Ubungakanani Ubungqina Bomshuwalense Weenqwelo-mali?

Yintoni ejongene nomntu siqu?

Ukufumana isiseko senkonzo yomshuwalense wemoto kulula, kodwa okokuqala, kufuneka ukwazi ukuba yeyiphi i-coverage engundoqo. Inokwenzeka ukuba, ufuna ipolisi yomshuwalense wemoto engancinci kwaye ufumane intlungu yokujongana nayo ngokukhawuleza. Thatha imali yam, ndinike ubungqina bomshuwalense kwaye ndishiye yedwa ingqondo xa kuziwa kwi-inshurensi yemoto.

Akuyena wonke umntu owaziyo yonke imigaqo-mali ye-inshurensi yemoto.

Njengoko kunjalo, mhlawumbi i-chunk efanelekileyo yabantu ayinakucinga ukuba yeyiphi inqaku elikhoyo kwizithuthi zabo ngoku.

Ukusetyenziswa kwe-inshorensi yemoto ngokusisiseko kudlalwa ngokubhekiselele kuyo nayiphi na imeko karhulumente onokuyithenga. Cwangcisa ukuthenga umgaqo-nkqubo kunye noxanduva lwaBantu, ngokuxhomekeke kwimeko apho uhlala khona, i-PIP kunye ne-Uninsured Motorist.

Intsholongwane yoMntu Inyuniti

Isiseko sayo yonke imigaqo-nkqubo ye-inshorensi yemoto yimbopheleleko yomntu. Oku kukukhusela xa ulimaza umntu engozini yemoto okanye umonakalo imoto okanye impahla. Ubuncinci obufunekayo bufunwa nguRhulumente ngamnye. Kodwa amaninzi amanxusa e-inshorensi athi imilinganiselo yeyona mininzi yemimiselo ayinayo ngokwaneleyo. Imida ekhethiweyo yemfanelo i-100/300/100.

Ingaba isebenza kanjani?

Ubume obukhethiweyo obukhethiweyo buvunyelwe ukuhlawula. Into ezayo njengothusaninzi kubantu abaninzi ukukhutshwa kwemfanelo akusebenzi kuwe.

Kukho ukukhusela abanye abashayeli endleleni abalimala okanye abonakalise izithuthi zabo ezibangelwa yimoto yakho.

Imida emithathu yokukhawuleza ibhalwe kwi-inshorensi yemfanelo yomshuwalense wemoto. Zonke ezi zintathu zidlalwa ngokubambisana kunye namanani amathathu ahlukaniswe ngamanqwanqwa angenayo enye ingcaciso efanelekileyo echazwa ngxelo.

Umzekelo Imilinganiselo yeemfanelo 100,000 / 300,000 / 100,000 okanye 100/300/100

• Umntu woLuntu lokuLawulwa kweMfanelo Umda ngamnye ngomntu: Umda wokuqala odweliswe kumzekelo ngu-$ 100,000. Ixabiso lemali liyiyona nto iphambili umgaqo wakho uza kuhlawula umntu oyedwa owenzakele ngengozi oye wabangela.
• UkuLawulwa kweMfanelo yokuLawulwa kweBhodi ngeNgcembelelo: Umda wesibini odweliswe kumzekelo ngu-$ 300,000. Le yona mali ephezulu enokuhlawulwa ngengozi. Ngoko abantu abaninzi babeya kulimala ukwenzela ukuba bangaphezu kwe-100,000 ukuhlawula. Ukulimala okuninzi okuninzi kunokwenza umlinganiselo ophantsi ungaphantsi. Le nto iyona nto ebalulekileyo ukuba kutheni imimiselo emininzi yemoto yomshuwalense iphantsi kakhulu.
• Ukulimala kwePropati: Umlinganiselo wesithathu we-100,000 wee-dollar umonakalo wepropati. Iquka ukuhanjiswa kwanoma yintoni into engaphiliyo yomntu ngaphandle kwakho. Ukutshatyalaliswa kunye nokulimaza imoto, ukulimaza i-guardrail, okanye ukuqhubela kwindlu yonke imizekelo yomonakalo wepropati. Njengoko unokucinga, iindleko zomonakalo wepropati zingongeza ngokukhawuleza. Kubalulekile ukuba ne-coverage eyaneleyo ukubonelela ngokukhuselekileyo.

