Kufotokozera kwa Third Party Car Insurance – Forbes Advisor Australia

Palibe dalaivala amene amafuna kuganiza za ngozi pamsewu, koma aliyense ayenera kukonzekera. Inshuwaransi yamagalimoto yachitatu imatsimikizira kuti muli ndi chitetezo chandalama kuti muteteze ndalama zokhudzana ndi kuvulala kapena kuwonongeka kwa magalimoto ndi katundu zomwe mungayambitse mukuyendetsa.

Nthawi zambiri sizipereka magawo ovomerezeka komanso osankha a inshuwaransi ya chipani chachitatu ngati galimoto yanu yaphwanyidwa kapena kukhala yopanda ntchito pangozi. Chifukwa chake, onetsetsani kuti mwawunika mtengo waulendo wanu ndi momwe adzagwiritsire ntchito musanasankhe inshuwaransi ya chipani chachitatu.

Ngati makasitomala anu okonda bajeti sakutsimikizirani kuti mudzapatsidwa ndalama zambiri pachaka kuti mukhale ndi ndondomeko yokwanira yokhala ndi chivundikiro chokulirapo, munthu wina akhoza kungokuyenererani. Kukuthandizani kusankha, nazi zonse zomwe muyenera kudziwa zokhudza inshuwaransi yamagalimoto yachitatu.

Mitundu yosiyanasiyana ya inshuwalansi ya galimoto yachitatu

Pali magawo atatu a inshuwaransi yamagalimoto ena ku Australia omwe amakulipirani pamikhalidwe yosiyanasiyana mukamayendetsa: Mokakamiza Wachitatu (CTP), Kuwonongeka kwa Katundu Wachitatu ndi Moto Wachitatu ndi Kuba. Tiyeni tifufuze zonse:

Compulsory Third Party Car Insurance (CTP)

Ndikofunikira kukhala ndi Cash Transfer Program (CTP) ku Australia. Ngakhale dzina lake limasiyanasiyana pakati pa mayiko – nthawi zina amatchedwa “kuponi wobiriwira” kapena “inshuwaransi yovulaza galimoto” – ndipo tsatanetsatane wa ndondomekoyi amasiyana, kawirikawiri, imakhudza udindo wanu, ndi aliyense amene amayendetsa galimoto yanu, chifukwa chovulala kwa ena. Ngozi yagalimoto. Imakhudzanso zodandaula zilizonse zomwe munthu wavulala chifukwa cha ngozi.

Onani zambiri za dera lanu kapena gawo lanu apa:

