Xa uthengela umonakalo womonakalo womzimba unokukhetha ukugubungela zonke izithuthi oziphetheyo okanye i-subset yalezo zithuthi, ezifana nezithuthi zangasese ezihamba ngasese kuphela. Unokonyula ukonakaliswa komonakalo emzimbeni weemoto eziqashiweyo . Iimpawu zokuqeshiswa kweemoto eziboniswe kwiibhengezo zibonisa iintlobo zee-autos ezifakwe umonakalo ngokomzimba.
Ngaba kufuneka uthenge umonakalo owenziwe ngomonakalo? Impendulo ixhomekeke kwiminyaka, ubunani, kunye nemeko yezithuthi zakho kunye neendleko zempilo yomshuwalense yomonakalo. I- arhente yakho okanye umthengisi angakunceda ukuba wenze isigqibo sokuba umonakalo owenziwe ngumonakalo owenzela wena.
Izinketho zoLuntu
Umgaqo-nkqubo wenqwelo-mali uhlinzeka ngeendlela ezintathu zokwenza umonakalo owenziwe ngumzimba: Ukuqonda okupheleleyo, okucacileyo okubangelwa ukulahleka kunye nokudibanisa.
- Ubungakanani obupheleleyo bukhupha ukulahlekelwa kwintsimbi ekhuselekileyo kuyo nayiphi na isizathu ngaphandle kwesithuthi salo nenye into okanye isithuthi sigqityiwe. Umgangatho opheleleyo wenzelwe ukuhambelana noMyinge wokuBambisana. Ilahleko ezininzi ezingagqitywanga phantsi koBumbano ziya kuhlanganiswa phantsi koNyaka. Umzekelo ngumsela wokusela .
- Izizathu ezicacileyo zezizathu zokulahleka zibizwa ngeengozi ezifana nomlilo, umbane, ukuqhuma kunye nokusela . Le ngxelo ifumaneka kwii-autos zorhwebo (amaloli kunye nabakhweli) kuphela, kungekhona i-autos ye-passenger type. Enye indlela engabizi ukuya kwi-Comprehensive Coverage.
- Umyinge wokuBambisana ulahlekelwa yilahleko kwi-auto egxininisiweyo ebangelwa ukushayisana kwesithuthi kunye nenye into okanye ukugqithiswa kwesithuthi. "Into" apho i-auto collides ingaba yinye imoto okanye into ehleliweyo njengomthi.
Izinto eziwayo kunye nokuPhula kweGlasi
Ukulahleka okubangelwa yimikhosi ehamba ngeenqwelo okanye izinto eziwa phantsi zihlanganiswa nguMgangatho opheleleyo.
Kwakhona kugqitywa i-glassage breakage kunye nelahleko ezibangelwa ukungqubana nentaka okanye isilwanyana. Nayi imimiselo yelahleko eziza kuhlanganiswa nguMgangatho oPhezulu:
- Idwala liphuma entabeni kwaye liwela kwi-pickup yakho, ephakamileyo kufuphi. Igalelo lenza i-dent enkulu kwi-hood yeloli lakho.
- Iqhekeza eliphambili lepineli liwela kwi-windshield yesithuthi somntu wasesebenzi, esaqhekeza iglasi.
- Uqhuba iloli yenkampani xa iqhubu liphuma phambi kwakho. Ulahla kwiibhuleki zakho kodwa ungeke ukwazi ukuphepha ukuhamba ngokugqithisa. Igalelo lilimaza ngaphambili kweloli lakho.
Ukuba isithuthi sakho sithintela enye into (ngaphandle kwesilwanyana) kunye nokuphuka kweglasi, kwenzeka ukuba i-glassage breakage ikhutshwe phantsi koMgca woLungelelwano kunokuba kuPhakamileyo. Ngokomzekelo, cinga ukuba umqeshwa wakho uqhuba iloli yenkampani ngexesha lomlilo omkhulu. Izithuthi zendlela yokuhamba emanzini kwaye ziqhubela emthini. Isikhwama seloli sitshatyalaliswa kwaye i-front fender yayo yangakonakaliswa yonakaliswe.
