Indlela yokuqinisekisa imoto ngeentente okanye ukukhangela okanye omnye umonakalo omncinci
Ukulimala kwangaphambili Ngaba akuqinisekisiwanga nge-Inqwelo yomshuwalense
Makhe ndenze into eyodwa i-crystal ecacileyo, umonakalo wangaphambili awunakuze wugqitywe ngumgaqo-nkqubo womshwalense omtsha. Umzekelo, uthenge imoto esetyenziswayo kumhlobo. Iminyaka emibini nje kuphela, nangona kunjalo, umhlobo wakho unalo irekhodi eliqhubayo lokushayela kwaye ubeka imali engama-dollar ayi-1000 kwi- intanethi ngokubanzi kunye nokudibanisa ukunciphisa indleko yomshuwalense wemoto. Intsana ikhunjulwe kwiplanethi yekota yangemuva ishiya intsimbi enhle. Ukulungiswa kweendleko zibiza i-$ 900, ngoko ke nge-$ 1000 echithwayo, i-inshorensi ayiyi kunceda. Endaweni yokuhlawula ukulungiswa, uthengisa isithuthi kuwe. Akukho mgaqo-nkqubo we-inshorensi endala okanye entsha iya kubhalela lo monakalo.
Kutheni Kubalulekile Ukuba I-Car InokuPhambi Kwemvelo?
Konke kuya kwe-inshurensi entsha ye-inshurensi engekho uxanduva lokubonelela ngomonakalo ongaphambili. Ukuthintela ukukhwabanisa ngomshuwalense kubaluleke kakhulu kwiinkampani zomshuwalense.
Ukufakela isithuthi esichasene nomonakalo owenziwe ngumonakalo obangelwayo kuyacaca ukuba kukho inkxalabo. Ibango lexesha elizayo elinokuthi libandakanye umonakalo ongaphambili. Abathwala i-inshurensi badla ngokudibanisa imoto eyonakalisiweyo kunye nomngcipheko ophezulu kwiibango ezizayo.
Yintoni Okufanele Uyenze?
Kubaqalayo, thatha intlawulo yokulungiswa kwintengo yokuthenga imoto.
Ukugcina imali kwixabiso lokuthenga akunakukunikezela ngemali okwenzayo ukulungiswa kwangoku. Ixesha lokufumana i-inshurensi yemoto yakho ukwenzela ukukhusela isithuthi sakho malunga nomonakalo ozayo.
Ukulahlwa Kwenyuka
Uninzi lwabaxhasi be-inshorensi ezikhethiweyo aluyi kufuna ukunika umonakalo owenziwe ngomonakalo kwisithuthi ngokulimala kwangaphambili. (Ndiyathetha ngomonakalo obaluleke ngakumbi kunokwakheka okanye ukudibanisa apha.) Umonakalo wezinto ezibonakalayo kubandakanya ukugqithwa okubanzi kunye nokukhawulelana.
- Umbandela opheleleyo : Inkqubo yinkcazo ebandakanya iibango ezingabandakanyi ukudibana. Ngamanye amaxesha, kuthethwa ngokuba "ngaphandle kokungqubana". Ukuba ushaya intonga, ujongane nomlilo wemoto, ukweba, ukuchithwa kwempahla, i-windshield ephahliweyo, okanye umonakalo ohlobene nemozulu, uhlahlo olupheleleyo luya kuhlawula iindleko zokulungiswa kokunciphisa.
- Ukubambisana kombane : Iingozi zenzeke kunye nokukhawulelana kwendawo yokubonelela kunika uncedo xa usonakalisa ngengozi imoto yakho ngokubetha into engaphiliyo okanye enye imoto. Ukuqhawulwa kukubambisana kakuhle ukuba kunokuba isithuthi sakho sixabiswe kwiiyure eziyi-6 okanye ezisixhenxe zeedola.
Thenga Intlawulo yokuBakho
- Uxanduva kuphela : Olu luhlobo olulodwa olunokufumana ngaphandle kokukhathazeka. Ukugcinwa kweemfanelo akukhuseli imoto yakho ngokumalunga nomonakalo. Kodwa ke, ukukhusela abaqhubi bezithuthi ngokumalunga nomonakalo kwenye indawo kunye nokulimala. Ukuthengwa kwekharityhulam yomncinci wecandelo lonyango liyadingeka ukuze kuqhutywe imoto ngokusemthethweni. Abathwali be-inshurensi abaxhatshazwa ngengozi emfutshane kwizithuthi xa kuthengwa umgaqo-nkqubo kuphela.
