza uze ubatshele ngento yokuba awuzange uyihlawule ngenxa yokuba awufunanga umgaqo-nkqubo. Bangakuvumela ukuba ucele ukukhanselwa kwaye umise ukungahlawulwanga. Kwezinye iimeko, ukuba uzinikezele kwenye indawo, unokucela ummeleli wakho omtsha ukuba akuncede ngokuthumela ubungqina bomshuwalense wakho omtsha kummeli omdala womshuwalense , kunye nenqaku elithetha ukuba umgaqo-nkqubo "awunyanzelwanga" kwaye uqinisekisele kwenye indawo.
Ubu bungqina bomshuwalense kunye nekampani entsha kufuneka kukuvumele ukuba ulungise umba ukuba i-policy yekota kwimigaqo-nkqubo efanayo ifanayo. Kwiyiphi na le meko, ubanike umnxeba uze ulungiswe okanye kuya kuba yinto engalunganga kwimbali yakho yomshuwalense kwaye unokukuyeka ukuba ufumane i-inshurensi okanye ufanele ukulungiselela izicwangciso zentlawulo kwixesha elizayo.
Ndiyiyeka njani iPolisi yam ekukhutshweni kweNgeniso-ntlawulo?
Qhagamshelana nommeli wakho we-inshorensi ukuxoxisana nokubuyiselwa kwakhona kwaye umise umgaqo-nkqubo wakho ukuba unqunyulwe. Buza into ongayenza ukugcina umgaqo-nkqubo wakho usebenza. Ukuba unesizathu esithile sokuba ungazange uhlawule, njengokuhlala esibhedlele, ukugula okanye ukufa kwintsapho, uhambo oluthatha ixesha elide kunalindelekileyo, okanye mhlawumbi uthintela iingxaki zemali kwaye unenkathazo ngeetyala , uchaze iimeko kubo kwaye bacele ukuba bacinge kwakhona. Ngokuqhelekileyo ukuba kukho imeko ekhethekileyo kwaye ube ngumnikazi wepolisi ngexesha elithile, basenokukwazi ukuxoxisana nemigaqo emitsha yokuhlawula. Kwiimeko ezinzima kakhulu, zilungele ukuhlawula imali epheleleyo ngenxa yokuba ipolisi yakho ichithwe ukuze ibuyisele kwakhona. Iinkampani zomshuwalense zihlala zikulungele ukusebenza okuthile xa ubaxelela oko kwenzekayo.
Ungalokothi ulawule izaziso malunga nokuhlawulwa kwexesha okanye ukukhansela . Kubonakala kunzima ukujamelana nayo, kodwa ngokuthetha ngokukhawuleza kunye nommeli wakho, unokukwazi ukugcina ipolisi yakho kwaye ugweme amaninzi amaninzi.
Ngabe Inkampani Yomshuwalense yayiya kundikhusela njani ngokungenzi Intlawulo?
Inkampani yomshuwalense ikunikezela ngemimiselo yenkqubo yokuhlawula xa ubhalisela ipolisi yakho.
Ngaloo migaqo, kukho izikhokelo ezichanekileyo ezilawula isivumelwano semali somgaqo-nkqubo wakho. Naliphi na ixesha ulahlekelwa yintlawulo kwisivumelwano sakho, nokuba ngaba ukhohliwe ukuyilimela kuyo, okanye ulahlekelwa yile nkcukacha, ubeka ipolisi yakho engozini. Xa iintlawulo zibuyisela kubo, le ngenye ingxaki enkulu. Akukona nje ukubiza imali eninzi kwiimali ezivela kwi-bhanki yakho, kodwa inkampani yomshuwalense ingadibanisa imali eyongezelelweyo yokusebenza. Ukuba ulahlekelwa yintlawulo enye okanye uhlawulise i-Fund-Non-sufficient Funds (NSF), akuthethi ukuba uzakukhanselwa ngokukhawuleza. Isivumelwano sakho sokulungiswa kwentlawulo kufuneka sicacise iinkcukacha ezithile malunga nendlela oku kuya kuthathwa ngayo. Iinkampani ezininzi, umzekelo, ziya kuvumela uxolo xa unentlawulo enye ye-NSF, mhlawumbi ezimbini, kodwa emva kweziganeko eziphindaphindiweyo, zihlala zilungele ilungelo lokukukhansela ngenxa yokungakhokhelwa, kungakhathaliseki ukuba zingaphi iintlawulo ezenziwe ngaphambi kwesiganeko.
Iindlela eziPhezulu zokuKhusela ukuCulwa kweNtlawulo engekho
Uqikelele, hlawula i-premium yakho. Iinkampani ezininzi zinikela ngenketho lokukhokha ngokwenene kunye nokuguquguquka , umzekelo, iPlassi yakwaRhulumente inika i- Apple Pay njengenye yeendlela ezikhethwa kuzo. Uninzi lwabatshintshi banikezela ukuhoxiswa kwebhanki, iintlawulo zekhadi zetyala okanye iinketho zebhanki kwi-intanethi Abanye abatshorensi banikela iintlawulo ngee-apps zokusebenza. Fumana i-inshurensi esebenza kakuhle kwimpilo yakho.
Qinisekisa ukuba ukhetha isicwangciso sokuhlawula, kunye nexesha lokuhlawula umvuzo onokusebenzisana nayo xa usungula umgaqo-nkqubo wakho womshuwalense kwaye ukuba awusebenzi kuwe xa izinto ziguquka ebomini bakho, ungabiza inkampani kwaye ucele ukuthatha isicwangciso esitsha .
Into ebaluleke kakhulu kukunxibelelana nommeli wenkampani ye-inshorensi ngokukhawuleza ukuba ucinga ukuba unokwenza ingxaki kwiintlawulo zakho. Uninzi lwexesha baya kusebenza nawe ukuze ubuyisele ipolisi yakho kwaye ikubuyisele kumzila. Babize uze uzame kwaye wenze ilungiselelo, imiphumo yokucinywa ngaphandle kokuhlawulwa yinto enzulu kwi-inshurensi yehlabathi, kwaye unokuba nobunzima ekufumaneni i-inshorensi efanelekileyo emva kokuba ukhanse kwifayile. Ingakwazi ukuhlala kwingxelo yakho yomshuwalense iminyaka emininzi.
Gcinani engqondweni, ukuba unenkathazo yokuhlawula i-inshurensi yakho, uya kuba nexesha elinzima ukuhlawula umonakalo ukuba ulahlekelwe kwaye i-inshorensi yakho ikhanseliwe. Ngaphezu kunini, xa unenkinga yemali, yakho yinshurensi yinto yokugqibela ofuna ukuyilahleka. Yenza nantoni na efunekayo ukubuyisela izinto kwi-track, ngoko uhlala unesiqinisekiso kwaye ukhuselwe.
Ukuqonda Ukukhanselwa kweNkqubo engekho-Intlawulo
Eli nqaku liyisikhokelo sokukunceda ukuba uqonde ukuba ukukhanselwa kweentlawulo ezingasebenziyo kusebenza njani nenkampani yomshuwalense. Ekubeni i-Inshorensi ilawulwa kumgangatho wendawo, wonke urhulumente kunye nephondo baya kuba neenkcukacha ezahlukeneyo. Kwakhona, yonke inkampani ye-inshorensi inemiqathango eyahlukeneyo yentlawulo. Ngako oko, le ngcaciso kufuneka isetyenziswe njengesikhokelo esipheleleyo sokukunceda ukubuyisela izinto kwi-track, kodwa akukho ndlela ithatha indawo yemithetho, imimiselo okanye imingcele yemigaqo ethile.