Ngokuqinisekileyo uya kufuneka ugcwalise iphepha elithile xa ufuna imali ngemali yakho kwi-bhanki okanye nakwezinye iziko lemali lendabuko kunokuba uhlawula isithuthi ngemali. Ababolekisi baya kufuna ukubhaliswa njengentlawulo yokulahlekelwa kwaye mhlawumbi njengokuba bongezelelwe i-insured kwimoto baye baxhaswa ngemali yokuthenga.
Kodwa ngokubulela, ayikuhlawuli mali imali yokongeza ilahleko okanye i-insured eyongezelelweyo kwi-inshurensi yemoto yakho.
Umzekelo: UJohn wathenga imoto eyi-$ 10,000 ngemali. Wabeka i-inshorensi epheleleyo kwi-moto ukukhusela ngokulahlekelwa. Kwiinyanga ezimbalwa emva koko, wayesehla emva kweebhilikhwe waza wagqiba ukuhamba waza wafumana mboleko ngemoto yakhe. Wabiza ummeli wakhe we-inshorensi waza wacela ukuba umnini-mboleko wakhe abhalwe phantsi njengentlawulo yokulahlekelwa. Le yimiyathelo kuphela efunekayo ukwenza utshintsho. Imirhumo yakhe yomshuwalense yemoto ayitshintshi nhlobo.
Ababoleki bafuna umgangatho opheleleyo
Ukuba uthengela isithuthi ngemali yakho, unokukhetha ukuba uthenge kuphela ubuncinci bokubhengezwa kwinqanaba lakho-kodwa awuyi kuba nako okokukhethayo ukuba uhlawula imali yakho. Uhlobo oluphambili phakathi kokubolekwa kwemali kwisithuthi ngokubhekiselele ekungeneni kwintengiso yomshuwalense wemoto kukuba ababolekisi bafuna ukubambisana ngokubanzi kunye nokukhawulelana ngokukhawuleza ngaphezulu kweemfuno eziphantsi zelizwe .
Ukufunwa ukuba uqhube kunye nokudibanisa kunye nomboleki wakho kuya kuphakamisa ngokuqinisekileyo inani le-inshurensi yemoto xa kuthelekiswa nomgaqo-nkqubo kuphela.
Umzekelo: UJohn wathenga imoto eyi-$ 10,000 ngemali kwaye akazange afune ukuhlawula i-inshorensi egcweleyo ngenxa yokuziva ukuba umngcipheko wokulimala wawunzima kakhulu.
Kamva, wayelele emva kweebhilikhwe zakhe waza wagqiba ukufumana mboleko kwimoto yakhe. Umboleki-mboleko wayefuna ukubambisana ngokubanzi kunye nokudibanisa. Umyinge we-inshurensi yemoto yenyuka i-$ 45 ngenyanga (i-$ 540 ngonyaka) kunye neemfuneko zokubhengezwa ezongezelelweyo.
Ngaba Ndinokunciphisa Umbandela Wami Ngeenyanga Zasebusika?
Unokucinga ukuba ukuba imoto yakho ayisebenzisi unyaka-wonke, uphumelele kwinqanaba le mfuneko eyongezelelweyo, kodwa oko akunjalo. Iimoto ezininzi ezixhaswa ngemali zifuneka ukuba zithwale ngokugcweleyo unyaka wonke ude umboleko uhlawulelwa ngumboleki. Abanye ababolekisi baya kukuvumela ukuba ubeke izithuthi kwindawo yokugcina xa kungasetyenziswa kodwa amaxwebhu avela kumphathi womshuwalense uya kufuneka kunye kunye nesayinwe ukuqinisekisa ukuba awuyi kuqhuba isithuthi. Umboleki uya kuba nefom ekhethekileyo oya kuyifumana kwi- agent ye- inshurensi ukuba bazalise. Ukugcinwa kweso sithuthi kunokuba yindleko enkulu yokugcina imali kwaye kuyafaneleka ukuba ubuze umboleki wakho ukuba kunokwenzeka.
Umzekelo: UJohn uxhaswa nge-convertible entsha ukukhwela ngeenxa zonke kwiinyanga zasehlobo. Ufuna ukuyigcina elungileyo kangangokuthi unomfanekiso omdala owenzayo ebusika. Ucela umnini-mboleko wakhe ukuba unokunciphisa i-inshorensi yakhe kwinyanga zonyaka zasebusika .
Umboleki uyavuma kwaye uJohn uzalise ifomu aze athathe ithorensi yakhe yokugqitywa kokugqibela. Izinga le-inshurensi likaJohn liyancitshiswa lonke ixesha elibusika ngenxa yokutshintshwa kwenkcazo. Uya kufuneka adibanise nommeli wakhe we-inshorensi entwasahlobo ukuze wandise ukukhutshwa kwakhona kwi-coverage.
Umthengisi Uyazi Njani Umthombo Onayo Kwi-Inqwelo Yomshuwalense?
Ukuxhaswa kwezithuthi kuza nephepha elincinci. Umboleki uya kufuna ukungeniswa kwipolisi yomshuwalense wemoto yakho njengentlawulo yokulahlekelwa. Abathwali be-inshurensi bahlaziye ilahleko ezihlawulwayo ngeposi ngeliphi na utshintsho kumgaqo-nkqubo malunga nesithuthi esibhalwe kuso. Iquka iintlawulo zexesha elifutshane, utshintsho lwezobhengezo, kunye nokukhanselwa komgaqo-nkqubo.
Umzekelo: UJohn uxhaswa ngemoto entsha nge-union yakhe yemanyano kwaye wabalula njengentlawulo yokulahlekelwa yintengiso yomshuwalense wakhe. Kwiinyanga ezimbalwa kamva ufumana emva kwe-inshurensi yemoto yakhe aze ahlawule umhla wakhe wokugqibela.
Ngenhlanhla, usekhona ngexesha lakhe lobabalo xa ehambisa intlawulo yakhe. I-credit union yamkelwe isaziso sokuhlawula ngokukhawuleza. Umboleki ubiza inkampani yomshuwalense ukuba ifumene ukuba intlawulo ihlawulwe. Ukuqinisekiswa kwenkokhelo kuqinisekisiwe kodwa ukuba inkokhelo engangeniswa yona ibingakhokelela kumboleki-mali ukubeka ipolisi yomshuwalense wenkampani yesithathu kwisithuthi sakhe.
Ukuthenga iMoto entsha okanye entsha
Ingaba uthengisa imoto entsha okanye ukuphucula kwimoto entsha, i-inshurensi yemoto yomshuwalense inokutshintsha. Amaxesha amaninzi aya kunyuka kuba uqinisekisa ixabiso elibi kakhulu. Uninzi lwezinto ezichaphazela indleko yomshuwalense . Yonke into equka indlela entsha inqwelo yezothutho ekukhuselweni kwayo inokuchaphazela iirhafu zakho. Njalo uhlolisise i-inshente yakho ye-inshorensi ukuze uthole i-quote kwi-inshurensi ngaphambi kokuthenga imoto. Ininshurensi kufuneka ifakwe kubhajethi yakho ngaphambi kokuthenga imoto.
Recap
• Ukuxhaswa kwezithuthi kunokuchaphazela i-inshurensi yemoto yakho.
• Ukubhala uluhlu lwelahleko aluchaphazeli izinga lakho le-inshurensi.
• Ababoleki bafuna ukukhutshwa komonakalo okwenyukayo onokunyusa iindleko ze-inshurensi yakho ukuba awukakucwangcanga ngokukhawuleza.