Ukuqwalasela ngokukodwa oko kwenza iinqwelo zokulahlekelwa kweMoto
Ukuba unesiqulatho esiphezulu, mhlawumbi uyazibuza ukuba ngaba uya kufuneka ulahle imoto yakho ngonaphakade, okanye nje ixesha elikulo lokulungisa.
Ngamaxesha amaninzi, uya kumangaliswa okokuba ivenkile yomzimba inokulungisa. Ngamanye amaxesha, ngomonakalo omkhulu, ulunge ngakumbi ukuba ungayilungisi isithuthi kwaye uthathe ilahleko epheleleyo yokuhlawula kwi-inshurensi yakho nje kuphela xa ufunyenwe ngumgaqo-nkqubo wakho womshuwalense. Kule nqaku, uya kufunda ngokubanzi malunga nokokuya kuthathwa ukuba isithuthi silahlekelwe ngokupheleleyo kwaye ingaba ungasigcina isithuthi emva kokuba sele siphelile.
Inqwelo echongiweyo ichongiwe yiimfuno zikaRhulumente
Amaqela ahlukeneyo aneenkcazelo ezahlukeneyo zeemoto ezilahlekileyo. Uninzi lwamazwe lubona isithuthi esipheleleyo sisisebenzisa izikhokelo ukuba ukuba umonakalo wezithuthi ungaphezulu kwe-70 okanye i-75% yexabiso langempela lemali eliya kwi-junkyard. Amazwe ambalwa alitshintsha ezo zikhokelo.
Ngokomzekelo, iFlorida iyahamba nomonakalo ongama-80% ngaphambi kokuba ilahle ilahleko. Abaguquli bamabango basebenzisa i-software ekhethekileyo yeekhompyutha ukuba bafumane iindleko zomonakalo ngokumalunga nexabiso langempela lemali.
I-Airbag yam isebenzisiwe. Ngaba imoto iyazenzekela ngokuzenzekelayo?
Ngokuqhelekileyo kuthiwa i-airbag esetyenzisiweyo ithetha ukuba isithuthi siphelele, esilisoloko sinyani.
Isizathu sokuba abantu abaninzi bakholelwe oku kukuba ipesenteji ephezulu zezithuthi zizaliswe emva kokuba i-airbag idlulele izizathu ezimbalwa. Uninzi lwabantu luthwala umonakalo emzimbeni kwizithuthi eziguga eziye zahlutha kakhulu. Ii-Airbags zibiza kakhulu ukuya phezulu kwi-$ 1,000. Ngoko xa imoto eyimodeli endala ine-airbag esetyenzisiweyo, kunye nomonakalo womzimba obangela ukuba i-airbag iqhube kwindawo yokuqala, ngokuqhelekileyo imoto iyonke.
Umzekelo: UJohn unesithuthi esineminyaka engama-9 ubudala kwaye sithatha ingqalelo ebanzi kwinkqubo yakhe yomshuwalense . Uhlasela intonga emgwaqweni omkhulu kunye neengqwembe zakhe zomoya. Iindleko zokutshintshwa kwe-airbag kunye nomonakalo owenziwe emphefumlweni wangaphambili zidlula inani elipheleleyo lexabiso lemali yesithuthi. I-inshurensi yakhe yenkampani iphelele isithuthi sayo ngenxa yokuba akufanelekile ukulungisa.
Izithuthi ezitsha ngokuxhomekeke kwintengo yesithuthi esithengiweyo ingalungiswa. I-Hyundai Accent entsha isenokuthi ifikeleleke ngokucacileyo nge-airbag esetyenzisiweyo, kanti i-Cadillac Escalade entsha isenokulungele ukulungiswa.
Umzekelo: UJohn uqhuba i-Cadillac Escalade eneminyaka eyi-6 ehamba ngeendlela ezinqabileyo. Ukugcinwa kwendlela yokuhamba kwendlela kushiya ukuba akwazi ukuyeka kwaye emva kwakhe-uphelele esinye isithuthi. I-airbag yakhe isetyenzisiwe kwaye kukho umonakalo ongaphambili kumoto wakhe.
Umonakalo ufinyelela kwi-50% yexabiso lexabiso lemali ukwenzela ukuba inkampani yomshuwalense ilungise isithuthi esifana nesimo, somusa kunye nomgangatho.
Ndingakwazi Ukuyigcina Imoto Yami Ukuba ixutywe?
Kunokwenzeka ukubuyisela inqwelo yakho ngesitya salvage xa kuthathwa njengelahleko elipheleleyo. Iinkampani ze-inshurensi zihlawula ixabiso langempela lemali kwisithuthi esipheleleyo sinqunyulwa . Unenketho yokuhlawula inkampani yomshuwalense imali encinci kunye nexabiso lokususa i-vehicle, ngokuqhelekileyo ukusuka kwi-500 ukuya kwi-800 zama-800. Emva kokuba uthenge imoto, uyakho okwenzayo njengoko uthanda. Uya kufuneka uhlolisise inkampani yakho yomshuwalense ukuba ubone ukuba ngaba nayiphi na imiqobo ethintela ukuqinisekiswa kwesithuthi ngesitulo salvage .
Ukwazi ukuba ingaba isithuthi sakho siphelelwe sisisinyathelo sokuqala kwinkqubo yamabango. Ukuba awuqinisekanga nokuba ingaba isithuthi sakho siphelile, faka ibango lakho kwaye ubuze i- adjuster claims yakho ngolwazi olungakumbi.
Ngamaxesha afana nalawa ufunda indlela enhle ngayo inkonzo yomthengi enikezelwa yinkampani yakho yinshuwalense .