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Ukulahlekelwa kokusetyenziswa kuchazwe
Marcel ter Bekke / Moment Imfono / i-Getty Images Iindaba Abahambi bebhajethi bangathi ukuhlawula imali eyongezelelweyo kwintyhuwalense evela kwinkampani kuphakathi kwezona ziphoso eziqhelekileyo zokuqeshisa imoto . Kodwa iinkampani zifumene indlela yokufaka ingabaza kwi sigqibo sokuhla. Ukungathandabuzeki kuvela kwinto ethile ngoku ibiza ngokuba "ukulahleka kokusetyenziswa."
Ukuba unengozi ngemoto eqashiweyo, eso sithuthi sinokukhishwa kwintlawulo yeentsuku eziliqela njengoko kulungiswa.
Iinkampani zokuqeshisa imoto ngoku zicela ukubuyiselwa kweengeniso ezilahlekileyo ukuba isithuthi sasiza kuveliswa ukuba sasingekho kwigaraji lokulungisa.
Ukuba unecala ngengozi, iinkampani ezininzi zokuqeshisa ziya kulindela wena okanye umgcini wakho womshuwalense ukugubungela eli lahleko, elimalunga nomrhumo wendawo yokuqeshisa imihla ngemihla ephindaphindiweyo ngenani leentsuku imoto eyonakalisiwe ayikho ikhomishini.
Esinye isikhalazo abameli kufuneka babuyele kuwe xa unqabile u-inshurensi yabo eyamaxabiso enzame yokugcina imali kwimali yokuqashisa imoto . Abaninzi baqeqeshwe ukwenzela ukunciphisa inkcazo yenkampani ngokungenakukhuseleka kunokwenzeka. Ukuba uthe i-inshurensi yakho yomshuwalense ubandakanya ukurenta, baya kuphendula ukuba akunakwenzeka ukuba ukulahlekelwa kweendleko zokusetyenziswa kufakiwe.
Ngelishwa, zichanekile.
Ngenxa yokuba inkokhelo entsha, kungenzeka ukuba umgaqo-nkqubo owamukeleyo kwiminyaka emininzi edlulileyo awufihla ukulahlekelwa kwintsebenzo.
Kodwa ungadikibala kwimizamo yakho yokufumana amazinga angcono okuqashisa. Ukuthenga umgaqo-nkqubo wenkampani yokuqeshisa imoto umgaqo-nkqubo ongekho ngethuba akukhethi kuphela. Funda ukuze ufumane amacebo athile kwi-inshurensi yokuqeshisa imoto.
02 ka 03
Ukulahlekelwa koMsebenzi kunye neKharity Card Credit
Shekhar Kumar / Moment Mobile / Getty Images Iindaba Ubuninzi bemali yokuqashisa imoto egcinwe kwikhadi lekhredithi. Kodwa yiyiphi ikhadi eliza kulusebenzisa?
Amakhadi amaninzi e-Visa, MasterCard kunye ne-American Express aya kunika inkxaso yomshuwalense wokuqeshisa imoto, kuquka ukukhuselwa kwamabango asetyenziso.
Ingxelo ebanzi, kwaye akusiyo yonke into ofuna ukuyifumana.
Okokuqala - kwaye mhlawumbi ngokucacileyo - kufuneka usebenzise le khadi ukuze ubhale ukuqeshisa. Ukufumana nje i-akhawunti kunye nekhamera yekhadi lesikweletu ngeke kwanele.
Isinyathelo sesibini kukuba uqinisekiswe ukuba ugqitywe ngumniki-makhadi othile omele kwi-wallet okanye isikhwama sakho.
Amaninzi amaninzi, oku kungenziwa ngokukhawuleza kwi-intanethi okanye ngokusebenzisa umnxeba kwinombolo yenkonzo yomthengi eprintiweyo kwikhadi lakho. Kubalulekile ukuba ungenzi izigqibo. Olu hlobo lokubhengezwa alukho oluqhelekileyo kwaye luyakwazi ukuhluka phakathi kweenkampani.
Ihlawulela ukwenza le mibuzo kummandla apho ungekho phantsi kwengcinezelo ukuba ubhalisele i-inshurensi ebiza kwi-counter counter.
Khumbula lo mgaqo-jikelele: ukukhawulelwa kwekhadi lokukhishwa kwekhadi lokuthenga ngetyala kungathatha iindleko zokudibanisa, kodwa kunqabile-ukuba kukho-kunika i-coverage.
Ngaba ngaba kukho amaxesha apho kufuneka uhlawule eyongezelelweyo loo nkonzo yomshuwalense inkampani yokurenta inika? Emva koko, siya kuqwalasela ezimbalwa iimeko.
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Xa Ufanele Uwamkele iNkampani Yenkampani Yokuqashisa
UMel Bouzad / Getty Izithombe Uonwabo Ukulahlekelwa kokusetyenziswa kwegatya angeke kubonakale kwipolisi yomshuwalense wakho. Kwakhona kungabikho kwi-card credit card yakho. Ngelo xesha, kuya kufuneka uqikelele ingozi.
Ukulahlekelwa kweMandla kunokulinganisela kwimali engaphantsi kune-deductible kumgaqo-nkqubo wakho. Ngaphandle kokuba imoto idinga ukulungiswa ngokubanzi, eli xabiso liza kungena phantsi kwe $ 1,500. Ungayibona njengengozi ekufuneka ithathe.
Kodwa kukho amaxesha apho kuya kufuneka ulahle ngaphandle kweengcebiso eziqhelekileyo, ubeke amazinyo akho kwaye uhlawule imali eyongezelelweyo ngokuqinisekisa ngeenkampani zokuqeshisa imoto.
Abo bangenawo umgaqo-nkqubo we-inshurensi yemoto baya kufuna ukujongisisa ngokukhawuleza kwenkcazo yenkampani. Kodwa abo abane-auto inshurensi kunye neengozi ezininzi kwiirekhodi zabo nazo kufuneka benze njalo.
Ngoba? Ngenxa yokuba iinkampani zokuqeshisa imoto zizinqabisa izithuthi zabo. Izithuthi zabo zinkulu kangangokuthi baqhelana nomsebenzi wokulungisa ngaphandle kokubandakanya inkampani yomshuwalense. Bafumana amaxabiso athile avela kubathengisi abaxabisa i-volume yezorhwebo.
Oku kuthetha ukuba abayi kubika ingozi yakho kwiinkampani zomshuwalense. Ingangena kwiipolisa ingxelo uze ufike kwi-insurer yakho ekugqibeleni, kodwa kuncinci.
Kwakhona kubalulekile ukuqwalasela ukufumana ingxelo yenkampani ukuba uqeshisa ngaphandle kwelizwe lakho. Imigaqo-nkqubo ye-inshorensi ngokuzenzekelayo ayifumaneki ngokukhawuleza ezo zirenti, kwaye ukukhutshwa kwekhadi lesikweletu ngokuqhelekileyo akubandakanyi ezinye zezona ndawo ezikhethwe njengezokhenketho ezifana ne- Ireland , iMexico kunye ne-Israel.