- Ukhuseleko: Ukuze ufumane umthwalo wemfanelo, umonakalo kwisithuthi awukwazi ukukhusela umkhuseleko. Ukulimala kwisakhelo esisiseko okanye i-airbag kunokukukhusela ukuba ufumane i-inshorensi. Ukhuseleko lwakho lubalulekile! Fumana konke ukulungiswa okukhulu okwenziweyo ngaphambi kokuba uqhube okanye uyithumele kwididi.
- Ubuncinane beMfanelo : Ummandla ngamnye unemiqathango yayo yemithetho emalunga nemithetho engaphantsi yoxanduva lwe-inshurensi. Naliphi na ixesha ufunda nge-inshurensi yemoto, ngokuqhelekileyo uya kufumana ubuncinci bexabiso elinconywayo lokunikwa ngqalelo. Inyaniso ngokwenene! Ukuqwalasela ngokukhawuleza ukuthenga ubuncinci benkcazo kwaye uhambe nemida ephakanyisiweyo ye-100,000 / 300,000 yemfanelo. I-100,000 yeyona mali ingahlawulwa ngomntu ngamnye ukuya kwii-300,000 zeengozi nganye. Kwakhona kunconywa i-$ 100,000 yomonakalo wepropati. I-15,000 ukuya kwii-25,000 zamawaka ayikho ngokwaneleyo ukukhusela abashayeli endleleni namhlanje.
Qhubeka Ukhangeleka, Umonakalo Wokwenyama Ubangaphandle
Kuya kuba nzima ukufumana i-inshorensi ekhethiweyo ukuba uvumele umonakalo owenziwe ngomzimba kwisithuthi ngomonakalo. Ukuba ufuna ngokwenene ukukhuselwa komzimba, uya kuba neenhlanhla zentengiso kunye nomthengisi ongeyena osemthethweni . Umphathiswa ongeyena osemgangathweni ufuna abaqhubi abanobungozi obuphezulu kwaye banike amazinga asekelwe kwiimeko ezinzima.
- Xela iMonakalo: Ungazami ukufihla umonakalo okwangoku. Into yokugqibela ofuna ukuba iphandwe ngenkohliso yomshuwalense. Ngokuqinisekileyo akufanelekanga ingozi okanye ingxaki.
- I-Agent iya kubhala iMonakalo: Ininzi inokuthi umthengisi womshuwalense uya kufuna umonakalo obhalwe. Baya kuba nefomu ukuzalisa apho bahlomela inkcazelo yomonakalo. I-arhente iya kufuna ukubona isithuthi kwaye sinokuthi sithathe iifoto zomonakalo.
- Ukufakela ibango : Ukuba ibango lifakwe, umshuwalense uya kuba nomonakalo ongaphambili kwifayili. Ukulungiswa komonakalo owenziwe ngokukhawuleza akuyi kulungiswa.
Ukuhamba nomntu ongeyomgangatho wemimiselo yomshuwalense wemoto ayikho imeko efanelekileyo, ngakumbi ukuba uthathwa njengomqhubi okhethiweyo. Ireyithi iya kuba yinto ephakamileyo xa kuthelekiswa nomthuthi othandwayo. Kodwa, kwezinye iindawo zokuthengisa ezibizileyo kungcono kunokuba kungabikho nkonzo. Ukucinga ukuba unalo irekhodi elifanelekileyo lokuqhuba, sebenzisa umgaqo-nkqubo ongaqhelekanga uze ukwazi ukwenza ukulungiswa. Emva koko sekuyisikhathi sokuqala ukuthenga ngeenxa yomshuwalense othandwayo ngokukhawuleza.
Ukunyulwa kweNgcaciso yoMshuwalense
Yeka i-extras. Musa ukuguqulwa kwinqanaba lenkxaso kunye neendleko zokuqashisa imoto. Uya kuyidinga yonke imali yakho eyongezelelweyo ukuze ulondoloze ukulungiswa komonakalo ongaphambili. Ukukhetha i-deductible ephezulu kwizinto ezibini kunye nokudibanisa kunokukugcina imali. I-deductible ephezulu ingabonakala ingxaki xa kwenzeka ingozi ukwenzela ukuba ufanele uqikelele ingozi yakho.
