Ngesithuthuthu Somshuwalense Sandton

Umshuwalense wemoto uyinto ebaluleke kakhulu kubo bonke abanikazi bemoto, kungakhathaliseki ukuthi bangaphi. Wonke amagesi kahulumeni anezidingo zawo siqu. Kunezinye izidingo ezidingekayo abashayeli ukuze bakwazi ukuthenga umshwalense futhi bakwazi ukushayela ngaphandle kokungena enkingeni. Futhi, umshuwalense wemoto ungase ube yinto ebiza kakhulu futhi eyinkimbinkimbi. Abashayeli abaningi bazithola besebenza futhi abaziqondi izimo eziphuthumayo ezihlanganisiwe. Kubalulekile ukukhuluma nochwepheshe mayelana neminye yomshuwalense, Ngesithuthuthu Somshuwalense ku Sandton kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

izingcaphuno zomshuwalense wesikhathi esifushane

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Umshuwalense Wemoto ENingizimu Afrika umthwalo wemfanelo uzokufihla umnikazi wemoto ngazo zonke izizathu ezinjengezinhloso zokulimaza noma ukunganaki. Umshuwalense womhlaba, ngakolunye uhlangothi uhlanganisa noma yimuphi umonakalo owenzelwa emotweni yakho noma umonakalo owenziwe kwenye imoto.

izinkampani zomshuwalense wesikhathi esifushane

Kubantu abacebile, banomshuwalense omkhulu wemfanelo ngoba kunamathuba amaningi angase athole isinqumo. Isikhathi esiningi, laba bantu bayakwazi ukulungisa izimoto zabo uma kwenzeka kwenzeka ingozi.

Imingcele kanye nemingcele yokunciphisa 

ingachazwa njengesikhulu inani lemali ukuthi inkampani yomshuwalense ingakhokha zonke izicelo zenqubomgomo. Ezinkontileka eziningi, uzothola ukuthi kukhona ukubekwa kwemingcele kokubili kokuphela. Ngezinye izikhathi imikhawulo yempahla kanye nemfanelo ingasethwa. Uma imingcele iphansi, ama-premium aphansi futhi ngokuphambene.

umshuwalense wemoto yesikhashana

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Izinkampani Zomshuwalense Wesikhashana kunesidakamizwa kuzo zonke izenzakalo kanye nayo yonke inqubomgomo. Uma i-deductible iphakanyiswa, ama-premium ahla.

Imigqa yokugqoka 

Ezimweni eziningi, umuntu oqinisekisiwe uyadingeka ukuba abe nemigqa yokugcizelela. Kunezinketho eziningi ongakhetha kuzo. Ungakhetha ukukhetha ukubekwa uma kwenzeka ushayela enye imoto. Kukhona futhi inketho yokwengeza abanye kwinqubomgomo. Ukufakwa kwezenhlalakahle kungakhethwa futhi ngenxa yokweba izingxenye zemoto noma imoto.

izinkampani zomshuwalense wesikhathi esifushane

Ukutholakala kwezimoto ezingekho emshwaleni kuvamile kakhulu. Yilapho abashayeli abangaqinisekisiwe bahlanganiswa khona. Lokhu kusebenza kahle uma kwenzeka ingozi kanti enye inhlobo ayinayo umshuwalense odingekayo.

Uma kuqhathaniswa nezinkampani 

Eziningi zezivumelwano Kuhlobene nemoto kunemininingwane efana kakhulu. Futhi, izinkampani zomshuwalense wemoto zingahluka kakhulu komunye nomunye. Uma ukhetha inkampani enkulu, izinsizakalo zizobe zihle kakhulu. Uzosebenzisa amazinga angcono nokubhalwa.

umshuwalense wemoto yesikhashana

Ukubuyekezwa kungasiza kakhulu ekwenzeni izinqumo. Ungacela umndeni wakho nabangane noma uhlole amabhizinisi ebhizinisi lendawo. Ungenza ukufanisa ngokusekelwe kokulinganisa abakujabulela. Kunezinhlelo ezahlukene ezibekiwe ukuze kuqhathaniswe nezinkampani ezahlukene. Uma ukulinganiswa kuhle, khona-ke uzokwazi ukuthi inkampani izwakala ngokwezimali.

izinhlelo zomshuwalense wesikhathi esifushane

Ngesithuthuthu Somshuwalense ku Sandton ?

ikhava yomshuwalense wasekhaya wesikhashana

Ukuthengwa komshuwalense wemoto kungaba umsebenzi obangele. Ngaphambi kokuthenga inqubomgomo, kuwumqondo omuhle ukufunda ngezinhlobo ezahlukene zokubheka nokuthi yikuphi okushiwo ngempela.

