AbaNcedisi kunye nabaqhubi abangaphantsi
I-inshorensi yemfanelo ye-Auto iyinyanzeliso kumazwe amaninzi. Nangona kunjalo, malunga ne-12,6% yabatshayeli bezithuthi abaxhaswanga ngokungqinelana neBhunga loPhando lwe-Inshorensi . Ngaloo ndlela, ukuba unobungozi kwingozi yemoto apho omnye umqhubi enoxanduva, kukho enye ithuba lesibhozo ukuba umqhubi angeke abe ne-inshorensi.
Xa umqhubi we-fault-case engagqitywanga, uya kufuneka ukuba uthembele kwi-inshurensi yakho okanye ezinye izibonelelo zemali ukuhlawula iibhilikhwe zakho zonyango. Ukubambiswa kweemoto kumntu ongeyuncedwanga kwenzelwe ukulungisa le ngxaki.
Imida efunekayo yimithetho yomshuwalense yinyanzeliso ngokuqhelekileyo iphantsi kakhulu. Ngokomzekelo, amanye amazwe afuna kuphela i-$ 15,000 ngomntu ngamnye kunye ne-30,000 yeengozi yengozi yokulimala komzimba, kunye ne-$ 5,000 yomonakalo wepropati (okanye i-$ 35,000 umda owodwa). Ukuba ukalimele engozini yemoto kwaye umqhubi we-fault-off uthenge imida emincinci efunekayo, loo mida ingenakwanela ukuhlawula iindleko zonyango. Unokuthi unamathele ukuhlawula ezinye zeendleko. Le ngxaki iyakwazi ukujongana nomgca wokhuseleko lomqhubi .
Umqhubi wemoto engaxhaswanga (UM) ukhuseleko lwenkampani yakho ngokubhekiselele kwiingozi zengozi ezibangelwa ngabaqhubi abangenayo i-inshorensi yemfanelo. Umqhubi womqhubi ophantsi (UIM) usebenza xa umqhubi we-fault-case ene-inshurensi, kodwa umda awunelungelo lokufihla ilahleko zakho.
I-cover ye-UIM ayifumaneki kuwo onke amazwe.
Imithetho iVary by State
Imithetho ye-UM ne-UIM iyahluka ukusuka kummandla ukuya kwilizwe. Kwamanye amazwe, ezi ngxelo ziyimfuneko. Ezinye iimeko zivumela ukuba uzilahle ngokubhaliweyo. Amanye amazwe afuna i-insurer yakho ukukunika umlinganiselo we-UM / UIM olinganayo nomda wakho wemfanelo. Ngokomzekelo, ukuba imithwalo yakho yemali i-$ 1 yezigidi, i-insurer yakho inyanzelekile ukuba ikunikeze umyinge we-$ 1 yezigidi ze-UM / UIM.
Unako ukhetho lokugatya loo mda kwaye ukhethe ophantsi, okanye ukulahla ngokupheleleyo i-UM / UIM. Kwiinkoliso ezininzi umda wakho we-UM / UIM awukwazi ukudlulela umda we-auto responsibility.
ISigcino se-UM singenakongezwa kumgaqo-nkqubo wentengiso ngokuvuma . Lapho i-UIM ikhona khona, idlalwa ngokubambisana ne-UM. Urhulumente ngamnye uvelise ukugunyazwa kwe-UM / UIM. Ezi mvume zinyatheliswa yi- ISO .
Umyinge Oyingqayizivele
Iimpawu ze-UM ne-UIM zihlukile. Zomabini iziganeko zokuhlawula ezihlawulela umonakalo kumntu okhuseleyo kunokuba ube ngumntu wesithathu. I-inshuwalense ye-UM ibandakanya inani eliqinisekisiwe ngokusemthethweni lokufumana umonakalo ovela kumnini okanye umqhubi wesithuthi esingenakususwa. Oko kukuthi, ihlanganisa umonakalo weqela elijongene nalo (okanye umgcini-mali wakhe) uza kuhlawula ukuba uthenge i-inshorensi yemboleko yemoto.
I-inshuwalense ye-UM yayilungiselelwe ukukhusela ukulimala komzimba kuphela. Ezinye iindibano ziye zongezelela ukuba zikhusele umonakalo wepropathi . Umda owenzelwe ukukhutshwa kwe-UMPD ngokubanzi uphantsi, njenge-$ 3500. Ngokuqhelekileyo, i-UMPD ayisebenzisi nasiphi na isithuthi esiqinisekisiwe ukudibana.
Imida ekhoyo
Ngaphezulu kwehafu yesizwe e-US vumela umda we-UM ukuba utyathwe. Ukufakwa kwesitampu kusebenza xa iinqwelo ezininzi ziqinisekisiwe kwi-UM okanye i-UIM.
