Umzekelo
I-Cliff iphethe i-Capital Cafe, indawo yokutyela eyaziwayo ephantsi kwedolophu yasePleasantville. Ukupaka kunqamle kufuphi nevenkile ukuze iKuffaf isandule ukugqiba ukupaka indawo yokupaka.
UCliff uqeshe indawo encinane yokupaka emva kwevenkile yokudlela ukuze usebenzise izithuthi zokupaka. Cliff 'isetyenzisile iinqununu ukupaka i-autos amakhasimende xa ivenkile ivulekile.
Ngenye imini uBill, i-valet yokutyela, uqhuba iMercedes enomthengi ogama linguPaula. UBhili uzama ukuqhuba iMercedes ibe yindawo yokupaka ngokuqinileyo xa ehlasele ngengozi i-accelerator esikhundleni seebhuleki. UBill uhlawula i-Mercedes ibe yi-BMW e-Steve, omnye umthengi. Zombini iimoto zenza umonakalo omkhulu wenzalo. UPaula noSteve bacaphukile xa befunda ukuba izithuthi zabo zonakaliswe. Bobabini bafuna ukuba i-Capital Cafe ihlawule iindleko zokulungisa izithuthi zabo.
I-cafe iyagcinwa phantsi koxanduva jikelele kunye nemigaqo-nkqubo yokuthengisa . U-Cliff akaqinisekanga ukuba yiyiphi ipolisi eya kubeka umonakaliso kwizithuthi zabathengi bakhe ukuze athumele amabango kubo bobabini bomshuwalense. Cliff iyaxhalaka xa bobabini bephika ukufihla.
Umshurensi ngamnye ubiza okuthiwa unakekelo, ukugcinwa okanye ukulawula ukungabikho. Ukukhutshwa (okufana nale mibini nkqubo) kukuthintela umonakalo wepropati kwiinkonzo zokunakekelwa, ukugcinwa okanye ukulawula. Ekuboneleleni ukupaka kwe-valet, i-Capital Cafe inakekele izithuthi zikaPaula kunye neSteve. Ngaloo ndlela, umonakalo wepropati owenziwe kulezo zithuthi awuhlanganiswa phantsi komgaqo-nkqubo.
I-Cliff's auto insurer iyamxelela ukuba umonakalo kwiinqwelo zikaPaula kunye neSteve yayiza kuhlanganiswa ukuba uthenge ama- garage coverage. Le ngxelo ingafakwa kwiprojekti yomgaqo-nkqubo wentengiso nge- endorsement . Yenzelwe amashishini agcina ukugcinwa kwezithuthi zabathengi ukwenzela ukupaka, ukugcina okanye ukwenza inkonzo kubo. Imizekelo izitolo zokulungisa ngokuzenzekelayo, izitolo zomzimba, izitolo zeglasi, izitishi zeoli kunye nabagcini bezithuthi.
Ufana nePhysical Damage Coverage
Ukuxanduva lokugcinwa kwegaraji kuyafana nezindlela ezininzi zokuthengisa ukulimala komzimba. Izinketho zokukhawulela ziyafana:
- Uqhagamshelwano olupheleleyo Uphazamisa umonakalo kumthengi kunoma yiphina isizathu ngaphandle kokuba ulungelelanisa nomnye into okanye ukuguqulwa komoto.
- Izizathu ezicacileyo zezizathu zokulahleka Ziyindlela enye yokufikelela ngokubanzi. Ukukhusela umonakalo obangelwa ngumlilo, umbane, ukuqhuma, ukweba, ukungalungi okanye ukutshabalalisa.
- Ukudibanisa Ukuphazamisa umonakalo kumthengi kubangele ukudibanisa kunye nenye into okanye ukuguqulwa kwemoto.
Abagcini-garaji baPhulo lweMfanelo
Abagadi bamagaraji bahluke ngokukhawuleza kwengozi yokulimala emzimbeni kweso sithuba sokuqala. Ihlanganisa ilahleko enokuthi uxanduva lwezithuthi zakho iinkampani azikho.
Umonakalo owenziwe ngokwasemzimbeni ngumhlobo wenkxaso yomhlaba. Iquka umonakalo kwi-autos ibhizinisi lakho.
I-inshorensi yabasigcini ibandakanya umonakalo ohlolwe malunga nenkampani yakho kumgwebo ngenxa yokulahleka kwengozi okanye umonakalo kumthengi (okanye izixhobo zokusebenza) ezishiye ekunyamekeleni ukulungiswa, inkonzo, ukupaka okanye ukugcina. Inkonzo yomshuwalense i-inshurensi ibandakanya ukuhlawulwa kweeNtlawulo ezongezelelweyo (ukukhusela). Ukuba ngaba umthengi akukhathaza umonakalo, umgcini-mboleko uya kukukhusela kwi-suit kwaye ahlawule iindleko zeenkundla ezahlukeneyo.