Ngaphambi kokuthenga umshwalense wezimoto, kufanele uqonde izingxenye ezihlukene zokuhlanganisa: umthwalo wemfanelo, ukushayisana nokubanzi. Ngayinye yalezi zingxenye iyingxenye ye-premium yomshuwalense wemoto oyikhokhayo. Nakuba kungase kube isilingo sokuthola umshuwalense wemoto eshibhile, kungcono ukukhetha ukuqiniseka ukuthi wena nemoto yakho zivikelekile ngokwanele.

Izinhlobo Ezinhlanu Zokuqala Zomphakathi

Isibopho:
Le yingxenye yomshuwalense wemoto oyomelwe ube nayo - ikuvikela uma unecala lenhlekelele. Ungabekwa icala lokulimala kwenye imoto, kodwa futhi nezindleko zezokwelapha, umholo olahlekile, nobuhlungu nokuhlupheka kwanoma ubani omele. Imingcele yemingcele ibalwa ngamashumi ezinkulungwane (noma ngezinye izikhathi ngamakhulu ezinkulungwane) zamaRandi. Isibonelo, i- "50/100/25" kusho ukusakazwa komzimba owodwa ka-$ 50,000 womuntu oyedwa, imali engu-$ 100,000 yokuthengwa kanye no-$ 25,000 wokulimala kwempahla.

Ukungqubuzana:
Lokhu kukhishwa kukhokhelwa ukulungiswa kwemoto yakho, noma ukushintshwa kwezimakethe zayo uma kuqhathaniswa uma ubhekene nomunye imoto noma ushaye okuthile-kungakhathaliseki ukuthi ubani onecala. Uma unomoto osekhulile, ungase ube ngcono ngaphandle kwalokhu kukhishwa.

Kuyacaca:
Lokhu kubhadela kukhokhelwa ukulungiswa noma ukushintshwa kwemoto yakho uma sebiwe noma ezilimele emlilweni, izikhukhula noma imimoya ephakeme. Futhi, uma unemoto endala, kungenzeka ukuthi awudingi lokhu kukhishwa.

Ukubambisana nezigaba eziphelele zenqubomgomo yakho, ehlangene ndawonye ngamaphesenti angama-40 noma ngaphezulu kwe-premium yakho, ngalinye libandakanya inani elidonswayo kufanele ukhokhe ngaphambi kokuba umshwalense ukhawule ngokufaka isicelo ngasinye. Isibonelo, uma unemali engu-$ 500, futhi ulahlekelwe u-$ 1,00
Imithetho ye-

ingafaka futhi ukukhokhelwa kwezokwelapha ngawe nabagibeli bakho (kungakhathaliseki ukuthi ubani onecala), nokuvikelwa komshayeli ongaqinisekisiwe uma kwenzeka imoto yakho ishaywa ngumshayeli ongagunyaziwe. Izinqubomgomo eziningi nazo zinikeza izengezo ezincane ezinjengokubuyisela okuqashisayo (uma kwenzeka imoto yakho ingekho ngenxa yokulungiswa ngemuva kwengozi), kanye nomshuwalense wokudubula.

Yini Edingekayo?

Cishe wonke amazwe adinga abashayeli ukuba bathathe umshuwalense wemfanelo, kodwa kwabanye bathi inani lokubiza elidingekayo liphansi kakhulu - phakathi kwamaphesenti angu-15 kuya ku-$ 25,000. Kungakhathaliseki ukuthi yimuphi umshuwalense wemfanelo owenziwe ngumbuso wakho, kuwukuhlakanipha ukuthola inqubomgomo enomkhawulo wokufaka imali okungenani u-$ 100,000 umuntu ngamunye omele futhi u-$ 300,000 ngengozi, ngoba imingcele ephansi angeke ikuvikele ngokwanele. Eqinisweni, ngokusho kwe-Insurance Information Institute, eminyakeni yamuva nje umklomelo wokulimala komuntu siqu kuleso simo kuye kwaba ngu-$ 323,000. Kumele futhi ucabange ukuthi okungenani u-$ 50,000 ekukhunjweni kwempahla yokulimala kwempahla. Ngisho noma umkhawulo wesimo ungase ube mkhulu kakhulu, ukulungisa izikweletu kungenezela ngokushesha ezimotweni zokunethezeka kanye nezinye izimoto ezibiza kakhulu.

