inshorar mota yana rufe lalacewar ƙofar gareji

Hatsari na faruwa, wani lokaci yana haifar da lalacewa ba zato ba tsammani, gami da ƙofar garejin ku.Ko ƙaramin shinge ne mai lankwasa ko kuma haɗari mafi girma, yana da mahimmanci a san ko inshorar motar ku ya ƙunshi farashin gyara ko maye gurbin ƙofar garejin ku.A cikin wannan rukunin yanar gizon, za mu bincika cikakkun bayanai game da ɗaukar inshorar mota da yadda yake shafar ƙofar garejin da ta lalace.

Koyi game da ɗaukar inshorar mota:
Manufofin inshora na mota galibi suna ƙunshe da nau'ikan ɗaukar hoto daban-daban, kamar ɗaukar nauyi, ɗaukar hoto, da cikakken ɗaukar hoto.Bari mu bincika waɗannan zaɓuɓɓukan inshora da yadda suke da alaƙa da lalacewar ƙofar gareji.

1. Inshorar alhaki:
Inshorar abin alhaki tana ɗaukar lahani ga wasu a cikin hatsarin da laifin ku ya haifar.Abin takaici, ɗaukar nauyin abin alhaki baya shafi lalacewa ga dukiyar ku, gami da ƙofar garejin ku.Don haka idan kun bugi ƙofar garejin ku da gangan yayin yin kiliya, inshorar abin alhaki ba zai rufe gyara ko maye gurbinsa ba.

2. inshorar karo:
Inshorar haɗari yana ɗaukar lalacewar abin hawa lokacin da kuka yi karo da wani abin hawa ko wani abu.Yayin da inshorar karo na iya rufe lalacewar motar ku, yawanci baya rufe lalacewar wasu dukiya, kamar kofofin gareji.Don haka, inshorar karo bazai samar da abin da ake buƙata ba idan kun lalata ƙofar garejin ku saboda karo.

3. Cikakken inshora:
Cikakkun inshora yana ɗaukar lalacewa ga abin hawan ku da hatsarori marasa haɗari kamar sata, ɓarna ko bala'o'i.Abin farin ciki, cikakken inshora na iya rufe lalacewar ƙofar garejin ku muddin an rufe shi a ƙarƙashin manufofin.Idan ƙofar garejin ku ta lalace ta hanyar reshen bishiyar da ya faɗi ko yanayi mai tsanani, inshorar inshora na iya biyan kuɗin gyara ko sauyawa.

Sauran la'akari:
1. Deductible: Ko da tsarin inshorar motar ku ya shafi lalacewar ƙofar gareji, yana da mahimmanci a yi la'akari da abin da za ku iya cirewa.Deductible shine adadin da za ku biya daga aljihu kafin inshora ya fara shiga. Idan farashin gyara ko maye gurbin ƙofar garejin ku ya yi ƙasa da abin da za a cire, ƙila ba zai cancanci yin da'awar ba.

2. Sharuɗɗan Siyasa: Kowace manufa ta bambanta, don haka yana da mahimmanci a sake duba sharuɗɗan manufofin ku game da lalacewar dukiya.Wasu manufofi na iya keɓance ɗaukar hoto na gareji ko gine-ginen da suka bambanta da mazaunin ku na farko.Sanin kanku da ƙayyadaddun manufofin ku don guje wa abubuwan mamaki marasa daɗi.

3. Inshorar gida daban: Idan inshorar motarka bai rufe lalacewar ƙofar garejin ku ba, kuna iya samun ɗaukar hoto a ƙarƙashin tsarin inshorar gida.Koyaya, wannan hanyar yawanci tana aiki ne kawai idan ana ɗaukar ƙofar gareji wani ɓangare na kayan gaba ɗaya kuma inshorar gidan ku ya rufe.

a ƙarshe:
A mafi yawan lokuta, manufofin inshora na mota ba sa rufe lalacewar ƙofar garejin ku kai tsaye.Yayin da inshorar abin alhaki da inshorar karo ba su rufe irin wannan ɗaukar hoto, cikakken ɗaukar hoto na iya ba da kariya a ƙarƙashin sharuɗɗan manufofin.Ko da kuwa, yana da mahimmanci ku karanta tsarin inshora na ku a hankali kuma ku duba tare da mai insurer don gano abin da ke rufe da abin da ba a rufe ba.Idan babu ɗaukar hoto, yana iya zama mai hankali don bincika zaɓuɓɓuka ta hanyar inshorar gida.Ka tuna, sanin ɗaukar inshorar ku shine mabuɗin don sarrafa kudaden da ba zato ba tsammani dangane da lalacewar ƙofar gareji.