Izinto ezininzi zichaphazela iindleko ze-inshurensi yelori yebhokisi. Ubungakanani belori yinto yokuqala. Iloli yebhokisi yeenyawo ze-26 iya kuba ne-premium ephezulu kuneyona encinci. Inqaku lesibini lixabiso lelori. Entsha ilori iya kuxabisa ngaphezulu kwi-inshurensi kunomdala. Umba wesithathu kukusetyenziswa kwelori. Ukuba ilori isetyenziselwa iinjongo zoshishino, i-inshurensi iya kuba nexabiso eliphezulu kunokuba isetyenziselwa ukusetyenziselwa umntu. Into yesine yirekhodi yokuqhuba yomnini.
Irekhodi elihle lokuqhuba liya kubangela i-premium ephantsi. Into yesihlanu yindawo apho ilori iqhutywa khona. I-inshurensi iya kuba nexabiso elithe kratya ukuba ilori iqhutywa kwindawo enolwaphulo-mthetho oluphezulu. Okokugqibela, uhlobo lokhuselo olukhethayo luya kuchaphazela iindleko ze-inshurensi yelori yebhokisi. Umgaqo-nkqubo oquka konke kunye nongquzulwano uya kuba nexabiso eliphezulu kunomgaqo-nkqubo ojongene netyala nje.
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Ngaba i-Inshurensi yelori iyimfuneko?
Impendulo yalo mbuzo ixhomekeke kwizinto ezimbalwa. Ukuba uxhasa ilori, umbolekisi uya kufuna i-inshurensi. Ukuba urenta ilori, umqeshisi uya kufuna i-inshurensi. Ukuba usebenzisa ilori ngeenjongo zoshishino, kuyacetyiswa ukuba ube ne-inshurensi. I-inshurensi ayinyanzelwanga ukuba ungumnikazi kwaye usebenzisa ilori ngeenjongo zobuqu. Nangona kunjalo, ukuba ne-inshurensi kwimeko yengozi okanye ubusela isengumbono olungileyo.
Yeyiphi eyona-inshurensi ilungileyo yeelori?
Eyona inshorensi ilungileyo kwiilori ibanzi kunye nokungqubana kweelori. Lo mgaqo-nkqubo uhlawulela iindleko zokusilungisa ukuba isithuthi sakho sonakalisiwe kwingozi kwaye sithatha indawo yelori ukuba ibibiwe. Ukongeza ukhuseleko lwetyala kwipolisi yakho kulungile ukuba usebenzisa ilori ngeenjongo zoshishino. Oku kuya kukukhusela ukuba kukho umntu owenzakeleyo kwingozi kwaye ufunyanwe unetyala.
Leliphi iLizwe elineNshurensi yelori exabiso liphantsi?
Iilori yinxalenye ebalulekileyo yoqoqosho lwaseMelika, kwaye i-inshurensi yelori yorhwebo yindleko eyimfuneko kwiinkampani zelori. Amaxabiso ahluka kakhulu ukusuka kwilizwe ukuya kwelinye, ngoko ke iinkampani kufuneka zazi ukuba zingayifumana phi eyona ntengiso ilungileyo. I-Mississippi inelona xabiso lisezantsi le-inshurensi yelori eMelika. Oku kubangelwa yimithetho karhulumente eyekelela kwiinkampani zelori.
Umzekelo, iMississippi ayifuni iinkampani zelori ukuba zithwale i-inshurensi yetyala. Inobuncinane obusezantsi kwezinye iintlobo zokhuselo kunezinye imimandla. Ngenxa yoko, iinkampani zelori eMississippi zingonga imali eninzi kwiintlawulo zazo zeinshurensi. Ukuba ujonge amaxabiso e-inshurensi yelori aphantsi kweli lizwe, iMississippi yindawo omawuye kuyo.
Loluphi uhlobo lwe-Inshurensi efunwa yiNkampani yezoLimo?
Njengoko ishishini lelori lithembela ngakumbi kwitekhnoloji, kubalulekile ukukhusela kwimingcipheko eyodwa eyibekayo. Omnye umngcipheko onjalo lityala le-cyber, elinokuthi lize ngeendlela ezininzi, kubandakanya ukugqekeza, ukwaphulwa kwedatha, kunye nempazamo yabasebenzi. Ukuba inkampani igcina ulwazi olubuthathaka nge-elektroniki, kubalulekile ukuqinisekisa ukhuseleko kwimeko yolwaphulo.
