Omnye umntu oyiHot My Parked Car
Iprogram Yayiyo Iliphi Kuloo Nkunkuma YeZakhiwo?
Umgaqo - nkqubo we-inshorensi yemoto -ntlawulo uhlawulela ukulungisa umonakalo wendawo. Nangona kungenanto ityala , umgaqo-nkqubo wezithuthi eziphosakeleyo uhlawulela. Kule meko, i-coverage inikezelwa yinkampani yomshuwalense yesithuthi, kungekhona ngumqhubi wemoto.
Umzekelo: UJohn uboleka iloli yomntakwenkqo ukuba athathe izinto ezithile. Nangona ekhuphe ngaphandle kwendawo yokupaka kwi-nursery uxabela imoto epakiweyo . Umgaqo-nkqubo we-inshorensi yomntakwabo kaYohane uza kuhlawula umonakalo kwimoto epakiweyo.
Ukulimala kwePropati yePropati engaxhaswanga
IBhunga loPhando lwe-Inshorensi (IRC) liqikelela ukuba i-1 kwabanye abaqhubi aba-7 e-United States okwangoku ayiqinisekisiwe, kodwa iiprogram ezingamashumi amabini anesibini zidinga umonakalo womonakalo wepropati ongenakuncediswa. Abaqhubi kwezinye iindawo, ngokuqinisekileyo, banakho ukhetho (kodwa akunyanzelekanga) ukuthenga umgaqo-nkqubo wokulimala umqhubi wemoto, onikezela ngokukhawuleza xa umntu ehlasela imoto yakho kwaye engenakho u-inshuwalense yemoto.
Lo mgaqo-nkqubo ungabonelela ngokukhawuleza ukutshatyalaliswa nokuqhuba izingozi. Kwimihlaba apho kungabikho ukufunyanwa khona, uninzi luyishiya kwiinkampani zomshuwalense ukuba zenze isigqibo sokuba okanye zinganikezeli lo mgaqo-nkqubo. I-Deductibles inokufaka isicelo kwisigxina ngokuxhomekeka kwendlela obeka ngayo umgaqo-nkqubo. Shayela i-inshente ye-inshurensi yemoto ukufumana ubuninzi bokuthengwa kwakho.
I-arhente inokukunceda ukuba ugqibe ukuba i-hit and run will cover under your policy.
Ziyiphi i-Deductibles Apply In a Damage Claim?
Ukuba uthe washaya ipropati yomntu ngesithuthi sakho, umrhumo wakho oqhelekileyo awuyi kusebenza ekulungiseni umonakalo. Nangona kunjalo, ukuba isithuthi sakho sonakaliswe ngexesha elifanayo, kuya kufuneka uhlawule ukudibanisa kwakho ukuze ufumane isithuthi sakho silungiswe. Ukutshatyalaliswa kwamagqabantshintshi kuyahluka, kodwa kuyaqhelekileyo ukuba abaqhubi babe ne-$ 500 echithwayo.
Ukuba uyazi ukuba ngubani owonakalise ipropati yakho, unenhlanhla: uya kuba nako ukufaka ifowuni yomonakalo wepropati kumgaqo-nkqubo we-inshorensi , awuyi kuhlawulwa ukuhlawula i-deductible, kwaye uvumelekile ukuba inqwelo yerenti ngelixa lakho isithuthi siyakulungiswa.
Ukuba awukwazi ukuba ngubani owonakalise ipropati yakho, yinto encinci kakhulu (kwaye ingaba yabiza kakhulu): ungayazi ukuba ngubani owonakalise ipropati yakho yatshintsha ibango kwi-claim yomonakalo wepropati kwibango lokubambisana. Ukuba awazi ukuba ngubani owonakele isithuthi sakho, uya kuba noxanduva lwakho lokutshatyalaliswa kweentlanzi. Ukuba awunayo i- collision coverage , inkampani yakho yomshuwalense ayiyi kuhlawula ibango. Oku kunzima ukuba nzima.
Kuthemba, i-party-fault-party yakushiye inqaku.
Umzekelo: UJack uphuma kwisitolo sokutya ukuze afumane i-dent enkulu kumnyango wecala lomgibeli. Akukho mntu washiya inqaku elithatha uxanduva. Ubiza umnxeba wakhe we- inshorensi kwaye ufumanisa ukuba une-$ 500 echithwe kwi- collision . Uya kufuneka ahlawule i-$ 500 yokuqala kunye nenkampani yakhe ye-inshorensi iya kuhlawula intsalela yebhili.
Kuthatha ixesha elide ukuthatha iNkqubo yokuLawulwa kwePropati?
Amabango okonakaliswa kwepropati angathatha ixesha elide lokuqhuba. Iphulo kufuneka lizimisele kwaye bobabini amaqela kufuneka baqhagamshelane namasebe amabango. Kucinga ukuba wonke umntu ubambisana, kufuneka ufumane isheke malunga nokulungiswa malunga neveki ezimbini. Unokukhawulezisa inkqubo yebango ngokuqinisekisa ukuba ukhona ukuthetha namabango ommeli. Ukunxibelelana ngokuqhelekileyo kuyona nto ibalulekileyo xa kufikelelwe ukufumana imoto yakho yalungiswa (kwaye ezo zilungiso zihlawulwe) ngokukhawuleza.
Umzekelo: uMarko wachazela uTony ukuba uphumelele kwisithuthi sakhe. Isalathiso sepropati yesakhiwo senziwa phantsi komgaqo-nkqubo kaMarko womshuwalense. Ummeli wabameli waqhagamshelana noMarko noTony ukuba baqinisekise ingozi. Ikhonkco yokulungiswa kwakhishwa kwaye yathunyelwa kuTony emva kweentsuku ezili-10 zoshishino.
Ingaba Ukulimala Kwepropati Kuchukumisa Iimali Zakho Ezizayo?
Ukuba umntu uthintela ipropati yakho, ukufaka ibango kumgaqo-nkqubo womshuwalense womnye umntu awuyi kuchaphazela iirhafu zakho. Ukuba awukwazi ukuba ngubani owonakele isithuthi sakho kwaye ufaka ibango lokubambisana phantsi komgaqo-nkqubo wakho, kuya kukwandisa izinga lakho ngexesha lokuhlaziya.
Ukubangela ingozi akusayi kuba nomvakalelo omuhle. Ukuba ukonakalise ipropati yomntu, ukulungisa kungabiza. Ngenhlanhla, inshuwalense yemoto isendaweni yokukunceda. Umonakalo wolawulo lwemihlaba uya kuhlawula, kaninzi kungenakucatshulwa, into enhle. Ukuba kukho umonakalo kwisithuthi sakho, kuya kufuneka uhlawule ukudibanisa kwakho ukuze ulungiswe. Umrhumo wongeziweyo uya kuthi ungezelelwe ekuhlaziyeni kwakho ukufakela ingozi yengozi. Ixabiso leedola lemali engaphezulu liyakwazi ukuhluka. Hlola ngegosa lakho le-inshurensi yemoto ukuze uthole iinkcukacha ezingaphezulu.