UmGaqo-ngqo okanye uLawulo lweMithetho
Abagadi bamagcini besikhokelo ngokuqhelekileyo basebenza kwiimfanelo zomthetho . Oko kukuthi, iquka ukulahlekelwa kwezithuthi zabathengi kuphela xa unesibopho somthetho ngomonakalo. Kwimeko yeCafe Cafe echazwe ngasentla kwendawo yokutyela ihlawulwa ngokufanelekileyo ngomonakalo kwabaxhasi bezithuthi.
Oku kungenxa yokuba umonakalo wabangelwa ukunganakwa komsebenzi wevenkile.
Iinqwelo zabathengi zingonakaliswa ngelixa ivenkile yokugcinwa kweengozi ezingabangelwa kukunganakwa. Ngokomzekelo, cinga ukuba iindudumo zenza iindwangu ezinkulu zichotho. Zonke izithuthi ezifakwe kwi-Capital Cafe yokupaka i-valet zibeka umonakalo wesichotho. Indawo yokutyela ayifanelekanga ngokomthetho ngomonakalo obangelwa sisiqhwithi sichotho. Nangona kunjalo, i-inshorensi yezolahleko ezinjalo zifumaneka njengendlela yokukhetha.
Ukugqithisa ngokuthe ngqo okanye okuPrayimari
I-inshorensi yokugcina igaraji i-inshurensi ibandakanya umonakalo kubothengi ukuba ngaba okanye awuvumelekanga ngokomthetho ngomonakalo. Ukuhanjiswa ngokukhawuleza kunokufaka isicelo kwisiseko esinqununu okanye ngaphezu kwesiseko. Ukubonelela ngokukhawuleza kwinqanaba lokuqala kukunika umonakaliso wokuqala kumonakalo kumothengi kwii-autos ekugcinweni kwakho kungakhathaliseki ukuba uxanduva lwakho (okanye uxanduva lwaso nawuphi na umgcini-mali). Xa i-cover yakho ngqo ihlawula ilahleko kwisithuthi somthengi, umthengi akafuneki ukuba afake ibango phantsi komgaqo-nkqubo wakhe wecala .
Ukufikelela ngokukhawuleza okuphambili kunokubiza. Enye indlela yokugqithisa ngokuthe ngqo . Ukugqithiswa ngokuthe ngqo kweso sikhokelo kusetyenziswa okwesibini ukulahleka okungekho mthethweni kuwe. Ubungakanani busebenza ngaphezu kweyayiphi na enye ithorensi . Ngokomzekelo, ukuba isichotho somonakalo kwisithuthi somthengi siqinisekisiwe ngokubonelela ngokubanzi okunikezelwa ngumgaqo-nkqubo womthengi womntu, ukukhutshwa komthengi ngokubanzi kuza kusebenza kuqala. Ukuba umthengi akanakho ukunika ingxelo ngokubanzi, i-coverage yakho eyongezelelweyo iya kuhlawula ilahleko.
Qaphela ukuba ukukhawuleza okugqithiseleyo kusebenza kwisiseko sesekondari kuphela ukuba awuvumelekanga ngokusemthethweni ukulahleka. Ukuba unesibophezelo ngokusemthethweni ukulahlekelwa ngumthengi ngemoto, ukugqithiswa kusebenza ngokusisiseko.
Imida kunye neeDeductibles
Umda usebenza kwiiNkcazo eziPhezulu okanye ezicacileyo zokuLawulwa kweMali. Umda ngowona mkhushurensi uza kuhlawula ilahleko kwisiphi na isiganeko kubo bonke abathengi ngee-autos kwindawo enye.
Iinkcukacha ezipheleleyo okanye ezicacileyo ze-Loss coverage zingabandakanya i-deductible eyenziwa kwisithuthi ngasinye somthengi. Ingabandakanya kwakhona "isiganeko ngasinye" esicatshulwa (ubuninzi obuya kuncitshiswa kuzo zonke ilahleko kwisinye isiganeko). Ukutshatyalaliswa komonakalo kusetyenziswa kwisithuthi ngasinye.
Ezingabikho
Iimbopheleleko zokugcinwa kwegaraji eziqhelekileyo azibandakanyi ukulahleka okubangelwa yiyiphi na elandelayo:
- IMfazwe
- Ubusela ngawe okanye abasebenzi bakho
- Iimbopheleleko zithathwa phantsi kwesivumelwano
- Izixhobo ezinokukhubazeka okanye izinto
- Umsebenzi ongekho
- I-Tape, i-CD abadlali njl. Abafaki ngokusisigxina kwisithuthi
- I-Radar detectors