Ubani ngempela ongasho ukuthi uyafaneleka yini ukuthola umshwalense wemoto kumhlinzeki othile? Ijaji lomshwalense wemoto yisihloko esingathandeki, ngakho baziwa ngokuthi abaqaphi bomshuwalense wemoto. Kafushane, umbhali wangaphansi womshwalense usebenzela umhlinzeki othile womshwalense futhi unemisebenzi emibili eyinhloko - ukunquma ukuthi lowo ongase abe nomnikazi wepholisi akanakukhokhela yini umshwalense kanye nentengo yomshwalense wakhe uma befaneleka. Ngakho-ke, ingxenye yokubhala yangaphansi ivela eqinisweni lokuthi babhala ukuthi ipholisi izobandakanyani nokuthi izobiza malini. Futhi baneqhaza ohlelweni lokuvuselela inqubomgomo kubanikazi bamapholisi abakhona. Ukuze uqonde ukuthi wenzani umshwalense ongaphansi noma uma ufisa ukungena kulowo mkhakha, lokhu okuthunyelwe kungokwakho.
Umsebenzi Wababhali Abangaphansi Komshwalense Wezimoto
Lonke ibhizinisi lomshwalense lisekwe engozini. Abanikazi bamapholisi akubona nje kuphela umshwalense wemoto kodwa abanikazi bezindlu, abaqashile, nabaningi bonke bahlolwa ngobungozi babo kanye namathuba okuba bafake isimangalo. Uma isicelo sifakiwe, izinkampani zomshwalense azijabulile ngempela ngokukhokhelwa. Nokho, lowo ngumsebenzi wabo nalokho ababhalisele kona. Kungakho amanani omshwalense ngemuva kwezicelo ephakeme kunangaphambili. Ababhali abangaphansi komshwalense bayakwazi ukunikeza isilinganiso sokuthi mangakanani amathuba okuthi othile afake isimangalo futhi bazobakhokhisa inani elithile ukuze bakhokhelwe noma bamphike inqubomgomo ngokuphelele. Yonke inkampani yomshwalense inendinganiso ehlukile yokuthi iyiphi ingozi eyamukelekayo, ngakho-ke kunezinhlobonhlobo zamanani kanye nezinketho zokukhava.
I-Car Insurance Underwriters yenza kanjani imisebenzi yabo
Uma uqonda ukuthi amanani omshwalense wemoto asebenza kanjani, ngeke ube nenkinga yokuqonda ukuthi ababhali bomshwalense wemoto bawenza kanjani umsebenzi wabo. Kunezici ezimbalwa zomuntu siqu nezemoto ezinquma ukuthi ungakanani sebenzisa umshwalense wemoto. Lezi zihlukile kuwo wonke umuntu, yingakho ukwehlisa isilinganiso somshwalense kungaba nzima. Izinto ezilandelayo zomuntu siqu ezizobhekwa ngababhali bomshwalense wemoto yilezi:
- Ubudala - Iqiniso elaziwa kakhulu ngomshwalense wemoto. Abashayeli abancane nabasha bavame ukuba namazinga omshwalense aphezulu kunabo bonke. Yingakho abashayeli abasha bevame ukufakwa kumgomo wabazali babo okhona. Abantu bavame ukuzitholela owabo umshwalense lapho sebeneminyaka engama-26. Kungaleso sikhathi futhi lapho amanani omshwalense wemoto eqala ukuba nesilinganiso njengoba unomlando omningi wokushayela.
- Irekhodi lokushayela - Ngokwemvelo, umlando wakho wokushayela ovezwe kwirekhodi lakho uzobhekwa ngababhala ngaphansi. Babheka noma yiziphi izingozi nokwephulwa komgwaqo ukuze babone ukuthi unomlando wakho yini ukuze bahlole ubungozi bakho. Abashayeli abaphephile bahlale bebekwa phambili ebhizinisini lomshwalense wezimoto futhi ngokuvamile bayaklonyeliswa ngenxa yalo -okuningi kulokho kamuva.
- Umlando womshwalense owedlule - Njengezimpawu zezingozi nokuphulwa komthetho, nawe unerekhodi lazo zonke izimangalo zakho zomshwalense wesikhathi esidlule. Lena enye into ebalulekile ababhali abangaphansi abangaqala babuze ngayo. Futhi, umqondo wukuthi awufuni ukusebenzisa umshwalense wakho kakhulu.
