I-American Collectors Intshurensi ngumboneleli kazwelonke we-inshurensi kwiinqwelo zokuqokelela. Iimveliso zomshuwalense zinikezelwa nge-network of agents abazimeleyo , ngokusebenzisa intsebenziswano ye-inshorensi kunye nabathengi ngqo. Inkampani inikezela ngokubhengezwa kwezinto ezinokuthengwa ezifana newayini yevini, imemorabilia yezemidlalo, izitampu, iimali zemali kunye neencwadi ze-comic. Ikomkhulu leenkampani lihlala eCherry Hill, eNew Jersey.
Inkampani yomzali we-American Collectors Insurance iyinxalenye ye- Assurant, Inc. kunye nePropati eNgqongekileyo. I-Assurant yiNkampani ye-Fortune 500 ethengiswa kwi-S & P 500 ngaphantsi kophawu, AIZ . Yayisekwa ngo-1892 kwaye ikwase-Ney York City. Ngo-2014, i-Assurant yayingeniso yonyaka ye-US $ 10.38 yezigidigidi.
Amandla oMali kunye neNkxaso yeeNkonzo zabathengi
Inkampani yomzali we-American Collectors Insurance, i-Assurant, Inc. inexabiso elihle kakhulu lokubaluleka kwemali kule mibutho ephezulu yomshuwalense :
- AM Best : "A-" Efanelekileyo
- I-Standard & Poor's : "A-" Yomelele
- Moody's : "A2" Yomeleleyo
I-American Collectors Intshukheni ayiyona iBusiness Business Bureau ebhengeziweyo engcono kodwa i-"A +" BBB.
Izidingo zokufaneleka
Iinqwelo eziqokelelwa yi-American Collectors Insurance kufuneka:
- Ukuqhutyelwa kwinqanaba elincinci kwaye kungekhona njengomqhubi wansuku zonke.
- Awusetyenziswanga ukugijima kweMfundo yoMqhubi.
- Ukuhlala kwigalaji edibeneyo okanye evalelwe.
Plans Policy
I-American Collectors Intshurensi inezicwangciso zokukhawulela ngokwezifiso ezilandelayo:
- Iimoto zokuqokelela : Iinqwelo zokuqokelela ziqinisekisiwe kwixabiso "elivunyelweneyo". Oku kuthetha ukuba xa kwenzeka ilahleko epheleleyo, uhlawulelwe kwixabiso elivunyelweneyo ngaphandle kokunciphisa inani lemali echithwayo. Kukho izicwangciso ezintathu zokuhamba ngeendlela ezifumanekayo kuxhomekeke kwindlela oceba ngayo ukuqhuba izithuthi zakho. Izicwangciso zivela kwi-2 500 miles ukuya kwii-7 500 zamawaka ngonyaka. Unokubhengezwa ngelixa isithuthi sakho sibuyiselwa. Umgcini we-inflation ngokuzenzekelayo ukwandisa imoto yakho ixabise ukuya kuma-6%. Kukho nakwezinye izixhobo zokuncedisa, ukuchithwa okukhethiweyo, ukhetho oluphezulu kunye nokuthengwa ngokuzenzekelayo kwezithuthi ezandul 'ukufumana.
- Iidodo kunye neNkcubeko : Izaphulelo ziyafumaneka kwiimoto eziguquliwe ezingama-40,000 zamaRandi okanye ngaphezulu kwexabiso kunye nezaphulelo ezongezelelweyo ezifumanekayo kwizithuthi / iikopi ezixabisa ngaphezu kwama-250,000. Ezinye iinkalo zibandakanya ixabiso elivunyelweneyo, iinqununu ezikhethiweyo, izicwangciso ze-mileage ukuya kuma-7,500, ukuhanjiswa kwezithuthi kwiindawo zokubuyisela, ukugcinwa kwexabiso lokunyuka kwamaxabiso, ukukhutshwa kwamacandelo okugcina kunye nokuthengwa ngokuzenzekelayo kwezithuthi ezitsha.
- Iimoto zeAntiks and Collector : I-antiques kunye nomqokeleli we-motorcycle policy inikezela ukukhuselwa kwexabiso elivunyelweneyo kubaqokeleli izithuthuthu (ngokuqhelekileyo ngaphezu kweminyaka engama-20 ubudala) ezisetyenziselwa ukuzonwabisa okanye izinto zokuzilibazisa. I-coverage ayitholakali kwi-NY kwaye kwi-NC kuphela inqaku lomonakalo lomzimba. Iinkalo zomgaqo-nkqubo zibandakanya umlondolozo wokunyuka kwamaxabiso, ukuhanjiswa ngokuzenzekelayo kwezithuthi ezandul 'ukufumana, ukukhutshwa / abasebenzi kunye nezixhobo zokuzikhusela.
