Kodwa kuthekani ukuba uhlawula iindleko zonke zeemoto zakho ngemboleko? Ngaba akuyi kukushiya imeko ekhohlakeleyo ukuba imoto yakho yahlala iphelele?
I-inshurensi ye-Gap yindlela enkulu yokukhusela ekhusela ukhuseleko xa unetyala elingaphezulu kwimoto yakho yokuqeshisa kunokuba isithuthi sakho sifanelekile. Ndiyathemba, kuza kuza iphuzu xa ungasayi kufuna i- inshurensi ye-inshurensi . Ukwazi ukuba nini na loo nto ingakusindisa imali eninzi. Ukukhansela i-inshurensi ye-gap kusasa kwaye unokulahlekelwa yinkcazo ebalulekileyo. Ukuyikhansela ngokukhawuleza kwaye uya kugqiba ukuhlawula i-inshorensi engabalulekanga ngokwenene. Khangela le mibuzo efanelekileyo kukukunceda ukuba unqume nini xa kufuneka ukhansele i-inshurensi ye-gap.
Uninzi Kangakanani I-VS. Ingakanani Imoto Yakho Imfuneko
Uninzi kangakanani kwisithuthi sakho?
Ukwazi oko uhlawulwayo kwisithuthi sakho sisiseko se-inshurensi ye-gap. Ukuba into oyibole ngaphezu kwexabiso lentengiso yesithuthi sakho, i-inshurensi ye-gap ibonisa ukuhluka.
Ukuphonononga ulwazi lwakho lokuhlawula kunye nokufumana ukuba uninzi kangakanani kwisithuthi sakho.
Ngaba uncedise imali kunye neenqwelo zakho?
Ukuba uthe wafaka ityala lesimboli sangaphambili okanye umbolekisi ngemali mboleko yakho yangoku, i-inshurensi ye-gap ayikufihla loo matyala. Okufanayo kuya kwiimpawu eziqinisekisiwe ezifakwa kwi-mboleko.
Intshuwalense ye-Gap ihlanganisa kuphela iindleko zesithuthi. Gcina le miba engqondweni xa uqikelela ukuba ungakanani imali efanelekileyo.
Ingakanani imoto yakho efanelekileyo?
Ngoku kuluxesha lokuthelekisa into enetyala ngayo. Inkonzo nganye yomshuwalense inendlela yayo yokucubungula oko ixabiso lesithuthi. Awusebenzisi iKelly Blue Book ukufumanisa ixabiso, kodwa liyimithombo enokuzikhethela kunye neyayimfuneko ongayisebenzisa ukubala ukulinganisela kwe-ballpark yesithuthi sakho.
Ingenisa ulwazi lwenqwelo yakho ngokuchanekileyo ngokunokwenzeka. Emva koko ukhethe "ixabiso lenkampani yangasese" ukunika ukubala okuchanekileyo. Ungacingi inani elibhaliweyo kwiKelly Blue Book yile nombolo yekhonkrithi oyifumanayo ngokwenene ukuba isithuthi sakho siphelele, oku kubangela ukuba ilahleko iphelele . Njengoko kuchazwe ngasentla, ixabiso leKelly Blue Book lingumfanekiso we-ballpark.
Ukususwa kwe-Intshurensi yeGap
Xa uqhathanisa imoto yakho nento omele uyenze ngayo, inshuwalense ye-gap iyona nto ibaluleke kakhulu xa unetyala elininzi kunokuba isithuthi sifanele. Kufuneka ucinge ukuba ukhansele i-inshurensi yakho ye-inshurensi xa usendaweni apho u-Owe enye ukuya kwiiyure ezingamawaka ezimbini ngaphantsi kwento ethi uKelly Blue ibhala njengexabiso lezithuthi.
Ngokuqhelekileyo, xa udibana nalo mqathango, umahluko phakathi kwento omele uyenze kunye neyiphi imoto ifanelekile iyaqhubeka ikhula ngokukhawuleza. Akunakwenzeka ukuba ufikeleleke kwilahleko epheleleyo, kodwa umehluko kufuneka ulawulwe (kwaye ungabizi ngaphaya kweendleko zokugcina i-inshurensi ye-inshupha!)
Abaninzi bee-inshurensi zithintela i-inshurensi ye-inshurensi xa isithuthi sineemibini ukuya emithathu ubudala. Gcina iliso kwiimeko zakho ezithile njengemali efunekayo kunye neenqwelo ezifanelekileyo ukuqinisekisa ukuba oku kuyona ndlela enhle.
Iindleko ze-Gap Insurance
Intshuwalense ye-Gap yinkcazo enokuthengwa kakhulu. Amaninzi amaninzi nje ngeedola ezimbalwa ngenyanga. Ubungakanani bokusebenzisa i-coverage akuyiyo yonke into ebalulekileyo eyenza ukuba ibe yintengo. Kungcono ukugcina ingqalelo xa ucinga ukuba unako ukuhlawulwa ngaphezu kwesithuthi.
Okanye, cela ummeli wakho we- inshorensi ukukunceda ukuba uqinisekise ukuba usasafuna i-coverage. Qhagamshelana nenkampani apho uthenge khona i-gap coverage ukuze ucele ukususwa xa ukholelwa ukuba akusekho mfuneko.