Inkampani Yomthetho Eklonyelisiwe

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Manje Buza izigidi eziyisikhombisa zokukhubaza ukulimala ngesikhathi se-A Car Car

Ngokwezifundo ezihlukahlukene, kutholakale ukuthi iphutha lomuntu yiyona imbangela yengozi emgwaqweni omkhulu. Imiphumela yabacwaningi abaningi baphetha ngokuthi ukulimala komgwaqo, noma ukulimala noma ukuphahlazeka okubulalayo ku-UAE, kubangelwe ngenxa yephutha elenziwe ngumshayeli cishe ngu-80% wesikhathi.

Izimbangela ezintathu zokufa noma ukufa emigwaqeni yaseDaibha ziye zabangwa ngenxa yezici eziyinhloko - ukusheshisa, hhayi ukugqoka ibhande lesikhulu nokushayela uma udakiwe. Kulezi zici ezintathu ezikhulunywe ngenhla, isivinini sibi kakhulu kunazo zonke! Liye lafaka isandla ekulimaleni okulimalayo kunanoma iyiphi enye into. Izibalo zithi ngaphezu kwe-40% yezingozi ezibulalayo kubangelwe ngenxa yokungahlaselwa kanye nokuvinjelwa okukhulu!

Yonke ingane noma intsha ethanda ukuhamba isongelwa ukuthi kungenzeka ukufa ngenxa yokuhamba ngezimoto. Lokhu kuyiqiniso kusukela kutholakale ukuthi izingane zase Dubai zifakwe esibhedlela kaningi ngenxa yokuthi ziyizisulu izingozi zomgwaqo.

Ukwephuka Kwemoto nokubuyiselwa Kwemoto - Izinombolo zosizo

Njengomshayeli ophethe, kufanele ufunde ukuqapha uma ushayela. Uzodinga ukugcizelela imithetho yezimoto kumntanakho. Izingane zifunda ngenkathi zibuka, ngakho-ke kudingeka ukhumbule ukuthi kufanele usebenzise lokho okukushumayelayo. Uma kungenjalo, izingane zakho zizoyeka ukugcina imithetho oyibeke yona, uma zibona ukuthi awuzilandeli. Futhi, ungase ube ngumshayeli omuhle kodwa ungakhululwa ezingozini, ngenxa yabanye abashayeli, okungenzeka ukuthi abanomthwalo okwanele ngenkathi ushayela.

Kungenzeka ukuthi ulahlekelwe kakhulu engozini futhi uzodinga ukuthola indlela yokubuyisela konke lokho okulahlekile. Kulokhu, kuzodingeka uqashe ummeli wezingozi zemoto. Uzoqinisekisa ukuthi akudingeki ukhathazeke ngokulahlekelwa kanye nezinhlekelele eziza ngengozi. Uzokusiza ukuthi ubone indlela elula uma usebenza ngenqubomgomo yakho yomshuwalense.

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Ziyini umonakalo wokuthi inkampani yomshuwalense kufanele ibuyisele imali?

Kunezinhlobo ezithile zemonakalo inkampani yomshuwalense ezokumboza. Kufanele wazi ukuthi imonakalo eyahlukene ehlanganisiwe ukuze kulinganise isimangalo sakho. Ake sicabange ukuthi u-A no-B bangabantu ababili abahlangabezane nengozi. Ingozi yabangelwa ngenxa ka A. Inkampani yomshuwalense i-A eyayiqashile kuyodingeka ihlawulise uB for the losses. Ake sibone ukuthi yimuphi umonakalo ohlukile kanye nezindleko A kuzodingeka zimboze.

  1. Noma yiziphi izindleko zezokwelapha
  2. Imali ukuthi B yayiyolahleka ngenxa yokuthi ayikwazi ukuya emsebenzini ngenkathi ingaphansi kokubheka noma ukwelashwa esibhedlela
  3. Noma yimuphi ukukhubazeka ngokomzimba noma ukukhubazeka ngokomzimba
  4. Ukulahlekelwa okuhlangenwe nakho komndeni noma kwezenhlalakahle
  5. Ukulahlekelwa kwanoma yikuphi okuhlangenwe nakho kwezemfundo, okubandakanya ukuqeqeshwa okulahlekile noma esikoleni
  6. Noma yimuphi umonakalo ngokomzwelo
  7. Noma iyiphi impahla ewonakele

Inkampani inkampani yomshuwalense ibaluleke kanjani noma yisiphi isimangalo?