Kuthekani ukuba ndiba neBango le-Intshumo ye-Car kwaye andizange ndibize ukulimala kwangaphambili?
Sungcangcazela! Akukho konke okuqhelekanga ukufaka ibango ngenani elikhulu lomonakalo ngelixa kukho umonakalo omncinane kwisithuthi sakho esingazange senziwe. Abatshintshiselwano be-inshurensi babone konke. Kwaye amaninzi amaninzi, i-adjuster iza kuba nokubona umahluko phakathi komonakalo owangaphambili kunye nebango langoku owenzayo.
- Yinyanisekile: Vumela umlawuli wakho womshuwalense womshuwalense uyazi malunga nomonakalo owangaphambili. Okunye okuzayo unayo iinkcukacha zeziganeko, ngokuqhelekileyo zibhetele. Ungazami ukufihla umonakalo ongaphambili okanye ukuphika ubukho balo. Ukuba umonakalo wakho omtsha, ngokugqithisa ngokukhawuleza umonakalo wangaphambili bangakulungisa konke phantsi kwebango elinye.
- Amangalo amaninzi : I-adjuster inokuthi ithathe isigqibo sokuba amabango ahlukeneyo kufuneka ahanjiswe ukuze ahlawule zombini umonakalo ongaphambili kunye nongoku. Iingxowa ezimbini ziza kuhlawuliswa kwaye zonke izilungiso zenziwe ngokukhawuleza ukuba zifumene iifayili ezifanelekileyo ezidweliswe kwipolisi yakho ngexesha lomonakalo ongaphambili.
- Ukungazixakeli ukulimala kwangaphambili: Ukuba awukhathazeki malunga nomonakalo ongaphambili, i-adjuster mhlawumbi iya kuthi ivenkile yecandelo lingayinaki umonakalo kwaye ilungise kuphela umonakalo kwibango langoku elifakiwe. Uya kufuneka uhlawule i-deductible kwibango langoku kwaye ukulungiswa kuya kwenziwa kuphela kule ngozi ethile.
- Inkohliso yomshuwalense : Akungabikho ukuba inkohlakalo yomshuwalense wemoto iyakuvela ekufakeni ibango nangona unomonakalo ongaphambili. Ungazami ukufumana umonakalo omdala ohlanganiswe ibango langoku kwaye yonke into ifaneleke.
Umzekelo: Kusentwasahlobo kwaye unyana wakho nabahlobo bakhe bebetha iibhola zegalufu egcekeni. Izakhono zabo zakhono ziphucula ngokukhawuleza emva kweempawu ezimbalwa kunye neebhola ezi-3 ziphela zihlasele kwicala leSUV yakho. Amathambo amakhulu amathathu emacaleni omqhubi we sithuthi ngoku aphephe nje ngesigxobo esibi. Unenkcazo epheleleyo yokunceda ukugubungela indleko yomonakalo, kodwa unalo ixesha okanye imali echithwayo ukuba uxhalabele ngoku ngoku. Ngokukhawuleza ukuwa, ixesha lezontya lifikile kwaye wena ngowokuqala ukufumana intwana. Ngelishwa, i-SUV yakho kwaye ayikho isaphetha sakho. Inzala igijima ngokuthe ngqo kumnyango wecala lomqhubi kwaye inonakalisa isithuthi ukuba siphume siphele. Xa i-adjuster iphuma ukujonga umonakalo, loo mabhola e-golfo ayabonakala kwaye akahambelani nengozi yenzama. I-adjuster ikubuza ngomonakalo, uchaza imeko, kwaye i-adjuster ivumela ukuba isithuthi ilungiswe phantsi kwebango lezondlo.
Ezinye izithwali zomshuwalense zinokuba ziqine kunezinye xa zifika kumonakalo ongaphambili. Kungenzeka ukuba i-adjuster ifune ukuba amabango amabini afakwe, nangona eneenkcukacha kumzekelo ongentla, akunakwenzeka.
I-inshurensi yemoto ihlala izele iimeko ezizodwa. Zininzi zinokuthi zenzeke kwimoto kunye neemeko zihlala zihluke. Kuhlala kukulungele ukufuna ingcebiso yegosa yomshuwalense elayisenisi xa unzima ukubuza imibuzo yomshuwalense wemoto.