Indlela esheshayo yokusika isikhwama somshuwalense wemoto yakho ukwandisa ukwedluliswa kokushayisana kwakho nokuhlanganiswa okuphelele . Ukukhulisa imali yakho esivela ku-$ 200 noma $ 250 umkhawulo kuya ku-$ 500 kunganciphisa amaphesenti angu-10 kuya ku-15 ngonyaka kusukela ku-bill yomshuwalense wakho wemoto. Kodwa-ke, kufanele uhlole ngokucophelela lokho okumele ukwazi ukukulondoloza mayelana nezindleko eziphezulu eziphuma ngaphandle. Uma ungenakukwazi ukukhokha imali engaphezulu, kufanele ukhethe i-deductible ephansi.

Uma ushayela imoto endala, ungakwazi ukuyeka ukusabalala okuphelele nokudibanisa ngokuphelele. Eqinisweni, uma imoto ingaphezu kweminyaka emihlanu ubudala, kufanele ucabange ngalolu khetho. Akukona umqondo ukugcina ama-premium premium yomshuwalense wezimoto ezidakayo uma imoto ingabalulekile kakhulu. Khumbula ukuthi noma yikuphi ukukhokha kuzoba ngenani lemakethe kuphela yale moto. Njengomthetho wesithupha, ungagcini ukufakwa uma ngabe i-premium ye-collision nephelele ingaphezulu kwamaphesenti angu-10 we-value esetshenzisiwe yokuthengiswa kwemoto.

Iningi lifuna ukudluliselwa kwezimoto okungagunyaziwe / okungaphansi kwesibindi, ngokuvamile u-$ 20,000 kuya ku-$ 40,000 ekuvikeleni. Uma imoto yakho ishaywa umshayeli ongenayo umshwalense wezimoto noma engenawo umshwalense owanele, lokhu kuzothola ukulimala kubagibeli bakho nezinye izindleko umshwalense wezempilo ongajwayelekile awufihli. Ibuye ikuvikele uma umshayeli ongeke aqiniseke akushaya ngenkathi ugibela ibhayisikili noma uhamba. Ungathenga i-$ 100,000 ekuthengeni cishe ngama-$ 50 ngonyaka, kodwa ngokuvamile kuvumelekile izindleko zokwandisa lokhu kokusabalalisa okungaphezulu.

Ohlangothini olungaphezulu, ungakwazi ukulondoloza ekuhlinzekeni kokukhokhelwa kwezokwelapha. Kungakhathaliseki ukuthi ubani onecala engozini, lokhu kuzokukhokhela izikweletu zedokotela nezibhedlela - futhi ngezinye izikhathi ngisho nezindleko zokungcwaba - ngawe nabagibeli bakho. Kodwa ngaphambi kokunciphisa ukukhokhelwa kokukhokhelwa kwezokwelapha, hlola ukuze ubone ukuthi inhlanganisela yempilo yakho nempilo yomshuwalense wezempilo izofaka lezi zinto. Uma kunjalo, ungenza ngokuphepha ngaphandle kwalolu khetho, okungakusiza okungenani u-$ 100 ngonyaka.

Imoto Yomshuwalense - Kufanele Ukwazi Amaqiniso

Umshwalense wemoto omfishane oqhubekayo

Iyini Umshuwalense We-Auto?

Umshuwalense wokuzenzekelayo ungumkhiqizo owathengiwe futhi ongakhokhela umonakalo wemoto yakho noma izimoto zabanye uma kwenzeka umonakalo wemoto noma umonakalo ohlobene nengozi . Umbuso ngamunye unemithetho yawo ngokuphathelene nomshuwalense wemoto ukuthi umuntu ngamunye kufanele akwazi ukushayela ngokomthetho. Izici eziningi ezihlukahlukene zithinta amazinga omshwalense wemoto, futhi. Ayisho ngisho nasezinkampanini ezihlukahlukene; kufike embonini yomshuwalense ukunquma ukuthi yimuphi umshuwalense wemoto nokuthi umuntu ngamunye uzokhokhela kanjani ukukhokhelwa ngokuzenzakalela.

Iyini umshuwalense wemoto? Kubonakala sengathi umbuzo oyisisekelo. Kodwa-ke, kunezici eziningi nezakhi ezihlukahlukene okufanele zicabange ngomshuwalense wemoto ukuthi ungaba nzima kakhulu uma ungekho olungiselelwe lokho okungena kuwo. Udinga ukwazi ukuthi amanani akholwa kangakanani ukuthi yiziphi izinhlobo zokubheka itholakale, kungakanani okudingekayo noma ungathola, nokuthi yiziphi izinkampani ezinikeza umshwalense wezimoto ezihamba phambili ngezidingo zakho.

Ngabe I-Auto Insurance Cover?

