Ukuthenga Imoto ngaphandle kwelayisenisi
Akukho mthetho ochasene nokuthenga imoto ngaphandle kwelayisenisi yokuqhuba. Kukho nawuphi na umthetho kummandla wonke ongavumeli umntu ukuba aqhube ngaphandle kwelayisenisi yokuqhuba okanye imvume, ngoko nceda ugcine engqondweni.
Ukuthenga imoto uze uyibhalise kunye nombuso apho uhlala khona, uya kufuneka ukuchongwa kwesithombe kunye nomshuwalense wemoto .
Ukuthenga Inqwelo-mali Yomshuwalense Ngaphandle Kwemvume
Ukufumana i-inshuwalense yemoto ngaphandle kwelayisenisi yokuqhuba ayikho lula. Zama ukubiza ngee-inshorensi ezahlukahlukeneyo, kwaye unokususwa ngokukhawuleza ukuba awubuzanga imibuzo efanelekileyo.
Qala Ngokukhetha Umqhubi wePrayimari
Umqhubi oyintloko wesithuthi sakho kufuneka abe ngumntu osondelene nawe, isihlobo segazi okanye iqabane lakho liqala. Ngokucacileyo, awufuni ukunikela phezu kwezihluthulelo kwisithuthi sakho kunoma ubani.
Kucingelwa ukuba awuyi kuqinisekisa isithuthi ngaphandle kweenjongo zomntu oqhubayo. Ukuba uthetha kummeli womshuwalense awunayo ilayisenisi kwaye ufuna ukuqinisekisa imoto yakho; uya kukwaziswa ukuba akunakwenzeka. Imigaqo esemgangathweni ukuqinisekisa ubungqina belayisenisi yokuqhuba phambi kokuba umgaqo-nkqubo we-inshurensi ukhishwe.
Ungalokothi uxoke, wolule inyaniso, okanye unqande ulwazi kwi- inshente ye- inshurensi . Uzibeka ngokwakho ukunyuka kwebango lokuzayo. Yiyiphi inqaku lokuhlawula i-inshurensi ukuba ayilunganga ngexesha olilifuna kakhulu? Thembeka kwi-arhente uze ucele iingcebiso ukuba abanako ukukunceda.
Umqhubi wePrayimari uphila kunye nawe
- Wena, umqhubi ongekho mvume, uya kufuneka ukuba ungabandakanywa njengomqhubi kumgaqo-nkqubo. Umlingane kufuneka akwazi ukufumana i-inshorensi kwisithuthi nangona abanye abathandwayo be-inshorensi abakhethayo mhlawumbi baya kuncipha. Hlola nge- inshurensi abathwali ababhalisayo iinkqubo ezinobungozi obuphezulu rhoqo.
- Ukuba umqhubi oyintloko uhlala nawe kodwa akayena mlingane, unokuthiwa ngu-insured kwipolisi kwaye ungabandakanywa njengomqhubi ngexesha elinye. Umqhubi oyintloko unako ukudwelwa njengomqhubi kumgaqo-nkqubo. Mhlawumbi kufuneka wenze okufutshane ukujonga ukufumana umthumeli womshuwalense onika le khetho.
Umqhubi wePrayimari akayi kuhlala kunye nawe
- Umqhubi oyintloko unokukwazi ukuqinisekisa isithuthi nangona kungabhalwanga kubo phantsi komgaqo-nkqubo we-inshurensi yemoto. Uninzi lwababathwali bomshuwalense lukuvumela ukuba uqiniseke isithuthi esibizwa ngokuba yi- insured . Qinisekisa ukuba uchaze ukuba ngubani obizwa ngelo xesha kwixesha lokuqinisekisa i sithuthi.
- Ukuba ukhetho lokuqala alusebenzi, cinga ukukhangela ezinye izithuthi zomshuwalense ezivumela ukuba umntu ogunyazisiweyo ogqirha ukuthenga ipolisi yesithuthi esingenamntu. Ngoko uzama ukufumana umthumeli we-inshurensi oya kuthi umqhubi oyintloko aqiniseke isithuthi.
I-TIP: Ndikholelwa ukuba i- Progressive Insurance inikezela ngemigaqo-nkqubo yokukhutshwa ngaphandle kwabashayeli abanama-insured kunye ne-inshurensi kwiimoto ezingenamntu. Imithetho inokuhlala ihluka ngobuso, ngoko nceda ukhangele nommeli ogunyazisiweyo kwindawo yakho.
Ikhefu lokugqibela elikhethiweyo Ukufumana Inqwelo-mali Yomshuwalense ngaphandle kwelayisenisi
Ukuba usenzima ukufumana ingqalelo, unokwakheka ukuba ube nomqhubi wakho oyintloko obizwa ngesikolo sakho. Ngokuqhelekileyo, ukuba nomqhubi ogunyazisiweyo kwisithuthi kuya kunciphisa iingxaki ze-inshorensi. Uya kusadingeka ukuba ungabandakanywa njengoko umqhubi ubonakala ukuba awuvumelekanga, kodwa ukufihla kufuneka kufumaneke ngokulula. Phinda ukhethe umqhubi wakho oyintloko ngokufanelekileyo, ngoko awupheli ngeengxabano ezingabalulekanga ezivela kwimeko.
Landela u-Emily Delbridge kwi-Twitter @CarInsReview