Kubonakala ngathi akukho pheliso kwimibandela ezayo emva kokuba wenze ingozi kwaye kufuneka ufake ibango kwi-inshurensi yakho . Kungenxa yokuba kungakhathaliseki ukuba ingaba yinto eqhelekileyo ingozi yakho ingabonakala njani, kunokuhlala kubakho umbane okanye iimbini ezenza ukuba ibe yinto ekhethekileyo okanye inxalenye yenkqubo yebango engazange ivele kuwe-de kubekho iimeko ezithile zeemeko ezenzekayo.
Nantsi into onokungazange uyiqwalasele. Khawucinge nje ngolu hlobo lulandelayo: uye wangena engozini emncinci obangela umonakalo obuncinane kwimonakalo kwimoto yakho. Ngokuxhomekeke ekubeni ngubani ophosakeleyo , ngaba umgcini wakho womshuwalense okanye omnye umniki-mqhubi uya kuba kwisiko lokuhlawula ukulungiswa. Uqikelelo lwenziwe kwaye umgcini-mali unika i-shop ehloniphekileyo ukuba enze umsebenzi. Isicwangciso sevenkile ukulungisa imoto yakho kunye nenkampani yomshuwalense ukuba uyihlawule ngokuthe ngqo kumsebenzi. Into enjalo, ulungele ukwenza ukulungiswa okuncinci kwaye unqwenela ukwenza lo msebenzi ngokwakho, ophakamisa umbuzo wosuku: Ngaba ndingayilungisa imoto yam emva kokufaka ibango?
Ngaba kukho ikhonkco kwisithuthi sakho?
Ukuba kukho ikhonkco kwizithuthi zakho, ngoko mhlawumbi akunakukwazi ukulungisa loo moto. Hlola isivumelwano sakho semali mboleko. Ufanele ufumane ulwimi kulo mxholo kwaye uya kukuxelela ukuba kufuneka ube nesithuthi sakho esilungiswa ngevenkile eqinisekisiwe eqinisekisa umsebenzi wayo.
Isivumelwano sinokufuna ukuba ukulungiswa kwenziwe kwivenkile evunywe ngumboleki. Ukuba awufumani ulwimi oluthile kwisivumelwano sakho, biza iziko lakho leenkonzo zezemali. Ndithembe; awuyena mntu wokuqala ukuba nale ngcamango. Eyona nto: ngaphandle kokuba umatshini ovunyiweyo, mhlawumbi kufuneka ulungiselele imoto yakho.
Kuthekani ukuba unayo imoto yakho ngqo?
Imeko eyahlukileyo xa kungekho nxiba kwisithuthi sakho. Kwiimeko ezininzi, kufuneka ukwazi ukwenza nayiphi na into oyifunayo ngokuhlawula, kwaye oku kuquka ukuba isithuthi sakho silungiswe kwivenkile, uzilungiselele wena, okanye ungayilungiseli nhlobo. Oku kungenakunyani lonke ixesha, nangona kunjalo, kwaye kufuneka ufunde ulwimi lwenkqubo yakho ngokucophelela.
Ngaba ukulungisa isithuthi sam kunokuchaphazela ukufikelela kwam?
Kungenzeka. Nantsi ingxaki. Nangona unayo imoto yakho ngokucacileyo kwaye akudingeki ukuba usebenzise ivenkile evunyiweyo (enye eqinisekisa umsebenzi wayo) ukulungisa isithuthi sakho ngemali yokuhlawula imali, umgcini wakho womshuwalense uya kugqitywa ngokulungiswa kwakho. Ngaphandle kwesiqinisekiso, baya kukwazi njani ukuba umsebenzi wokulungisa uyinto enhle? Akunjalo ngokwenene, kwaye leyo yingxaki yenkampani ebhiziniselwano layo ukuqinisekisa ubungqina bezithuthi zakho.
Ngenxa yoko, unokufumana i-insurer yakho engafuni ukuqhubeka nokunikezela ngokukhawuleza kokukhawuleza . Ngamanye amaxesha unokufumana xa unika iifoto zokulungiswa. Okona kuncinci, ukuba umonakalo owongezelelweyo awunakufumaniswa ngaphambili, umgcini-mali wakho akayi kuhlawula ukulungiswa kwayo. Kwakhona, ukuba ungena kwenye ingozi kwixesha elizayo, umgcini wakho womshuwalense unokungavumi ukuhlawula nayiphi na umonakalo owenziwe kwingxenye yakho yemoto owaye walungisa yona ngaphambili.
Ezinye izinto ezimbalwa zokuqwalasela.
Ukuba ugqiba ukulungisa imoto yakho ngokwakho, yinto efanelekileyo kakhulu yokuba ne-adjuster ijonge umonakalo kwaye unikele ubungqiqo phambi kokuba wenze nantoni na yomsebenzi. Enyanisweni, umboneleli wakho we-inshorensi uya kubakhokelela. Oku kubalulekile njengoko kunika wena kunye nomshuwalense wakho ngombono oqinileyo ukuba kuya kuba yintoni ukulungelelaniswa kwemimonakalo eya kubakho, ngaloo ndlela ukuphepha ukungaqondi kakuhle okulandelayo.
Kwaye enye inqaku elibalulekileyo, ukuba uphahlaza umsebenzi, iindleko zonyango olongezelelweyo okanye olulungiselelayo luya kuphuma ngqo kwisikhwama sakho , kungekhona i-insurer yakho okanye nayiphi na ivenkile yokulungisa. Ngoko, ukuba awuqinisekanga ngokukwazi kwakho ukwenza umsebenzi ofanelekileyo, yiba ngumsebenzi kwaye ube nomsebenzi owenziwe ngumatshini ovunyelweyo okanye ivenkile yeziko lokuqala okokuqala. Ngamanye amaxesha, ukugcina amacandelo ambalwa kwixesha elifutshane akufanelekanga ukulahlekelwa kunye neendleko ezinokwenzeka kwixesha elide.