Ukukhwabanisa kwenzeka kuzo zonke iintlobo ze-inshorensi, kodwa ezinye iindlela zithinteka ngaphezu kwabanye. Iinkonzo ezimbini zorhwebo ezixhomekeke ekukhwabaniseni ziyimbuyekezo yezabasebenzi kunye ne-inshurensi yomshishino.
Yintoni Inkohlakalo Yomshuwalense?
Ixesha le- inshorensi yobuqhetseba lithetha isenzo sokuzikhethela esenziwa ngumntu ukufumana inzuzo engenakufumana yona. Ubuqhetseba lunokwenziwa ngumntu obandakanyekayo kwingxelo ye-inshurensi. Oku kubandakanye nabanikazi beemigaqo-nkqubo, ababangozicelo, amagqwetha, ababoneleli bezempilo, ii-agents okanye abadayisi kunye nabatshutshisi.
Unzima Ngokuchasene Nobuqhetseba obunobunzima
Inkohlakalo yomshuwalense ingahlula kwiindidi ezibini. Ubuqhetseba obunzima buba khona xa umntu efaka ingozi okanye ilahleko. Ngokomzekelo, umnini-shishini uqhube ngamabomu iloli elinenkampani ephuma kwintlambo. Emva koko ufeze umonakalo owenziwe emzimbeni , uxelele umgcini-mali wakhe ukuba iloli iqhutywe ngephupho ngengozi.
Ubuqhophololo obushushu buquka ukunyaniseka kwesibango esisemthethweni. Ngokomzekelo, umnini-mali we-accounting ufumanisa ukuba isela liye laphuka kwiofisi yakhe kwaye labiwa izinto eziliqela. Xa umnini-shishini ubhawula ilahleko kwi-inshurensi yepropati yakhe , uthetha ixabiso lepropati ebiweyo ukuze aqokelele ukuhlawulwa kwebango elikhulu.
Awukho ulwaphulo-mthetho olungenzi Nkohlakalo
Abaninzi abenzi banobuqhophololo bomshuwalense baphikisana ukuba ulwaphulo-mthetho lwabo alukho na maxhoba. Oku akunjalo. Abatshutshisi bahlawula iindleko zobuqhetseba ngokuhlawula amashishini kunye namaziko karhulumente ephakamileyo amanqanaba e- inshorensi . Amashishini amashishini adlulisa ezi ndleko kumakhasimende abo. Amashishini karhulumente athenge i-inshurensi adlulisele iindleko ezongezelelweyo kubarhafi berhafu.
Ukulwa neNkohliso
Kuzo zonke iindawo, ubuqhophololo bomshuwalense bubalwa njengoluphulo-mthetho. Ngaphezu koko, ezininzi iindawo zenze i-fraud bureau eyingxenye yesebe yomshuwalense karhulumente. Nangona imisebenzi yabo ihlukahluka, amaninzi amaziko enkonzo yobuqhetseba abanoxanduva lokuphanda inkohlakalo yomshuwalense nokutshutshisa abaphulaphuli.
Amanye amazwe athe amisela umthetho ofuna abaqinisekisi ukuba baqulunqe isicwangciso sobuqhetseba. Kule mihlaba, i-insurers inyanzelekile ukudala iinkqubo ezibhaliweyo zokuchonga nokuphendula ukukhwabanisa. Abatshutshisi banokufunwa ukuba bafake ingxelo yonyaka ngushwankathelo lwezenzo abazithathele ukukhusela nokulwa nobuqhetseba.
Nangona abafunyanwanga ukuba benze njalo ngomthetho, abaninzi abaqinisekisayo baye bamisela iinkqubo zokujongana nobuqhetseba. Olunye ulwaphulo lokukhwabanisa ngokuthatha inxaxheba kwimibutho yokulwa nobuqhetseba ezifana ne-National Insurance Crime Bureau okanye i-Coalition Against Against Insurance.
