Phandle
Enyanisweni ibhekisela ephaketheni lakho. Oku kulungile, imali evela kwi-pocket yakho, i-wallet, okanye i-akhawunti yebhanki kwaye uhlawula ukulungiswa kweso sithuthi esonakalisiweyo. Le mali yongezelela kwi-premium yomshuwalense wemoto,
Imali ehlawulwa yipokothini?
- Ukuhlawuleka: Lindela ukuhlawula kwipokhethi yakho. I-deductible yimbopheleleko yakho ininzi yamabango ahlukeneyo, ngokuqhelekileyo izibango zomonakalo zomzimba ezifana nokubanzi okanye ukudibana . Ukhetha i-deductible ngexesha udibanisa isithuthi kwipolisi yakho. Amanani ahlaziyiweyo angahluka kakhulu ngomntu ngamnye kunye nokuhlawula. Ukuphakanyiswa kwakho okuphezulu, okanye ngaphandle kweendleko zesikhwama, i-premium yomshuwalense womshuwalense wemoto. I-inshurensi yakho ichithwe iya kufuna ukuhlawulwa xa ukhetha imoto yakho ukuba ilungiswe.
Umzekelo: UJohn ubetha intonga kwaye uxhasa umonakalo we-$ 3000 kwimoto yakhe. Ixabiso lakhe elidityanisiweyo, okanye kwiindleko zesikhwama, i-$ 100. Uhlawula i-$ 100 ukuze ahlaziye isithuthi sakhe.
- Umonakalo ungaphantsi kwe-deductible: Ngamanye amaxesha umonakalo uvela kwizithuthi zakho kwaye kubiza ngaphantsi ukulungisa oko kunokuba ususwe. Oku kuthetha ukuba uya kuhlanganisa iindleko zokulungisa isithuthi. Inqwelo yakho yomshuwalense ihlawula umonakalo ogqithise inani lakho elichithwayo.
Umzekelo: UJohn utshitshisa iqhosha leqhwa kwaye ahlambulule kwisitrato somlindi obangela umonakalo we $ 4000 kwimoto yakhe. Ukuxhatshazwa kwakhe, okanye ngaphandle kweendleko, ku-$ 500. Inembopheleleko yakhe yokuhlawula i-$ 500 ukwenzela ukuba isithuthi sakhe silungiswe.
- Gwema ukuxhamla kwi-accident kunye nakwephulo-mpazamo : ngamanye amaxesha kunomdla wakho ukuhlawula umonakalo ovela kwingozi encinane. Ukuba iindleko zokulungisa umonakalo ngumlinganiselo olawulekayo ngaphezu kwe-deductible yakho, ungasindisa imali ngokukhawuleza ngokuphepha ukhuseleko lwexesha elizayo kwipolisi yakho ukususela kwifowuni yefowuni. Ingaba kukho umnxeba onzima xa kuvela kulokhu ngaphandle kweendleko zesikhwama kodwa imeko ivela ngezikhathi ezithile.
Umzekelo: UJohn ubhekisa umbuko wecala lakhe engena kwigaraji lakhe. Ngu $ 600 ukubuyisela isibuko. Esikhundleni sokuhlawula umrhumo wengozi ye-inshurensi kwimoto yakhe yomshuwalense kwiminyaka emithathu ezayo, uvula ukubeka endaweni yesibuko ngokuhlawula i-$ 600 ephakamileyo.
- Unetyala elingaphezulu kwesithuthi esilungileyo emva kokulahleka kwelahleko: Mhlawumbi ixabiso eligqithiseleyo xa uhlawulisa ngaphezu kwesithuthi sakho lifanelekileyo kwaye unayo ilahleko epheleleyo yengozi . Ukuba awunayo i-gap coverage, umehluko phakathi kwezinto ezithintekayo imoto yakho kwaye oko uhlawulwayo kuya kuba yindleko ephakamileyo. Zisoloko zithwala i-inshurensi ye-gap ukuzikhusela xa unetyala elingaphezulu kwesithuthi. Kwezinye iimeko kunokuba ngamawaka eedola.
Umzekelo: UJohn unetyala elibi kwaye uxhaswa ngemoto entsha. Wathabatha imali engaphezulu kweenyanga ezingama-72 kunye nenzala ephezulu. Ngunyaka owodwa emva kokuthenga kwakhe wayengozini embi eyayivela kwisithuthi sakhe . UJohn wayesekweleta i-$ 15,000 kwisithuthi sakhe kodwa ixabiso lexabiso lemali laliyi-12,500 kuphela. Inkampani yakhe yenkampani yomshuwalense yafaka i-$ 12,000 emva kokuba ichithwe. Ukuxhamla kukaJohn kwindleko ze-pocket ku-$ 3,000 ukugqiba ukuhlawula isithuthi azinako ukuqhuba.
Xa uva abantu bethetha ngeengxowa-mali eziphuthumayo, iintlawulo zee-inshorensi zesikhwama ziwela kulolo hlobo. Njalo gcina ubuncinane imali eyaneleyo yokukhusela i-inshurensi yakho esandleni sakho ukuba kunokwenzeka. Kuya kwenza ubomi bube nzima kakhulu xa kwenzeka ingozi yemoto.