Ngaba Ubungqina Bokugcina Umshuwalense Womshuwalense Wemoto?
Ukukhutshwa okupheleleyo kunokutolika ngeendlela ezahlukeneyo. Akusiyo inqaku elithile elinikezelwa ngabathwali be-inshurensi . I-arhente yakho ayitshitshisi ibhokisi yokukhangela ngokugcwele kwipolisi yakho, kwaye ulungele ukuya. Leli gama eliye lavela kwaye liyaziwa kwi shishini lomshuwalense, kodwa abathwali bomshuwalense abasebenzisi iisethi zezikhokelo ezizilandelayo.
Inkalo Yomyinge Opheleleyo
Iimfuno eziNcinane zoRhulumente
Wonke ummandla wase-US unokubeka iimeko zakhe ezisisiseko kwi-inshurensi yemoto. Iimfuno ezisemgangathweni karhulumente zibandakanya uxanduva lokulimala komzimba kunye nomonakalo wepropati .
Epheleleyo
Ingxelo epheleleyo iya kubangela ukulimala komzimba kuzo zonke izinto ezinokuthi zenzeke kwizithuthi zakho ngaphandle kokungqubana. Ukukhutshwa okupheleleyo akunakwenzeka ngaphandle kokufikelela ngokubanzi . Umlilo, ukweba, ukuchithwa komonakalo, umonakalo wesiqhwithi, ukubetha inqanawa, ukukhutshwa kwee-windshield, kunye nokunye okugqitywa ngokubanzi.
Ulungelelaniso
Ukukhawulwa kwamagqabantshintshi kukubhengezwa okukunika ukhuselo olubanzi kwaye luhlala lubandakanywa kwi-inshurensi yomshuwalense opheleleyo. Ukubambisana ngokubambisana kuqinisekisa ukuba isithuthi sakho siya kugutywa kungakhathaliseki ukuba yintoni ebangela umonakalo. Ukudibanisa kubandakanya umonakalo kuzo zonke izingozi kwaye ekubeni ukudibanisa akukwazi ukuthengwa ngaphandle kokubhengezwa ngokubanzi nantoni na ngaphandle kwengozi iya kugubungelwa.
Umgangatho wezonyango / ukhuseleko lomntu onokuzikhusela Ungazilibali uhlalutyo lwakho lwezonyango! Imigaqo-nkqubo eninzi ifika nexabiso elincinci leedola yezokwelapha. Ukukhuselwa koKhuseleko lwaBantu kunikezelwa kwinqanaba elisetyenziswe ngamazwe afuna oko. Imingcele eyongeziweyo yokunyuka iyafumaneka, qiniseka ukuba uhlolisise le ngxelo ngegosa lakho le-inshorensi.
Musa ukukhohliswa ngezinye izinto ezingabandakanyiyo ngokuzenzekelayo kwiNgxelo epheleleyo:
Inqwelo engaphezulu yomshuwalense wemoto yilapho umgca uqala ukuphazamiseka xa kufikelele kwi-coverage epheleleyo. Ukuba uthetha amagama agcwele ukukhawuleza, mhlawumbi ucinga ukuba ithetha yonke inshorensi efumanekayo. Mhlawumbi ucinga ukuba uncedo lendlela luqukwa ngokuzenzekelayo ngeli gama elipheleleyo. Esinye isifundo awufuni ukufunda indlela enzima kukucinga ukuba uphelelwe into ethile xa ungekho.
Umqhubi weeMoto / Uncedisi
Ezi ngxelo ziyakwazi ukunyanzelwa xa ungaqhelananga ne-coverage. Kubalulekile ukuqonda ingxelo kunye nokuchonga ukuba uyinto ofuna. Ama-inshurensi angakwazi ukulahla ngokukhawuleza ukukhutshwa kwesiqendu sakho kwibhola elingaphantsi kwinqanaba lakho kwaye ubetha ezinye iicatshulwa. Ukuba ukhetha ukuphuma kwesi sikhokelo, qiniseka ukuba wenze ngokungazi kwaye awumangalisi umgca.