  • New South Wales: Pulogalamu yotumiza ndalama imayang’aniridwa ndi State Insurance Regulatory Authority ku New South Wales, komwe imatchedwanso ‘Green Coupon’. Madalaivala amagula chithandizo kudzera m’makampani a inshuwaransi payekha, zomwe zikutanthauza kuti mitengo imatha kusiyana. Kuchuluka ndi ndondomeko ya malipiro amasiyana malinga ndi kuopsa kwa chovulalacho, koma chikhoza kukhala moyo wonse ngati kuli kofunikira, mosasamala kanthu za vutolo.
  • Victoria: Ndalama zolipirira ngozi zagalimoto zikuphatikizidwa ndi ndalama zolembetsera a Victorian, ndi inshuwaransi ya Transport Accident Commission (TAC) ya oyendetsa. TAC siyolakwika, ndipo opereka chithandizo amayang’anira zinthu monga chithandizo chamankhwala, kukonzanso, uphungu, kukonzanso nyumba ndi thandizo la ndalama.
  • Australian Capital Territory: Inshuwaransi ya ngozi zagalimoto (MAI) imayendetsedwa ndi makampani a inshuwaransi omwe amayang’aniridwa ndi boma. Zolipiridwa polembetsa, kuphatikiza chithandizo, chisamaliro, ndi mapindu otaya ndalama kwa zaka zisanu mosasamala kanthu kuti ndi ndani yemwe anali ndi vuto (kuphatikiza inu, madalaivala ena, oyendetsa njinga, ndi oyenda pansi).
  • Queensland: Motor Accident Insurance Authority (MAIC) imayendetsa inshuwalansi ya CTP ku Queensland ndipo imayendetsedwa ndi makampani apadera. Zimakhudza chithandizo chamankhwala, kukonzanso ndi “malipiro abwino”. Komabe, ngati wokhudzidwayo ali ndi udindo kapena palibe amene ali ndi vuto, MAIC ikuti muyenera kudalira tchuthi chodwala, mapindu a Centrelink, Medicare, ndi mabungwe azaumoyo kapena aboma.
  • Tasmania: CPT imayendetsedwa ndi bungwe la boma, Motor Vehicle Accident Insurance Board (MAIB), ndipo imalipidwa limodzi ndi kulembetsa magalimoto. Zimapereka chithandizo chamankhwala, zolemala komanso ndalama zopanda vuto.
  • Western Australia: Inshuwaransi yovulala pamagalimoto imayendetsedwa ndi Inshuwaransi ya Western Australia ndipo iyenera kulipidwa polembetsa. Lili ndi zigawo ziwiri: Chovomerezeka Chachitatu Chachitatu (CTP) ndi Catastrophic Injury Support (CIS). Yoyamba imakhudzanso madalaivala ena pamitengo yokhudzana ndi kuvulala ndi kufa, pomwe gawo lomaliza limakhudza kuvulala koopsa kapena kofooketsa komwe kumafuna chisamaliro chamoyo wonse. Mutha kunenabe ngati ndinu dalaivala wolakwa, koma pali zolepheretsa pa izi.
  • South Australia: Mutha kusankha inshuwaransi ya CTP panthawi ya reinsurance kuti muteteze kuvulala kapena imfa yomwe mumayambitsa. Mudzatha kupempha chipukuta misozi ngati simunalakwe pa ngoziyo kapena ngati muli ndi udindo wochepa.
  • Northern Territory: The Cash Transfer Program (CTP) imaphatikizidwa ndi ndalama zogulira galimoto yanu, zomwe zimalipira ndalama zachipatala ndi kukonzanso komanso chithandizo chandalama. Imayendetsedwa kudzera mu NT Auto Accident Compensation Commission ndipo ndi njira yopanda vuto (kutanthauza kuti aliyense atha kupeza phindu posatengera kulakwa kwake) ndipo imakhudza oyenda pansi, okwera njinga, oyendetsa, apaulendo ndi oyendetsa njinga zamoto.

Inshuwaransi yagalimoto motsutsana ndi kuwonongeka kwa katundu

Uwu ndiye mulingo woyambira wa inshuwaransi ya chipani chachitatu yomwe madalaivala angasankhe ngati akufuna kubweza zowonongeka zomwe mungabweretse kwa anthu ena. magalimoto kapena katundu poyendetsa galimoto. Pa ngozi imodzi, ma inshuwaransi akuluakulu ambiri amaika malire olipira $20 miliyoni.

Malamulo ena angaphatikizepo ndalama zochepa (nthawi zambiri pafupifupi $ 5,000) kuti muphimbe galimoto yanu ngati ngoziyo inayambitsidwa ndi dalaivala wosatetezedwa ndipo mukhoza kutsimikizira kuti anali wolakwa kwathunthu. Koma kawirikawiri, inshuwaransi ya chipani chachitatu sichimaphimba galimoto yanu.

Chipani chachitatu moto ndi kuba

Monga momwe dzinalo likusonyezera, mulingo uwu wa inshuwaransi umawonjezera chitetezo cha kuwonongeka kwa galimoto yanu chifukwa cha moto kapena kuba. Ambiri omwe amapereka inshuwaransi amaika malire a $10,000 pamalipiro muzochitika izi, koma nthawi zambiri mumasankha ndalama zenizeni zomwe zikugwirizana ndi mtengo wa galimoto yanu. Kufunika kwapamwamba kwambiri kumawonjezera premium yanu.

Othandizira ena amaphatikizanso njira zowonjezera mkati mwa ambulera iyi. Izi zingaphatikizepo kulipira ndalama zokokera moto kapena galimoto yomwe yawonongeka ndi akuba kwa wokonza, kubwereka galimoto pamene ikukonzedwa kapena kusinthidwa (kawirikawiri mpaka masiku 21), ndi kuphimba zinthu zina zamtengo wapatali zomwe zabedwa kapena zowonongeka mkati mwa galimoto yanu (kawirikawiri zimakwera. mpaka $500).

Ndi chiyani chomwe sichimaperekedwa ndi inshuwaransi ya anthu ena?

