Gwema ezi mpazamo ezili-10 Xa ufaka izimangalo zomshuwalense!

by Marianne Bonner

Njengamaninzi amashishini amancinci, unokwenza iimpazamo xa ufaka izimangalo zomshuwalense. Ezi mpazamo zilula ukwenza kodwa zinokuba nemiphumo emibi, kubandakanywa ukuhlawula okulibazisekile okanye okanye ukukhanyela ibango. Nazi ezilishumi iimpazamo eziqhelekileyo ezenziwe ngabanini-shishini kunye namanyathelo onokuzithatha ukuze uziphephe.

01 - Ukungaphumeleli Ukwazisa i-Inshurensi yakho ngokukhawuleza

Enye impazamo eqhelekileyo ayikwazi ukuqhagamshelana ne-inshurensi yakho ngaphandle kwengozi okanye ukulahlekelwa okungafunyanwa ngumgaqo-nkqubo wakho. Musa ukulibazisa! Biza umnini-mali wakho msinya . Oku kubalulekile ngezizathu ezibini. Okokuqala, amabango alula ukulungiswa xa iziganeko zenzekile kwaye ubungqina busha. Ubungqina bobuqu kunye neememangaliso zamangqina ziphelelwa ixesha.

Okwesibini, isaziso esifike ngexesha liyimeko yokubhengezwa kwininzi ye- inshorensi yamashishini . Imigaqo-nkqubo yepropati yezoshishino idinga isaziso esiphuthumayo nayiphina ilahleko okanye umonakalo. Imigaqo-nkqubo eninzi yemfanelo kunye ne- umbrella ifuna ukuba uxelele i-inshurensi ngokukhawuleza xa kunokwenzeka xa kwenzeka isiganeko, icala, ibango, okanye i-suit. Ukuba ungaphumeleli ukubika ilahleko okanye ibango ngexesha elithile elifanelekileyo, umshwalima wakho unokungafuni ukuhlawulwa.

Ukuba ukhetha, ungabika ilahleko okanye ibango kwintengiso ye-inshurensi okanye umthengisi . Ezi zilandelayo ziza kudlulisela ulwazi kwi-insurer yakho egameni lakho. I-arhente yakho okanye umthengisi uya kufumana amafomu amabango kwaye akuncede uwagqibe.

02 - Uxwebhu olubi

Ukugcinwa kwerekhoda engafanelekanga kwinqanaba lakho kunokulibazisa ukubuyiswa kwakho kwebango. Bhala yonke into enxibelelwano enayo kunye ne-inshurensi malunga nebango lakho. Rekhoda ixesha, umhla, kunye nomxholo wengxoxo nganye yomlomo. Gcina onke amaxwebhu kwifayile eyahlukileyo ukuze ufikelele ngokukhawuleza. Ukuba uthumela amaxwebhu emaphepha kwi-insurer yakho, gcina ikopi nganye kwifayile yakho. Qinisekisa ukurekhoda umhla othunyelwe ngawo amaxwebhu. Ukuba uthetha ngommeli weemangalo okanye omnye umqeshwa wenkampani yomshuwalense kwifowuni, thumela loo mntu isishwankathelo incoko kwincwadi okanye nge-imeyile.

Xa kwenzeka ingozi okanye ilahleko, cwangcisa umbala ngekhamera ukuba unokwenza ngokukhuselekileyo. Thatha iifoto zakho zakhiwo. Hambisa imifanekiso kwi-insurer yakho xa ufaka ibango lakho. Iifoto zinokukunceda uqinisekise ingcaciso yakho ebhaliweyo yeziganeko kunye nepropati ewonakalisiweyo.

03 - Ukungaphumeleli Ukusebenzisana Ne-Insurer yakho

Unokulibazisa inkokhelo yakho yebango xa ungasebenzisani kunye ne-insurer yakho. I-insurer yakho idinga intsebenziswano yokulungisa ibango lakho ngokufanelekileyo nangempumelelo. Ukuba uyaphula ukuthobela izicelo ze-inshurensi yolwazi olunxulumene nebango lakho, izenzo zakho zinokunika i-insurer isizathu sokukhanyela ukukhutshwa.