Intshurensi yeGap
Thenga isithuthi esitsha, ucele uncedo olupheleleyo, kwaye ulindele i- inshurensi ye-gap , kungekhona. I-inshurensi ye-Gap yinkcazo oyifunayo ukuyibuza phambi. I-arhente elungileyo iya kunikezela kuwe, kodwa awukwazi ukuthembela kuyo ngaso sonke isikhathi. Ungacingi i-inshurensi ye-gap ngokuzenzekelayo ifakwe ne-inshurensi yemoto epheleleyo.
Towing
I-Towing mhlawumbi i-coverage ehlanganiswe ngokuqhelekileyo ifakwe kwi-inshurensi yemoto epheleleyo. Oku kunokuba kudixise xa udibeneyo kwaye ubize i-agent yakho kuphela ukufumanisa ukuba awunayo inkcazo. Ngokuqinisekileyo, cacisa ukuba ufuna uncedo lendlela .
Ukuqeshiswa Kweenqwelo
Abanye abathwala i-inshurensi banikela inani elincinci lokubambisa iinqwelo zemoto xa uthengela i-inshurensi yemoto epheleleyo. Ngamanye amaxesha i-coverage ayibhalisiwe, ngoko kufuneka ucele ukuba umgaqo wakho unikezela. Ukuba ukuqeshiswa kwemoto kuyimfuneko ebalulekileyo yokunika ingxelo , qiniseka ukuyicela ngexesha lokumisela umgaqo wakho.
OEM Endorsement
Ukuba awuzange ube ne-inshurensi yomshuwalense we-auto, unokuba ungazi ukuba iinkampani zomshuwalense azisebenzisi iinkalo ngqo ukusuka kumenzi wemoto. Iimpawu ze-aftermarket kunye neengxenye ezisetyenzisiweyo zisetyenziselwa ukulungisa izithuthi.
Emva kokucela, abanye abathwala i-inshurensi banikela ukufumana ingcaciso eyongezelelweyo ukuze ufumane ii- OEM , ungazicwangcisi ukuba udibaniswe ngokupheleleyo.
Umgangatho opheleleyo weGlasi
Umonakalo weglasi wugcinwa ngokuzenzekelayo xa ukhetha i-inshorensi epheleleyo yokukhusela i-inshorensi ngoba iya kubakho phantsi kwe-coverage. Nangona kunjalo, ukuba ukhetha i-deductible ephezulu kwi-intanethi, inokususa i-glass coverage yakho. Ukugqithisa iglasi egcweleyo uhlawula i-premium ephezulu ukuba ungabi nantengo echithwayo okanye ubuncinci obuchithwe kwi-glass claims kuphela. Jonga kwi-glass coverage xa uhamba ne-deductible kwi-coverage epheleleyo.
Ukuchitha iDeductible
Ukuba umthengisi we-inshorensi okhethayo unikezela ukuphazamiseka kwemithwalo-mali , qaphela ukuba i-coverage ayifumaneki ngokuzenzekelayo nomgaqo-nkqubo opheleleyo wokukhawuleza. Ngokuqhelekileyo unikezelwa ngeendleko ezongezelelweyo eziya kufuneka zongezwe kwipolisi yakho ngaphambi kokuba ilahleko ivele.
Qaphela xa kuziwa ekusebenziseni ibinzana elipheleleyo le-insurance auto-insurance. Ekubeni kunokuthathwa ukuba uthethe izinto ezahlukeneyo, ufuna ngokwenene ukucaca xa ukhetha ukukhutshwa. Ukuba i-inshorense yemoto yinto yesiGrike kuwe, qalisa ngokufunda izinto ezisisiseko kwaye ubuze imibuzo uze uziva ukhululekile nalo mbandela.