Kodi chiwongola dzanja cha inshuwaransi ndi chiyani ndipo ndimachilemba bwanji? (2022)

Kodi inshuwaransi ndi chiyani?

Mukapereka chiwongola dzanja cha inshuwaransi, mukupanga pempho lovomerezeka la zowonongeka zomwe zaperekedwa ndi inshuwalansi yanu. Pali mitundu yambiri ya inshuwaransi, kuphatikizapo inshuwaransi ya moyo, inshuwaransi yakunyumba, ndi inshuwaransi yachipatala. Mtundu uliwonse wa policyholder amafuna kusungitsa zodandaula kuti alandire chipukuta misozi. Nkhaniyi ifotokoza momveka bwino za inshuwaransi yamagalimoto.

Mtundu wa zomwe mumapereka zimatengera momwe zinthu ziliri, ndipo ngati mukupanga ngozi pambuyo pa ngozi yagalimoto, ndiye kuti ili ndi vuto. Izi zidzatsimikizira kuti ndi gawo liti la ndondomeko yanu yomwe imakhudza kutaya ndalama zanu. Mwachitsanzo, ngati galimoto yanu ikuwoneka kuti yatayika kwathunthu pambuyo pa ngozi, kubwerera kwanu kudzachokera mgalimoto yanu inshuwalansi ya ngozi. Ngati muvulala pangozi, mwinamwake mudzawona kubwerera kuchokera Chitetezo chamunthu kuvulala Kufunika (PIP).

Kumbukirani kuti kuyika chiwongola dzanja kumatha kukweza mtengo wanu ikafika nthawi yokonzanso ndondomeko yanu.

Kodi ndondomeko ya inshuwalansi ya galimoto ndi yotani?

Ngati galimoto yanu yawonongeka chifukwa cha kuwonongeka, masoka achilengedwe, kapena ngozi, muyenera kulembera inshuwalansi ya galimoto. Talemba zomwe muyenera kuchita pansipa:

Perekani lipoti la apolisi

Kutengera ndi momwe zinthu ziliri, mungafunikire kulumikizana ndi aboma pakachitika ngozi, kuba, kapena zovuta zina. Akuluakulu adzafufuza, ndipo lipoti la apolisi lipanga nkhani mwatsatanetsatane yomwe kampani yanu ya inshuwaransi idzagwiritse ntchito kuti mudziwe ngati mukuyenerera kulandira chipukuta misozi.

Kusonkhanitsa zidziwitso ndikulemba kuwonongeka

Wopereka inshuwaransi wanu adzafunika zambiri momwe angathere kuti asankhe kapena ayi.

Nawa mndandanda wazomwe mungapatse kampani yanu ya inshuwaransi mukapanga chiwongolero:

  • Ndalama zachipatala za chithandizo chomwe munalandira pambuyo pa ngozi ya galimoto
  • Mayina, mauthenga okhudzana ndi inshuwalansi kwa madalaivala onse okhudzidwa
  • Zambiri zamagalimoto (kupanga, mtundu, chaka ndi PIN) ndi manambala amalaisensi pamagalimoto onse okhudzidwa
  • Zithunzi ndi/kapena mavidiyo a kuwonongeka kwa katundu – notarized M’mbuyomu sunthani galimoto yanu
  • Chidziwitso chilichonse cha mboni zowona ndi maso mungathe kuzipeza

Yang’anani zomwe mwalemba ndikudziwitsani inshuwaransi yanu

Musanapereke chigamulo chanu, yang’anani chikalata chanu kuti muwonetsetse kuti mukudziwa zomwe zaphimbidwa, malire azomwe amalipiritsa ndi zomwe ndalama zanu zimachotsedwa. Izi zidzakuthandizani kupewa kudandaula za chinthu chomwe sichinaphimbidwe kapena chomwe chimawononga ndalama zocheperapo kuposa deductible.

Pamene mgwirizano wanu uganiziridwa, funsani wothandizira inshuwalansi. Wothandizira inshuwaransi adzakufunsani zambiri za zomwe mukufuna ndikulozerani ku tsamba lawebusayiti kapena pulogalamu yam’manja komwe mungalembe fomu yofunsira.

Ndibwino kuti mupereke chigamulo chanu mwamsanga ngozi itachitika. Kulembetsa nthawi yomweyo kumakuthandizani kuti muzitsatira zonse. Pakhoza kukhalanso malire a nthawi kuti mulembe zomwe mukufuna kutengera potengera wopereka chithandizo ndi ndondomeko yanu.