Uma uhlangane ngengozi, umuntu wokuqala ozoya egijimela ku-insurer yakho. Uzodinga ukumtshela ngengozi bese wenze isimangalo sakho. Kodwa, wake wazibuza ukuthi umshwalense ulinganisa kanjani isimangalo sokulimala? Uma ufuna ukukhokhela umuntu ngokulahlekelwa kwakhe, uzobuyisela inani abalahlekile ngokusho inani abaye basebenzisa. Kodwa uzokala kanjani ukudabuka noma ubuhlungu noma ukuhlupheka? Kuthiwani uma othile esendleleni yokuxoxisana futhi ahlangana nengozi? Ungakwazi yini ukubonga ithuba lakhe elilahlekile? Ukuze ugweme lokhu, inkampani yomshuwalense izama ukubaluleka zonke izimangalo besebenzisa ifomula yokulinganisa umonakalo.

Lapho uqala ukuxoxisana nenkampani yomshuwalense maqondana nesimangalo sakho, umcwaningi uzoqala ahlole izindleko zezokwelapha ezihlobene nokulimala kuphela. Uzobheka zonke izici abese ehlanganisa izindleko ngaphansi kwesihloko esithi 'Ukulimala Okukhethekile Kwezokwelapha'. Uma lesi sibalo sesitholakele, umhloli wezokwazisa uzozama ukuhlola inani lemali inkampani yenkampani yomshwalense okufanele ikhokhele umfakisicelo ngobuhlungu nokuhlupheka kwakhe. Leli nani libhalwe ngokuthi 'Ukulimala Okuvamile'. Usebenzisa ifomula ukubala umonakalo jikelele, osuselwa ezingeni lokulimala kommangali. Uma ummangali enokulimala okuncane, inani lomonakalo ojwayelekile lilingana no-1.5 noma izikhathi eziphindwe kabili kunenani lomonakalo okhethekile wezokwelapha. Uma ukulimala kukhulu, inani lomonakalo ojwayelekile lilingana nokuphindwe ka-2 inani lomonakalo okhethekile wezokwelapha. Kunamacala athile lapho le nto ephindaphindayo ingaba yi-5!

Lapho Inkampani Yomshwalense Inqaba Ukukhokha Ukulimala Kwezingozi

Kukhona amacala lapho inkampani yomshuwalense ibalalela isimangalo sakho ngaphansi kokubuya okufunayo. Isizathu esikhulu salokhu wena njengommangali akakwazi ukuhambisa ubufakazi obuningi noma inqubomgomo yakho inezinyathelo, ongazange wazibone uma ubhalisile. Ngakho-ke, kungcono ukuqasha ummeli womshuwalense ukuthola inzuzo efanele.

Qaphela uma kuziwa kumadokhumenti

Ngaphambi kokuba ubhalisele inqubomgomo yomshuwalense, udinga ukuqinisekisa ukuthi ufunda zonke izici zenqubomgomo. Uma uhluleka ukufunda ukuphrinta okuhle, ungathola ukuphela kokuphela kwalesi sici. Kube khona amacala lapho ummangali engatholi imali yakhe, njengoba bebengakwazi izici ezithile zenqubomgomo. Xoxa ngezici ezahlukene zomgomo wakho womshuwalense nommeli wakho ngaphambi kokuba usayine umugqa ochaziwe.

Kungani udinga ukuqasha ummeli wezingozi zemoto?

Njengama-cites amaningi amakhulu, i-Dubai nayo ayiyona ingozi kunezingozi. Ezimweni eziningi zezimoto, imoto ivame ukulimala. Kulula inkampani yomshuwalense ukukhokhela umonakalo obangelwa imoto. Nokho, kwezinye izimo, kukhona umonakalo obulalayo obangelwa ukuphila komuntu, okungabangela ukukhathazeka okukhulu ngokomzwelo kanye nokulimala kwezezimali. Awukwazi ukubeka intengo kulokhu kulahlekelwa ngakho-ke ukuxoxisana nenkampani yomshuwalense, udinga ummeli wengozi yemoto onolwazi lokubhekana nalezi zimo. Uma uyingxenye yengozi yemoto, kufanele uhlawulelwe izikweletu zezokwelapha, inkokhelo elahlekile, ukulungiswa kwemoto nanoma yimuphi omunye umonakalo okwenzekile. Lezi zinsuku zixoxwa kahle ngummeli ochwepheshe.