Iindidi eziqhelekileyo zeZenzo ezikhohlisayo
Nazi ezinye iintlobo zobuqhetseba eziqhelekileyo kwipropati yoshishino / inshorensi yecala:
- AbaPhathi okanye abaRhwebi Abangenayo i-agents okanye abadayisi banokukhupha imigaqo-nkqubo yokukhohlisa ngenjongo yokuqokelela ama-premium. Ngaphandle koko, bangayifaka iiprayimari ezihlawulwe kwimigaqo-nkqubo esemthethweni. Olunye ulwahlulo oluqhelekileyo luquka imigaqo-nkqubo yokubambisa kunye neenkcazo ezifunwa ngabanini-mithetho abangafuniyo okanye bafuna ukuze bangene i-premium (kunye nekhomishini ye-ejenti). Abanye abameli abangenangqiqo banikezela ukukhawulwa kwabadlali kumashishini atshintshiselwano ngokuthenga umgaqo-nkqubo.
- I-inshurensi yomshuwalense Ezinye iintlobo zobuqhetseba zomshuwalense wenzalo zenziwa ngamacandelwanga olwaphulo-mthetho Imizekelo yindlela yokwenza i-carloning "kunye neentengiso" ezithengisa ii-autos ezibiwe. Ezinye izenzo zobuqhetseba, ezifana neengqungquthela zeloli kunye neengozi zemoto eziqhutywe, zenziwa ngamaqela amancinci omasela . Imisebenzi yokukhwabanisa inokuthi iqhutywe ngabanini bemigaqo-nkqubo. Ngokomzekelo, umnini-shishini uthenge umgaqo-nkqubo wokuthengisa umbane ukuqinisekisa i-lori engekhoyo. Kwiinyanga ezimbalwa kamva ufake ibango phantsi kwengxelo yakhe ebanzi, echaza ukuba isithuthi sebiwe. Ukukhwabanisa ngokuzenzekelayo kuye kwaba yinkalo ethile kwiimeko ezingenayo imithetho ye-auto-fault. Liye laqhuba iindleko ze-inshurensi kulawo mazwe.
- Abasebenzi beMbuyekezo yoBonelelo bangenza ubuqhetseba ngokufaka izicelo zamatyala okanye ukulimala abaye bawuyeka emsebenzini. Abanye abasebenzi baxubisa ubungakanani bentsholongwane yabo ukuze baqokelele iintlawulo zokukhubazeka. Abaqeshi banokwenza ubuqhetseba ngokugqithisa ukuhlawulwa kwemirhumo okanye ngokunika ngamabomu abasebenzi ukuba bahlule . Abaqeshi bangaphinda bawacwangcise ngamabomu abasebenzi njengontrakontrali ezizimeleyo .
- Inkohlakalo yomshuwalense wePropati yePropati ngokuqhelekileyo ibandakanya inkunzi (ukutshabalalisa nokutshatyalaliswa kwepropati) okanye amabango angeniswe ngokubaluleka kwempahla. Kwakhona izibango zokuba zibandakanya ipropati engekhoyo.
- Intsholongwane yeNtlawulo Ininzi Iimangalo zamatyala ezinxulumene nobuqhetseba zibandakanya izingozi ezitshatyalaliswayo . Ngaphandle koko, ummangali angaphakamisa ukwanda kwenzakalo ayenayo kwisiganeko sangempela-shwala. Olunye uhlobo lwesigameko yi-claim faked product responsibility . Ummangali uthi iprojekthi yomnini-nkqubo ingasebenzi kwaye ibangela ukulimala. Ukulimala mhlawumbi akukho nto okanye kubangelwa ngenye into.
- Abatshutshisi Inkqubo yobuqhetseba yomshuwalense inokuthi iqhutywe ngabasebenzi benkampani yomshuwalense Umqeshwa angaphinda ahlawule imali ngokukhupha isheke lobuxoki okanye ukutshintsha isheke esisebenzayo aze afake imali kwiakhawunti yakhe. Ngaphandle koko, umqeshwa angabandakanyeka ekukhuseleni. Unokubamba ukuhlola ukuba i-inshurensi ifunyenwe kodwa ingakangena kwinkqubo yayo yokuphendula.