Ngezantsi uzakufumana inkcazo emfutshane yomshuwalense womshuwalana wesikhashana, kutheni unako okanye ungakwazi ukuwufumana eCalifornia, kunye neendlela ezimbalwa eziphakanyisiweyo ukuba awukwazi ukuyifumana.
Iyintoni yomshuwalense wexeshana yemoto kwaye kutheni ndiyayifuna?
Inkampani yomshuwalense wexesha elifutshane okanye elifutshane unika umthengi ngeendlela ezifanayo zokufumana i-inshorensi yexesha eliqhelekileyo, nje ixesha elide elifutshane. Xa uthengi umgaqo-nkqubo oqhelekileyo, ixesha lexesha liqheleke kwiinyanga ezintandathu okanye omnye unyaka. Ubude bomgaqo-nkqubo wexeshana lunokuba nayiphi na ixesha elingaphantsi kwexesha, nangenye imini. Kukho izizathu ezininzi zokuba ungadinga umgaqo-nkqubo wexeshana. Nazi ezinye ezimbini eziqhelekileyo:
- Uthenge inqwelo entsha kwaye uzimisele ukuyenza ibe yithuba elifutshane okanye uncedo lokubhengezwa kwaze kwaba yilapho usenza isigqibo se-inshurensi engaphezulu.
- Uqeshisa imoto evela kumthengisi oqashisayo okanye uboleka imoto yomhlobo iintsuku okanye iiveki ezimbalwa.
Ngaba kusemthethweni ukuthenga inshuwalense yemoto yesikhashana eCalifornia?
Ewe. Akukho nto kwi-inshurensi yaseCalifornia okanye ikhowudi yendlela yokuthintela ukuthengiswa okanye ukuthengwa komgaqo-mfanelo wezemoto kwixesha elingaphantsi kweenyanga ezintandathu okanye omnye unyaka. Ingxaki, nangona kunjalo, inokufumana umphathi oya kubhala umgaqo-nkqubo ongaphantsi kweenyanga ezintandathu.
Enyanisweni, ininzi, ukuba ayingekho yonke, izithuthi ezinkulu aziyi kuba. Ukuba ufuna ipolisi yesikhashana kwaye ngoku uhamba ne-inshurensi enenkampani enkulu, kunokufanelekile ukuba wenze umnxeba kwi-arhente yakho ukuba uqiniseke. Unokuzama kwakhona umthuthi omncinci we- intanethi .
Ezinye iindlela zokwenza i-inshurensi yesikhashana.
Ukuba awukwazi ukufumana umphathiswa ukuba abhale umgaqo-nkqubo wexeshana, unokukwazi ukusombulula ingxaki yakho yomshuwalense ngezinye iindlela. Nazi iziphakamiso ezimbalwa zeemeko ezichazwe ngasentla:
- Ukuthenga isithuthi esitsha . Ngaphantsi komthetho waseCalifornia, kufuneka ufunyenwe ubuncinci bemigangatho ngaphambi kokuba uqhube kwiqashiso. Ukuba awukwazi ukufumana isisombululo esifanelekileyo esifutshane, unokufuna ukuthenga umgaqo-nkqubo weenyanga ezintandathu uze uyicime emva kokuba uthumele ubunikazi okanye ufumene umphathisi-nqanaba xa ufuna. Kwakhona, ukuba ngoku unomshuwalense kwesinye isithuthi, jonga ipolisi yakho okanye ushayele i-arhente yakho . Kungenzeka ukuba umphathiswa wakho uza kuhamba ngokuzenzekelayo ngesithuthi esitsha ixesha elifutshane ukuqala ngexesha oshiya ngalo.
- Ukuqasha. Kwakhona, ukuba awukwazi ukufumana umgaqo-nkqubo wexesha elifutshane, kwaye okwangoku unomshuwalense kwesinye isithuthi, khangela ukuba umgaqo-nkqubo. Kusenokwenzeka ukuba iya kugubungela imoto yakho yokuqeshisa. Kwakhona, jonga isivumelwano sakho sekhadi lesikweletu. Amakhadi amaninzi akhupha ngokukhawuleza ukuba uhlawula ukurenta ngekhadi elithile. Ukuba akukho nakwezo ziganeko ezikugubungelayo, qinisekisa ukuba ukhethe ukuxhaswa kweemfanelo ezinikezelwa yinkampani yokuqeshisa okanye ukuthenga umgaqo-nkqubo ongeyena umnikazi we-inshurensi. Khumbula, umthetho waseCalifornia ufuna ukuba ufunyenwe ubuncinci obuphantsi komthetho naliphi na ixesha uqhuba ngayo kwilizwe nokuba unayo isithuthi okanye cha. Ukongezelela, iCalifornia yimihlaba yodwa engafuneki inkampani yokuqeshisa ukuba inikele ngokuzenzekelayo loo ngxelo. Oko kuthetha ukuba uxanduva lenu. Naluphi ukhetho lwakho, qiniseka ukuba uphelelwe ngokupheleleyo phambi kokuba ufike emva kwesondo.
- Ukuboleka. Ukuba uceba ukuboleka imoto yomngane waseCalifornia ebhalisiweyo, yenza umhlobo wakho ahlole umgaqo wakhe. Kwiimeko ezininzi, umgaqo-nkqubo wakhe ubandakanya umntu oboleka imoto ixesha elifutshane. Ukuba akunjalo, ngoko kufuneka ukhangele kwi -coverage yomnini . Ngelishwa, iinqwelo eziphambili ziza kubhala kuphela iinkqubo ezingezizo zomnini ubuncinane ubuncinane beenyanga ezintandathu. Ukuba uboleka imoto iiveki ezimbalwa, nangona kunjalo, oku kusenokuba yindlela ephezulu kakhulu yokuhamba.