Yayiyingozi kuphela!
UFred Ferguson usanda kugqiba incoko yefowuni kunye ne- inshurensi ye- inshurensi kwaye akayivuyo. UFred ungumnikazi weFerguson Flowers, ivenkile yevenkile yokuthengisa.
I-van yakhe esebenzayo yokukhupha iintyatyambo yonakaliswe engozini iveki eveki. Umqeshwa kaFred wayebuyela esitolo emva kokuba enze i-delivery xa ebetha iqhosha leqhwa elimnyama. Umqhubi walahlekelwa ukulawulwa kweloli kwaye i-van yahlutha emthini. Ngethamsanqa, lo msebenzi akazange akonakaliswe.
UFred uqinisekise i-van ngaphantsi komgaqo-nkqubo oqhelekileyo wezopolitiko . Uye wathengwa zombini uhlahlo olubanzi kunye nokudibanisa. I-van yayinomonakalo omncinci kuphela (kwimbono kaFred nanoma kunjalo), kodwa i-inshurensi ibhengeze ilahleko epheleleyo. UFred uyacaphukisa oku njengoko ekholelwa ukuba i-van ingalungiswa. Akanelisekanga nokubala kwe-insurer yexabiso lexabiso lemali. Ngokwe-insurer yakhe, i-van kaFred ixabisa ngaphantsi kwesiqingatha semali awayehlawulela kuyo kwiminyaka embalwa edlulileyo!
Izinketho zeNkxaso-mali ye-Insurer
Icandelo leemeko zomgaqo-nkqubo wokuthengisa umgaqo-nkqubo worhwebo uvumela i-inshurensi ukuba ikhetho elithile xa uphendula umonakalo wokulahlekelwa ngumzimba.
Umshuwalense angakhetha ukulungisa okanye ukutshintsha isithuthi esonakalisiweyo okanye eselebiwe . Ngenye indlela, inokuthatha yonke into okanye nayiphi na inxalenye yemoto eyonakalisiweyo njenge-salvage kwixabiso eliye laxubusha kunye nomnini-mgaqo-nkqubo okanye ichongiwe yi-appraisal.
Ukuba isithuthi sele sebiwe, umkhushurensi unokulungisa nayiphi na umonakalo oye wawuxhasa waza wabuyisela kumnini-nkqubo.
Ukuba i-inshurensi ichaza ukuba isithuthi ilahlekelwe ngokupheleleyo, iya kubala inani lexabiso lemali. Ukubalwa kwe-inshurensi kuya kubandakanya ukuhlengahlengiswa kokunciphisa kunye nemeko yomzimba.
Ixesha leNqwelo leMali eLahlekileyo?
Ngokuqhelekileyo, isithuthi sithathwa njengelahleko epheleleyo xa iindleko zokuyilungisa idlula ixabiso layo lenkokhelo. Abatshutshisi baqwalasela izinto ezahlukeneyo xa bebala ixabiso lezithuthi. Ezi ziquka:
- Ubudala
- Isimo
- Ukufunda i-Odometer
- Izixhobo kunye neempawu
- Ukunciphisa ngexabiso
- Kuyafaneleka kwimarike yendawo yemoto
Umshurensi ufanisa ukulungiswa kwemoto kwixabiso layo lenkokhelo ngokwahlula okokuqala ngaphambili. Isiphumo sibizwa ngokuba ngumyinge wokulahlekelwa kwemali kwaye siboniswe njengepesenti. Ngokomzekelo, cinga ukuba isithuthi siya kubiza i-$ 8,000 ukulungiswa kwaye i-ACV i-$ 10,000. Ilahleko elipheleleyo lokulahlekelwa kwesithuthi li-80 ekhulwini (8,000 / 10,000). Xa umyinge ufikelela kwipesenti ethile, umgcini-mali uya kuthi "iyonke" imoto.