Abaninzi batshorensi bafaka imiyalelo ebhaliweyo kwimigaqo- nkqubo malunga neenkqubo omele zilandele ukuba kwenzeka ingozi okanye ilahleko. Gcina le miyalelo ngepolisi yakho ukuze uhlaziye phambi kokufaka ibango.

Kufuneka ujwayelane neemeko zokulahlekelwa kwipolisi yakho. Ezi zibophelelo omele uzifezekise phantsi kwenkontileka ye- inshurensi ukufumana intlawulo yebango okanye ukulahleka. Imigaqo-nkqubo emininzi ichaza ukuba kufuneka usebenzisane ne-inshurensi ekuphenyweni okanye ekuhlaleni ibango. Imigaqo- mfanelo ifuna ukuba usebenzisane ekukhuseleni kwakho .

04 - Ukungaphumeleli Ukugcina iiNdawo eziMonakalo

Ukuba ipropati kwindawo yakho okanye kwindawo yomsebenzi ibonakaliswe ngumlilo okanye enye ingozi, unokuhendwa ukuba uyilahle. Musa ukwenza! Mshiye loo propati njengoko kufike i-adjuster. Ngaphandle koko, unokutshabalalisa ubungqina obuxabisekileyo bokulahlekelwa.

Qaphela ukuba ukuba ipropati ekhutshwe phantsi kwipropati yorhwebo okanye i-inshurensi yomonakalo yemoto yonakaliswe, unyanzelekile ukukhusela loo propati ukuba ingabikho komonakalo. Ngokomzekelo, cinga ukuba isivunguvungu siphepha umgodi ophahleni lwesakhiwo esinezo. Uya kufuneka ukukhusela uphahla olungakumbi umonakalo ngemvula okanye ezinye izingozi ngokugubungela umgodi nge-tarp okanye izinto ezifanayo.

05 - Ungabizi iiPolisa

Kwezinye iimeko, unokuphulaphula imigaqo yomgaqo-nkqubo yakho ukuba unganqabile ukubiza amapolisa. Uninzi lwemigaqo-nkqubo yepropati inyanzelekile ukuba uqhagamshelane namapolisa ukuba umthetho uphukileyo. Ngokomzekelo, ukutshabalalisa ngokuqhelekileyo kungavunyelwe ngumthetho, ngoko kufuneka ufowunele amapolisa ngaphambi kokuba ufake isicelo sokuphahlazeka . Umgaqo-nkqubo we- Business Auto uthi kufuneka ubize amapolisa ukuba i-auto ekhuselekileyo okanye naziphi na izixhobo zayo sele zibiwe.

Kufanele ufowunele amapolisa emva kwengozi yemoto nangona ungafuneki ukwenza njalo phantsi komgaqo-nkqubo. Umthetho wesizwe unokukunyanzela ukuba uxelele amapolisa ukuba umntu owenzakele okanye obulawe, okanye ukuba ingozi ibangele umonakalo wepropati ogqithisileyo. Ingxelo yamapolisa inokukunceda wena kunye ne-insurer yakho kuba iqinisekisa ubungqina obuphathelele kwengozi okanye ukulahleka. Ingxelo inokukunceda ukukhawulezisa ukuhlaliswa kwebango lakho.

06 - Ukuhlawulwa kweebango zamathathu kwi-Pocket

Ukuba kwenzeka ingozi apho umntu wesithathu uncedisa ukulimala komzimba okanye umonakalo wepropati , unokulingwa ukuhlawula loo mntu ngaphandle kwefokethi yenkampani yakho kunokufakela ibango le-inshurensi. Le ngcamango embi ngezizathu ezininzi.

Okokuqala, ukulimala okubonakala ngathi mncinci ngexesha lengozi kunokuba nzima. Ngokufanayo, ukulimala okungenako kubonakala kwangangoko. Umntu onesithuthi esilonakaliswe ngokubethelwa kwemoto unokuhlakulela i-whiplash iintsuku ezimbalwa emva kwengozi.

Okwesibini, uvinjelwe phantsi kweemfanelo zakho kunye nemigaqo-nkqubo yemoto ngokuzikhethela ukwenza nayiphi na intlawulo, ucinga nayiphi na imbopheleleko, okanye wenze nayiphi na indleko ngaphandle kwemvume yakho yomshuwalense. Ukuba wenza inkokhelo kumntu oza kufaka iifowuni okanye i-suit yakho malunga nawe, umshwalense wakho angaphika ukukhutshwa kwebango ngenxa yokuba uphula umgaqo-nkqubo.

