Chenjerera Mazhinji Car Car Claims
Tora nguva yekudzidza nezvemotokari yekutengesa motokari usati wafanira kuisa kuitira kuti iwe ugadzirire pane zviri mberi.
Kudzokera-Kubva Kudzorera
Ichokwadi hazvibatsiri kana iwe une motokari mbiri dzekutengesa motokari mukati mevhiki imwe chete kana gore iri roga: zvose zvinodhindwa zvakaitwa mukati memakore matatu zvinotorwa se "multiple claim" pamashoko ako ekutaura newe inshuwarisi yekambani.
Multiple Claims uye Deductibles
Zviitiko zvakawanda zvinowanzoitika chaizvo pamwe chete zvinomutsa mibvunzo pamusoro pekudzikinurwa. Semuenzaniso, taura kuti wakanga uchidzivisa pakuwana mhepo yako yakapwanyika yakatsiviwa uye ikozvino nondo yakamhanyira kumativi emotokari yako. Iwe unoda kuchengetedza nguva (uye kugadzirisa nyaya mbiri) nekuva nemhepo yako yese yemhepo uye kukanganisa kunokonzerwa nehangu kunogadzirirwa panguva imwe chete. Zvinosuruvarisa, kunyange zvazvo zvose zviri zviviri zvakataurwa, zviitiko zvakasiyana. Iwe unofanirwa kuribhadharira mabhiriro maviri kana sarudzo yako yakagadzirirwa nechekudzikinurwa pahuwandu hwakazara .
Kazhinji, kana motokari yako yakakanganiswa panguva mbiri dzakasiyana nedzimwe dzinokonzera zvakasiyana, yako yakazara deductible inoshanda kune imwe neimwe inoitika. Zvisinei, zvinokwanisika kuti zvisarudzo zviitwe munyaya yemhepo inoparadza . Kana motokari yako ichikuvadzwa nechimvuramabwe uye bazi remuti rinowira pamotokari yako munguva yemhepo imwechete, iyo inshuwarisi yekambani inogona kunge yakagadzirira kubhadhara imwe chete yakakonzerwa nokuti dutu rimwechete rakaunza kukanganisa.
Rudzi rweMatter Claim kana rwuri kuuya kune Multiple Claims?
Zvakanaka. Chinokosha munyaya iyi haisi kungoita kuti iwe wave uchitaura zvido zvakadini asi iwe ndeapi mhando dzezvirevi zvauri kuisa. Funga kuti ndiani aripo-mhosva uye muwandu wekuparara asati atora kuda. Inogona kuita kusiyana kukuru muchisarudzo chako chekuisa.
Nhungamiro Inofanirwa Kudiwa Inishuwarenzi Vanotakura
- • At-Fault Claims: Zviitiko zviviri pamhosva-zvinokonzerwa nemutyairi mumwe chete mumakore matatu zvinogona kuva zvikonzero zvekusasarudzwa nevakawanda vanoshandiswa inshuwarisi vatakuri.
- • Mhosva: Munyika dzakawanda, inoti iwe unopesana nemumwe mutyairi haaonekwe nehutsivhisi yako nokuti mutemo wacho unopomerwa pamutemo wepasipo. Mitemo inoshanduka muhurumende yeMichigan nekuda kwemutemo wayo wakaoma-pasina-mhosva - munharaunda iyi, kunyange zvirevo zvakaitwa kune imwe sangano zvinosvitswa pamotokari yemutambisi wako. Yakawanda inofanirwa kutakura zvinotakura zvinhu zvitatu kana kupfuura zvinopihwa mukati memakore matatu emakore.
- • Zvikwereti Zvikwereti: Kazhinji, mazita akawanda akawandisa haana kuchinja inshuwarheni yako , asi kuisa zvitatu kana kupfuura mumakore matatu zvinogona kuita kuti mitero yako iende. Zvinonyatsoenderana nekushanda kwokuti inishuwarenzi yako inobata sei zvikwereti zvakakwana. Mamwe mashuwarisi anotakura anotengesa mhosva yezvose zvinodzokorora, kunyange zvazvo vakawanda vachiri kwete. Verenga sarudzo yako yezvakanyorwa.
Nzira Yokudzivisa Nhamba Yakawanda Yekutongwa
- • Iva Nehanya: Zvirevo zvakanyanya kuisa faira zviri pamhosva. Deredza kudhaira kunokanganisa, gara mumugwagwa kana mamiriro ekunze akaipa, pesa motokari yako mugaraji kana pasi pemotokari, uye uchengetedze motokari yako iri kumusoro.
- • Kubhadhara Zvikwereti: Zviri pachena kuti kuripa kukanganisa kwemotokari yako muhomwe hakusi iwe waunoda kuita. Zvisinei, dzimwe nguva ndiyo inoshandiswa zvakashata zvachose. Chimwe chirevo chinodzvinyirira zvakakwana; kupinza muzvirevo zvakawanda uye iwe unogona kunge uchikudzura bvudzi rako. Zano rakanakisisa nderokubata nemumwe panguva. Ongorora mari yekubhadhara iwe pachako nekutsvaga kudai, nguva pfupi uye kwenguva refu, uye yeuka kuti zvirevo zvakawanda munguva shomanana zvinogona kureva kuvatsigiri vekuti uri pangozi yakakwirira, zvichiita kuti kuwedzera kuwedzere.