Uninsured / Umqhubi weNqwelo

Umqhubi ongenqandeki ngumqathango onyanzelekileyo kwamanye amazwe. Umlinganiselo osisiseko uya kufunwa kuxhomekeke kwimeko ohlala kuyo.

Abaninzi bee-inshorensi baya kuncoma imilinganiselo yokuzibophelela komntu kunye neemingcele ezingabandakanyiswa ngumqhubi. Umqhubi we-uninsured ngumgca wokubambisa ongayifumana kuyo ukuba umqhubi ongenakukhuseliswayo ubonakalisa isithuthi sakho okanye obangela umntu ekulimazeni kwakho imoto. Umqhubi we-underinsured usebenza xa unomonakalo ogqithise umda womnye umqhubi kwaye uphatha imida ephezulu.

Umzekelo weeMoto eziNcediweyo eziyi-100,000 / 300,000 okanye i-100/300
Isebenza ngokufanayo nokuxanduva lomntu, i-$ 100,000 iyona mkhulu evunyelwe umntu oyedwa kunye ne-300,000 i-dollar yemali evunyelwe yengozi. Umqhubi ongenqandeki angakwazi ukufikelela ngokukhawuleza. Inkqubo yokuthabatha umntu enkundleni aze azibophezele yena ngokwabo ngenxa yokulimala ngenxa yokuba ayinayo inshuwalense yemoto ingaba yinde. Yaye khumbula, abaninzi abantu abaqhuba nge-inshurensi yemoto kaninzi abanalo iindlela zokuhlawula amawaka eedola ngemonakalo.

I-PIP kunye neMpilo

I-PIP ifutshane ukuKhuselwa koKhuseleko lwaBantu. Kufana nokugqithiswa kwezokwelapha kodwa kunika ukhuseleko oluncinane. Into ebalulekileyo eyenza i-PIP eyahlukileyo kwiinkcazo zonyango kukuba ihlawula iindleko ezihambelana nokulimala ezifana nokulahleka kwemali kunye neendleko zokuvuselela.

Umgangatho osisigxina wombuso wokwenziwa kwezonyango ngokuqhelekileyo uwela phakathi kwee-3,000 kunye ne-$ 50,000. Ukunikwa ngonyango kuyimfuneko ebalulekileyo yomshuwalense womshuwalense kwaye nangona akusiyo imfuneko emncinci, kufuneka ucinge ngokukhetha le nkcazo.

Umthombo ongeyena

• Umlinganiselo opheleleyo: Umonakalo we-windshield, umlilo, ukweba, ukutshabalalisa, ukukhukula, kunye neentonda zizona zibango eziqhelekileyo. Nawuphi na umonakalo owenziwe ngomzimba ongafaki ukudibanisa uza kubutyalwa phantsi komncinci.
• Ukubambisana kokubambisana : Hamba into engaphiliyo, eyaziwa njengento engahambisani nokuthanda kwayo? Inkcazo yokuqhaqhawulwa yinkcazo ebonelela ngempembelelo kulabo bendendendlwana.
• Uxhasano lwasemgwaqeni : Udinga i-tow okanye uncedo ngokukhutshwa? Ukuncediswa kwendlela ehamba phambili yinkcazo ehamba ngokufanelekileyo yabaninzi abaqhubi be-insured.
• Ukuqeshiswa kweenqwelo-moto: Inika imali echaziweyo yedola kwiindleko zokuqasha imoto xa isithuthi sakho silungiswa ngenxa yokulahleka.