- Iziqokelelwane : Le ngxelo iqokelelwe ngeebhayisikili kunye nokuthengwa kwexabiso elivunyelweneyo, ukhetho olubanzi, ukugcinwa kwexabiso lokunyuka kwamaxabiso kunye nokuhanjiswa ngokuzenzekelayo kwezithuthi ezintsha. Ukuvunyelwa komgaqo-nkqubo kuyafumaneka ukujonga ukuthunyelwa nokuphathwa kwezithuthi.
Uxhasano oluxakekileyo lwe-Roadside - I-TLC Plan
Isicwangciso socwangciso lwezendlela zongxamiseko , iSicwangciso seTLC, esinikwe yi-American Collectors Insurance iyena kwi-Platinum, Gold and Silver, kwaye inika inkokhelo yale ntlobo zoncedo:
- KuMpembelelo
- Uncedo lweNdlela
- Ukhuseleko olungxamisekileyo
- Ikhowudi Elahlekileyo
- Iindleko zohambo olukhawulezayo
- Car Show Bonisa iindleko
- Umvuzo woBoba
- I ziphumo Zomntu
- Ukufa ngokuPhepha nokuCandwa
- Uncedo lweMbulance
- IBhonil Bond
- Uncedo loKhuselo loMthetho
- Hit and Run Reward Info
- Trailer Guard
Iinzuzo eziphambili kunye neenkonzo zeNkonzo
Intshuwalense yaseMerika iqokelela ngeenzuzo ezintle kunye nemisebenzi yesevisi. Impawu zeProgram kunye nokufumaneka kuyahluka ngobuso.
- Ixabiso elivunyelweneyo : Kwimeko yokulahlekelwa ngokupheleleyo, uya kufumana "ixabiso elivunyelweneyo" ngaphantsi kokuncitshiswa kwakho.
- Izicwangciso ze-Mileage : Iiplani ze-Mileage zifumaneka kwi-2,500-5,000-okanye i-7,500 mayela.
- Izaphulelo : Izaphulelo zezithuthi eziguquliwe $ 40,000 okanye ngaphezulu kunye nezithuthi / ukuqokelela ngexabiso elingaphezu kwama-250,000. Isaphulelo esininzi semoto siyafumaneka.
- I-Inflation Guard : Ixabiso lezithuthi lakho liyakhuphuka ngokuzenzekelayo ukuya kuma-6% ngokungabi neendleko ezongeziweyo.
- Ubungakanani obuzenzekelayo : Isithuthi esitsha seklasi esithengiweyo ngexesha lakho lepolisi lihlanganiswa ngokuzenzekelayo iintsuku ezingama-30 ukuya kwixabiso lama-25,000.
- Izixhobo zokuSindisa : Lo khetho umonakalo wokukhawulela amacandelo okugcina kwiimoto zakho zakudala ukuya ku-$ 500 ngelahleko nganye ngaphandle kwerhafu eyongeziweyo.
Pros & Cons
Iinkonzo
I-American Collectors Inshurensi ixhaswa yinkampani yomzali wayo, i-Assurant, Inc., enexabiso eliphezulu kakhulu lokulinganisela imali. Iminikelo yayo yomgaqo-nkqubo yabanini-nkonzo yomshuwalense ineenzuzo ezintle kunye neempawu ezibandakanya ukukhutshwa kwexabiso elivunyelweneyo, umgcini-mali wokunyuka kwamaxabiso kunye nokuchithwa kwenzalo. Kwizinto zokuzonwabisa, izithandwa zezithuthuthu kunye nabaqokeleli beklasi, yinto ekhethiweyo yokufuna ukujonga xa ifuna ixabiso elifanelekileyo kwi-inshurensi nkqubo yabanini-ntanethi yabathinteli.
Umxhasi
Inketho yokubhengezwa kwexabiso elivunyelweneyo ayifumaneki kwii-MA, TX okanye VA.
Iinkcukacha zoqhakamshelwano
Ukufumana ulwazi oluthe xaxa malunga nokufumana isicatshulwa se-inshurensi yomqokeleli okanye ukufunda kabanzi malunga neminikelo yemveliso ekhoyo, ungashenela kwi-website ye-Inthanethi ye-American Collectors okanye umnxeba (800) 360-2277, ngoMvulo-ngoLwesihlanu, ngo-8: 30 ukuya ku-7: 00 ntambama. I-EST & iMigqibelo, ngo-9: 00 ukuya ku-5: 00 ntambama.