Isithuthuthu Somshuwalense Ukulinganisa South Africa

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, Isithuthuthu Somshuwalense Ukulinganisa ku South Africa kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

izintengo zomshuwalense wesikhathi esifushane

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Isithuthuthu Somshuwalense 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.

izinhlelo 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.

umshwalense wesikhathi eside esifushane wemoto

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Izingcaphuno Zemishuwalense Yemoto 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.

ibhizinisi lomshuwalense 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.

umshwalense wemoto yesikhathi esifushane

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.

umshuwalense wesikhathi esincane wemoto wabathengi

Isithuthuthu Somshuwalense Ukulinganisa ku South Africa ?

qhathanisa umshuwalense wesikhathi esincane

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.

Iseluleko Somshuwalense Wezithuthi Zomshayeli eMissouri

ikhava yomshuwalense wesikhathi eside

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, kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

Impahla kanye nemfanelo

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, 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.

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.

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, 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.

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.

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. umshuwalense wesikhathi esifushane ekhaya nomphakathi

 


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Gary Bailey Yiba Isithuthuthu Somshuwalense We-motorcycle Uhlu