Ngaba ucinga ukuba unolwazi oluninzi ngomshuwalense wemoto? Ingaba ulwa nolwazi lokwenyaniso okanye lobuxoki xa uthetha nge-inshurensi yemoto kunye nosapho kunye nabahlobo? Ngamanye amaxesha i-inshurensi yemoto ingadideka ngakumbi xa i-inshorense yemoto iyasasazeka njengeenyaniso. Ixesha lokufika kumzantsi weengqina eziqhelekileyo kanye kunye.
Inkolelo yenkolelo 1: Inqwelo-mali ye-Inqwelo yomshuwalense ibandakanya iNkcitho epheleleyo yeNkcaso okanye iNdengo
Owu, ukuba kwakungelula nje.
Zininzi iintlobo ezahlukeneyo zomshuwalense wemoto, kwaye nganye iquka izinto ezahlukeneyo. Umgaqo wakho othize unokudibanisa iintlobo ezininzi ezahlukeneyo ze-inshurensi, kodwa ukufikelela " ukugcwala okupheleleyo " akulula nje ukubiza inkampani yomshuwalense nokucela ipakethe epheleleyo.
Ukuba uthengela ubuncinci obuncinci obufunekayo ngurhulumente wakho, izinto eziza kuguqulwa zihlala zilimaza emotweni yomntu omnye, umzimba kunye nepropati xa uzibetha (umonakalo kwisithuthi sakho siya kugutywa yinshorensi yomnye umntu) . Kwiindawo ezininzi, kufuneka ukuba uthenge ukukhuselwa kokuzilimaza, okanye i-PIP, eya kufikelela kwiindleko zakho zonyango xa kwenzeka ingozi.
Ukuba ucinga ukuba uphelelwe yintlekele enokwenzeka ukuba uthengisa ngokubanzi , cinga kwakhona. Kuyinyani ukuba uya kugutyungelwa ngezenzo zendalo ezifana nesichotho, umlilo, okanye ukubetha inkunzi, kunye nokuba okanye ukuchithwa kwempahla, kodwa awuyi kuba nokhuseleko olupheleleyo ngaphandle kokuba uthenge ukukhawulelana ngokukhawuleza .
Olu hlobo lokufihla lugubungela ukuba unokwenza umonakalo okanye isithuthi sakho ngengozi yengozi okanye ukuba unesifo se-hit and run accident.
Kodwa jonga ... Kukho ngaphezulu. Ukuba uthenge isithuthi esitsha usebenzisa imali-mboleko kwaye uhlawulwa ngaphezulu kwemali mboleko kunokuba isithuthi siyifanelekile, mhlawumbi ufuna ukuthenga i- inshurensi ye-gap , echaphazela umahluko kwisiganeko sakho sithuthi.
Ukuba umqhubi we-motor uninsured akushaya, ungekho inhlanhla ngaphandle kokuba ungenayo inqwelo yomqhubi we-motor uninsured. Ungacingi ukukhutshwa, ukuncedwa kwendlela, okanye ukukhutshwa kwerenti kufakwe kwipolisi yakho ngaphandle kokukhangela.
Inkolelo yesi-2: IiMoto eziBomvu ngeNdleko eziNinzi zokuqinisekisa
Ukuba uke wathengisa i-inshurensi yemoto ngaphambili, uyazi ukuba le ngqungquthela. Ngoba? Ngenxa yokuba iinkampani zomshuwalense wemoto azikuceli ukuba uluhlu lombala wakho !
Kwisicelo esifanelekileyo, kuya kufuneka ukuba uluhlu lokwakheka, imodeli, unyaka, kunye naluphi na uhlobo olungagqibekanga lwezithuthi zakho, kunye nokubonelela ngolwazi oluthile malunga nawe kunye nawuphi na umntu oya kuhlala eqhuba sithuthi.
Ngoko kutheni iinkampani ze-inshorensi zibuza malunga nombala wemoto yakho? Iinkampani ze-inshurensi ziseshishini lokwenza imali, kwaye ukuba kukho ubungqina bokuba umbala wakho wemoto unento enokuyenza malunga nokuba unokufumana njani ithikithi lokukhawulezisa, ngokuqinisekileyo baya kubuza malunga nombala wakho xa ubala inani lemali yomshuwalense womshuwalense wemoto. Kodwa ngokwezophando ezininzi, akukho bungqina bokubonisa ukuba imoto ebomvu idonsa ngamapolisa ngokuphindaphindiweyo kunemoto yeminye imibala. Xa ukhe uzibuza ukuba, umbala wesithuthi esicatshulwa ngokuqhelekileyo ngokubonakalayo ... umhlophe.
Ukuba uqhuba isithuthi esabiza ukulungisa okanye sinokufikelela kwisantya esiphezulu ngokukhawuleza (aka imoto yemidlalo), ngokuqinisekileyo iya kuphakamisa iipriyamu zakho.
Ukuba uthabatha kwaye uthabathelwe ukukhawuleza ngokukhawuleza, unokuqikelela ukuba u-premium wakho uya kuphakama. Kodwa loo nto ayinanto enombala wemoto-ithetha nje ukuba awuyena mqhubi okhuselekileyo!
Inkolelo yesithathu: Ukuba ndingumqhubi we-App ye-Rideshare, iAnsurance yami eqhelekileyo iya kundityhila
Ungacingi ukuba ube ngumqhubi we-app ye-ridesharing ngaphambi kokuba unqume inani lemali- inshurensi ye- rideshare oya kuyimfuneko kwaye nokuba ingaba inkampani yakho yomshuwalense iya kukuvumela ukuba uhlale phantsi komgaqo-nkqubo wakho okhoyo. Ukuba usengozini xa uqhuba ushishino, akunakwenzeka ukuba inkampani yakho ye-inshorensi izakukufihla phantsi komgaqo-nkqubo ongewona urhwebo.
Ukuba uzama ukwenza imali eyongezelelweyo, fundisa kwaye uzikhusele kakuhle phambi kokuba ufike emva kwesondo.
Iingoma 4: Amasela Athanda Ukutshonyiswa Kwezithuthi Ezikhawulezileyo, Zinyanyekayo, kwaye Ziyabiza
Iimoto ezinqabileyo ziqhelekileyo zenzelwe ukutsala ingqalelo-yiyo kanye eyayiza kuba amasela afuna ukuyiphepha. Ngokwe-National Insurance Crime Bureau, iinqwelo eziqhelekileyo ezibiwe ngo-2017 kwakuyi-Honda Accord ka-1997 kunye ne-1998 Honda Civic-ngokuqinisekileyo ayifaneleki njengeemoto zezemidlalo!