Njengokuba kunemibuzo enxulumene ne-inshurensi eninzi, nokuba ingafuneka yini ukulungisa imoto yakho emva kwengozi yebango le-inshorensi incike kwizinto ezimbalwa. Ngamanye amaxesha awufuni ukuhamba kwinkqubo yokulungisa, mhlawumbi ngenxa yokuba awufuni ukuba ngaphandle kwemoto, okanye ngenxa yokuba umonakalo awukho konke okubi kwaye ukhetha ukukhetha imali. Kukulungele ukwazi malunga nokuba ukulungiswa kwesithuthi sakho kuyadingeka. Iiinkampani zomshuwalense zonke zisebenzisa izikhokelo ezifanayo ezisisiseko xa kuziwa ekulungiseni, nangona kunjalo, zinokuthi zitshintshwe ngomshuwalense ngamnye. Sebenzisa le mizekelo njengesikhokelo, kodwa funda okokugqibela ukususela kwi-inshurensi ye-inshurensi yakho.
Ngaba kukho iNgxowa-mali kwiSithuthi?
Ukuba nemboleko kwisithuthi sakho kuthetha ukuba ewe, kufuneka ulungise imoto-kwaye ngokuqhelekileyo ngumatshini oye wamukelwa yinkampani yakho yomshuwalense wemoto. Umboleki wakho uya kufuna i-collateral, imoto, ukuba isebenze ngokupheleleyo kunye nawe ukulungisa nayiphi na umonakalo.
Okwangoku awunayo imoto ekhululekile kwaye icacile, ngokokuba ungumnikazi othile, kukuxanduva lwakho ukufumana isithuthi esilungiswa ngexesha elifanelekileyo. Uninzi lwabathengi lufuna ukuba ludweliswe kwipolisi yakho njengendlela yokulahlekelwa yintlawulo yokuqinisekisa ukuba unesiqinisekiso esipheleleyo esibhalwe phantsi kwixesha elifanelekileyo.
Ukufumana isithuthi sakho ngqo kuya kunika ukuguquguquka xa kufikelelwe ekulungiseni.
Inkampani yomshuwalense iza kukunika ithuba lokulungisa okanye ukulungisa, ukugqiba okanye ukuthenga. Ezinye iinkqubo zingafaka isicelo, ngoko funda apha ngezantsi ukuba unesithuthi sakho ngqo.
Emva Kwengozi, Ngaba Ufuna Ukuqhubeka Nokuziphazamisa Ngokwenyama?
Inkampani yomshuwalense izakufuna ukuba isithuthi ilungiswe ukuba ufuna ukuqhubeka nokukhawuleza ukukhawuleza, oko kuthetha intsingiselo ebanzi okanye ukudibanisa . Kucacile kuphela: inkampani yomshuwalense ayifuni ukuqhubeka nokuqinisekisa ukuba isithuthi sinokulimala xa isithuthi sele sonakaliswe. Ingozi yesibini iya kubonakala ingqamene nomonakalo okhoyo kwaye inkampani yomshuwalense sele ihlawulwe kuwe kanye ngomonakalo owake wangaphambili.
Yinkqubo esemgangathweni yenkampani yomshuwalense ukuba ifune ukuba ulahle umonakalo owenziwe ngomonakalo emzimbeni ongeyilungiswanga. Ubungqina bokulungiswa ngokuqhelekileyo kuthathwa ngokubangela ukuba ibango lihlolisise kokubili wena kunye nevenkile yesitolo ekwenzeni ukulungiswa. Iifayili kunye neerisiti nazo zingeniswa ubungqina bokulungiswa ukuba ufuna ukuqhubeka nokukhutshwa komonakalo.
Xa kuziwa ekuthengeni imoto esele ibuyele, kukho nayiphi na inkxalabo ekhuselekileyo yokukhusela iza kulungiswa ngamanye amaxesha ukufumana nayiphi na ingxelo.
Umonakalo wesakhelo okanye i-airbags enefuthe ingaba yimbangela yenkampani yomshuwalense ukuba inqabe ukukhutshwa. Ngokuqinisekileyo, jonga i- adjuster claim yakho xa kuziwa ekuqinisekiseni imoto esele ifikelele .
Mhlawumbi Awufuni Ukubika iBango
Kuqhelekileyo ukuba umqhubi ukhethe ukungabhengezeli ibango kwiinkampani zomshuwalense ukwenzela ukuphepha ukunyuka kwama-premium. Ngokuqhelekileyo le nto yayiza kuba yingozi yemoto enye ebonisa ukuba unecala. Umonakalo omncinci wenziwa emotweni kwaye ufuna ukuwuphatha wedwa. Inzuzo kule khetho yinqanaba le-inshurensi yemoto ayiyi kunyuka ngenxa yokufaka isicelo se-accident-yecala. Unako ukukulungisa ukulungiswa kwaye unokusingatha ukulungiswa ngexesha lakho. Kutheni ubhengeze ibango ukuba ufuna ukuhlawula yona? Ukuba kukho enye imoto inxaxheba kwaye kufuneka ufake ibango, unokufaka ifowuni ibango lakho.
Kuzama ukusebenzisa imali ye-inshurensi imali kwezinye izinto kunokuba ulungise imoto yakho eyonakalisiweyo. Kuxhomekeke ngokukodwa xa umonakalo ungcolile kwaye ufuna ngokwenene imali. Khumbula ukuba uhlawula umonakalo owenziwe ngumzimba ngenxa yesizathu. Ingcinga efanelekileyo yokufumana umonakalo olungiswe ukugcina intengo yemoto yakho kumgca. Utyalombile imali eninzi, ixesha, kwaye uyanyamekela isithuthi sakho. Ukuba ufuna ngokwenene imali, unokuhlala ulungiswa kwimihla emva. Mvumele nje ummeli wakho we- inshorensi azi ukuba umsebenzi uphelele ukuba ufuna ukufaka umonakalo owenziwe umonakalo emzimbeni.