Uma sithatha umshwalense wemoto, kubalulekile ukwazi ukuthi sihlanganiswa kangakanani ngokumelene nezimo zezulu ezehlukene ezingalimaza imoto yethu. Kusukela esichothweni kuya ezikhukhuleni ezimbi kakhulu, umonakalo womkhathi ngokungangabazeki ukhathaza abashayeli abaningi. Kulesi sihloko, sizohlola ngokuningiliziwe ukuthi yiziphi izinhlobo zomonakalo wesimo sezulu ezingase zimbozwe umshwalense wemoto nokuthi yini okufanele uyenze uma imoto yakho ithintwa noma yisiphi salezi zigameko.
Ngokushintsha kwesimo sezulu okwenza izivunguvungu zibe zingalindelekile, ukwazi ukuthi umshwalense usivikela kanjani kulezi zimo kubalulekile. Ukwengeza, kubalulekile ukuqonda ukuthi kunini lapho umshwalensi wethu okufanele aphathe khona ukulungisa nalapho kuqala ukusebenza Inhlangano Yesinxephezelo Somshwalensi, i-ejensi yombuso ebhekelela izehlakalo ezithile ezingavamile. Ake sibone lonke ulwazi oludingayo ukuze uzilungiselele noma yisiphi isenzakalo sezulu esingalindelekile.
Yini umonakalo wesimo sezulu?
Uma sikhuluma ngokulimala kwesimo sezulu emotweni, sikhuluma ngomonakalo odalwe yisimo sezulu njengesichotho, izikhukhula, umoya onamandla noma amagatsha awa ngesikhathi kunesiphepho. Lezi izehlakalo ezingabangela yonke into kusukela ekulimaleni okuncane kobuhle kuye ezinkingeni ezinkulu, njengamafasitela aphukile noma ukucekelwa phansi ngokuphelele kwemoto.
Umonakalo ovame kakhulu Ziwumonakalo wokusebenza komzimba okubangelwa isichotho esiwayo, ukuphuka kwamalambu angaphambili noma amawindi omoya ngenxa yezinto ezijikijelwa umoya onamandla, nezikhukhula ezingalimaza injini noma izingxenye zikagesi zemoto.
Ngokuvamile, ukuvimbela lolu hlobo lwesigameko kuyinkimbinkimbi, ngoba ezimweni eziningi azibikezeli. Nokho, ukwazi ukuthi kwenziwa kanjani uma kwenzeka kanye nokwazi imininingwane yenqubomgomo yethu kungenza umehluko omkhulu.
Umshwalense wemoto ukhavani uma kwenzeka umonakalo wesimo sezulu?
Ukukhava okunikezwa umshwalense wemoto ngokumelene nomonakalo odalwe izenzakalo zomkhathi Kuncike ngqo ohlotsheni lwenqubomgomo esinenkontileka nemibandela yayo ethile. Ngokuvamile, umshwalense ophelele yilowo onikeza ileveli yokuvikela ebanzi, kodwa akuwona wonke umshwalense onwetshiwe wenkampani yangaphandle ohlanganisa ukufakwa okufanayo.
Isichotho yisibonelo esihle. Nakuba ezinye izinkampani zomshwalense ziyihlanganisa ekuhlinzekeni kwazo okuphelele noma ezindleleni ezinwetshiwe zezinkampani zangaphandle, ezinye izinkampani zidinga ukuthi wenze inkontileka yesandiso esengeziwe ukuze lolu hlobo lomonakalo lumbozwe.
Nokho, endabeni yezikhukhula, kuvame ukuba njalo i-Consortium Yesinxephezelo Somshwalense ovala umonakalo, inqobo nje uma lesi sigameko semvelo sithathwa njengengozi engavamile. Lesi sigungu sikahulumeni sisebenza lapho umonakalo ungeke ukhavwe abahlinzeki bomshwalensi abazimele, kodwa ukuze i-Consortium ingenele kuyadingeka ukuba nomshwalense we-consortium, okungukuthi, okungenani ukukhokhelwa okungaphezu komshwalense oyisibopho.
Iqhaza leNhlangano Yezinxephezelo Zomshwalense
Okuthile abashayeli abaningi abangakwazi ukuthi i-Insurance Compensation Consortium inesibopho sokunxephezela ezimeni zomonakalo ongavamile njengokuthi ukuzamazama komhlaba, amagagasi amakhulu, ukuqhuma kwentaba-mlilo noma izikhukhula ezingajwayelekile. Nokho, izehlakalo ezivame kakhulu njengesichotho noma iqhwa azimbozwanga ngokuqondile yile nhlangano, njengoba zingabhekwa njengezenzakalo ezingavamile ngokuvumelana neSitatimende Sezomthetho Se-Consortium.