Pansipa pali tebulo lomwe likuwonetsa njira zoperekera madandaulo kumakampani akuluakulu a inshuwaransi yamagalimoto

Kugwira ntchito ndi Claims Officer

Mukapereka chiwongola dzanja, wothandizira wanu adzasankha wogwira ntchito ya inshuwaransi kuti awone zomwe zawonongeka ndikufunsa anthu omwe adawona ndi maso ndi maphwando ena aliwonse omwe adachita ngoziyo. Wosinthayo adzazindikira kuchuluka kwa ndalama zomwe kampani ya inshuwaransi ingakulipire pa zomwe mukufuna.

Ofisala adzawonanso mtengo wa kukonzanso komwe kungathe komanso njira zilizonse zofunika zachipatala. Adzawonanso ngati deductible iyenera kulipidwa ndikupereka chiyerekezo cha kukonzanso kulikonse kapena ndalama zosinthira. Ofisala adzapereka chidziwitso chonsechi kwa inu mwanjira yowunika, yomwe mungaganizire ndikuvomereza kapena kupikisana nayo chigamulocho chisanalipidwe.

Ngati wogwira ntchitoyo apeza kuti zomwe zanenedwazo zachitika kunja kwa zomwe zalembedwa pachikalata chanu, akhoza kukana zomwe mukufuna. Izi zidzakusiyani pa mbedza pamtengo uliwonse wokonza. Ngati simukukhutitsidwa ndi kuunikaku, muli ndi ufulu wopereka mkangano. Mutha kufunsa wothandizira inshuwaransi kuti akuwunikenso kachiwiri, kusankha woyang’anira anthu kapena kulemba ganyu loya.

Nthawi yoti mupereke chiphaso cha inshuwaransi yagalimoto

Mudzafuna kufotokozera ngati galimoto yanu yawonongeka kapena yavulala chifukwa cha ngozi.

Kuti afotokoze yemwe ali wolakwa

Mukagunda dalaivala wina ndipo apezeka kuti ndi wolakwa, kuwonongeka ndi kuvulala kuyenera kuphimbidwa ndi mnzakeyo. inshuwaransi yamilandu. Ngati ndinu wolakwa pa ngoziyo, mudzafunika kulemba chikalata kuti woyendetsa galimotoyo alandire malipiro kuchokera kwa wothandizira wanu.

Ngati sizikudziwika kuti ndi ndani yemwe ali ndi vuto, aliyense amene akukhudzidwa ayenera kufotokoza yekha zomwe akunena. Makampani awo a inshuwaransi adzafufuza kuti adziwe yemwe ali ndi vuto.

Galimoto yanu yatayika kwathunthu

Ngati mtengo wa kukonza ndi wapamwamba kuposa mtengo weniweni wa galimoto yanu (ACV), amaonedwa kuti ndi kutaya kwathunthu. Ngati galimoto yanu yasonkhanitsidwa, muyenera kulembera chindapusa pansi pa inshuwaransi yanu yagundana kuti mulandire ndalama zolipirira ACV kuchotsera ndalama zanu.

Ngati muli nazo kutseka kwa gap ndondomeko ndi ndalama zomwe muli nazo pa ngongole yanu ya galimoto, mukhoza kulandira malipiro. Mukhozanso kuitanitsa kutaya kwathunthu pansi pa fayilo inshuwaransi yonse Ndondomeko ngati kuwonongeka kudachitika chifukwa cha chinthu china osati kugunda kwagalimoto, monga mtengo wakugwa.

Mukukhala m’dziko lopanda zolakwika

Ku Puerto Rico ndi mayiko 12 omwe ali pansipa – omwe amadziwika kuti maiko opanda zolakwika – lamulo limafuna kuti madalaivala apereke madandaulo ovulala ndi opereka inshuwalansi ya galimoto mosasamala kanthu kuti ndani analakwa pangozi.

Wina wake anavulazidwa

Kulemba chigamulo pamene inu kapena gulu lina lavulala pangozi ya galimoto kungakuthandizeni kupewa kulipira ngongole zachipatala zodula. Ngati muli ndi vuto ndipo dalaivala winayo wavulala, mupereka chigamulo ndi inshuwalansi yanu. Ngati muvulala ndipo winayo ali ndi vuto, ndondomeko yawo ya ngongole idzakulipirani.

Dalaivala winayo alibe inshuwaransi kapena alibe inshuwaransi

Ngati mwachita ngozi ndi dalaivala yemwe alibe inshuwalansi ya galimoto kapena ali ndi ndondomeko yomwe sangapereke zambiri kapena malipiro alionse, perekani chigamulo ndi Chivundikiro kwa madalaivala opanda inshuwaransi Zidzakuthandizani kulipira mtengo wa zowonongeka.