Kuhle ngaso sonke isikhathi ukuba nommeli ngoba bazokwazi ukusingatha noma yiziphi izinkinga zomthetho ezingase zikhule. Bazokwazi futhi ukuxoxisana kahle nenkampani yomshuwalense nje ngokuba khona ngesikhathi semihlangano yakho.

Kuhle ngaso sonke isikhathi ukubhalisela izinsizakalo zommeli uma kunoma yiziphi izimo ezishiwo ngezansi ezenzekile.

Isikhathi Eside Noma Ukukhubaza Unomphela Ukulimala

Kunezingozi ezithile ezibangelwa ukulimala okuthinta ikhono lakho lokwenza noma yiziphi izenzo zomzimba futhi kubangele ukukhubazeka okwesikhashana noma okuhlala njalo. Kunzima ukukhomba isinxephezelo ongayidinga ukulimala okunjalo. Kuhle ngaso sonke isikhathi ukuba ummeli wakho abe ohlangothini lwakho phakathi nalesi simo.

Ukulimala Okukhulu

Ubukhulu bokulimala kwakho yilokho inkampani yomshuwalense izobukeka ngaphambi kokuba inqume inani elizolibuyisela. Ubunzima buvame ukulinganiswa ngokusekelwe ezinyangeni zakho zezokwelapha, uhlobo lokulimala oye waba nazo kanye nesikhathi esithatha wena ukuba ululame kulabo ukulimala. Kukhona kungenzeka ukuthi inani lemali yenkampani yomshuwalense ikukhokhela futhi ayikusizi ukuthi uphinde uthole izindleko zakho zezokwelapha. Kulapho uzodinga ukuba nommeli ohlangothini lwakho ukukusiza ukunqoba ukulahlekelwa kwakho.

Akekho owazi ukulimala noma ukulahleka kwakho okungcono kunawe!

Lokhu into okumele uyikhumbule! Ingozi eyenziwe yenzeke kuwe hhayi kummeli wakho noma umshwalense wakho! Nguwe owabona izenzakalo zenzeka, hhayi kubo! Nguwe owazi ukuthi ulimale kangakanani. Nguwe owazi ukuthi izimo zini! Lokhu kuyodingeka ukuthi uzwisise ngaphambi kokuthi ucabange ngokuxazulula isimangalo.

Kufanele uqashe nini ummeli wengozi yemoto?

Uzodinga ukufaka isimangalo sakho ngaphambi kokuthi udlulise isikhathi esinqunyiwe sombuso ohlala kuso. Kuhlale kuhle ukuqasha ummeli ekuqaleni. Lokhu kuzoqinisekisa ukuthi ugwema noma yimaphi amaphutha angakubiza kamuva. Bayoqinisekisa ukuthi awulahlekelwa yimali futhi ungakhokhi izindleko zezokwelapha kusuka ephaketheni lakho, futhi noma ngabe wenza, uthola imali efanele ngokufanayo. Kuhle ngaso sonke isikhathi ukuxhumana nommeli wakho phakathi nesonto lengozi ngoba lokhu kuzokunika isikhathi esihle sokufinyelela enkampanini yakho yomshuwalense!

Ummeli wengozi yemoto ukhokha malini?

Njalo icala lesingozi yemoto lisebenza ngomqondo wokuthi ummeli akakhokhwa uma elahlekelwa icala kodwa ukhokhelwe uma ewina. Uma ummeli ezuza icala egameni lommangalelwa, ukhokhelwe amaphesenti athile omonakalo wokulimala komuntu siqu (okukhulunywa kuwe ngokuthi 'Ukulimala Okukhethekile Kwezokwelapha' esigabeni esiseduze).

Yazi ukuthi isimangalo sakho sihilela ngokubonisana mahhala

Kuhlala kunzima ukwazi ukuthi isimangalo sakho sihlanganisani. Kufanele uhambe ngenqubo ende kakhulu efanayo. Lapha, unikezwa inzuzo yokubonisana nommeli wengozi ukuze uqonde isimangalo sakho kangcono. Ingxenye ehamba phambili ngalokhu ukubonisana kwamahhala. Into yokuqala okuzodingeka uyenze ukukhomba ummeli okufanele. Udinga ukuthola umuntu onolwazi olwanele ngomthetho uma kukhulunywa ngezingozi. Lokhu kuzokusiza wazi ukuthi ayini amaphuzu akho aqinile futhi ulwe necala lakho ngalawo maphuzu! Fakela icala lakho lokumangalelwa

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