Iyintoni i-inshurensi yemoto yesikhashana?
I-inshurensi yemoto yesikhashana okanye i-inshurensi yomshuwalense wexesha elifutshane kukuba xa ufuna kuphela inshuwalense kwimoto ngexesha elincinane, ngenxa yeemeko ezahlukeneyo.
Iinkampani zomshuwalense ngokubanzi zivame ukubhalela imigaqo-nkqubo yomshuwalense we-auto oqhele ukuhlala ixesha elilodwa lonyaka. Abaqhelekanga kwishishini lokubhalisa i-inshurensi ngemigangatho emfutshane nje ngeentsuku ezimbalwa, ngoko ke abantu bahlala bekhangela ikhefu elifutshane okanye ixeshana ze-inshorensi zesikhashana endaweni yoko.
Ngubani onokulufuna okanye ocinga nge-Inthanethi yomshuwalense weeNkcazo?
Abantu bavakatye ilizwe ngelixesha elifutshane kunye nokuthenga imoto yesikhashana ngenjongo yokutyelela kwabo.
Abantu basebenzisa inkonzo yokwabelana ngokukhwela, abafuna inshurensi xa beqhuba, kodwa bengenayo imoto,.
Abantu abaphakathi kwemoto
Abantu abanenkxalabo malunga nemimiselo yemfanelo emotweni abaqhuba ngayo, ngoko bafuna ukuncedisa nge-inshurensi eyongezelelweyo. Umzekelo, ukuba imoto oqhubayo sele ineshuwalense yayo, kodwa unenkxalabo yokuba ubuncinci bomshuwalense angeke uzalise ngokupheleleyo uxanduva lwakho, ungagqiba ukuzikhusela ngokuthenga i-inshurensi yemoto yesikhashana nje nge-inshurensi eyongezelelweyo xa inshorensi yabanini akwanele.
Abantu abaza kubrazula imoto abangenayo
Abantu ababoleka imoto kumhlobo okanye ilungu lentsapho ixesha elide
Abantu abaza kuqhuba iimoto eziqashisayo kwaye bavaliwe ngezihlandlo eziliqela okanye ngeenyanga ezimbalwa, kwaye bafuna ukusebenzisa i-inshurensi yemoto yesikhashana ukuphepha i-inshurensi ephezulu yenkampani yerenti yerenti, kwaye abanalo i-inshurensi yemoto engunaphakade.
Abantu abathengayo imoto ngexesha elifutshane kwaye bacwangcise ukuyithengisa. Ukuba le yimeko yakho, qhagamshelana nenkampani yakho yomshuwalense malunga naloo nto kuba unokukwazi ukongeza le moto emfutshane yesikhashana kumgaqo okhoyo kunokuba uthathe ipolisi eyahlukileyo. Oku kuya kukulondoloza imali kuba uya kufumana inqununu yexabiso lemoto ngelixa uqinisekisa i-car yakho yesibili, kwaye ungeke ube nesigwebo xa ususa imoto ngenxa yokuba awuyikukhansela umgaqo-nkqubo, ususa nje imoto. Hlola okukhethwa kukho.
Ngaphambi kokuthenga i-inshurensi yemoto yesikhashana
Abantu badla ngokudideka ngolu hlobo lwemigaqo-nkqubo ye-inshorensi yemoto, kwaye kuxho mekeke kwiimeko zakho awuyi kulufuna olu hlobo logalelo.
- Ngaphambi kokuba unqume ukuba ufuna ukuthenga ipolisi yemfanelo yenkxaso-mali okanye ipolisi yomshuwalense wemoto ngezizathu zesikhashana, qhagamshelana nenkampani yakho yomshuwalense wokugqibela, inkampani yomshuwalense wekhaya, okanye ummeleli we-inshorensi elayisenisi kwaye uchaze imeko yakho kubo. Basenokumangalisa ngokukuxelela ukuba unayo i-coverage kakade, okanye unokukwazi ukukunika isiphakamiso ukuqinisekisa ukuba unenkxalabo ngani.
- Fumana ukuba ungathenga umgaqo-nkqubo we-inshorensi ngekota elifutshane, umzekelo umgaqo-nyanga we-6.
- Kufuneka uxoxe nomnini wemoto oyisebenzisayo, ukuba awunjalo, kwaye ucele ukuba bacele inkampani yabo yomshuwalense ukuba usebenzisa imoto yabo. Akunakufuneka uthenge nayiphi na ingxelo xa umgaqo-nkqubo uza kukugubungela.
Imigaqo-mboleko yokungabikho komnini inokwenzeka ukuthenga iimeko ze-inshorensi zesikhashana xa ungenayo imoto, nangona kunjalo, oku kungenakukukhetha kwakho kuphela oko kutheni kungengcamango enhle ukuthetha nomqeqeshi we-inshorensi ukufumana iingcebiso ezingcono. Imigaqo-nkqubo engekho-mfanelo yemfanelo ayifuni ukuphazamiseka komonakalo emotweni, ngoko qiniseka kwaye ulandele uluhlu olungezantsi, ukuze ubone ukuba yeyiphi igalelo oyifunayo kwaye ufuna xa ubheka inshurensi yemoto yesikhashana.
Ingaba Inqwelo Yakho Yomshuwalense Ikhupha Ixesha Lemoto?
Umgaqo-nkqubo wakho womshuwalense wemoto ungabhasela iimoto zokuqashisa, ukuba kunjalo, akufuneki ukuba uthenge nayiphi na inshuwalense yemoto yesikhashana ngokusebenzisa i-agency yerenti.