Umshwalense wokusebenzisa umshini usetshenziselwa ukukuvikela umuntu noma ibhizinisi noma inhlangano ekulahlekelweni kwezimali mayelana nemoto. Ukulahlekelwa ngokwezimali kungenzeke ngenxa yezizathu eziningi, futhi ukuba nomshuwalense wezimoto kungakufihla ukulahleka kwakho ngezindlela ezihlukahlukene.

Ukubangela Ukulimala Kwempahla

Umsebenzi umonakalo wendawo uhloswe ngokumelene nomonakalo wena noma umuntu oshayela imoto yakho ngemvume yakho kwenzalo yomunye umuntu. Izindleko zingabandakanya enye imoto, izingodo zomsebenzi, izicingo, izakhiwo, amakhaya, amabhizinisi, noma cishe noma yiluphi uhlobo lwesakhiwo semoto yakho ethinta.

Ukuhlangana < Ukubambisana ngokubambisana kuvame ukuvikela imoto yakho ekulimazeni okubangelwa ngengozi eminye imoto, i-pothole, imoto igxuma ngaphezulu, njll. Ukuqoqwa kokubambisana kuzokukhokhela ukulungisa imoto yakho, noma uma imoto yakho ibonakale engozini, iyokubuyisela ukubaluleka kwemoto ukukhipha ukukhishwa kwezimali futhi kwezinye izimo nezinye izindleko.

UKUFAKA UKUHLELA E-USA

Umshuwalense we-Auto kuyadingeka, futhi lokhu kubonakala ngokucacile ukuthi wonke amazwe athi wase-USA uye wenza ukuba kube nomshuwalense wemoto kuzo zonke izimoto. Esikhathini esiningi, lokhu kubonakala sengathi kuyisivivinyo sokukhathazeka, kodwa kungani ulinde uze uhlanganyele engozini ukuthola ukuthi ukuthatha ikhava yemoto kunakekela kanjani izimpahla zakho nawe. Izindleko eziphezulu zezokwelapha nezokugwetshwa kwezigwegwe ekukhuphukeni kwenza kube kuhle ukuzivikela wena nemoto yakho eyigugu ngemoto yomshuwalense. Ngaphezu kwalokho, zonke iziphathimandla zenze kube nzima ukuba nezinhlelo ezimbili zemishuwalense yemoto - uhlelo olungekho-iphutha , kanye nesistimu ye-Tort. Uhlobo lwangaphambili lomshuwalense ohlonishwayo emazweni amaningi lusho ukuthi umshuwalense wakho uyokhokhela izicelo zokulimala kungakhathaliseki ukuthi ubani obangela ingozi empeleni. Inani elikhokhwa lifike kumkhawulo ocacisiwe, futhi uma uhilelekile engozini, umphathiswa wakho unecala lokukhokha ukulimala. Ngokumelene nalokhu, uhlelo lweTort kulindeleke ukuthi iqembu elimele lizinakekele izindleko zezokwelapha kusuka epaketheni labo bese libiza kumuntu ophethe umshuwalense othintekayo njengempindiselo.

Inani lezingozi kanye nokweba kwenzeka ikakhulukazi e-USA, kubalulekile ukuba wonke umnikazi wemoto athenge leyo nzuzo yomshwalense ukuze aqinisekise kokubili imoto kanye nomnikazi wayo ngezikhathi zokudinga.

E-USA uma ufuna ukuba nemoto emgwaqweni kufanele ube nomshuwalense wezimoto. Abanye bathi ngisho banomkhawulo wokubheka lapho kufanele ube nesamba esithile sama dollar; ngokuvamile, lokhu kubizwa ngokuthi ukuqala kokuqala.

Indlela Yokuthola Umshwalense Wezithuthi Omusha E-USA

Umshuwalense we-Auto ubeka ingozi emotweni. Inkampani yomshuwalense ikhokhela ukulahlekelwa kwezimali kumnikazi ngokubuyisela imali encane ekhokhwa ngezikhathi ezithile. Inani elikhokhwa minyaka yonke libizwa ngokuthi i-premium, futhi inkontileka oyikhiphayo nenkampani yomshuwalense iyayaziwa njengenqubomgomo yomshuwalense. Inkampani yomshuwalense ikuvumela ukuba ubambe inkontileka, futhi ube ngumnikazi wezinqubomgomo.

