Umgaqo-nkqubo wentengiso ujongene nale ntlupheko enokubaluleka ngexabiso lokunciphisa ukubaluleka. Ukukhutshwa oku kusebenza kumonakalo womonakalo ngokomzimba .
Itholakala ngokugqithiseleyo ekupheleni komonakalo okwenziwe ngokomzimba kwifom yokubambisa i-auto.
Autos Own
Ukuncipha kwenani lokubanjiswa kwexabiso kunokunciphisa inani olifumanayo kwi-inshurensi ngenxa yokulahlekelwa ngumonakalo ochaphazelekayo obandakanya isithuthi sakho. Umzekelo olandelayo ubonisa indlela oku kwenzeka ngayo.
I-firm yakho inesondo elilodwa leetoni eliqinisekisiwe ngokubanzi kunye nokudibanisa phantsi komgaqo-nkqubo wenkampani yakho yokuthengisa. Iloli lonakaliswe xa umqeshwa wakho ebuyisela ngodonga ngephutha. Ufake ibango phantsi koqweselo lwakho lokubambisana. Umshuwalense wakho uya kuhlawula ngaphantsi:
- xabiso lenkokhelo yexabiso lemoto elonakalisiweyo ngexesha lokulahleka; okanye
- indleko yokulungiswa okanye ukufaka endaweni yesithuthi ngeendawo kunye nezinto ezifana nezo zithuthi eziqulethwe phambi kokulahleka.
Ixabiso elithengileyo lemali ngokubanzi lithetha iindleko zokutshintshwa kwezithuthi eziphantsi kwexabiso. Umshuwalense unokucinga kwakhona "incwadi yeblue blue" okanye ixabiso lemarike yesithuthi.
Ukuba iindleko zokulungisa iloli zingaphantsi kwexabiso lazo langoku, umshwalima wakho uza kuhlawula iindleko zokuzilungisa. Ngaphandle koko, elo lori liya kuthiwa lilahlekelwe lilonke .
Cinga ukuba i-insurer yakho ikhetha ukuhlawula iindleko zokulungisa ilori lakho. Ivenkile yecandelo lakho lendawo lithengisa i-$ 3,500 yamawaka ukulungisa isithuthi. Ukuba umgaqo-nkqubo uquka i-$ 500 echithwayo, i-insurer yakho iya kuhlawula i-$ 3,000.
Iloli yakho yayinexabiso lemarike eyi-R10 000 ngaphambi kweengozi. Nangona kunjalo, isithuthi siye sengozi yemoto, ngoko abathengi bayakujonga njengexabiso elincinane kuneloli elifanayo elingazange libandakanye engozini. Ixabiso leyorhwebo leloli lakho ngoku li-$ 9,000 kuphela. Umshuwalense wakho akayi kukuhlawula ngokuhla kwe-$ 1,000 yexabiso.
Nangona ixabiso elinciphileyo lingagqithwa yintengiso yomshuwalense, ngokuqhelekileyo ihlanganiswa yinshuwalense yemfanelo yecala . Oku kuthetha ukuba ukuba isithuthi sakho sonakaliswe ngengozi ebangelwa ukunganyaniseki komqhubi womnye umqhubi, kwaye ungamangalela omnye umqhubi, unokufaka umrhumo wokunciphisa ixabiso njengenxalenye yomonakalo oyifunayo.
Iimoto Zengqesho
Ukunciphisa ukubaluleka kokungabikho kunokuvelisa iindleko ezingaphandle kwemali xa isithuthi sendawo yokuqashisa sonakalisiwe ngexesha lexesha lesivumelwano sokuqeshisa. Cinga ngomzekelo olandelayo:
UBob ungumnikazi wabakhi abasebenzayo, inkampani yokwakha encinci. Unentlanganiso ezayo ePleasantville, eyi-250 miles ukusuka kwisixeko sasekuhlaleni saseBusy Builder. UBob uhlawula imoto egameni lakhe shishini usebenzisa ikhadi lekhredithi. Uhlawula isithuthi kwindlela yakhe yohambo lweentsuku ezimbini ukusuka kwi-Ready Rentals, i-agency yerenti yokuqashisa imoto. Ukunikezelwa kweeNkonzo zokuThengisa ukuthengisa i-inshuwalense ye-Bob kunye nenkunkuma yokulahlekelwa ngumonakalo.
Ukulahlekelwa kweMali yokuLawulwa
Ukulahlekelwa ngumonakalo wokulimala (obizwa ngokuba ngumonakalo wokutshatyalaliswa komonakalo) kuya kunqumla uBob kwanoma yimuphi umbopheleleko wokuhlawula umonakalo kwisithuthi. Ukuba ubandakanyeka engozini xa eqhuba isithuthi sokuqasha, kwaye isithuthi sonakaliswe, umonakalo uya kuhlanganiswa ngokupheleleyo. Ngelishwa, olu khuselo luya kwiindleko ezininzi. Ukufunwa kwezindlu ezifunayo kufuna i-$ 20 ngosuku ngosuku lwe-LDW. UBob wenza isigqibo sokunciphisa i-LDW. Kananjalo uyayeka ukuthenga i-inshorensi yemfanelo yemoto. Abakhi abasebenzayo baqinisekisiwe phantsi komgaqo-nkqubo wentengiso obandakanya uxanduva kunye nomonakalo owenziwe ngumonakalo weemoto eziqashiweyo . Kutheni kufuneka ahlawule i-inshorensi yemfanelo kunye ne-LDW xa iqumrhu lakhe linomshwalense kwiinqwelo eziqashisayo? UBob ubonisa isivumelwano sokuqeshisa kwaye kungekudala esendleleni.
