Ngamanye amaxesha kuhlawuleza ukuhlawula ibango le-fault-out in pocket
Izizathu ezimbalwa zikhona ukuze abantu bacinge kabini ngaphambi kokuba bafake isicelo sebango. Ubungenakho ukuhlaziywa kwamabango amaninzi kumatyala kunye neendleko eziphezulu ze-inshurensi ngenxa yokukhutshwa komrhumo kufuneka kukuqwalasele ngokucophelela ukufaka isicelo sefowuni. Amanqaku amaninzi ekuphosakeleyo ayakufanelekile ukufowunela xa amanye angase ahlawule ukuhlawula ephaketheni.
Imibuzo ekufuneka uyiqwalasele ngaphambi kokuhlawula ibango ngaphandle kwePokhethi
01 Ngaba zikhona ezinye izithuthi ezibandakanyekayo?
Umzekelo: Ngokukhawuleza uhlutha icala lakho lemoto ngokubhekiselele kwigaraji lakho. Uqikelelo ukususa imirhumo ngu-$ 550. I- deductible yakho i-$ 500. Kungabonakali kukufanelekile ukuhamba kwinkqubo yamabango ama-$ 50 ngokubuyisela.
02 Ngokukhawuleza kufaka isicelo sebango okanye ukuphulwa kwezithuthi kwiminyaka emithathu edlulileyo?
Umzekelo: Ushaya i-pothole enkulu endleleni yakho yokusebenza. Ukulimaza umtya wakho, umtya kunye nokulungelelanisa. Iindleko zokulungiswa yi-$ 1100 kwaye unayo imali engama-$ 500. Uphinde ufake i -accident-accident kwipolisi yomshuwalense wemoto yakho ngaphantsi kwonyaka owedlule. Ukuba neengozi ezimbini zephutha kwirekodi yakho ziya kukubeka ngaphandle kokuhlaziywa. Uya kufuneka ufumane inshorensi yengozi enkulu kunokuba ibango elidala kuneminyaka engaphezu kweminyaka emithathu ubudala. Kuya kuba yindleko ephezulu ukuhlawula ibango le- pothole ngaphandle kwesikhwama ngokuqokelela i-$ 600 ukulungiselela ukulungiswa.
Inyununu enkulu yengozi ingabiza kakhulu. Kudla ngokufuna ukutshintsha iinkampani zomshuwalense wemoto. Ukufakela amabini amabango enkcazo kumqhubi omnye phakathi nexesha leminyaka emithathu phantse uhlala ekwahlula njengomqhubi ophezulu kakhulu.
03 Ngaba iindleko zokulungiswa ngaphakathi kwe-$ 500 ukuya kwi-1000 ye-deductible yakho?
Into enhle ngokufakela ibango yindlela ongeke ufune ukuza ngayo iya kubakho isamba esikhulu semali. Uya kufuneka uhlawule i-deductible kwaye umrhumo oza kuhlawulwa ngexesha elide. I-500 $ ingaba lula kakhulu ukuza kunye ne-$ 1100.
Umzekelo: Unquma ukufaka ifowuni ye-fault-fee nge-$ 600 yokuhlawula. Ukunyusa kwakho kwiinyanga ezintathu ezizayo kubangele ukwanda kwama-300. Kodwa, iinyanga ezintandathu ezantsi komgca unesiphene kwinengozi enkulu kunye ne-$ 10,000 kumonakalo. Ngokuqinisekileyo ufuna ukufaka ifowuni yesibini ngenxa yemali ephezulu yamadola, kodwa ubuya kuba ngcono xa ukhokhela ibango lokuqala. Ewe, awuzange ukwazi ukuba uza kufuneka ufake ifowuni yesibini, kodwa into ekufuneka uyiqwalasele xa ufaka ibango elincinci.
04 Ingaba iindleko zomonakalo wakho zingaphantsi kwe-inshurensi yomngxowankulu?
Umzekelo: Isikrini sakho secala siyakhutshwa xa ungasicacisi isiteshi sokutsala iibhanki. Ukulungiswa kweendleko zibiza i-$ 900 kwaye i-deductible yakho i-$ 500. Emva kokuhlawula imali yakho, inkampani yomshuwalense ihlanganisa i-$ 400 ekhoyo. Ngenxa yokuba ngaphantsi kwama-$ 500 ahlawulwe, izinga lakho le- inshorensi aliyi kuchatshazelwa ngokufaka ibango.
Akunabo bonke abathwali bomshuwalense abanomyinge ofanayo kwiimangalo zamatyala. Kubalulekile ukutshekisha umphathi wakho womshuwalense ukuba ubone ukuba umda uvunyelwe.
Iingxelo zamatyala zihlala zicaphukisa. Isiqalo sakho sokuqala sinokuhlala sifake ibango . Ngenhlanhla amabango amaninzi ayikho i-brainer kunye nefowuni yokufakela ngokukhawuleza. Amabango amancinci azisa izinto ezininzi kwiithebula. Gxininisa kwiindleko ezipheleleyo zokufakela ibango kunye nokuhlawula wena ngokwakho. Ngokuqhelekileyo, ukufakela ibango liphumelele ngenxa yokuba unako ukunyuka kwenyuka kwenyanga ngokunyuka kwenyathelo eliphezulu.
05 Ingaba unesixhakaxhaka sezimali esixakekileyo?
Iingcebiso zokwakha iNgxowa-mali eNgxamisekileyo
- Qala encinci: i-$ 25 ngenyanga iya kuqala ukongezelela ixesha
- Gcina ukubuyiselwa kwentela yakho
- Gcina ukuhlawula umvuzo wakho
- Ngaba uyahlawulwa ngokukhawuleza? Hlaliswa kwii-2 zokuhlawula ngenyanga kwaye oko kukunika ii-paychecks ezi-2 ngonyaka -zisindise!
Ingqiqo enhle yokuba neengxowa-mali ezikhawulezileyo ezikhulu ukwenzela ukugubungela iinshurensi zakho kunye nokudlula. Akukho mda kwindlela ebalulekileyo ngayo ingxowa-mali yengxakeko ingabakho kwimpilo yakho. Yisebenzise ngokukhawuleza kwaye uya kubulela kwikamva.