Umshuwalense wemoto angeke ushibhe. Kodwa-ke, ngaphansi kwezimo ezingalindelekile zokulahleka noma ukulimala imoto yakho, isinxephezelo sizobonakala sinjengo-godsend. Ukuzikhandla ngezikhathi zemikhosi yemali ukuvikela imoto yakho noma izimoto eziphethwe ibhizinisi lakho, kungase kubonakale kubi. Kukhona ukuthambekela kokuzama nokusika imigqa ngokusebenzisa amaphakheji amancane omshwalense wemoto. Noma kunjalo, ngisho nokulimala kwemoto encane kuyabiza ngokweqile; ngakho-ke, iphakheji encane angeke ikunikeze ukufakwa okubanzi ngenkathi uyidinga kakhulu.

Izinhlobo Zomshuwalense Wama-Auto E-USA

Izinhlobo ezivame kakhulu zomshuwalense wezimoto ezikhona e-US yi-Insability Assurance, Auto Collision and Comprehensive Insurance, Izinkokhelo Zezokwelapha kanye Nokuvikelwa Kwabantu Bokuzilimaza, nabakwa-Uninsured Motorists kanye nabakwa-Underinsured Motoring. Izinkampani eziningi zanamuhla zinikeza lezi zindawo.

Inkokhelo yomshuwalense wemfanelo ikhokhela umonakalo obangela abanye nompahla wabo. Ikhokhela izindleko zomthetho ezihilelekile kanye nezindleko zomuntu ohlukunyezwayo ozoya enkantolo ebiza umonakalo, ngaphakathi kwemingcele yakho yemfanelo. Endabeni yengozi, izindleko zokulungisa imoto yakho zihlanganiswa yomshuwalense we-collision. Umshuwalense ophelele uhlanganisa ukulimala okubangelwa izigameko ngaphandle kwezingozi zemoto, njengezinhlekelele zemvelo, ukweba, umlilo, ukulimaza, nokushaya isilwane.

Uma kwenzeka umuntu obanjwe inshuwalense kanye nomgibeli ogulayo abadinga ukwelashwa ukwelashwa ngokulimala komzimba ngenxa yengozi, lokhu kuhlanganiswa nokuhlinzekwa kweziNkokhelo zezokwelapha. Ukuvikelwa komuntu siqu kuzokukhokhela izindleko zezokwelapha kanye nomholo olahlekelwe nguwe kanye nomgibeli ohamba nabo uma belimale engozini.

Kungani Udinga Umshwalense We-Auto

Inhloso eyinhloko yimuphi umshuwalense ukuvikela umnikazi wezinqubomgomo nomndeni wakhe ngokumelene nemiphumela ephumela ekulimaleni okungalindelekile noma ekufeni kanye nemithwalo yemali uma kwenzeka lezi zinhlekelele. Kuyinto inkontileka phakathi kwenkhampani yomshuwalense ohlobene nawe, lapho uvuma ukukhokhisa imali ekhokhelwa yilapho inkampani yomshuwalense izodinga ukumboza uma kwenzeka izingozi.

Umshuwalense wezimoto uhlanganisa lezi zintathu eziyinhloko izindawo:

Ukuthengwa kwempahla - kubhekisela emonakalweni noma ukwebiwa kwemoto yakho

Ukutholakala kwemfanelo - kuhlobene nemithwalo yemfanelo yakho yomthetho kwabanye abangase babangele ukulahlekelwa kwempahla ukulahlekelwa ukukhubazeka

Ukuhlinzeka ngezokwelapha - kubhekisela ekunakekeleni kwezokwelapha, izindleko zokwelashwa, ukuvuselelwa, ukulahlekelwa amandla okusebenza, noma ngisho nezindleko zokungcwaba lapho kunezinkampani.

Umsebenzi Womshwalense Wezithuthi

Umshwalense we-auto uvikela futhi kumshayeli ongaqinisekisiwe noma abashayeli. Kulesi simo, abashayeli abasha noma abashayeli abangaqinisekisiwe abanakho inkampani yomshuwalense ukukukhokhela umonakalo okwenzekile, kodwa ngenhlanhla usenayo inkampani yakho yomshuwalense ukuba ithwale ukulahlekelwa.

Vikela ibhange elinikeze ukubolekisa imoto ukukhokhela imoto yakho. Ngoba uma kukhona inhlekelele eyenzekayo emotweni yakho, akekho ozokwazi ukubolekisa noma ukunikeza imali eyengeziwe kuwe ukulungisa imoto ngaphandle kwekampani yomshuwalense wezimoto. Uma kungenjalo, kuzodingeka ulungise umonakalo owenziwe emotweni ngokwakho, futhi lokhu kuzokuvimbela ukuba ukhokhele inkokhelo yenyanga mboleko yenyanga ngesikhatsi. Umphumela wukuthi ibhange ngeke likubole imali eminye esikhathini esizayo, nekhredithi emibi okwamanje okuyiyo okungenani isikhathi esiningi. Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