Ngenxa yokuba ilahleko yokushayisana yenzeke, unokukhetha ukugubungela i-windshield ephukileyo phantsi kwe-Collision coverage. Bobabini i-windshield kunye nomonakalo we-fender ziya kuba phantsi komnye (ukudibanisa) okuchithwayo.
Ukuba ukhe unyuke ukugubungela i-glassage breakage phantsi koMgangatho oPhezulu, ii-deductibles ezimbini ziya kusebenza. Ukuphuka kweglasi kuya kuba phantsi kwe-Comprehensive deductible ngexesha i-fender imonakalo iya kuba phantsi koMbane wakho owenziweyo.
UkuHlahla nokuSebenza
Uninzi lwemigaqo-nkqubo yokuthengisa imveliso inika inani elincinci lokubhalwa kunye nokusebenza. Le ngxelo iyasebenza kwi-autos yohlobo lwabagibeli bangebucala kuphela. Umda (ngokuqhelekileyo u-$ 50 okanye i-$ 75) kufuneka ubhalwe kwiimpapasho.
Iindleko zezothutho kunye nokulahlekelwa kweSetyenziswa
Ukukhutshwa komonakalo komzimba kubandakanya izandiso ezimbini zokubhengezwa, iiNdleko zoThutho kunye nokulahlekelwa koTywala.
Ezingabikho
Ukukhutshwa komonakalo komzimba akusebenzi kwilahleko ebangelwa yiyiphi na elandelayo:
- Imfazwe kunye neengozi ezinxulumene nazo
- Umqhubi okanye imisebenzi ephosakeleyo
- Ukunciphisa ngexabiso
- Ukugqoka nokugqabhuka, ukuqhaqhaqha, ukuchithwa okanye ukuphazamiseka kombane.
- Ukuvutha kunye nemonakalo yamandla
Iimbali ezimbini zokugqibela zeengozi (ukugqoka kunye nokukhawuleza, ukuvuthela njl.) Zifakiwe ngaphandle kokuba zibhekwa njengezinto zokulungisa. Ezi zihlomelo azifaki kwi-auto efihliweyo.
Zixhobo ze elektroniki
Iimoto zanamhlanje ziqukethe izixhobo ezahlukeneyo zeekhompyutha. Ezinye iintlobo zezixhobo zisetyenziselwa ukuqhuba isithuthi. Umzekelo yindlela yokurhweba ngokuzenzekelayo. Ezinye izixhobo ezisetyenziselwa ukuhamba okanye izinto zokuzonwabisa. Ezinye iindidi zezixhobo (ezifana ne-radar detectors) azifakwe.
Imida kunye neeDeductibles
Ngaphandle kwemibandela embalwa, ukukhutshwa komonakalo ngokomzimba akuxhomekeke kumda. Kunoko, i-inshurensi yakho iya kuhlawula ngaphantsi kwezi zinto zilandelayo:
- xabiso lenkokhelo yexabiso lemoto okanye ixhobo zokusebenza ezilimele; okanye
- iindleko zokulungisa okanye ukuzitshintsha.
Ukuba iindleko zokulungisa isithuthi sakho zidlula ixabiso langempela lemali, umgcini wakho womshuwalense uya kuthi inqwelo lilahle ilahleko .
Umonakalo ngamnye womonakalo owenziwe ngokwasemzimbeni uncike kwisahlulo esinqunyiwe. Ngokomzekelo, unokukhetha ukuQinisekisa okuPhezulu kunye ne-$ 500 echithwayo kunye ne-Collision Coverage kunye ne-$ 1,000 echithwayo. Unokunciphisa umonakalo wakho weprayimali ngokunyusa ama-deductibles yakho.
Intlawulo yokulahlekelwa yenziwe ngumgcini wakho womshuwalense ingaquka i-deductible yakho (i-deductible yakho isele isuswe). Ngaphandle koko, umgcini-mali uya kubala intlawulo yakho yokulahlekelwa ngaphandle kwe-deductible kwaye ke akuthumele i-bill yexabiso elichithwayo.