Yintoni Eyona Mfuneko Yobungakanani Bomshuwalense WeeNqwelo Zomoto?

Iinkonzo ezahlukeneyo ze-inshorensi ziyafumaneka kwi-inshurensi yemoto. Yintoni eyona nto ibaluleke kakhulu yomshuwalense wemoto? Ingumbuzo olayishiwe. Eyona nto ibalulekileyo yomshuwalense wemoto yinto efunekayo ngexesha lokulahleka. Kodwa, awukwazi ukuba yeyiphi inqaku elingaba likhona kuba lingatshintsha ngengozi. Nazi ezinye izinto oza kuziqwalasela xa uqikelela ukuba yintoni ebhengeziweyo ebalulekileyo kuwe kwaye yiyiphi inqaku elingasuswa.

Ubungqina Bomshuwalense Wenqwelo-ntengiso Kubaluleke kakhulu

Ubume bokubaluleka obubalulekileyo kufuneka kube yinto enobuncinane bombuso kunye nomonakalo womonakalo wepropati. Ngaphezu kwayo nayiphi na enye into ofuna ukuyigcina yomshuwalense womshuwalense ukuze uhlale usemthethweni ukuqhuba. Unobungozi bokulahlekelwa ilayisenisi yakho yokuqhuba kunye nokuhlawulwa kweefayili ngaphandle kwayo. Ngena engozini ngaphandle kokubanjelwa kwimbopheleleko kwaye unokujamelana nezohlwayo ezinkulu ezibandakanya iindleko ezivela kumonakalo obangele.

Kukho ukukhusela umonakalo kunye nomonakalo wepropati apho ukukhusela abanye abaqhubi kwindlela ukusuka kumonakalo owenzayo. Umgaqo-nkqubo wakho womshuwalense wemoto mhlawumbi ubhala uluhlu njengengozi yomzimba 20/40 njengomzekelo. U-20 nguye umnini-ndawo oza kuhlawula iindleko zonyango, intlungu, kunye nokukhathazeka ngomntu ngamnye kwaye uxabiswa kwi-20,000 yeedola. U-40 nguye umnini-ndawo oza kuhlawula iindleko zonyango, intlungu, nokukhathazeka ngengozi kwaye ixabiswa ngama-40,000.

Umonakalo wepropati unikezela ukuthengiswa kwepropati yabantu.

Ngokomzekelo, ukuba ushaya enye imoto yomntu okanye umonakalo wepropati yedolophu njengomzila womgcini okanye umqondiso wendlela yokulimala kwipropati yakho yomshuwalense wemoto uya kuguqa umonakalo ukuya kumda odweliswe kwipolisi yakho.

Ukuba neenkcukacha zokukhusela iipropati zabanye abantu kunye neendleko zonyango kubalulekile ukukhusela imali yakho.

Ngaphandle kwayo, unokugwetyelwa umonakalo.

Omnye Umlinganiselo obalulekileyo

Ufuna ukukhusela ipropati yakho. Uzakufuna ukuthenga ukukhutshwa komonakalo ngokomzimba ukuze ukhuselwe kwiindleko ezinkulu zokulungiswa kwemoto xa wenza umonakalo kwisithuthi sakho okanye enye into engekho ngaphandle kubangela umonakalo kwimoto yakho.

Inkcazo epheleleyo iya kuhlawula umonakalo kuyo nayiphi na enye ngaphandle kokungqubana. Iquka kodwa ayikhawulelwanga kwidumbu, umonakalo weglasi , umlilo , ukweba , ukuchithwa kwempahla , kunye nomonakalo wesiphepho. I-deductible ivame ukusebenza.

Ukukhawulelana kokugqithisa kuhlawuleka xa ukonakalisa isithuthi sakho ngokubambisana nokuba kukho enye imoto, umthi okanye ibhokisi leposi ayikhathazeki. Ulungelelwano luya kuhlawula ngaphandle kokutsalwa kwakho.

Inqwelo-mali yomshuwalense

Imigaqo-nkqubo yeminshurensi yemoto inikezela ezininzi iintlobo ezahlukeneyo zokubhengezwa ezingabonakalisa ukubaluleka. Nangona kunjalo, bathambekele ekugqibeleni amanqaku angaphantsi kwama dollar, okubangela ukuba bangabalulekanga.Uya kuba nako ukukhupha le ndleko ngaphandle kwento yokuthenga.

Inqwelo nganye yomshuwalense wenqwelo-mali inendawo yayo kwimigaqo ethile.

Kuxhomekeka ngokufanelekileyo kumqhubi kunye noko bafunayo kumgaqo-nkqubo wabo. Kuhle ukunciphisa indleko yakho yomshuwalense ngokunciphisa ukukhutshwa, kodwa lungele iindleko ezongezelelweyo xa kwenzeka ingozi.