Ungasifaka kanjani isicelo sokulimala kwesimo sezulu?
Uma imoto yakho ilinyazwe isimo sezulu, isinyathelo sokuqala kuzoba ukwazisa isigameko. ngokushesha kumshwalense wakho. Ezimweni eziningi, kunezinsuku zokugcina okungafanele zeqiwe, futhi ngaphezu kwalokho, isivinini sesaziso singasheshisa umbono wochwepheshe kanye nenqubo yesicelo.
Kunconyiwe vikela imoto Uma kungenzeka, thatha izithombe ngezindlela ezihlukahlukene futhi ulondoloze noma imaphi amadokhumenti afanelekile njengama-invoyisi adlule noma imibiko yochwepheshe. Uma umonakalo udalwe isenzakalo esiyinhlekelele (njengesikhukhula esikhulu), kungenzeka kakhulu ukuthi Inhlangano Yesinxephezelo Somshwalensi kuzodingeka ingenele, inqobo nje uma izimfuneko ezithile ziye zahlangatshezwana nazo, njengokuba nenqubomgomo yamanje kanye nokwazi izinkokhelo.
Imuphi umonakalo i-Consortium engawufaki?
I-Consortium Yesinxephezelo Somshwalensi ayinasibopho ngawo wonke umonakalo imoto engase iwuhluphe phakathi nesenzakalo sezulu. Ngokwesibonelo, isichotho neqhwa Azingeni ngaphansi kohlaka lwezingozi ezingavamile ezimbozwe yi-Consortium. Kulezi zimo, kuzoba umshwalense ozonquma ukuthi kukhona yini ukukhava ngomonakalo.
Ngokufanayo, i-Consortium ayifaki Umonakalo odalwe ukuchichima kwedamu noma indle, noma lezo lapho umuntu onomthwalo wemfanelo oqondile angabonakala khona, njengokuwa kwesihlahla esitshalwe endaweni yomuntu siqu.
Amathiphu okufanele embozwe ngokumelene nokulimala kwesimo sezulu
Kubalulekile ukwazi imininingwane yomshwalense wemoto yakho ukuze ugweme izinto ezingalindelekile ezingemnandi uma kwenzeka ingozi. Nawa amanye amathiphu okuqinisekisa ukuthi uvikelekile ngokumelene nezehlakalo zesimo sezulu:
- Hlola ukufakwa womshwalense wakho wemoto ngaphambi kokuba kufike ubusika noma inkathi yemvula enkulu. Ezinye izinkampani zinikeza ukufakwa okwengeziwe okungase kube usizo kuwe.
- Kunconywa njalo gcina imoto egaraji uma ingasetshenziswa, ikakhulukazi ngezikhathi lapho iziphepho nemvula kuvame kakhulu.
- Uma umshwalense wakho uyisisekelo senkampani yangaphandle, cabanga yandise ukuvala umonakalo ongase ube khona emafasiteleni noma umsebenzi womzimba obangelwa isichotho noma umoya onamandla.
Indlela yokuphatha ukukhanda izimoto
Esimeni lapho imoto yakho ilimale futhi umshwalense wakho ukhava umonakalo odalwe yisimo sezulu, umshwalense ngokuvamile nguye ophethe lo msebenzi. Lokhu kuvame ukuhlanganisa ukukhetha isitolo sokulungisa esihlotshaniswa nenkampani, noma, uma unenkontileka yokuzikhethela kwamahhala, unganquma ukuthi ufuna ukuyisa kuphi imoto.
Isikhathi esithathwayo ukulungisa sizoncika kubukhulu bomonakalo kanye nokuba khona kwama-workshops. Khumbula ukuthi uma uthathe umshwalense nge-deductible, cishe kuzodingeka ukhokhe ingxenye yezindleko zokulungisa.
Kubalulekile ukuthi kucace ukuthi, ngomonakalo othile odalwa yizimo ezimbi kakhulu, njengemimoya enamandla noma izikhukhula, ngeke kudingeke ukhokhe lutho, njengoba umshwalense noma i-Consortium izobhekana nezindleko, inqobo nje uma izimo zenqubomgomo zifinyelelwa.
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