 


https://garybailey.co.za/gauteng-2/

Gary Bailey Yiba Inqubomgomo Yomshuwalense Wesikhathi Esifushane Uhlu

Ngesithuthuthu Somshuwalense Johannesburg

Umshuwalense wemoto uyinto ebaluleke kakhulu kubo bonke abanikazi bemoto, kungakhathaliseki ukuthi bangaphi. Wonke amagesi kahulumeni anezidingo zawo siqu. Kunezinye izidingo ezidingekayo abashayeli ukuze bakwazi ukuthenga umshwalense futhi bakwazi ukushayela ngaphandle kokungena enkingeni. Futhi, umshuwalense wemoto ungase ube yinto ebiza kakhulu futhi eyinkimbinkimbi. Abashayeli abaningi bazithola besebenza futhi abaziqondi izimo eziphuthumayo ezihlanganisiwe. Kubalulekile ukukhuluma nochwepheshe mayelana neminye yomshuwalense, Ngesithuthuthu Somshuwalense ku Johannesburg kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

Ukuqhathaniswa komshwalense wesikhathi esifushane

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Ukucaphuna Umshuwalense Webhizinisi umthwalo wemfanelo uzokufihla umnikazi wemoto ngazo zonke izizathu ezinjengezinhloso zokulimaza noma ukunganaki. Umshuwalense womhlaba, ngakolunye uhlangothi uhlanganisa noma yimuphi umonakalo owenzelwa emotweni yakho noma umonakalo owenziwe kwenye imoto.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

Kubantu abacebile, banomshuwalense omkhulu wemfanelo ngoba kunamathuba amaningi angase athole isinqumo. Isikhathi esiningi, laba bantu bayakwazi ukulungisa izimoto zabo uma kwenzeka kwenzeka ingozi.

Imingcele kanye nemingcele yokunciphisa 

ingachazwa njengesikhulu inani lemali ukuthi inkampani yomshuwalense ingakhokha zonke izicelo zenqubomgomo. Ezinkontileka eziningi, uzothola ukuthi kukhona ukubekwa kwemingcele kokubili kokuphela. Ngezinye izikhathi imikhawulo yempahla kanye nemfanelo ingasethwa. Uma imingcele iphansi, ama-premium aphansi futhi ngokuphambene.

Ukusetshenziswa kwebhizinisi lomshwalense wesikhathi esifushane

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Ukucaphuna Komshwalense Wemoto kunesidakamizwa kuzo zonke izenzakalo kanye nayo yonke inqubomgomo. Uma i-deductible iphakanyiswa, ama-premium ahla.

Imigqa yokugqoka 

Ezimweni eziningi, umuntu oqinisekisiwe uyadingeka ukuba abe nemigqa yokugcizelela. Kunezinketho eziningi ongakhetha kuzo. Ungakhetha ukukhetha ukubekwa uma kwenzeka ushayela enye imoto. Kukhona futhi inketho yokwengeza abanye kwinqubomgomo. Ukufakwa kwezenhlalakahle kungakhethwa futhi ngenxa yokweba izingxenye zemoto noma imoto.

izingcaphuno zomshuwalense wesikhathi esifushane

Ukutholakala kwezimoto ezingekho emshwaleni kuvamile kakhulu. Yilapho abashayeli abangaqinisekisiwe bahlanganiswa khona. Lokhu kusebenza kahle uma kwenzeka ingozi kanti enye inhlobo ayinayo umshuwalense odingekayo.

Uma kuqhathaniswa nezinkampani 

Eziningi zezivumelwano Kuhlobene nemoto kunemininingwane efana kakhulu. Futhi, izinkampani zomshuwalense wemoto zingahluka kakhulu komunye nomunye. Uma ukhetha inkampani enkulu, izinsizakalo zizobe zihle kakhulu. Uzosebenzisa amazinga angcono nokubhalwa.

umshuwalense wesikhashana esincane kakhulu

Ukubuyekezwa kungasiza kakhulu ekwenzeni izinqumo. Ungacela umndeni wakho nabangane noma uhlole amabhizinisi ebhizinisi lendawo. Ungenza ukufanisa ngokusekelwe kokulinganisa abakujabulela. Kunezinhlelo ezahlukene ezibekiwe ukuze kuqhathaniswe nezinkampani ezahlukene. Uma ukulinganiswa kuhle, khona-ke uzokwazi ukuthi inkampani izwakala ngokwezimali.

