Amavili aqhekeziweyo athathelwa ingqalelo njengokonakaliswa kwezinto kwaye ngenxa yoko awela phantsi kwenxalenye ebanzi yomgaqo-nkqubo weinshurensi yemoto. Isixa sokugubungela iitayara ezityiweyo sixhomekeke kwimigaqo-nkqubo.
Imizekelo yokwenyani yeHlabathi
Umyinge uxhomekeke kwinkampani yeinshurensi, kunye nomgaqo-nkqubo. Fowunela inkampani yakho ufumane okungakumbi, kodwa le mizekelo yokwenyani inokukunceda ufumane umbono wokuba ungagutyungelwa na.
kutheni kubi ukunxiba ezimhlophe emva komhla womsebenziAmanqaku afanelekileyo
- Yintoni i-Inshurensi yeeMoto eziBanzi
- AmaNqaku aKhuthazayo ahlekisayo
IGeico
Xa ubuzwa ngomnxeba, IGeico Amavili atshisiweyo athathwa njengokonakaliswa. Oku kuthetha ukuba ba-inshoriwe phantsi komgaqo-nkqubo obanzi (jonga iinkcukacha zomgaqo-nkqubo wakho ukuze ubone ukuba une-coverage).
Ifama yaseburhulumenteni
Kwelinye icala, Ifama yaseburhulumenteni uthe iindleko zokutshintsha amatayara azigqitywanga phantsi kwemigaqo-nkqubo yabo. Nangona kunjalo, bongeze ukuba uncedo lwabo lweendlela luya kugubungela iindleko zabasebenzi ezinxulumene nokutshintsha amatayara.
Ngaba Ukhuselekile?
Okubalulekileyo, ukugubungela kuyahluka ukusuka kwenye i-inshurensi ukuya kwenye, ke jonga umgaqo-nkqubo wakho-ngakumbi icandelo elipheleleyo -ukufumanisa ukuba amatayara ahluthweyo agutyungelwe. Nangona ingxelo ebanzi ilapha ayifunwa ngawo onke amazwe , uninzi lwababolekisi lufunaingxelo ebanzikwizithuthi ezixhaswe ngemali ngalo lonke ixesha lokubolekwa kwemali.
Ukulimala Kwezithuthi
Ukuba itayara elityunjiweyo lenza umonakalo kwisithuthi-njengokuqhuba imoto ngaphambi kokuqonda ingxaki ekhokelela ekonakaleni komphetho okanye omnye umonakalo-oku kungabangwa kumgaqo-nkqubo we-inshurensi, kodwa umnini-polisi unoxanduva lokutsalwa.
I-inshurensi yengozi yendlela
Iivenkile ezininzi zinika uhlobo lwe-inshurensi yetayara xaukuthengisa izithuthiibizwa ngokuba yi-inshurensi yengozi yendlela. Lo mgaqo-nkqubo wongezelelekileyo ubuyisela iindleko zokutshintshwa kwamatayara okanye ahlawule indawo yokulungisa ngokuthe ngqo, kuxhomekeke kumgaqo-nkqubo. Kuba le ngxelo yenzelwe ukugubungela iingozi ezifumanekayo ezindleleni, ezinjengeemingxunya kunye nenkunkuma, ayihlawuli iindleko ezinxulunyaniswa nokudakumba kwamatayara.
indlela yokusetha amabala ngaphandle kweempahla
Iziqinisekiso zeTire
Xa uthenga amavili akho, unokufumana i-inshurensi okanye iwaranti ngenkampani yamavili. Nangona ezi ziqinisekiso zinokwahluka kwizinto abazigubungelayo, uninzi lweziqinisekiso zamatayara ziyilelwe kuphela ukuqinisekisa umgama othile wendlelaamaviliphantsi kweemeko eziqhelekileyo zokuqhuba. Amavili aqhekeziweyo akagutyungelwanga ziwaranti.
Ukubonelelwa kweNdlela engxamisekileyo
Abaphathi bomgaqo-nkqubo abanoncedo lwendlela engxamisekileyo ngoncedo lweinshurensi yabo banokubiza uncedo xa imoto yonakaliswe ngamatayara atshisiweyo. Iinkonzo ezinikezelwa ngabasebenzi abancedisa ecaleni kwendlela zinokwahluka ngokuxhomekeke kwinkampani kunye nomgaqo-nkqubo, kodwa amatayara aqhekeziweyo ahlala efanele ukuncediswa ngohlobo lokurhuqa okanye uncedo ngokutshintsha ivili lisalele. Oku kuhlala kugubungela kwaye akunakufakwa kuyo yonke imigaqo-nkqubo yeinshurensi yemoto.
Musa ukulibala iDeductible
Ngaphandle kokugubungela okubanzi, kunokubakho inkcitho engaphandle kwepokotho ngohlobo lokutsalwa. Oku kunokwenza ukuba kungenzeki ukufaka ifayile yebango, kuba ixabiso levili lingaphantsi kunexabiso elitsalwayo. Ukongeza, ukwenza ibango leinshurensi kunokubangela iipremiyamu eziphezulu ngemigaqo-nkqubo yexesha elizayo. Inkampani yeinshurensi ingacela ikopi yengxelo yamapolisa xa umnini-polisi esenza ibango lokonakaliswa kwemoto.
Sukuwabeka phantsi amavili aseleyo
Kukho amarhe amaninzi kwi-Intanethi athi nabani na oye waqhawula amavili kufuneka aqhubeke kwaye awasongele nawaphi na amavili aseleyo ukuze afihle i-inshurensi yakhe, utsho Snopes . Oku akuyonyani kwaye luhlobo lobuqhetseba beinshurensi. Kungcono kakhulu ukuba wenze ibango ngokusekwe kwiinyani okanye uye phambili kwaye uhlawulele ukutshintshwa kwevili epokothweni.
Jonga ipolisi yakho ukuze uqiniseke
Ekugqibeleni, ukufumanisa ukuba ukhuselwe ngamatayara atyhidiweyo, kuyakufuneka uqinisekise ukuba unayo i-inshurensi yemoto ebanzi. Emva koko fowunela inkampani yakho okanye ufunde ukuprinta okuhle ukufumana iinkcukacha. Abanye abantu beinshurensi baya kuhlawula itayara elitsha, kwaye abanye abayikukuhlawula.
ingakanani i-aspirin onokuyinika inja
