Yingakho kungakhathaliseki ukuba unobangela obunembopheleleko kunye nokuba uyinyamekele kangakanani umqhubi, usasafuna ukuba ne- inshurensi yemoto ye-gap .
Ukuchaza iAgap yomshuwalense
I-inshurensi ye-Gap yinto ekhethiweyo, eyongezelelekileyo kwintengiso yomshuwalense engakunceda ukuba ugubungele "isikhala" phakathi kwemali oyimfanelo yakho kwimoto kunye nexabiso lemali lenqobo yemali (ACV) xa kwenzeka ingozi. Ixabiso lemali lenqobo yemali yintengo yemali yemoto ngelixesha lengozi, kungekhona intengo yemoto yokuqala.
Umzekelo we-Intshu
Masithi uthe wabandakanyeka kwingozi kwaye ufumanisekanga. Imoto yakho yonakaliswe ngaphaya kokulungiswa kwaye kufuneka ithathelwe endaweni. Usukweleta i-$ 15,000 kwi-mboleko yakho yemoto kodwa i-ACV yakho yemoto i-$ 11,000 kuphela. Ukuba unomshuwalense we-gap, unokukunceda ukufihla i-$ 4,000 ye-gap phakathi kwento obolekisileyo ngemali yakho imfuneko, emva kokudityaniswa.
Nangona kubalulekile ukubaluleka kwe-inshurensi ye-inshu, kubaluleke kakhulu ukuba ukwazi ukuba zeziphi iingxelo zithetha.
Yiyiphi i-Total Losses Gap yemoto yomshuwalense
- Ubusela
- Umlilo
- Ukutshatyalaliswa kwezinto
- Ingozi
- Umkhukula
- Inkqantosi
- Iqhwithi
Njengoko uyakubona, ininzi eninzi ilahleko lakho eliqhelekileyo lemoto yomshuwalense kunye ne- inshorensi ye-collision iya kubhalwa, i-inshurensi ye-gap iya kugubungela. Ininzi yomshuwalense wemoto yomshuwalense iya kuhlawula i- inshurensi yakho.
Iyintoni i-Gap Car Insurance engabandakanyiyo?
Ukuqonda iinkcukacha ze-inshurensi yemoto ye-gap kubalulekile kuba kukho izikhelo ezikhoyo. Ezi zikhethi zibandakanya izinto ongaziqondiyo njengolu hlobo olutsha lwe-AV yenkqubo ye-AV oyifakile. Ngezantsi zizinto eziqhelekileyo eziqhelekileyo ukuba ziyazi.
6 I-Gap yeCandelo leNqwelo-mali eliqhelekileyo
1. Iimoto ezingagqitywa yi-inshorensi ebanzi kunye ne-collision iyabandakanywa.
2. Nasiphi na izixhobo kwisithuthi sakho esingenakwenziwa efomini.
3. Imali "eyayihanjiswa" Kwimali mboleko yemoto njengemali evela kwintengiso-okanye kwindawo eqashisayo.
Iindleko ezifunyenweyo nayiphi na enye imveliso eyongeziweyo kwimboleko okanye ukuqeshisa okubandakanya izinto ezinjengeemvume ezinwetshiwe.
5. Naliphi na imali ehlawulwayo okanye engakhokhelwa imali okanye ukuhlawulwa kwemali mboleko.
6. Naziphi na izigwebo zemali okanye ukhuseleko olugcinwe kwikheyili yakho.
Kubalulekile ukuba ukhumbule ukuba le mizekelo kuphela yezibonelelo eziqhelekileyo kunye nezibonelelo. Njengomnini wemoto, ngumsebenzi wakho ukujonga umgaqo-nkqubo wakho ukubona ukuba yeyiphi i-gap yemali yomshuwalense wemoto kunye neengcombolo.