Cinga kabini ngaphambi kokuba wenze i-pay-pay pocket for your injury to your workers. Njengoko kuphawuliwe kwangaphambili, ukulimala okubonakala ngathi kuncinci kunokuba zikhulu. Bangakwazi kwakhona ukuvelisa izigwebo malunga nenkampani yakho.

07 - Awuyi kubuza i-Calculator yakho

Uninzi lwepropati kunye namabango omonakalo emzimbeni ahlaziywe ngokusekelwe kubhaliso lwe-inshurensi yexabiso lepropati ewonakalisiweyo. Ii-autos ezimazi zivame ukuxabiswa ngokusekelwe kwixabiso langempela lemali (ACV). Ipropati yokurhweba esonakalisiweyo ingahlawulwa ngokwexabiso langempela lemali okanye ixabiso layo lokubuyisela.

Kungakhathaliseki ukuba ipropati yakho eyonakalisiweyo ixabiseke kangakanani, kufuneka ufumane ukuqikelelwa kwangempela kweendleko zokulungisa okanye ukuyibuyisela. Ungacingi ukuba uqikelelo lwakho lwe-insurer kulezi ndleko lichanekile. Iindleko zokulungisa nezokutshintsha ziyahluka ngokubanzi ukusuka kwindawo ukuya kwindawo. Iindleko zokwakha eManhattan ziphezulu kakhulu kunezo e-Omaha.

Ukuba ubunzima bepropati yakho bunzima ukuvavanya, cinga ukuqesha umlungiseleli woluntu ukukunceda. Umququzeleli woluntu onolwazi uya kubala iindleko zakho zokulungisa okanye ukubuyisela kwakho kwaye akukhokele kwinkqubo yamabango. Lo mntu uya kuxoxisana ne-insurer ye-adjuster egameni lakho ukuze athole indawo yokuhlala.

08 - Ukuvuma kwakho Kwakungenakwenzeka

Xa kwenzeka ingozi apho omnye umntu akalimele okanye ipropati yakhe yonakaliswe, musa ukuvuma uxanduva. Kukho izizathu ezininzi zezi. Enye into, imbangela yengozi ingahluka kwizinto ozicingayo. Ingozi ingabandakanyeka izinto ezingabonakali xa kwenzeka isiganeko.

Okwesibini, ilungu elenzakalisiweyo lingafaka ifowuni yakho. Ukwamkela uxanduva lwakho kunokubangela ukuba inkokhelo yakho yomshuwalense ikwazi ukukukhusela kumabango.

Okwesithathu, imigaqo-mboleko yemithetho inqabela abaphathi-nkqubo ukuba bangabikho nayiphi na imbopheleleko ngaphandle kwemvume yomshuwalense. Ukwamkelwa kwephulo kungabangela ukuphulwa kwekontirensi yomshuwalense, leyo ingaba yimbangela yokuba umgcini-mali afune ukukhanyela ukukhutshwa kwebango.

09 - Ukungaphumeleli Ukulandela I-Adjuster

Emva kokuba ufake ibango, unokuhlala phantsi, ukhulule, ulinde ukuhlawulwa kwe-insurer yakho, kunene? Impendulo ayikho! Musa ukusilahla ibango lakho. Ukuba iiveki ezininzi zihamba kwaye awuzange uzive kwi-adjuster, landela nge-imeyili okanye umnxeba. Cela ingxelo yenkqubela.

10 - Ukungaphumeleli ukufunda iPolisi yakho

Bambalwa abanikazi bezoshishino abanandipha ukufunda iikontraki zonthorensi Sekunjalo, ukufunda umgaqo wakho kubalulekile njengoko ufuna ukuyiqonda into eyenzayo kwaye ayikufihla. Funda umgaqo wakho ngokukhawuleza xa uyifumana kwi-insurer yakho. Ukuba unenkathazo yokuqonda amagama, cela i- arhente yakho okanye umthengisi uncedo. Hlola kwakhona umgaqo-nkqubo wakho ngaphambi kokuba ufake ifowuni. Qinisekisa ukuba uyayiqonda imisebenzi onyanzelekile ukuzalisekisa ukufumana intlawulo yelahleko.