I-coverage iya kubonisa ngokufanayo iimpawu ezifanayo ezikuloo moto. Ngokomzekelo, ukuba unayo i-$ 500 echithwe kwi- coverage epheleleyo , le ngxelo efanayo kunye nokuxothwa kuyo iya kwandisa imoto yakho yokuqeshisa. Naliphi na iidrocubles kunye nemida yokufikelela kwimoto yakho iya kwandisa imoto yokuqashisa. Hlola kunye nenkampani yakho yomshuwalense wemoto ukuba uqinisekise ukuba unesigxina esifanelekileyo ngaphambi kokuba uqeshe imoto. Baya kuba kwindawo efanelekileyo yokukunceda kwaye banikeze iifowuni ezifanelekileyo malunga nemeko yakho.
Inkonzo yomshuwalense wemoto yomshuwalense kwimigaqo yomshuwalense wemoto yakho ayiyi kuwandisa kweshishini eliqeshisiweyo okanye ukusetyenziswa kweemoto .
Umgaqo-nkqubo wokuPhathwa kweMfanelo
Imigaqo-nkqubo yokungahlawulwanga komnini injongo yokujonganisa iimeko ezithile kwaye unokufumana izizathu ezingenanto kwintengiso yemoto enokuthi iqiniseke phantsi komgaqo-nkqubo. Funda kabanzi malunga ne-inshorensi yemfanelo yobunini-mboleko apha.
Ngubani othembisa iimbopho zokungabi nabanikazi beeMfanelo?
Unokwenza ukukhangela kwi-intanethi ukufumana umgangatho omhle kumgaqo-nkqubo ongekho mfanelo . Uninzi lweenkampani ze-inshurensi ezisemgangathweni zinikezela iinkqubo ezingenayo i-Intellectual Responsibility policy, ngoko ke ingumzekelo olungileyo ukuqala nenkampani yakho yinshuwalense. Basenokukwazi ukukusindisa ngemali ngokukunceda ukuba uqiniseke ukuba awunakuphindaphindiwe kwi-coverage yakho ngokungadingekile.
Yintoni Efihliweyo Ngomshuwalense Wemoto Yesikhashana?
Ngokuxhomekeke kwinjongo ye-inshorensi yesikhashana unquma ukuthenga, uya kuba neendlela ezahlukeneyo zokujonga. Eyona nto, buza malunga nale miba elandelayo yomshuwalense wemoto, ukuze uqonde kakuhle umgaqo-nkqubo phambi kokuba uyithenge.
- Uxanduva
- Umlinganiselo opheleleyo
- Ukuqhawula ngokubambisana
- Abanqwelisi abangaqinisekisiwe nabangaphantsi
- iintlawulo zonyango
- Towing
- Ukulahleka koMsebenzi
Ingakanani Imali Yomshuwalense WeeNtsalane ?
Ixabiso lentengiso yomshuwalense wesikhashana iya kuxhomekeka kwimihlobo enjani yemoto oyiqinisekisayo , ukuba uza kuyisebenzisa njani, imbali yakho yomshuwarensi yakho, kunye nobude bexesha ofuna i-inshorensi efutshane okanye yexeshana.
Ngokuxhomekeke apho uthengela khona i-inshurensi yesikhashana, iindleko ziyahluka kakhulu. Umzekelo, ukuba uthengela i-inshurensi yemoto yesikhashana xa urenta imoto kwi-ejensi yokuqashisa, kuya kuba neendleko ezingaphezulu kunokuba ufumana inshurensi yemoto yesikhashana ngekampani yinshuwalense. Kufuneka uthengise ngeenxa zonke kwaye ubone ukuba yeyiphi inqaku ongayifumana kuyo kwinkampani yakho yomshuwalense ngaphambi kokuba wenze isigqibo.
I-inshurensi yaseKhaya iya kuKhusela i-inshurensi yemoto yesikhashana
Intshurensi yasekhaya ayifaki i-inshurensi yemoto yesikhashana Ngokubanzi uxanduva lomgaqo-nkqubo womshuwalense wekhaya awubandakanyi uxanduva lwemoto.
Eminye imigaqo- mboleko yemfuneko ingabonelela nge-Uninsured / Underinsured (UM / UIM) Ukukhuselwa kwabaThuthi, umzekelo omnye ngu-Ace Insurance.
Kuthiwani Ngeempembelelo Zomntu Emotweni?
I-arhente zokuqeshisa ngamanye amaxesha zibuza ukuba ungathanda ukuthenga i-inshurensi yomntu.
Ukuba ulahlekelwa izinto kwimoto ngelixa lemali yebango, imiphumo yakho siqu ingafunyanwa phantsi komgaqo-nkqubo wakho womnini okanye umgaqo-nkqubo weendwendwe. Oku akuyi kufuna i-inshurensi yemoto ekubeni izinto ezingabandakanywanga kwisithuthi, okanye inxalenye yesithuthi ngokwazo ayihlanganiswa phantsi kwe-inshurensi yemoto. Ngomntu ochaphazelekayo wokubhengezwa kwinkampani yokuqeshisa imoto, ezi ziyakubhekiswa.
Ukuba ubiza ipropati yakho kwikhaya okanye umgaqo-nkqubo wokuqeshisa , phawula ukuba ibango lakho liyakuthi lixhomekeke kwi-deductible kwaye linakho nemiphumo efana nokulahlekelwa yilahleko yakho yokulahleka.