- Indawo yokuhlala - Ikhodi ye-zip itshela umshwalense obhala ngaphansi ngendawo yangakini noma amaphethini omgwaqo wendawo, inani labantu, namazinga obugebengu. Lezi zonke izici abazidingayo ukuze babheke inani lepholisi yakho. Ngokuvamile ngeke uxoshwe umhlinzeki womshwalense ngenxa yokuthi uvela endaweni ethile ngaphandle uma engasebenzi kuleyo ndawo.
Yini I-Car Insurance Underwriters Eyibhekayo Uma Kuziwa Ezimotweni
Izimoto ngokusobala zidlala indima ebalulekile ngokulinganayo ekubekeni amanani omshwalense wezimoto. Abantu abaningana bathengela izimoto ngezindleko zomshwalense wabathile, empeleni. Ama-underwriters asekela ukulinganisa kwezimoto zabo kokubili engcupheni naphezu kwenani. Nakhu abakubukayo uma kukhulunywa ngezimoto:
- Yenza, futhi imodeli - Uhlobo lwemoto onayo luzoqale lubhekwe futhi lubhekwe ngababhali bangaphansi. Izimoto zikanokusho, njengePorsche, ngokwesibonelo, ngokwemvelo zizoba namanani aphezulu kune-make efana ne-Hyundai. Lokhu kuvame ukudalwa yijubane lemoto kanye nezindleko zokuyilungisa uma konakala. Izimoto zikagesi ziphawuleka ngamanani azo aphezulu omshwalense ngenxa yalesi sizathu.
- Iminyaka yemoto - Izimoto ezindala zivame ukungadingi ukukhava okuningi njengezintsha. Lokhu kungaba njalo uma imoto ithengwa isisetshenziswa. Ngesikhathi esifanayo, imoto endala ingase ibe nerekhodi eliqinisekisiwe lokuphepha elingaholela ekukhokheni okuphansi kunentsha.
- Inani lokushintsha - Lokhu kubhekisela enanini lamanje lemoto yakho kunoma iyiphi indawo lapho unobunikazi bayo. Ingakanani ikhava oyiphethe isekelwe ngokuphelele enanini lemoto yakho ukuze ishintshwe futhi ilungiswe. Kunezinsiza ezimbalwa ezifana ne-Kelly Blue Book ongazisebenzisa ukukala inani lemoto yakho.
Lokho Abakwa-Underwriters Be-Car Insurance Abathanda Ukukubona
Manje ngalo lonke ulwazi lobuchwepheshe lokuthi bayini ababhala ngaphansi komshwalense wezimoto futhi benzani, nanka amathiphu okuthola ukuhlolwa okuhle kakhulu kubo. Nakuba ungeke ukwazi ukusiza izici ezithile ezifana neminyaka yakho, okulandelayo ungakwazi:
- Iba umshayeli ophephe kunabo bonke ongaba nguye - Lokhu kuhlanganisa ukubalekela izingozi kanye nokwephulwa kwemithetho yomgwaqo ngokwenza ukushayela okuphephile kube umkhuba ojwayelekile. Kunezinsiza eziningi ezingasiza kulokhu - njengezifundo zokushayela ngokuzivikela. Ababhala ngaphansi bazokwenza inothi yalokho futhi bangase banciphise isaphulelo sokushayela esivikelayo. Abashayeli abaphephile bahlale benikezwa izaphulelo ngabahlinzeki bomshwalense futhi bakhokhe amanani aphansi kakhulu.
- Gcina amaphuzu amahle esikweletu - Ngokwemibiko, izinkampani zomshwalense ziyazibheka izikolo ezingase zibe ngamakhasimende ezikweletu ukuze zihlole ukuthi zithembeke kangakanani ngokwezimali. Phela, umshwalense wemoto umayelana nokwenza izinkokhelo zakho zanyanga zonke ngesikhathi. Ukuba nekhredithi enhle kuzokwandisa amathuba akho okuthola imvume yombhali ongaphansi.
Ezinye Izinhlobo Zokubhala Ngaphansi Komshwalense
Umshwalense wabanikazi bezindlu nowempilo ungesinye isibonelo senqubo yokubhala phansi. Njengomshwalense wezimoto, ababhala ngaphansi bazobheka izingozi eziphathelene nemizi nempilo njengezinto ezisetshenziselwa ukwakha indlu, amazinga obugebengu bendawo, isimo sezulu, umlando wempilo yomndeni, ngisho nezinto eziqondile ezifana nokuthi useduze kangakanani nezicishamlilo noma esiteshini samaphoyisa esiseduze. Sengiphetha, umsebenzi womshwalense ongaphansi wukucabanga ngakho konke okungahamba kahle nokuzokonakala kanye namathuba okuthi kwenzeke, kungakhathaliseki ukuthi kusemotweni, ekhaya, noma okuhlobene nempilo.