Ukuqhathaniswa komshwalense wesikhathi esifushane

Ngesithuthuthu Somshuwalense ku Johannesburg ?

umshwalense wesikhathi eside esifushane wemoto

Uma okwamanje uhlala eMissouri noma uhlela ukuthuthela lapho, umshwalense wemoto yinto ozoyihlola ngempela uma uhlela ukuba nomnikazi wemoto. Umshwalense wokuzenzekelayo ubeka wena uma ubangela umonakalo kunoma yimuphi umuntu noma umzimba womuntu, futhi kuyadingeka ukuthi ubhalise futhi ushayela noma imuphi imoto.

Isimo ngasinye sinezimiso nemithetho yaso uma kuziwa ku-auto umshuwalense, ngakho kungaba umqondo omuhle ukuvakashela iwebhusayithi yaseMissouri yeMoto yeMoto ukuze uthole imininingwane ephelele yalokho okudingayo. Ngokujwayelekile, kukhona umshuwalense wemfanelo encane okufanele udonswe kuwo. KuMbuso waseMissouri, lokhu kulandelayo: $ 25,000 ukuhlolwa okuncane kokulimala komzimba ngomuntu ngamunye, ukukhokhelwa okungenani $ 50,000 kwengozi ngayinye, kanye no-$ 10,000 ubuncane bokufaka impahla noma ingozi ngayinye. Kuhle ukwazi lolu lwazi uma uthengisa umshwalense wemoto ukuze ukwazi ukwaziswa kangcono futhi ungathola inqubomgomo enhle kakhulu kuwe.

Inshwalense yemfanelo, okuyinto enikezwe igunya eMissouri, ayifihli umnikazi wezinqubomgomo uma kwenzeka kwenzeka ingozi. Lolu hlobo lwemshwalense luhlanganisa kuphela abashayeli bezinkampani zangaphandle kanye nempahla. Ukuziqinisekisa wena nemoto yakho, kufanele ucabangele ukushayisana nokuhlanganisa okuphelele. Uma ufuna ukuthula kakhudlwana kwengqondo, ungakhetha umshwalense wokushayela ongaqinisekisiwe noma ongagunyaziwe, okukuvikela uma kwenzeka umuntu ehlasela imoto yakho futhi engavunyelwe noma engaqinisekisiwe.

Uma ufuna amanani omshuwalense omoto ongcono kakhulu Missouri, iseluleko esihle kakhulu ukuthenga ezungeze futhi uqhathanise okungenani izinkampani ezinhlanu zomshuwalense. Ungase umangale ukubona ukuthi amazinga omgomo ahluke kangakanani phakathi kwezinkampani ezihlukene, ngisho nezinketho ezifanayo noma ezifanayo zokuqapha. Yingakho kubalulekile ukuthenga nxazonke futhi uqhathanise amanani omshuwalense wemoto amaningi.

Ngisho noma okwamanje uqinisekisiwe, ungase ukwazi ukusindisa amakhulu amadola ngonyaka ngokushintsha abahlinzeki bomshuwalense wezimoto. Ungakwazi ukuqhathanisa izingcaphuno eziningi ku-intanethi ngendaba emaminithi, ngakho-ke awukho lutho oluzolahlekelwa, noma ngabe ungagcina usindisa okuningi.

I-Missouri Insurance Information Service ithi izimoto ezingaphezu kuka-20 000 kubikwa kubiwe ngo-2008, cishe ingxenye yabo eSt. Louis naseKansas City. Lokhu kungaba kuhle ukucabangela lokhu yizindawo ezimbili ezinkulu kunazo zonke ezisemaphandleni, kepha lokhu kuyizindaba ezimbi kubahlali baseSt. Louis naseKansas njengoba lokhu kusho ukuthi cishe bazokhokha izinga eliphezulu le-inshuwalense ngenxa yezinga eliphezulu lobugebengu. Izimoto ezinhlanu ezivame kakhulu ezebiwe eMissouri yi-Dodge Intrepid, i-Ford Taurus, i-Pontiac Grand Prix, i-Dodge Stratus ne-Oldsmobile Cutlass, ngakho-ke ungase ufune ukugwema lezi zimoto ukuze ugcine amazinga omshwalense wakho wemoto ngangokunokwenzeka.

I-Car Car Insurance

Ukuqhathaniswa komshwalense wesikhathi esifushane

Izinqwaba zezinkampani zomshuwalense wemoto nezinqubomgomo zanele ukudidanisa noma ubani, akeke ululaze noma uphendule imibuzo elula ebuzwa njalo. Lezi zinkomo, izincazelo eziyinkimbinkimbi nezinqubo kuphela ziphoqa izinto ngokuqhubekayo. Imibuzo engadingekile ayisaphenduliwe abaningi bethu futhi ngenxa yalokho asihluleki ukuthola izinzuzo ezithile ezifanele kithi.

