Ngaba isichotho seMoto yam efihliweyo?

Emva kweNkupho

Enye into eqinisekileyo ngemozulu kukuba akusoloko ilungeleke. Iintsholongwane ezinamandla zingonakalisa indlu yakho, imoto kunye nesixeko. Imoto inokugqithiswa ngokulula ngeentsholongwane ezingabonakaliyo ngenxa yokuthotywa komonakalo. Iindleko zokulungisa umonakalo wesichotho unokutshatyalaza kuba umonakalo usasazeka kuyo yonke imoto. Iindaba ezilungileyo kukuba, isonakalo esinokubangela isichotho singabhekiswa phantsi komgaqo-nkqubo wakho womshuwalense wemoto .

Ingaba Ndiye Ndikhokelela Ukusimala?

Ukuba uthenge iimbopheleleko kuphela kwi-inshurensi yemoto yomshuwalense, awuyi kubanjelwa isalathiso sesichotho sesibango. Isibini isichotho kunye nomonakalo wesiqhumane sihlanganiswe phantsi kweemigaqo-nkqubo ye-inshorensi yemoto ebhale uluhlu olubanzi kwizithuthi ezonakalisiweyo. Ukufihla ngokubanzi kufuneka kuthengwe ngaphambi kokuba umonakalo uvele.

Nangona isichotho singenqabile kwiqhwithi, abathwali be-inshorensi babambelela ekungeniseni ngokubanzi xa kuqhankanyiswa iqhushumbana ukuhlaselwa. Ukuba awukwazi ukufumana ingqalelo ebanzi phambi kokuba ibambekile, uya kuba noxanduva lwakho konke ukulimala ngokomzimba kwisithuthi sakho. Ukuba isiqhotho senzeke ukuba senzeke kwisiqhwithi esithile okanye sisiqhwithi sangempela, unayo kuphela ingxelo xa ukongeza ngexesha.

Ngaba Ngaba Ndiza kuhlawula i-Deductible for Hail Damage?

Iideductibles zinqunywe ngexesha lokuthenga i-inshurensi yemoto kwisithuthi sakho. Iinkampani ezininzi ze-inshorensi zifuna ukudityaniswa ngokubanzi, kodwa ngamanye amaxesha i-deductible ye-zero ingafumaneka ngeendleko ezongezelelweyo.

Ukuba unesichotho somonakalo kunye ne-deductible kwi-coverage epheleleyo, kuya kufuneka uhlawule imali yakho xa ufumana isithuthi sakho silungisiwe. Kungakhathaliseki ukuba imali yakho echithwayo, ngokuqinisekileyo iindleko zokulungisa isichotho sakho sonakaliso sithuthi siya kudlula i-deductible yakho.

Ngaba Unokubangela Ingonakalo Yonke Imoto Yami?

Ukukubeka ngokulula, ewe: imoto yakho inokuzaliswa ngumonakalo wesichotho.

Umonakalo ungaba lukhulu, kwaye kuxhomekeka kwintengo ekhoyo yangoku yesithuthi sakho akufanelekanga ukulungiswa. Umququzeleli we-inshurensi uza kukwazi ukuqinisekisa ukuba ingafaki ukulungiswa okanye isilungiso sakho siya kwenziwa kwisithuthi sakho.

Ukubangela umonakalo kunokuphazamiseka ukujongana. Ngokuqhelekileyo abantu banokuziva ukuba le nto ingenakunqandwa kwaye abazive ngathi bafanele ukuba bahlawule ukulungiswa okanye ukuchithwa. Umonakalo wamandla ngenye yezobomi ezingalindelekanga ngamnye umntu kufuneka ajongane kunye namaxesha onke. Khumbula ukuba iinqununu ziyindawo yokugcina iindleko zakho ze-inshurensi jikelele ngezinga elifanelekileyo. Ndiyathemba ukuba, xa ubanjwe kwisiqhwithi, ubona ukubonela phambili ukuthengwa ngokubanzi kwizithuthi zakho ukuba awuyixhotyiswa ukuzimela . Ngaphandle koko, kufuneka uqinisekise ukuba upakisha kwigaraji okanye phantsi kwesigqubuthelo esifana ne-carport rhoqo ngangokunokwenzeka.

Ukuba uyifake ibango, khumbula ukuba imoto yakho mhlawumbi yayingeyona yodwa imoto echaphazelekayo isichotho; Kungathatha ixesha elide kunokuba siqhele ukuqhuba ibango lakho yomshuwalense kunye nokulungisa isithuthi sakho.

Ukuba Ndifake I-Claim kunye neNkampani Yomshuwalense Iyancipha I-Check, Ngaba Ngaba Ndiyayilungisa Ilungelo Lam Isichotho?

Unentlahla! Iinkqubo ezininzi ze-inshorensi zizakukuthumela kuphela isheke emva kokuba kwenziwe ukulungiswa, kodwa ezinye zizakukuthumela nje inani leendleko zokulungiswa okucatshulwayo.

Ukuba unayo imoto yakho ngqo kwaye umonakalo uyigcoba nje, mhlawumbi akudingeki ukuba ulungise. Nangona kunjalo, ukuba ukhetha ukuhlala kunye ne "dimples" yakho, mhlawumbi uya kufumana imali encinane kwisithuthi sakho ukuba kwaye xa uzama ukuyithengisa. Ukuba unomboleko wemoto, kuya kufuneka ukuba wenze ukulungiswa.