Lo ngumonakalo wokuhlaselwa komonakalo (CDW), owaziwa ngokuba ngumonakalo wokulahlekelwa komonakalo (LDW), kwaye ngokuqinisekileyo awuyiyo inzuzo yomshuwalense-kukuxhomekeka komsebenzi.
Ngokuthenga i-CDW, awuyi kuphendulwa nayiphi na ilahleko okanye umonakalo kwimoto yokuqashisa . Oku kunokuba luncedo kakhulu xa ufumana ingozi ngexesha uqhuba imoto yokuqashisa.
Isandi esimangalisa kwaye akukho-brainer, akunene? Ewe, uphicilelo oluhle lukhona kwi-CDW. Ngokuqhelekileyo ithi xa uphula umthetho wesivumelwano sokuqeshisa nangayiphi na indlela, ukukhishwa okuthengiweyo akuyi kusebenza. Kubalulekile ukwazi imithetho yemvumelwano yakho yokuqeshisa imoto, kwaye uwalandele kwi-T - ingakumbi ukuba uhlawule umrhumo owongezelelweyo.
UmGaqo oNgcono weNqashiso yeMoto ekhoyo
Xa kuthelekiswa nanoma yimuphi umthombo okhoyo ukukhawuleza ukulimala komzimba, i-CDW iyona nto ibhetele. Inshshurensi ngokusebenzisa yakho yomshuwalense uyothatha i-deductible. Naliphina i-postage evela kuyo nayiphi na enye imvelaphi iya kukushiya unembopheleleko yokurenta ngeentsuku zokuqasha imoto elungiswayo. Ezi ndleko ziyakongeza ngokukhawuleza. Ukongeza ukuhlambalaza ukulimala, uhlawula imali yokulungisa isithuthi awuyi kuphinda uzuze ekuqhubeni.
Nangona i-CDW, ke, uguqulwe!
Umzekelo: Ngethuba elisekuphumeni, uJohn washaya i-guardrail waza wabeka i-dent enkulu kumnyango wecala lomgibeli. UJohn akayi kuba nexhala nge- deductible okanye ukuhlawula ukulungiswa ngenxa yokuba uthenge umonakalo wokulimala. Umonakalo wokutshatyalaliswa komonakalo uya kuhlawula ukulungiswa ngokupheleleyo.
Enye indlela yokuyijonga yile: unokuhlawula encinane ngoku okanye ubungozi bokuhlawula ixesha elide emva koko. Yona yindlela yokudlala. Ukuba ufuna ukukhuselwa kwe-100%, kuya kufuneka uthenge umonakalo wokutshatyalaliswa komonakalo - kwaye landela isivumelwano sokuqasha, ewe!