Nasi isethi yokuqala yazo.

Ingabe mina kudingeka uxhumane namaphoyisa endaweni yengozi?

Yebo yebo. Uzodinga amaphoyisa endaweni leyo ngaphandle kokucacisa umgwaqo noma ukuhlela usizo lwezokwelapha. Amaphoyisa afaka umbiko wengozi ebeka isisekelo sezimangalo zakho nenkampani yakho yomshuwalense. Lo mbiko obalulekile uqukethe ulwazi ngezimoto / izakhiwo ezimele, abashayeli kanye nomshuwalense wamaqembu abathintekayo. Ngaphandle kwalokhu umbiko ungayithola umsebenzi wokukhuphuka ukuze uqinisekise inkampani yakho yomshuwalense. Manje, awukwazi ukugcizelela ukubaluleka kwawo uma kwenzeka impikiswano noma icala.

Ungathola umbiko we-quasi obizwa ngokuthi umbiko wesigameko samaphoyisa uma isiphathimandla esingahambi khona sinamandla.

Kwenzekani emotweni yami uma sebiwe?

Uzohlawuliswa ngokuqinisekile uma unesiko elifanele futhi imoto ibonakala ingatholakali; kodwa okokuqala, kunezinto ezimbalwa okumele uzenze ngokushesha. Bika esiteshini samaphoyisa esiseduze bese uthola inombolo ebizwa ngokuthi inombolo yecala lobugebengu. Xhumana nomeluleki womuntu siqu wezinkampani zakho zomshuwalense ngale namba. Yilokho kuphela; futhi kusuka lapha, inkampani izohlola amarekhodi abo futhi ilandelele nawe kanye namaphoyisa njengoba futhi kuyadingeka ngaphambi kokuba bahlole ukulahlekelwa kwakho ngokuqoka umhloli wokulahlekelwa.

Inkampani yami yomshuwalense iqhubeka umlungisi kodwa ngiyazi ngomshini ongcono. Yini okufanele ngiyenze?

Inkampani yakho yomshuwalense ayikwazi ukukuphoqa kule nkinga; kodwa inkampani inezikhundla ezithile zokulondoloza. Le nkampani ifaka izindleko zokulungisa kuphela umkhawulo wemali ehlolwe ngumhleli noma umhloli wokulahlekelwa; ngakho-ke noma yimaphi inani lokulungisa elidinga ukudingwa nguwe. Okulandelayo, uzokhipha ilungelo lokubiza isimangalo sokukhanda uma umshini wakho okhethwayo engabhalwanga nenkampani yomshuwalense.

Ngenze ingozi izinyanga eziyisithupha ezedlule. Ngingakwazi yini ukufaka umonakalo manje ngaphansi komshuwalense ophelele?

Kumelwe ukuba uye wadukiswa ukuthi ukwenza isimangalo kuzokwandisa i-premium yakho yomshuwalense - okuwukuphela kweqembu eliyiqiniso - noma ngabe ulindele ukulungisa ngezindleko zakho ukuze usindise kubhonasi ayikho isimangalo. Kungakhathaliseki ukuthi kwenzekani, ngeso lengqondo unelungelo lokumangalela manje kodwa iqiniso liwukuthi kufanele ukwazi ukufakazela ngokucacile ukuthi isimangalo siyiqiniso okuyinto enkulu yokubuza ngokushesha futhi engenakho ubufakazi. Lokhu kusalokhu kunzima uma ushaya insika yokupaka ebusuku futhi iphaneli lomnyango lilimazekile lapho kungekho muntu owayebukele. Ekugcineni, isimangalo sakho ngeke sibe, ngenxa yokuthi kungenzeka, sivunyelwe ngenxa yesizathu esisodwa esingabonakali - umshuwalense wakho wokubhalisa umshuwalense akanakho indlela yokumangalela le ndleko.

Imoto yami ukulahlekelwa okuphelele. Yini ezoba imali yami yokuhlala?

Kukhona izimo ezimbili lapha. Okokuqala, unesembozo sezindleko zokufaka esikhundleni. Lokhu kukukhokhela ukuthenga imoto entsha efana nelahlekile yakho. Uma ungenayo lokhu kukhishwa, ukubuyiselwa kwakho kuyoba inani elilingana nenani lemali ngaphambi kwengozi. Ungathenga imoto esetshenzisiwe efanayo nale mali.

Ukusetshenziswa kwebhizinisi lomshwalense wesikhathi esifushane

 


https://garybailey.co.za/gauteng-3/

Gary Bailey Yiba Izindleko Zomshuwalense Wemoto Yemoto Uhlu