Iingozi zentaba ziyancipha ngenxa yokuba zihlala zibangelwa ngenxa yephutha lomqhubi-kwaye akufani neyondo inenkampani yomshuwalense onokuxoxisana nayo!
Amahemuhemu ajikeleza malunga nama-deductibles akhutshwe ngenxa yokuba ingozi yenzana iyisenzo sikaThixo. Okanye ukuba urhulumente uyawuhlawula i-deductible yakho ngenxa yeenombolo eziphezulu. Akunjalo nakwiyiphi na imeko okanye nayiphina inkampani yomshuwalense. Ingaba i-deductible isebenze okanye isetyenziselwe ukuxhomekeka kwindlela obeka ngayo ekuqaleni umgaqo-nkqubo we-inshurensi yemoto.
Ukuba unemali yomshuwalense kuphela, mhlawumbi ungenalo inhlanhla. Kodwa umonakalo kwisithuthi sakho ekubetheni inzala ihlanganiswe phantsi kwe-coverage epheleleyo, okanye umgaqo-nkqubo / wongeza ngamanye amaxesha ubizwa ngokuba "ngaphandle kokungquzulana" - nangona kunjalo, kukukunceda xa kwenzeka ukungqubana,! Ezinye iinkampani zinikeza i-zero-deductible ngokubanzi, kodwa uhlawula intengo ephezulu yolu khetho. Ukuncitshiswa okuncinci kunconywayo kuba kuya kunceda ukunciphisa indleko zeendleko zakho ze-inshorensi. Okwangoku, kusekho ukulawula xa uhamba ukuzingela ngemoto yakho.
Ukuxhatshazwa Kwenziwa njani?
I-deductible yimalini yemali oyihlawulayo epokothini xa ibango lakho le-inshorensi yakho ivunyiwe.
Ukuba ne-deductible, okanye nakweyonto ephakamileyo, kuya kunciphisa iindleko ezipheleleyo ze-inshurensi yemoto yakho. Iinkampani zomshuwalense ziyabathanda kuba ziyazi ukuba unento etyalomalileyo, ekukhuthazeni ukukhusela isithuthi sakho. Kwaye kufuneka ubathande, kwakhona, kuba ngeminyaka ungenayo iingozi, nje ngokuba ubeka imali eceleni (mhlawumbi kwi-akhawunti yokulondoloza inzala?), Mhlawumbi uya kuba ngowakho ekupheleni kunyaka kunokuba ahambe kwinkampani yomshuwalense!
Kodwa kunjalo, abaninzi abantu bayabutha izithintelo. Bavakalelwa ukuba akufanele bahlawule nayiphi na indlela yokulungisa njengoko behlawula iindleko eziphezulu ze-inshurensi. Into eyenjalo, ziyimfuneko. Cinga ngemali engakanani ebiza indleko yenkampani yomshuwalense ukulungisa imoto yakho engozini, kwaye ucinge malunga nokuba bangakanani imali abayifumanayo kunye nexabiso elincinci. Ngoku cinga ngokususa. Zonke iiprojeyam zomshuwalense yemoto ziza kuba zingenakulungiseka. I-Deductibles nayo inika abaqhubi abakhuthazayo ukuba bazame ukukhusela isithuthi ngokusemandleni abo.
Khetha i-Best Deductible ye-Coverage Comprehensive
Yintoni eyenza i-deductible kakuhle? Iindleko zokuxhaswa ngokuchasene nomlinganiselo weli dola we-deductible. Hlola iindleko zemida eyahlukileyo. Ndiyakholwa ukuba uya kufumana, i-deductible ephezulu kwi-coverage engapheliyo ayigcine yonke imali. Ngokuqhelekileyo, ixabiso elincinci elincinciweyo elipheleleyo liyona nto ikhethekileyo. Izinto ezininzi ezinobungozi, ezibangela ukulahlekelwa, ziwela phantsi kwenkcazo eyenza kube lula kakhulu ngexesha elithile uza kufaka ibango.
Olupheleleyo alugcini nje ngeengozi zemoto. Kuya kubakho umonakalo wokubetha isilwanyana , umlilo, ukweba , ukuchithwa kwemithi, ukuwa komthi , isichotho , izikhukula , kunye nezinye ilahleko ezinxulumene nemozulu. I-deductible oyichithayo yokufikelela ngokubanzi iya kusebenza kuzo zonke iintlobo zelahleko.
Qinisekisa ukuba unokukwazi ukufumana umgaqo-nkqubo we-inshurensi yemoto kunye ne-deductible yakho. Abantu abaninzi bakhetha i-deductible engalunganga. Bakhetha ukuba bancinci kakhulu ukuba benze umgaqo-nkqubo ubiza kakhulu okanye ukhethe kakhulu ukukhangela imali ukwenzela ukuba bakwazi ukufumana imoto yabo yalungiswa xa kwenzeka umonakalo.
Shayela ummeli wakho we-Inshurensi ye-Car Car
Iideductibles yile ngxoxo esele isele igosa lakho. Khangela ukuba zeziphi izinto ozikhethayo, yintoni okhoyo ngoku kwipolisi yakho, kwaye unqume ukuba yiyiphi indlela enokukhetha ngayo wena nentsapho yakho. Kukho ukhetho olungenakulungileyo, ukhetho lukhona ukuze ukwazi ukukhetha okulungileyo kwiimeko zakho ezithile. Kungakhathaliseki oko ukhethayo, yazi ukuba uya kuhlawulwa ukuhlawula imali yakho xa ushaya i-deer okanye nokuba inkunzi ikubethe.
Mhlawumbi unokufumana inhlanhla engcono ukuba uhlawule umonakalo we-pothole ngokuxhomekeke kwingozi yenzama, nangona kunjalo, nokuba kunokuba nzima kakhulu.