Xa imida emiselweyo ivumelekile, unokudibanisa imida ye-UM / UIM yazo zonke i-autos ezigqutywe phantsi kwe-UM / UIM. Unokufaka umda wokudibanisa nomlinganiselo owodwa.
Ngokomzekelo, ukuba unayo i-autos ezimbini, nganye efunyenwe kwi-UM kwi-300,000 yeemali ezihlanganisiweyo. Xa uqhuba enye ye-autos, ulimaze ngengozi ebangelwa ngumqhubi ongaxhaswanga. Umda we-UM ofumaneka kuwe uza kuba ngu-600,000.
Amanye amazwe avumelekile ukuba aqokelele kuphela xa izithuthi ezininzi zithengiswa phantsi kwemigaqo ehlukeneyo. Abanye baye bavumela ukugcinwa kwempahla xa izithuthi ziqinisekisiwe phantsi komgaqo ofanayo. Ezinye zivumela i-insurers ukuba ingabandakanyi ukugxina phantsi kwemigaqo-nkqubo yazo.
Ngubani Ofihliweyo?
I-UM yinkcazo yokuzimela ngokuzenzekelayo engayongezwa kumgaqo-nkqubo wentengiso. Icandelo elithi "ngubani okhuselekileyo" candelo libandakanya wena ( ogama li-insured ) kunye naliphi na ilungu lentsapho elihlala kuyo.
Ngaphandle kokuba i-shishini lakho liwodwa, ukubhekisela kwi "entsapho amalungu" akuyi kusebenza. Ukuba ungumnini webhizinisi lakho njengomntu ngamnye, wena kunye namalungu entsapho nifaka i-insureds ngelixa uqhuba okanye uhlala kwi-auto car, nangona bahamba ngeenyawo.
Kwakhona kubanjwe njengesiqinisekiso okanye nayiphi na indawo yokuhlala, kwaye nabani na abanelungelo lokufumana umonakalo egameni le-insured. Ngokomzekelo, khangela ukuba umgibeli weemoto ezigubungelekileyo ubulawa ngengozi ebangelwa ngumqhubi ongaxhaswanga. Iqabane lomfikazi lingenelungelo lokumonakalisa phantsi kwengxelo yomsebenzi we-UM egameni lomfi.
Abasebenzi beNkxaso yoMbuyekezo
Abaqeshwa bafaneleke njenge-insureds ngaphantsi kwemvume ye-UM ukuba ngaba bahlala kwii-autos. Nangona kunjalo, iimvume ezininzi ze-UM zibandakanya nayiphi na ilahleko apho i-insured inelungelo lokufumana intlawulo phantsi komthetho wokuhlawulela abasebenzi .
Ngokomzekelo, cinga ukuba umqeshwa wakho uqhuba umbane xa ejongene nomlenze ophukileyo kwingozi eyenziwa ngumqhubi ongaxhaswanga. Ukulimala kwenzeka kumsebenzi, ngoko ke umqeshwa ufumana inzuzo phantsi komgaqo-nkqubo wokuhlawula abasebenzi . Nawuphi na umonakalo umqeshwa ofumana phantsi kwe-couverture ye-UM kuya kuba ngaphezu koko, kwaye akayi kuphinda ahlaziye, abo baxhamli beembuyekezo zokuncedisa . Nangona kunjalo, i-UM iyakubandakanya ukulimala okungenakho ukuhlawulwa phantsi komgaqo we-WC. Umzekelo intlungu nentlungu.
Ngaba ishishini lifuna i-UM Coverage?
Kukho iinkalo ezininzi ekufuneka uziqwalasele xa usenza isigqibo sokuba uthenge i-UM / UIM ishicilelo kwishishini lakho. Enye i indleko. I- arhente yakho okanye umthengisi unokufumana izicaphulo zemida eyahlukeneyo. Enye into ebalulekileyo kukuba ufumane i-inshorensi, ngaphandle kwe-UM, ukukhawuleza ukulimala okwenyama okanye umonakalo wepropathi ophumela kwiingozi zengozi ezibangelwa ngabaqhubi abangaqinisekanga. Eminye imvelaphi enokubakho yokubhalwa kwendawo ibhalwe apha ngezantsi. I-arhente yakho inokukunceda ukuba ugqibe ukuba ngaba kufuneka uthenge i-UM / UIM okanye uxhomekeke kwenye i-inshurensi ukuhlawula ilahleko.
- Ukuhlawulelwa kwabasebenzi
- Iinshurensi yepropati yoshishino
- Ukukhutshwa komonakalo ngokomzimba
- Ukuhlawulwa kweentlawulo zonyango
- Inshorensi yonyango
- Yomshuwalense yengozi
- I-self-inshurensi
- Cash reserves
- Isibonelelo somqeshwa we-UM
- Ukhuseleko lwakho lwe-UM