Ukuqhagamshelana ngokubanzi kunye noMyingano wokuBambisana

Yiyiphi i-coverage engcono: i-comp or collision?

Ukuba usanda kuthengisa isithuthi esitsha, uyazi ukuba ukuze uqhube kwiindawo ezininzi, kufuneka uthenge uhlobo olusisiseko lweminshuwalense yemoto, kodwa unokugandelelwa yindlela oyikhetha ngayo. Ukuqonda kunye nokudibanisa zezi zimbini iintlobo zomonakalo owenziwe ngomzimba okhoyo kwimigaqo-inshorensi yemoto. Bobabini badlala indima ebalulekileyo ekugcineni isithuthi sakho kwisimo se-tip-top. Amancinci amancinci kunye neendlovu zendlela yonke ukuya kwi-car crunching ingagqitywa, okanye inkampani yomshuwalense ingakwazi ukuhlawula imali eyaneleyo ukuze uphinde uphinde uhlale.

Thelekisa ezimbini iintlobo zokukhawuleza ukuncedisa oko kufuneka ukukhusela isithuthi sakho.

Umlinganiselo opheleleyo

Kungakhathaliseki uhlobo lweemoto oqhubayo okanye apho uqhuba khona, ngokwenza kwaye usebenze isithuthi kwaye uqhube kwiindlela zomphakathi, imoto yakho iyingozi kwiintlobo zonke zokulahlekelwa kunye nokulimala, kokubili kunye nabanye endleleni kunye propati. Nangona ukhathazeka kakhulu ngeengozi, isithuthi sakho singonakaliswa ngezenzo zemozulu ezinjengezitho zomthi eziwela phantsi okanye isichotho esinqunyiwe samatye, ukuchithwa okanye ukuhlaselwa ngabantu abaqhwabayo, ngakumbi xa ubeka ngaphandle okanye esitalato. Cinga ngolu hlobo olubanzi olunokubambisa i-inshurensi ekhethiweyo ekukhuseleni isithuthi sakho ngokumalunga nomonakalo owenziwe yiyiphi into ngaphandle kokungqubana - kwaye ikukhusela ekubeni uhlawule.

• Ingasetyenziselwa nxamnye nayiphi na enye ingxelo okanye nokuba yi-stand-alone coverage.

• Ukulungiswa komonakalo weglasi, kubandakanywa izikhwama zomoya .
• Ukuqhagamshelana kunye nesilwanyana, esona siqhelo.
• Unika ukhuselo kumonakalo wesiphepho kuquka nomoya, isichotho kunye nokhukula.
• Ukulungiswa komonakalo kwiintengiso ezifaka imoto yakho, ukuphuka kwimoto yakho, okanye ukusela.
• Ngokuqhelekileyo unikezela ngokukhawuleza ngexabiso elincinci ngexabiso elincinciweyo.

Umyinge wokuBambisana

Ukubambisana ngokubambisana mhlawumbi kubaluleke kakhulu ukufundwa okufunekayo ukuba ube nokukhusela isithuthi sakho ngokumalunga nomonakalo. Akunzima ukubetha ngengozi xa uqhuba. Omnye umntu uhlala ephosakele, kwaye umntu unokuba nguwe. Eminye umonakalo obaluleke kakhulu kwisithuthi sakho inokuvela kwi-collision enye imoto, umthi, ipolisi okanye umlindi. Ukuze uthenge ukukhawulelana kwe-collision, kuyakufuneka uthenge ukukhutshwa okubalulekileyo. Ukuphakanyiswa kwakho okuphezulu (imali oyihlawulayo xa ufumana ukungqubana), i-intlawulo yakho yenyanga iya kuhlala ikhona-kwaye le nto ingaba yindlela efanelekileyo yokufumana ukufunwa kunye nokulondolozwa kwakho ngexesha elifanayo .

• Ukudibanisa kungathengwa kuphela xa kudibaniswa nokuxhamla kunye nokufikelela ngokubanzi.
• Umonakalo wokulungiswa kokulungelelaniswa xa izithuthi ezimbini eziqhutywayo okanye ukujika zidibene kunye.
• Ubandakanya umonakalo kwisithuthi sakho xa ushaya i-ice kwaye udibanisa into engaphiliyo.
• Ukudibanisa kubandakanya umonakalo we-pothole .
• Ukukhawulelana ngokubambisana kunokuba kubiza, ngoko ke ukunciphisa iindleko, abaninzi abantu bakhetha i-$ 500 echithwayo okanye ngaphezulu.

"Eyona nto ibhetele" yokulimala kwePhysical Car Insurance Insurance

Kwabanye, i-coverage engcono kakhulu yinkampani yomshuwalense we-inshorensi ephantsi kakhulu eyenza bakwazi ukuqhuba ngokusemthethweni endleleni.

Kwabanye, i-coverage engcono kakhulu uhlobo olufihla iindleko ezipheleleyo zokulungiswa kwisithuthi sakho xa ufaka ibango. Indlela yodwa yokuqinisekisa ukuba ukhuselwe ngokupheleleyo kukuba uthenge ukugqithwa okubanzi kunye nokukhawulelana ngokukhawuleza. Ngamanye amajelo anemisebenzi yawo yokwenza.

Amabango apheleleyo aqhelekanga kuba abantu abaninzi baphatha ukufikelela ngokubanzi kwizithuthi zabo. Yona ixabiso elincinci lezo zimbini zeendlela zokulimala. Ngaphezulu, ukukhutshwa okubanzi kubhekiselele kwimonakalo enxulumene nesilwanyana kunye nesimo sezulu ezixhaphake kakhulu xa kuziwa kwizithuthi.

Ukukhawulelana kokubambisana kukhona kuwe xa wenza iphutha. Kubuhlungu kakhulu ukudala umonakalo kwisithuthi sakho, kodwa ukufunyanwa ngumgaqo-nkqubo wakho we-inshorensi kunokukunceda uzive ungcono.

Xa ukhetha ukukhutshwa kweso sithuthi, into ebalulekileyo ekufuneka uyiqwalasele yindleko yokufihla ukuxhomekeka kwexabiso lezithuthi zakho kunye nezindleko zokulungisa.

Emva kokuba unqume ukuba unako ukuhlawula umonakalo ngaphandle kwepokothini lakho, lixesha lokunciphisa ingxelo.