Ngethamsanqa, imigaqo-nkqubo emininzi inokujongana nalo mngcipheko. Ngelixa bengenakufuneka ngokusemthethweni, banokugcina inkampani imali eninzi ekuhambeni kwexesha. Ke ngoko, ukuba ujonge ukukhusela inkampani yelori kuzo zonke iingozi, kuyafuneka ukuba uthathele ingqalelo i-inshurensi yetyala le-cyber.
Ingaba yimalini i-Inshurensi yokuTyala eCarlifonia?
Abaqhubi belori eCalifornia banokuzibuza ukuba zingakanani iindleko ze-inshurensi yelori yorhwebo. Umyinge we-premium kurhulumente yi-14,189 yeedola, kwaye uninzi lwemigaqo-nkqubo luya kuwela phakathi kwe-12,094 yeedola kunye ne-16,563 yeedola. Ezi ntlawulo zithatha ilori enye kunye noxanduva, imithwalo, kunye nokugubungela umonakalo womzimba. Ngokuqinisekileyo, iipremiyamu ziya kuhluka ngokuxhomekeka kwizinto ezininzi, ezifana nobukhulu kunye nohlobo lwelori, imida yokugubungela, kunye ne-deductible.
Nangona kunjalo, kubalulekile ukuqinisekisa i-inshurensi eyaneleyo nokuba imeko ithini na. Iilori zentengiso zisemngciphekweni; ingozi enye inokubiza amashumi amawaka eerandi. Ukonga kwiipremiyamu, thenga ngeenxa zonke kwaye uthelekise iireyithi ezivela kwii-inshurensi ezininzi. Ngaphezu koko, ukugcina irekhodi elungileyo lokuqhuba yeyona ndlela ilungileyo yokugcina amaxabiso ephantsi.
Yeyiphi eyona Inshorensi yeMoto ingcono?
Ngokohlalutyo lwethu lwamva nje lwedatha, i-USAA kunye neFama yoMbuso zezona nkampani zibalaseleyo ze-inshurensi yemoto. I-USAA inawona manqaku aphezulu kuphando lwethu lwabathengi kwaye ikwinqanaba lokuqala phantse kulo lonke uhlengahlengiso esiluhlalutyileyo. Ikwanayo neyona migangatho iphantsi phakathi kwee-inshurensi zemoto kwisifundo sethu. I-USAA inikezela ngezaphulelo kunye nezinto ezingafumanekiyo kwezinye ii-inshurensi, oko kuyenza ibe lolona khetho lubalaseleyo kwiintsapho zomkhosi kunye nabanye abaqhubi abafuna ixabiso.
IFama yoMbuso lolunye ukhetho olubalaseleyo lwe-inshurensi yemoto, ngakumbi kwabo bafuna inkampani enembali ende yozinzo lwezemali. IFama yoMbuso ibikushishino isithuba esingaphezulu kweminyaka eli-100 kwaye ihlala iphakathi kwabaphezulu kwiinshorensi kuphando lwethu. Nangona inganikezeli ngezaphulelo ezininzi njenge-USAA, ibonelela ngeempawu ezizodwa ezinje ngoxolelo lwengozi kunye nokutsalwa kwemali okunyamalalayo. Zombini i-USAA kunye neFama yoMbuso lukhetho oluhle kakhulu lwe-inshurensi yemoto.
isiphelo
Ipolisi ye-inshurensi yelori yebhokisi iyimfuneko kulo naliphi na ishishini elingumnini kunye neliqhuba ilori yebhokisi. Iindleko ze-inshorensi ziya kwahluka ngokuxhomekeka kwizinto ezininzi, kubandakanywa ubungakanani kunye nohlobo lwelori, imida yokugubungela, kunye ne-deductible. Nangona kunjalo, uninzi lwemigaqo-nkqubo luya kubiza phakathi kwe-12,094 yeedola kunye ne-16,563 yeedola ngonyaka. Ukufumana awona maxabiso angcono, thenga ngeenxa zonke kwaye uthelekise iikowuti ezivela kwii-inshurensi ezininzi.