Ngomso ozayo uBob ugqiba ishishini lakhe ePleasantville aze aqale ukuhamba naye ekhaya kwikota yokuqashisa.
Malunga neyure ekuhambeni kwakhe, u-Bob uhamba ngeendlela ezinqabileyo aze ahlasele ngengozi umthi. UBob akayingozi kodwa umphambili wangaphambili wemoto yokuqashisa ayinayo. UBob ubuyisela imoto kwi-Ready Rentals kwaye igcwalisa ingxelo yengozi. Xa ebuyela eofisini yakhe, ufake ibango kunye ne-insurer yakhe yokuthengisa.
Ziziphi ezo ntlawulo!
Enye inyanga kamva uBob uyatshitshiswa kwilwayo efunyenwe kwi-ejensi yokuqeshisa. Ingqikithi idlula i-$ 7,000! Iindleko zibandakanya i-$ 3,600 emonakalo kwimoto yokuqasha kunye ne-$ 2,500 kwixabiso elinciphileyo. I-ejensi yokuqasha ibuye ifake imali engama-$ 600 yokulahlekelwa kokusetyenziswa, kunye ne-$ 350 kwimirhumo yolawulo. Ukulahleka kweendleko zokusetyenziswa kubonisa imali engenayo i-ejensi elahlekileyo ngenxa yokuba isithuthi esonakalisiwe sasingekho ukuhlawula abanye abathengi. Ijensi yokuqeshisa ibanga ukuba imoto yokuqeshisa eyonakalisiweyo yathatha iintsuku ezili-15 ukulungisa. Uhlawulise uBol i-$ 40 epheleleyo ngemini yokuqashisa ngosuku ngemoto ayikwazi ukuqeshiswa. Imirhumo yolawulo ingabandakanya iintlawulo zokukhwela, iimali zokugcina kunye nezinye iindleko.
Umshuwalense wezithuthi ezizimeleyo uya kubakhokhela i-$ 3,100 kwimonakalo kwisithuthi (umshishini-mali uya kukhupha i-Busy Builder ye-$ 500 echithwayo). Ngenxa yokuba izakhiwo ezizimeleyo zithengise umonakalo owenziwe ngomonakalo weemoto eziqashiweyo , umgaqo-nkqubo we-auto uhamba kunye nokulahlekelwa kweMpahla. Nangona kunjalo, umgaqo-nkqubo ukhokhela i-20 kuphela ngosuku; Ngaloo ndlela, i-inshurensi iya kuhlawula i-$ 300 ngosuku lwe-15. Oku kuthetha ukuba izakhiwo ezixhasayo ziza kubanjelwa i-$ 300 ze-pocket-shedding for loss loss of use. Ingozi yomonakalo kaBob ngaphandle kokunciphisa ixabiso, apho i-arhente ihlawulise i-$ 2500. Imigaqo-nkqubo yemveliso yezoqoqosho ayifuni iifizi zokulawula. Ngaloo ndlela, imali engama-$ 350 ehlawulwa yinkampani yokuqeshisa ayifakwe phantsi komgaqo-nkqubo we-Auto Builder. I-Busy ijongene ne $ 3,650 kwiindleko ezingaxhaswanga.
Umvuzo weKhadi leKhadi
Ngenxa yokuba uBob wenqatshelwe ukulahlekelwa ngumonakalo olahlekileyo ukusuka kwi-Ready Rentals, i-agency yokuqeshisa ayiyi kuhlawula nayiphi na inxalenye yomonakalo kwimoto yokuqashisa. UBob waqeshisa isithuthi kwi-Ready Rentals esebenzisa ikhadi lekhredithi yebhanki. Njengamakhadi amaninzi ekhredithi, ikhadi likaBob lifaka ngokukhawuleza ukulimala komzimba kwiinqwelo eziqashisayo. Amanqaku amaninzi ekrejethi anikezela lo msakazo xa umninimzi enqatshelwe ukulahlekelwa ngumonakalo wokulahlekelwa ngumonakalo. Ukugqithiswa ngokuqhelekileyo kunokugqithisa ngaphezu kwanoma yimuphi umonakalo owenzela ukulimala ngokwasemzimbeni.
Ukuqokelela nayiphina imbuyekezo phantsi kwekhadi lakhe lekhredithi, uBob kufuneka alinde ade afumane inkokhelo evela kwi-insurer yakhe. Njengomgaqo-nkqubo, ukukhutshwa kwekhadi lesikweletu akubandakanyi ukwehla kwexabiso. Kwakhona kubandakanyeka ukulahleka kokusetyenziswa kunye nemirhumo yolawulo. I-$ 3650 yeeNkampani eziKhuselekileyo kwiindleko zangaphandle, i-credit card iya kuhlawula kuphela i-$ 500 echithwayo.