Iingozi zenzeka, ngamanye amaxesha zikhokelela kumonakalo ongalindelekanga kwipropathi, kubandakanywa nomnyango wakho wegaraji.Nokuba yi-fender encinci egobileyo okanye ingozi enkulu, kubalulekile ukwazi ukuba i-inshurensi yemoto yakho igubungela iindleko zokulungisa okanye ukubuyisela umnyango wakho wegaraji.Kule bhlog, siza kuphonononga iinkcukacha ze-inshurensi yemoto kunye nokuba iwuchaphazela njani ucango lwegaraji owonakeleyo.
Funda malunga ne-inshurensi yemoto:
Iipolisi ze-inshorensi ezizenzekelayo zihlala zineentlobo ezahlukeneyo zokhuselo, ezifana nokhuseleko lwetyala, ukujongana nongquzulwano, kunye nokhuseleko olubanzi.Makhe sihlolisise ezi zikhetho ze-inshorensi kunye nendlela ezihambelana ngayo nomonakalo wocango lwegaraji.
1. I-inshurensi yetyala:
I-inshorensi yetyala ikhusela umonakalo kwabanye kwingozi ebangelwe sisiphene sakho.Ngelishwa, ukhuseleko lwetyala alusebenzi kumonakalo kwipropati yakho, kubandakanywa nomnyango wegaraji yakho.Ke ukuba ubethe ngempazamo ucango lwegaraji yakho ngelixa upaka, i-inshurensi yetyala ayiyi kugubungela ukulungiswa okanye ukutshintshwa kwayo.
2. I-inshurensi yokungqubana:
I-inshurensi yokuntlitheka ikhusela umonakalo kwisithuthi sakho xa ungqubana nesinye isithuthi okanye into.Ngelixa i-inshurensi yokungqubana ingavala umonakalo kwimoto yakho, ayifaki umonakalo kwenye indawo, njengeengcango zegaraji.Ke ngoko, i-inshurensi yongquzulwano ayinakubonelela ngokhuseleko oluyimfuneko ukuba wonakalisa umnyango wakho wegaraji ngenxa yokungqubana.
3. I-inshurensi ebanzi:
I-inshurensi ebanzi igubungela umonakalo kwisithuthi sakho obangelwe ziingozi ezingangqubaniyo ezifana nobusela, ukonakalisa okanye iintlekele zendalo.Ngethamsanqa, i-inshurensi ebanzi inokuvala umonakalo kumnyango wakho wegaraji ukuba nje igutyungelwe phantsi kwepolisi.Ukuba umnyango wakho wegaraji wonakaliswe lisebe lomthi eliwileyo okanye imozulu embi, i-inshurensi ebanzi inokuhlawula iindleko zokuyilungisa okanye ukutshintshwa.
Olunye uqwalaselo:
1. I-Deductible: Nokuba ipolisi ye-inshurensi yemoto yakho igubungela umonakalo wocango lwegaraji, kubalulekile ukuba ucinge ngokutsalwa kwakho.I-deductible yimali ekufuneka uyihlawule epokothweni ngaphambi kokuba i-inshurensi iqalise. Ukuba iindleko zokulungisa okanye zokutshintsha ucango lwegaraji yakho zingaphantsi kakhulu kunokukhutshwa, akunakufaneleka ukufaka ibango.
2. Imiqathango yomgaqo-nkqubo: Yonke ipolisi yahlukile, ngoko ke kubalulekile ukujongisisa imigaqo nemiqathango yepolisi yakho malunga nomonakalo wepropati.Eminye imigaqo-nkqubo inokukhuphela ngaphandle ngokukodwa ukhuseleko lweegaraji okanye izakhiwo ezahlukileyo kwindawo yakho yokuhlala engundoqo.Ziqhelanise neenkcukacha zomgaqo-nkqubo wakho ukuze uphephe izinto ezothusayo.
3. I-inshurensi yendlu eyahlukileyo: Ukuba i-inshurensi yemoto yakho ayiwuquki umonakalo kucango lwegaraji yakho, unokufumana i-inshorensi phantsi kwepolisi ye-inshurensi yekhaya lakho.Nangona kunjalo, le ndlela ihlala isebenza kuphela ukuba umnyango wegaraji uthathwa njengenxalenye yempahla yakho yonke kwaye igutyungelwe yi-inshurensi yekhaya lakho.
ukuququmbela:
Kwiimeko ezininzi, iipolisi ze-inshurensi yemoto aziwugubungeli ngokuthe ngqo umonakalo kumnyango wakho wegaraji.Ngelixa i-inshorensi yetyala kunye ne-inshurensi yongquzulwano ayiluhlanganisi olu hlobo lokhuselo, i-inshorensi ebanzi inokubonelela ngokhuseleko phantsi kwemigaqo yepolisi.Kungakhathaliseki ukuba yintoni na, kubalulekile ukufunda ipolisi yakho ye-inshurensi ngononophelo kwaye ukhangele kunye ne-inshurensi yakho ukuze ufumanise ukuba yintoni na i-inshurensi kunye nento engabandakanywanga.Ukuba akukho lukhuselo, kunokuba bubulumko ukuphonononga iinketho nge-inshurensi yekhaya.Khumbula, ukwazi i-inshurensi yakho ingundoqo ekulawuleni iindleko ezingalindelekanga ezinxulumene nomonakalo wocango lwegaraji.
Ixesha lokuposa: Jul-24-2023