A
Ngubani ohlawula ibango
Kukho inani lezinto eziphambili ezibandakanyekayo kumbuzo othi "ngubani ofumana imali". Eyokuqala inxulumene nobani ohlawula umonakalo. Oku kuxhomekeke phantse ukuba ngubani obangela ingozi ( eMichigan khangela apha ). Ukuba umntu okhuselekile (nguwe) unecala, ngoko inkampani yakho yomshuwalense iya kuhamba ngeyilwayo yokulungisa.
Kodwa kuthekani ukuba kukho enye iphutha lomqhubi? Kwimeko enjalo, ngumnye umshwalense womqhubi okhoyo kumgca. Le yinto eyaziwa ngokuba yi-"party-party". Yiyo, wena, iqela elonakalisiweyo, lifuna ukuhlawula umonakalo wakho kumqhubi we-off-fault kunye nenkampani yakhe yomshuwalense, amaqela amabini ongenawo isivumelwano esivumelwaneni. Ngenxa yoko igama elithi "umntu wesithathu."
Ekubeni kungekho isivumelwano esivumelanisiweyo, inkampani yomshuwalense we-inshorensi ayikho mbopheleleko wokuhlawula umntu ngaphandle kwakho, ngoko ke isheke lokuhlawula kufuneka senziwe ngegama lakho negama lakho kuphela.
Ngendlela, ngokuqhelekileyo le meko nangona kukho ukhonkco kwimoto yakho. Ngoku, kwimeko apho inkampani yakho yomshuwalense ihlawula umonakalo.
Xa kukho iNgxowa yakho kwiCar
Yilapho izinto zingenakunzima. Okokuqala, khumbula ukuba umgcini wakho womshuwalense uyazi ukuba kukho imali mboleko kwisithuthi sakho kwaye igcina ulwazi ngalo mboleko.
Ngoko ke, xa umnini-mgaqo-nkqubo wenza ibango lemonakalo, inkampani ye-inshorensi iya kwenza ukuba ibango liqaphele i-insured kunye ne-holder. Ukuqiqa kukuhle kakhulu. Ekubeni umnikazi wekhonkco uyaqhubeka enomdla kwisithuthi esiqinisekisiwe, ufuna ukuqiniseka ukuba intlawulo yesibambiso isetyenziselwa ukulungiswa kwaye kungekhona kwi-TV entsha ye-HD okanye ikhefu kwi-Bahamas. Ngoko ke, xa u-inshurensi efumana inkokhelo yesicelo kwi-inshurensi yenkampani yomshuwalense, uya kufuna ukuba umnini-mvume angayinina isheke ukwenzela ukuyifumana kwaye uhlawule isitolo sokulungisa. Ukuba isithuthi sakho silahlekelwe ngokupheleleyo , inkampani yomshuwalense iya kubhala iteksi ye-ACV yemoto (ixabiso langempela lemali) unciphise ixabiso lakho, kwaye uyithumele kuwe. Uya kuthi usayine isheke kwaye uyithumele kumboleki ukuba uhlawule umboleko.
Xa Unayo Imoto Yakho Ngaphandle
Ewe, ukuba unayo imoto yakho ngqo kwaye akukho mboleko ochaphazelekayo, inkampani yomshuwalense iya kubhala isheke ngokuthe ngqo kuwe, kwaye ke iya kwiBahamas ukuba ufuna, ndiyicinga. Kodwa kukho into ebaluleke kakhulu ukugcina engqondweni. Ukuba unqumle ukungawusebenzisi umvuzo kwi-claim yakho yokubambisa ukulungisa isithuthi sakho, mhlawumbi ungena kwiinkathazo kunye nenkampani yakho yomshuwalense ukuba ungena kwenye ingozi.
Kungenxa yokuba abayi kuhlawula nayiphi na umonakalo okhona ngaphambili. Ngamanye amazwi, umgcini-mboleko uza kwenza isigqibo sokuba ngaba ukulimala kwisithuthi sakho kubangelwe yingozi okanye yakhona ngaphambili. Kwaye unokubheka ukuba xa kukho nayiphi na into engaqinisekiyo, baya kuba nomonakalo kwengozi yangaphambili kwaye bayenqaba ukuhlawula. Ngubani o no kubeka ityala? Baye bahlawula kanye kanye kwaye xa wanquma ukulungisa imoto yakho ngemali, yile ngxaki. Ngoko ke, ukuba ucinga ngokungalungisi isithuthi sakho xa ufumana ibhenkethi yakho, unokufuna ukucinga kwakhona.