Maererano neNational Association of Insurance Commissioners (NAIC), inenge 20 muzana yevashandi vese vanoita motokari vanozoshandisa kushandiswa-inshuwalisi mukati memakore mashanu anotevera.
Kana imwe purogiramu yeTelematics yakaiswa mumotokari yako, inotarisa kufamba kwako kwekufambisa uye inozvinyora. Zvimwe zvezviitiko zvinotariswa zvinosanganisira kupi uye nguva ipi paunenge uchityaira, nhamba yemakiromita iwe unotyaira, chero nguva yekukurumidzira nokukurumidza kana kuoma kunorwa. Kunyange zvazvo vamwe vatyairi vataura nezvekunetseka pamusoro pehupfumi hwemashoko evanhu vakaungana, makambani makuru anopa kushandiswa-based inshuwarisi, yakadai seProgressive Insurance , vanotaura kuti hapana chido chekutsvaga dhepfenyuro yemunhu wega uye data haina kugoverwa nevamwe vechitatu.
Inoshandiswa sei-based auto auto inshumo yakasiyana neyendarama auto insurance? Nechitsika chemishuwarenzi yemotokari, bhadharo yako yveshuwarisi inotsanangurwa nezvimwe zvinhu zvakasanganisira kushandiswa kwemotokari kare, kuita uye muenzaniso wemotokari yako, mileage uye kuti unoshandisa sei motokari yako (sekushandisa motokari kuti idze marefu marefu kuenda kumabasa kana chete nokuda kwekufambisa motokari).
Ndeipi tsika yemagariro yemitemo isingarangariri iyo inoshandiswa muhomwe yehushuwarisi kuburikidza nekushandiswa-based inshurenzi ndiyo yako maitiro emotokari. Somuenzaniso, kunyange iwe wakanga uine zviitiko munguva yakapfuura, unogona kuva mutyairi wakachengeteka iye zvino.
Usage-based inshuwarisi inowanikwa-win inowanikwa ne policyholder uye kambani ye inshuwarisi mune izvo inopa chikonzero chekutyaira kuti atore nzira dzakachengeteka dzekutyaira izvo zvadaro, kuderedza nhamba yezviitiko uye nhamba yezviti iyo kambani yerinishuwarenzi inofanira kubhadhara kunze.
Chimwe chinhu chinowanikwa kune policyholder ndechekuti kana iwe ukachinja mukati memwedzi unogona kuchinja purogiramu yako; somuenzaniso, iwe unorega basa rako rezuva rega roga uye uchitanga kushanda kubva kumusha, kupera kwako kwepamuviri kunotanga kushanda nokukurumidza.
Kunyange zvazvo kushandisa-based auto inshuwarisi ingasave yevanhu vose, vanhu varipo vachibhadhara zvikwereti zvepamusoro zvemishonga yemari yepamusoro nokuti vakave vakazvidzivirira sevanotengesa pangozi zvikuru vanogona kuwana kuti kushandiswa-inshuwarisi inogona kuvhara mari yemishonga yemishonga yehurumende zvikuru. Haasi wega wega yunivhesiti yehushumo inoderera nebhasi-as-you-drive inshuwarisi. Kunyange zvazvo vamwe vanhu vachawana mari yakawanda, mamwe madhairamu emotokari yemishuwarenzi achakwira.
Kunyangwe kana auto yako inshuwarisi inopa ushandisi-based inshuwarheni, iyo chirongwa chokuzvidira uye kwete kutenderwa. Kana iwe usingadi kuti deta yako iungane uye yatumirwa kune yako inshuwarisi kambani nefoni yeterematics, ipapo rudzi urwu rwepurogiramu harungasviki kwauri. Kana uine mibvunzo yakananga pamusoro pekuti data inounganidzwa uye kuti inoshandiswa sei, unofanira kufambisa kambani ye inshuwarisi inopa purogiramu yacho. Kambani yeInishuwarenzi inofanira kuva nekutambisa pa webhusaiti yayo inotaurira zvakawanda pamusoro pemutemo wayo wepachivande uye kuti chero dunhu rega rega rakaungana richashandiswa sei.
Iyo inyanzvi inoshandiswa pakushandiswa-inshuwarisi yakashandiswa inowedzerawo mukana wekuti mamwe mafambisi ekufambisa ayo vazhinji vashandisi vashandise vangawana zvakakosha zvakadai semitambo yepamusoro yemotokari, kuvhara motokari yekutsvaga uye maitiro ehutano evanhu vanogona kupindura. Zvinokwanisika kuti mune ramangwana, vazhinji vanogadzirisa motokari vachatanga kuisa zvinhu izvi muzvirongwa zveBI.
Usati wasarudza chero ipi zvayo yekushandiswa-based auto insurance program, zvakanakisisa kuita basa rako rechikoro. Verenga pamusoro pekambani inopa purogiramu uye uverenge ushumiri hwehupupuriro hwekuti chirongwa chakavashandira sei. Iwe unogona kuverenga pamusoro pezviitiko zvevashandi ve auto policyholders vari kushandisa kushandiswa-based inshuwarisi kusanganisira idzi makambani avo vari kupa zvino-use-based inshuwarisi: Nationwide Insurance ( Nationwide SmartRide Program ); Esurance ( Esurance DriveSense Program ); Safeco ( Safeco Rewind - iyi chirongwa chinopa kuregererwa kwekukanganisa nenzira yekubvisa zvikwereti kubva pamotokari yako yepamusoro purogiramu yekutyaira kwakachengeteka); uye Metromile , iyo inotsika motokari yako yeruzhinji premium pamari yemamaira iwe unotyaira .
Nekuda kwekushandisa-based auto inshuwarisi paunokura, unogona kuva nechokwadi uye vazhinji vanowedzera bhizimisi vachatanga kupa mapurogiramu aya kune avo vanoita zvematongerwo enyika munguva pfupi iri mberi.