Nthawi yoti musapereke chigamulo cha inshuwaransi yagalimoto

Ndikofunikira kudziwa kuti makampani a inshuwaransi amasunga zolemba zonse zomwe zimaperekedwa ngakhale sanalipidwe. Kutumiza zonena zing’onozing’ono zambiri pakanthawi kochepa, mosasamala kanthu kuti ndizovomerezeka, zitha kukulitsa ndalama zanu.

Poganizira kuyika chiwongola dzanja, yang’anani ndondomeko yanu kuti muwonetsetse kuti zowonongekazo zaphimbidwa. Kenaka, ganizirani ngati mtengo wokonzanso kapena kukonzanso ndi wokwera kwambiri kuposa deductible. Ngati, titi, muli ndi ndalama zokwana $ 500 ndipo kukonzanso kudzawononga $ 800, sikungakhale koyenera kuyika $300.

Kodi kutumiza chiwongola dzanja kudzakhudza mtengo wanga wa inshuwaransi?

Inde, kulembetsa chiwongola dzanja nthawi zambiri kumawonjezera malipiro anu, makamaka ngati mukunena za ngozi yomwe munalakwitsa. Kuwonjezeka kumasiyana kuchokera kumakampani kupita kumakampani.

Malangizo a inshuwaransi yagalimoto

Mukamagula inshuwaransi yamagalimoto, tikupangira kufananiza Mitengo ya inshuwaransi yagalimoto kuchokera kwa opereka angapo.

Geico: Yotsika mtengo kwa madalaivala ambiri

Pakusonkhanitsa kwathu opereka inshuwaransi yamagalimoto abwino kwambiri, Geico ili pachitatu. Kampani ya inshuwaransi ndi imodzi mwama inshuwaransi akulu kwambiri pamsika, ikugwira 14.31% pamsika mu 2021 malinga ndi National Association of Insurance Commissioners (NAIC). Geico akugwira A + Kuchokera ku Better Business Bureau (BBB) ​​​​komanso kuchokera Mphamvu yachuma A++ kuchokera ku AM Best.

athu Geico تأمين Ndemanga ya Inshuwaransi Ndinapeza kuti mitengo yamakampani nthawi zambiri imakhala 27% zochepa a avareji ya dziko lonse ya oyendetsa bwino. Malinga ndi Phunziro la Inshuwaransi Yagalimoto ya JD Power 2022 ku US℠Geico ili ndi mbiri yabwino yothandiza makasitomala, makamaka kumadera a Central, Northwest, ndi New York.

State Farm: Chosankha cha Mkonzi

State Farm ndiye wamkulu wa inshuwaransi pamsika. Kampaniyo ili ndi mbiri yabwino yamitengo yotsika mtengo, yokhala ndi madalaivala abwino omwe amalipira pafupifupi 15% zochepa zapakati pa dziko lonse ndi State Farm.

Kampaniyo ndi eni ake A ++ Mphamvu Zachuma Mavoti kuchokera ku AM Best ndi gulu kuchokera ku BBB. Kuphatikiza pa inshuwaransi yamagalimoto, State Farm imapereka inshuwaransi yazaumoyo, inshuwaransi ya botiInshuwaransi yakunyumba ndi zina zambiri. Makasitomala atha kuchotsera pophatikiza mfundo zawo.

Kuti mudziwe zambiri, werengani nkhani yathu yonse Ndemanga ya inshuwaransi ya boma.

njira yathu

Chifukwa ogula amadalira ife kuti tipereke zidziwitso zolondola komanso zolondola, tapanga njira yokwanira yowonera mavoti amakampani abwino kwambiri a inshuwaransi yamagalimoto. Tasonkhanitsa zidziwitso kuchokera kwa ambiri omwe amapereka inshuwaransi yamagalimoto kuyika makampani molingana ndi mavoti osiyanasiyana. Chotsatira chake chinali chiwongolero chonse kwa wothandizira aliyense, ndi makampani a inshuwalansi omwe adapeza mfundo zambiri pamwamba pa mndandanda.

M’nkhaniyi, tasankha makampani omwe ali ndi ndalama zambiri komanso mtengo wake. Magulu amitengo adatsimikiziridwa ndi kuyerekezera kwa mitengo ya inshuwaransi yamagalimoto yopangidwa ndi Quadrant Information Services ndi Mwayi Wochotsera.

* Kulondola kwa data panthawi yofalitsa.

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