Imibuzo eqhelekileyo malunga nokuvumela umntu ukuba akhokhe imoto yakho
Ngaba uke wavumela umntu ukuba akhokhe imoto yakho ukuba afumene ukuba bangena engozini xa beqhuba isithuthi sakho? Kuyakwenzeka ukuba uvumele umntu ukuba aqhube isithuthi sakho. Zininzi izizathu ezinokuvela zifuna umntu ukuba aqhube isithuthi sakho, kodwa uyazi ukuba umgaqo-nkqubo wakho womshuwalense wemoto usebenza njani kwimeko? Khangela indlela umonakalo we -fault-case ephathwa ngayo xa kubangelwa ngumqhubi ongafakwe kwi-auto insurance insolisi yakho.
01 Ngubani umgaqo-nkqubo we-inshurensi yemoto efihla imoto?
Xa Umhlobo Wakho Ukhona-Ukusilela
Kwimiba yomqhubi ephosakeleyo, indlela yodwa yokufumana ukufihla kweso sithuthi ngumnini we-inshurensi yemoto yomshuwalense. Ukuba umgaqo-nkqubo awunayo i- collision coverage echazwe, akukho nkonzo ikhoyo. Isithuthi esichithwayo sisebenza. Kuphakathi komnini wezithuthi kunye nomqhubi we-fault-making ukugqiba ngubani oza kuhlawula i- deductible , kodwa umnini wezithuthi ekugqibeleni uya kwi-hook yexabiso elipheleleyo. Ngandlela-thile, i-deductible iya kufuneka ihlawulwe ukuze kulungiswe imoto.
02 Ngubani oza kubamba umqhubi?
Umnini we-inshurensi yemoto yomshuwalense uya kunika inkxaso- mboleko , naye. Ngokuxhomekeke kwinqanaba lomngcipheko, iimbopheleleko zithuthi mayingenakwanela ukuhlawula umonakalo. Kwimeko apho, umgaqo-nkqubo we-inshurensi yemoto uyakwazi ukuthatha uxanduva olongezelelweyo ukuba imida iphezulu kunezinto ezithathwa yingozi.
03 Ngaba i-inshurensi yemoto yomshuwalense iya kunyuka?
Ngokuvumela omnye umqhubi ukuba asebenze isithuthi sakho, uthatha uxanduva lomqhubi. Uninzi lweenkampani ze-inshorensi ziya kukhupha umgaqo-nkqubo womnini wezithuthi kunye neengozi zengozi. Iinkampani ze- inshurensi zisekela ixabiso le-inshurensi yakho kwimeko enokuthi ibango elizayo. Nangona isithuthi sakho sibolekwe ngengozi ye-accident-accident, unobungozi obukhulu bokukwenza oko. Intengo ephezulu iya kubonakaliswa kwi-premium yakho ye-inshurensi ngenxa yokuba ngumngcipheko ophezulu.
04 Ngaba ithikithi iya kuthintela umgaqo-nkqubo wam inshuwalense yemoto ukuba inikwe umqhubi?
Akuyena kuphela umqhubi wezithuthi zakho ephosakeleyo engozini, wafumana ithikithi yezothutho, naye. Yeyiphi imini embi kumhlobo wakho! Ngombulelo kukuba, nayiphi na ukuphulwa komqhubi efunyenwe ngumnye umqhubi akuyi kuchaphazela umnini-nkqubo we-inshurensi yomgaqo-nkqubo okanye irhafu. Ukuphulwa kwezithuthi kuya ngqo kwilayisenisi yokuqhuba kunye nerekhodi yomqhubi. Ngoku umlinganiselo we- inshorensi yomqhubi wemoto unokunyuka ngenxa yetikiti.
Ingozi phantsi kwezi meko ihlale ibi. Umqhubi uziva kakubi kwaye umnini wemoto akanakunceda kodwa uzive ecaphukile. Akunakuphela nje ukuphazamiseka yinto yokuba yakho imoto idinga ukulungiswa , kodwa iindleko ezingaphezulu ziyakushiya uhlawule ukubolekisa imoto yakho kwiminyaka ezayo. Cinga ingozi ngexesha elizayo xa ucinga ngokukrazula imoto yakho. Ngaba umqhubi uhlala ephazamiseka aze ahambe uhambo olude? Okanye, ingabe ukhwela isithuthi sakho kumqhubi onoxanduva lokuqhuba irekhodi elifanelekileyo lokuqhuba ixesha elifutshane?
Ekugqibeleni, khumbula: uza kuba kwi-hook yeendleko zomonakalo obangelwa omnye umqhubi. Ngaba kufanelekile ingozi? Nguwe kuphela ongagqiba isigqibo, kodwa gcina inani leenqwelo ezimbalwa zokuqeshisa uhlala ujabule ukucebisa ngokufanelekileyo xa kwenzeka.