Ngakhale mutakhala ndi chivundikiro cha CTP komanso mfundo zoyambira za anthu ena, galimoto yanu sidzalipidwa pakuwonongeka kulikonse, kuphatikiza kuvala, kulephera kwamagetsi kapena makina, komanso kuwonongeka kulikonse komwe kumachitika pakachitika zinthu zosaloledwa (monga kuyendetsa galimoto mutakokedwa) – pokhapokha mumasankha kufalitsa Kulimbana ndi moto, kuba ndi zonena zimagwirizana ndi izi. Ngati mukufuna mtendere wamumtima, ganizirani za inshuwalansi ya galimoto.

Third party auto insurance vs comprehensive insurance

Mwachidule, inshuwaransi yokwanira yamagalimoto imaphatikizapo zonse zomwe zili mundondomeko ya chipani chachitatu, ndikuwonjezera kufalikira kwa mawilo anu pamwamba kuti mupeze ndalama zambiri. Zomwe zikuphatikizidwa zimatengera wopereka chithandizo, ndondomeko, ndi zina zilizonse zomwe mwavomereza kuti muwonjezere (ndi malipiro owonjezera). Izi zitha kupitilira kuchokera ku chivundikiro chonse ngati galimoto yanu yathyoka, kukoka, kuyenda ndi mtengo wogona mutachita ngozi.

Monga chivundikiro cha chipani chachitatu, malamulo a bulangeti samalipirabe mtengo wokhudzana ndi kuvala ndi kung’ambika, ndipo mwina pangakhalenso zosiyana: Onetsetsani kuti mwayang’ana Chidziwitso Chowululira Zamalonda (PDS) kuti mumve zambiri.

Momwe mungatumizire chiphaso cha inshuwaransi yagalimoto kwa munthu wina

Onetsetsani kuti mwalemba zambiri momwe mungathere panthawi ya ngozi – izi zimapereka umboni wothandizira inshuwalansi yanu. Mukatsimikizira chitetezo cha onse okhudzidwa ndikuwuza apolisi zomwe zachitika, onetsetsani kuti mwatolera:

  • Dzina, manambala, mbale zolembetsera magalimoto ndi zambiri za inshuwaransi za onse ogwiritsa ntchito pamsewu.
  • Tsiku ndi nthawi ya ngozi.
  • Misewu ndi zochitika zomwe zidapangitsa ngoziyi.
  • Zithunzi zilizonse zowonongeka kwa magalimoto.
  • Lumikizanani ndi mboni iliyonse

Pankhani ya CTP, funani chithandizo chamankhwala mwachangu (sungani zikalata zilizonse), kenako pitani kwa wothandizira wa CTP kapena bungwe la boma kuti mukapereke chiwongola dzanja. Ngati mukupanga chigamulo cha umwini wa chipani chachitatu, funsani wopereka chithandizo pa nthawi ya ngozi kuti muwone ngati pali njira zomwe muyenera kuchita (monga kukokera magalimoto owonongeka kwa wokonza enieni). Kenako, perekani zonena zanu ndi umboni womwe uli nawo posachedwa.

Mafunso omwe amafunsidwa pafupipafupi (FAQs)

Kodi inshuwaransi yagalimoto ya anthu ena imawononga ndalama zingati?

Malipiro a CTP amadalira komwe muli (dziko ndi zip code) komanso kukula kwa galimoto yanu. Pali chiwongola dzanja chochepa m’maboma ndi madera omwe mapulogalamu otumizira ndalama amayendetsedwa kudzera m’mabungwe aboma, pomwe zolipirira zimasiyana pang’ono pomwe makampani a inshuwaransi amayang’anira ndondomeko zawo (ngakhale mpikisano ukulamulidwa ndi boma).

Malamulo ena a chipani chachitatu angaganizire zina zowonjezera posankha zolipirira, monga zaka zanu, jenda, mbiri yoyendetsa galimoto, mbiri ya inshuwaransi, kupanga ndi mtundu wagalimoto yanu. Mutha kupeza kuchotsera kuti mukhalebe okhulupirika kwa omwe amapereka inshuwaransi kapena musanene chilichonse pa ndondomeko yanu, choncho onetsetsani kuti mukufufuza zomwe muli nazo.

Kodi Ndikufunika Inshuwaransi Yagalimoto Yanji Yachitatu?

Kodi kuipa kwa inshuwaransi ya anthu ena ndi chiyani?

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