Kwamanye amazwe, i-loss loss threshold imiswe ngumthetho. Ipesenti esemthethweni ngokubanzi phakathi kwe-60% kunye ne-100%, kunye ne-75% yinto eqhelekileyo. Kwimihlaba apho umyinge umiselwe ngumthetho, umgcini-mali awukwazi ukuvakalisa ilahleko ukulahlekelwa ngokupheleleyo ngaphandle kokuba umyinge onqunywe nguRhulumente ufikelele.
Amanye amazwe avumela i-inshurensi nganye ukuba iqinisekise ukuba ilahleko layo liphela.
Xa isithuthi sithe satshatyalaliswa ngokupheleleyo, i-inshurensi igqiba ifom kwaye iyithumela kwigunya lolawulo lweelayisenisi. Ifomu iyazisa igunya lokuba isithuthi siphelelwe. Isithuthi esipheleleyo asikwazi ukuqhutyelwa kwimeko yaso yangoku.
Iimoto Zanamhlanje Ziyindleko Ukulungisa
Iimoto zanamhlanje zinokuthi zizaliswe ngaphezu kwezithuthi ezidala. Oku kungenxa yokuba izithuthi zanamhlanje ziyinkimbinkimbi, kwaye inkathazo yazo yenza ukuba kubize ukulungiswa. Imininzi yemisebenzi yabo yangaphakathi ikhompyutha. Ukuba inxalenye yenkqubo inobungozi kwingozi, umonakalo unokuba nzima ukuwufumanisa nokulungisa.
Ngamhla, izitoro zokulungisa izithuthi zifuna izixhobo eziyinkimbinkimbi ezibiza kakhulu ukuthenga kunye nezindleko zokugcina. Iimpawu zifuna ukuqeqeshwa okubanzi ukwenza imisebenzi eyisiseko.
Iindleko zezixhobo kunye noqeqesho ziyahanjiswa kubathengi.
Enye into echaphazela iindleko zokulungisa zixhobo ezisuka kuzo iimoto zanamhlanje. Ezi zinto zilula kakhulu ukwenzela ukuba iimoto zisebenzise amafutha angaphantsi. Izinto ezicwangcisekileyo zikhusela abagibeli ngokunyuka komonakalo. Sekunjalo, ezi zinto zinokuba nzima, ukuba akunakwenzeka, ukulungisa. Amagqabi kwipaneli enqabileyo ayikwazi ukuxutywa njengaleyo kwiimoto ezindala. Endaweni yoko, ipaneli yonke kufuneka ithathe indawo. Iindleko zongeza ngokukhawuleza iimoto ezininzi "zizaliswe" kunokuba zilungiswe.
Salvage Vehicle
Isithuthi esiye savakaliswa ukulahleka ngokuqhelekileyo sinokuxabiseka kwe-salvage. Umshurensi uvame ukuhlawula umnikazi wezithuthi xabiso lenkokhelo yemoto kwaye agcina imoto ewonakalisiweyo njenge-salvage. Umshuwalense kufuneka afumane isitifiketi salvage evela kurhulumente. Isatifikethi se-salvage sisebenza njengobungqina bokuba ngumnikazi wezomthetho, kwaye sitshintshela naziphi na izihloko ezidlulileyo kwisithuthi. Xa i-inshurensi isisitifiketi ngokuqhelekileyo ithengisa isithuthi kwi-auto salvage nkampani.
Kwamanye amazwe, unokugcina "isithuthi" esipheleleyo ngokuhlawula i-inshurensi inani le-salvage. Imoto ye-salvage ayikwazi ukuqhutyelwa ngaphandle kokuba ilungiswa kwaye ibhaliswe kwakhona njengemoto yokuvuselela i-salvage. Ukuze i-vehicle ibuye ibhalise kwakhona, kufuneka iphumelele ukuhlolwa ngokucokisekileyo ngumbutho wakho wokuhlola. Ukuba awuhlose ukuqhuba i-auto kodwa ufuna ukuyigcina iindawo, unokufumana isitifiketi sezithuthi ezingafunekiyo.