Imiqathango yokuHlawulelwa kweNgxowa-mali yeMali
- Ukuhlawulwa kwe-Max kuyama-25 ekhulwini le-ACV yakho
- Ukuba umrhumo-mboleko / uhlawulelo lwemali lunikezelwa, luyakongezwa kumgaqo-nkqubo wakho naliphi na ixesha
- Imboleko yakho ayikwazi ukuvela kumntu
- Isithuthi sakho kufuneka sibe negalelo elipheleleyo
- Inkampani yomshuwalense kufuneka ibone ukuba isithuthi sakho silahlekelwe ngokupheleleyo
Umzekelo: UJohn wathenga entsha ye-Chevy Silverado nge $ 28,000. Wathengela iloli nge-zero phantsi kunye neminyaka emithandathu eyimali-mboleko yokugcina imali yakhe. Iloli libiwe ngenyanga yokuqala yokuthenga. Ngenxa yexabiso elincinci lokubhoxa kweloli elitsha elixoshwa kwiqashiso, inkampani yomshuwalense inquma ukuba i-ACV yesithuthi ibe yi-$ 21,000, umahluko we $ 7,000 xa kuthelekiswa nento ehlawulwayo. Ngenhlanhla, uJohn wathenga umboleko / imali yokuqeshisa ngemali yomshuwalense wemoto , eya kufikelela iipesenti ezingama-25 ngaphaya kwe-ACV yakhe. Ipesenti ezingama-21 zeedola ezingama-21,000 yi-$ 5250, ngoko ukuphazamiseka kungolu hlobo lulandelayo.
- Inkampani yomshuwalense iya kuhlawula i-26,150 yeeRandi emva kokukhipha imali eyi-100 eyi- deductible
- UJohn uya kuba noxanduva lwe $ 1,850
Nangona umboleko kaJohane awuzange uhlawulwe ngokupheleleyo, ulunge ngakumbi kunokuba ngaphandle kwemali-mboleko / yokuqeshiswa kwemali. Lo ngumzekelo ogqithiseleyo wokunciphisa ; ngokuqhelekileyo uza kufumana iipesenti ezingama-25 zexabiso langempela lemali liza kufaka i-mboleko yakho yonke.
Kuhlala kukulungele ukuxoxa ngale ndlela yokukhawuleza ngegosa lakho le-inshorensi.
Funda zonke iinkcukacha kunye nezithintelo ezisebenza kumvuzo wokuqeshiswa kwemali mboleko. Ingaba luncedo oluncedo kakhulu nangona aluhlawulanga i-100% yento enetyala. Ngokuqinisekileyo kuya kufika ngokufanelekileyo xa kuthelekiswa nokungabi naluphi na ukufikelela kwi-coverage xa uyazi ukuba ungaphantsi kwamanzi kwimboleko yakho yemoto.
Ezinye iingcebiso eziNcedo kwiimoto zeMoto