Chokutanga pane zvose, tarisa panzvimbo yako yakapoteredza uye bvunza: Ndiri wakachengeteka here? Kana iwe usingazivi, chinhu chako chekutanga ndechekukanganwa motokari uye kusvika kune yakachengeteka. Apo, uye apo chete, unonyatsoziva kuti hapana ngozi pakarepo, unogona kubvunza mubvunzo wechipiri: Ndinoita sei ikozvino kuti mumwe munhu aputsika mumotokari yangu?
Heino urongwa hwematanho aunofunga. Urongwa hwaunotora hunosiyana hunoenderana nemamiriro ako ezvinhu. Mune mamwe mazwi, shandisa pfungwa yako.
Danho 1: Kudana Mapurisa
Maitiro ako okutanga angangove ari kutora foni yako uye kudana mapurisa. Vimba netsika. Tichifunga kuti waita nekukurumidza kuongororwa uye iwe hausi pangozi ipi zvayo, iwe unofanira kunge uchishandisa nhamba isiri iyo inotyisa. Shandisai 9-1-1 chete kana musingagoni kuwana mhinduro pane nhamba inogara. Kana iwe uri muchitoro chekupaka, iwe unogona kutsvaga muchengeti iwe uchimirira mapurisa kuti asvike.
Uyewo, gara uchiyeuka kuti motokari yako yava mamiriro ezvinhu ehupombwe, saka rega chido chokutaurirana mukati mukati kuti uone zvakakanganiswa kana kusina, kana kubata chero chinhu, nokuda kwechinhu ichocho.
Kamwe kana mapurisa achisvika, iva nechokwadi chokuti iwe unopa ripoti yemapurisa. Unonyatsoda kuti uite kana iwe uchifanira, kunyange zvazvo mukuru wako angangodaro achiomerera paari pachake.
Kunze, ndiko kuti, iwe uri muguta guru apo mapurisa haazoiti pachake kupindura motokari-ins. Kana zvakadaro, iwe unofanira kuenda kunzvimbo yepamapurisa iri pedyo neine laisense yako uye kubhadharira kuitira kuti upe ruzivo rwako. Usarega ichitenderera. Zvakakosha. Pane zvishoma, iwe unenge uchinyanya kuda iyo inshuwarisi carrier - iwe unofanirwa kunge uine ripoti yemapurisa kana iwe uri kuronga kuisa inishuwarenzi kudai . Uye iva nechokwadi chokuti mushumo wacho unonyora zvinhu zvose zvakakuvadzwa kana kubiwa, zvose mukati uye pamotokari yako-ingave kana izvo zvinhu pachazvo zvikwereti, unogona kukwanisa kudzorera zvinhu zvakare kana vandal ichiwanikwa.
Danho 2: Nyora Uhupupu - Tora Mifananidzo
Iwe unotoziva kare kuti iwe unofanirwa kutora mifananidzo nguva dzose kana iwe uri munjodzi, kunyanya kana iwe uchizopa inshuwarisi chirevo. Izvo zvinoenda kunopinda-in. Uye ngatitarisei, izvi zviri nyore kuita mazuva ano, zvichipiwa kuti zvese foni dzese pasi pano dzine yakamera mukamera. Nenzira, unofanira kufungisisa zvakasimba nguva dzose kutakura kamera yakachengetedzwa mumotokari yako, kana iwe uri mumwe wevanhu vatatu vasara vasina foni kana (ini ndiri kuda kutya kutaura) foni yako kubiwa mu-break-in.
Iva nechokwadi chekutora mifananidzo yezvose zvinokanganisa, mukati nekunze.
Nhanho yechitatu: Faira A Claim With Your Insurer?
Ndaisa mubvunzo mubvunzo pane iyi nokuda kwechikonzero. Iwe unofanirwa kuongorora mutemo wako kuti uone kuti chii chakafukidzirwa uye chisingaiti. Kana iwe uine ruzivo rwakakwana , yako insurer inofanira kubhadhara kukanganisa chaiyo kumotokari yako, asi iwe haugoni kupiwa chikwereti kune chero chezvinhu zvakasununguka zvawakanga wakarara pasi mukati, zvakadai semabhesi, mafoni, laptops, iPods, nezvimwewo. Pamusoro pezvinhu izvi, unogona kutarisa kune veimba yako kana kuti renters inshuwarisi yemutemo. Iwewo uchada kuziva kuti ingatora mari yakawanda sei kugadzirisa kukanganisa kwemotokari yako usati waisa kuda. Hazvibatsiri kana zvikwereti zvako zvose zvichange zvichitengesa zvishoma kudarika mari yako yakabviswa . Asi kunyange kana kukanganisa kuri kudarika yako yakabviswa, iwe ungada kufungisisa nezvekubhadhara kunze kwehomwe , sezvo kupa fodya kunogona kukonzera mahora ekutanga.
Hazvina mhosva kuti chii, chinhu chakanaka chokukurukura nemu inshuwarisi uye unovaudza kuti vazive nezvekuputika kuitira kuti muwane ruzivo rwamunoda kupa kana mukasarudza kuisa kuda.
One More Thing
Kana iwe uchifunga kuti kupinda-mukati kunogona kuita kuti iwe uzvipire, sezvinowanikwa munyaya iyo chero chiziviso kana chekwereti / chikwereti kana kubhadhara makadhi zvakabiwa, iva nechokwadi chokuti unoshamwaridzana nevatengi vekadhi rechikwereti, mabhengi, vatengi, uye mamwe mabhizimusi kana masangano zvinogona kuitika. Iwe unogonawo kuongorora kufunga nezvekutengesa kwebasa renguva pfupi iyo inofamba uye inorondedzera chero basa risina kukodzera rinoshandisa chikwereti chako chekwereti . Kuwedzerwa, zvechokwadi, shandisa chikwata chako chekufambisa, Social Security kadhi, uye mamwe magwaro ose anokosha akabiwa nokukurumidza.