Iinshorensi ze-Auto Insurance
Iimoto zomshuwalense we-auto zisebenza njani kwindawo yokuqala? Yonke i-inshorensi ifom elula kakhulu isithembiso sokuhlawula. Uhlawula inkampani yenkampani yomshuwalense yesithembiso sokukuhlawulela, okanye ukukwenza njengokuba wawukho - ngaphambi komcimbi wengozi. I-deductible yinani elichithwe kwilahleko ekhuseliweyo phambi kokuba inkampani yomshuwalense iya kuhlawula. Le yindlela yenkampani yokubuyisela ezinye ilahleko zayo kunye nokwabelana ngengozi kunye nomnini-nkqubo.
Iinqununu ezikhethiweyo ziyahlukahluka ngurhulumente kunye nenkampani yomshuwalense kwaye kufuneka ilandele imithetho yelizwe. Izinketho ziyahlukahluka kwi-$ 250 echithwe kwi-$ 1,000 okanye ngaphezulu. Ezinye iinkampani zinokunika umgaqo-nkqubo wokuchithwa kwe-zero-deductible, kodwa kuya kuba neendleko ezingaphezu kwe-insuction yomshuwalense we-auto deductible. Inketho echithwayo ekhoyo iyafumaneka kwiinkampani ezithile. Oku kukhehlisa ukunciphisa i-deductible yakho yonke unyaka uhlala ungengozi.
Ubhedu bakho obuhle kunokuba ukhethe into ephakathi phakathi kwezi zimbini ngokuxhomekeka kwiimeko zakho.
Xa kuthwala i-Deductible ephakamileyo kuyisimo esihle
Ukuba unomntu omdala owenzayo kunye nemodeli yesithuthi, ingaba yinto efanelekileyo yokuthatha imali ephezulu yokubamba imali kwi-auto yomshuwalense wakho okanye mhlawumbi ukuphelisa ngokubanzi ukugqithisa kunye nokudibanisa .
Kutheni oku? Isithuthi asinakufaneleka ngokukhawuleza ukuba ulungele i-premium yomshuwalense oza kufuneka uyihlawule. Iimoto ezincinci ziza kuba yinto ehlukile kulo mgaqo; Nangona kunjalo, uhlala unenketho yokuthenga umgaqo -nkqubo womshuwalense wemoto owenzelwe ngokukhethekileyo iimoto zokuvuna okanye iilori.
Xa uthabatha i-Deductible ephakamileyo unokuzibiza iindleko
Nangona unesithuthi esipheleleyo kwaye unqwenele ukwandisa imali yakho ekukhutsheleni imali yakho kwi-premium yomshuwalense we-auto, kukho ezinye izinto ozicingayo kufuneka ugcine engqondweni. Ngokomzekelo, ukuba uyabandakanyeka engozini yemoto , uza kuza nexabiso elincinci elithengiswayo elifana ne-$ 500 okanye i-$ 1,000 kodwa ingxaki engabalulekanga kwimali yakho? Ukuba impendulo yakho nguwewe, imali oyilondolozayo kwi-premium yakho ye-inshorensi ayinakukufanelekela ubunzima bezemali oza kuyenza ngokwakho xa kwenzeka ingozi yemoto.
Isisombululo esihle
Ukuba awuqinisekanga ukuba ngaba ungayithwala i-inshurensi yemoto engaphezulu, ungacingi ukuba ufanele ufike kwi-deductible ukuba unokuchaphazela njani iimali zakho ukuba unobungozi bemoto. Ngaba ukugcinwa kwe-inshurensi yakho ixabisa ubunzima bezemali onokujamelana nayo ukuba ufikelele kwisixa esininzi esinqunyiwe?
Cinga ngexabiso leemoto yakho. Ngaba ixabiso le-inshurensi uya kufuneka uyihlawule ngokukhawuleza? Ukuba akunjalo, usenokungcono nakwi-" gadget responsibility " kuphela umgaqo-nkqubo womshuwalense womshuwalense.
Ukuba awuqinisekanga, uthetha nge-auto yomshuwalense wezithuthi onokucebisa zonke iinketho zakho kwaye mhlawumbi ukuba kukho ezinye iindlela ongakwazi ukunciphisa i-premium yakho nge- auto insurance izaphulelo okanye ezinye iinkqubo.