Yintoni Ingozi Yokuxolela?
Ingxowa yokuxolelwa yinkalo yomgaqo-nkqubo womshuwalense wokhuseleko okhusela irekhodi yakho yokuqhuba ukuphazamiseka kwenkqubo yenkampani ye-inshorensi yengozi "yephulo". Ithintela i-premium yakho ye-inshurensi ukuba ingasenyuka ngenxa yengozi yecala. Akuyiyo yonke into eyenziwa ngengozi yokuxolelwa yinkampani yomshuwalense. Oku ngokuqhelekileyo kusebenza kuphela kwingozi yakho yokuqala yecala kwaye ke kuphela xa irekhodi lakho lokuqhuba lihlambulukile.
Zonke izithuthi zomshuwalense we-auto zinomgaqo-nkqubo kunye nenkqubo yokuxolelwa kwengozi. Unokuhlala ubuza ukuba ufanelekile ukuxolelwa ngengozi, kodwa ekugqibeleni uya kwiinkampani zomshuwalense. Ezinye iinkampani zinikela ngokuzenzekelayo ukuxolelwa ngengozi xa abanye bekuvumela ukuba uyithenge njengemvume kumgaqo-nkqubo wakho. Kufuneka ukhumbule ukuba nangona inkampani yomshuwalense ingaboni ngengozi kwindleko yomshuwalense wakho, ingozi isesidini sakho sokuqhuba.
Ngubani o nikela?
Nazi ezinye zeenkampani zomshuwalense weenqwelo-moya ezinikezela ukuxolelwa kwengozi kunye neenkcukacha malunga nale phulelo:
- Allstate - Allstate inikezela ukuxolelwa ngengozi ngokusebenzisa "I-Politikhi Yomgaqo-nkqubo". Lo ngumgaqo-nkqubo owanikeza izaphulelo kubaqhubi ngamarekhodi okuqhuba okukhuselekileyo. Ukongeza kokuxolelwa kwengozi, unokufumana isaphulelo se-5% kwiinyanga ezintandathu oya kuzo ngaphandle kwengozi.
- Inkqubela phambili - Intshuwalense yeProgressive inikeza uhlobo lokuxolelwa kwengozi ngeprogram "yokunyaniseka kwayo". Ngolu hlelo, izingozi ezincinci zixolelwe ngeengcamango zokusombulula ngokukhawuleza amabango amancinci ngaphandle kokwandisa i-premium ye-inshurensi yabathengi.
- I-USAA - USAA inikezela ukuxolelwa ngengozi ngenxa ye-$ 1 ngenyanga. Ingxelo ifumaneka kwiindawo ezininzi.
- Ehlabathini lonke - lonke ilizwe linikezela ukuxolelwa kwengozi kuphela kumazwe athile. Ukuxolelwa kwengozi kunokwandisa kwabanye abaqhubi kumgaqo-nkqubo wakho. "Ukuxolelwa" kusebenza kuphela kwengozi enye ngomgaqo-nkqubo.
- Inkululeko yokuThuthukiswa kweMali - Ukukhulula komngcipheko we-Mutual ukuxoxwa kuya kuhambelana nomgaqo-nkqubo we-auto kubaxhasi abafanelekileyo. Isebenza kuphela kwingozi yokuqala yokulimala. Inketho yokuxolelwa kwengozi ayifumanekanga kwi-CA okanye kwi-NC.
- I-GEICO - I-GEICO ibhaso abanye abaqhubi ngokuxolelwa kengozi emva kokufikelela kwiminyaka emangalisayo kwaye baye bagcina irekhodi yokuqhuba ngokukhuselekileyo. Abaqhubi abafanelekileyo banokuthenga ukuxolelwa kwengozi. Ungathenga ukuxolelwa kwengozi xa uqala ukuthenga ukukhutshwa kwemoto okanye ukuvuselelwa komgaqo-nkqubo.
- I-Hartford - I-Hartford inikeza abanikazi bomgaqo-nkqubo ngemoto yokuqala yokuxolelwa kwengozi, oko kuthetha ukuba ingozi yakho yokuqala ayinakukuchasene nawe xa uhlangabezana neziqinisekiso. Ukuxolelwa kwengozi inxalenye yepakethe yeHartford's Advantage Plus.
Ngaba Ndifanelekile?
Ayikho yonke inkampani inika uxanduva lokuxolelwa ngengozi yomshuwalense wemoto . Hlola kunye ne-inshente yakho ye-inshorensi ukuba ufumane ukuba inkampani yakho yomshuwalense inika uxolo. Nokuba ngaba unikezelwa, awuvumelekanga. Ukuba uneemoto ezininzi zeemoto kwiminyaka emithathu edlulileyo okanye inani eligqithisileyo leethikithi zokukhawulezisa okanye ezinye iziphene ezithintekayo kwirekhodi yakho yokuqhuba, amathuba ongenakufaneleka.
Nangona ungafanelanga ukuxolelwa ngengozi, ungadikibali. Kukho ezinye izaphulelo zomshuwalense we-auto ezifumanekayo kuwe. Ekuhambeni kwexesha, njengoko uhlambulula irekhodi lakho lokuqhuba, uya kulungelelanisa izaphulelo ezingaphezulu. Ngokude uhamba nerekhodi yokuqhuba ecocekileyo, izaphulelo ezingaphezulu uza kuzifumana. Enye enye isaphulelo ungayifumana kwiprogram edibeneyo enikezelwayo yanikela ezininzi zam inshurensi.
Kwiimeko ezibuhlungu ukuba uzifumana engozini yemoto, qiniseka ukuba ulandele onke amanyathelo afanelekileyo okwenzayo emva kwengozi yemoto . Emva kokunyamekela zonke izinto ezifunekayo, jonga i-inshurensi yakho ukuba ubone ukuba ufanelekile ukuxolelwa ngengozi. Ukuba ufanelekile ukuxolelwa ngengozi, mhlawumbi yinto egcina i-premium yomshuwalense womshuwalense ovela kwi-sky-rocketing out control.
Ngethuba uthetha ngutitshala we-inshorensi malunga nokuxolelwa kwengozi, kutheni ungaceli malunga nayiphi na inkqubo okanye izaphulelo ezingakusindisa imali kwi-premium yomshuwalense we-auto? Fumana ulwazi oluthe xaxa malunga nezaphulelo zomqhubi we-adolescence , u- deductibles odakalayo kwaye uhlawule-njengoko-u-go auto inshurensi .