Mayi wina wakhala pampando wa dalaivala wa galimoto yatsopano ndipo akulankhula ndi wogulitsa pawindo.

Inshuwaransi yagalimoto yokwera mtengo kwambiri? Masitepe 4 anzeru kuposa kuwalumpha

Gwero la zithunzi: Getty Images

Pali njira zambiri zochepetsera mtengo wa inshuwalansi ya galimoto.


mfundo zazikulu

  • Inshuwaransi yamagalimoto ndiyofunika ndi lamulo m’maiko ambiri.
  • Kuludumpha kungabweretse chindapusa ndi zilango zina.
  • Palinso njira zina zoyendetsa galimoto zomwe zingachepetse mitengo ya inshuwalansi ya galimoto popanda kuphwanya malamulo, kuphatikizapo kugula mitengo yamtengo wapatali ndikulembetsa kuti muchepetse mtengo.

Malipiro a inshuwaransi yamagalimoto ku United States akwera 8.65% kuyambira 2021, ndipo kukwera kwa mayiko ena kwakwera kwambiri. Izi sizomwe aliyense wa ife amafunikira pakali pano pomwe tikuvutikira kale kusunga mabilu athu ena onse omwe akukwera. Koma izi sizikutanthauza kuti madalaivala ayenera kulumpha inshuwalansi ya galimoto palimodzi.

Pansipa, tiwona chifukwa chake izi ndizowopsa ndikukambirana njira zinayi zabwino zothandizira madalaivala kupulumutsa pa inshuwaransi yagalimoto.

Kodi cholakwika ndi chiyani ndi kulumpha inshuwalansi ya galimoto?

Pafupifupi mayiko onse amafuna kuti madalaivala awo azikhala ndi inshuwaransi yamagalimoto. Miyezo yofunikira imasiyanasiyana malinga ndi boma, koma $ 25,000 pa kuvulala kwa thupi pa munthu aliyense ndi $ 50,000 pa ngozi ndizovomerezeka m’mayiko ambiri. Izi zimalipira ngongole zachipatala za anthu ena ngati mwiniwakeyo achita ngozi. Mayiko ambiri amafunikiranso kulipidwa pang’ono pakuwonongeka kwa katundu.

Madalaivala omwe amaposa zomwe boma limapereka amalipira chindapusa chachikulu, chilolezo choyendetsa galimoto komanso kuyimitsidwa kulembetsa magalimoto. Mayiko ena amatsekera ngakhale zigawenga. Ndipo madalaivalawa akamafufuza inshuwalansi ya galimoto yatsopano m’tsogolomu, amalipiranso ndalama zambiri chifukwa amaoneka ngati oyendetsa galimoto.

Koma chifukwa chachikulu chosadumpha inshuwalansi ya galimoto ndi ndalama zazikulu zomwe madalaivala angachite popanda izo. Ngati dalaivala avulaza munthu wina pangozi ndipo alibe inshuwalansi, wovulalayo angamuneneze. Atha kukhala ndi udindo wolipira madola masauzande ambiri pazachipatala, kuwonjezera pa chindapusa ndi zolipiritsa zomwe tafotokozazi.

Njira 4 zanzeru zosungira pa inshuwaransi yamagalimoto

Kudumpha inshuwaransi yamagalimoto kumatha kupulumutsa madalaivala mazana angapo mpaka madola masauzande angapo pachaka, koma mitengo yake ndiyambiri. Ndizotheka kupeza ndalama zofananira pogwiritsa ntchito imodzi mwa njira zinayi zomwe zafotokozedwa pansipa.

Dziwani: Sungani ndalama zanu ndi imodzi mwamakampani apamwamba a inshuwaransi yamagalimoto

Zambiri: Onani zomwe tasankha zamakampani abwino kwambiri a inshuwaransi yamagalimoto

1. Sitolo

Makampani onse a inshuwaransi yamagalimoto amayesa chiwopsezo mosiyana, ndichifukwa chake onse amapereka madalaivala osiyana pang’ono. Ena angalange kwambiri madalaivala pakachitika ngozi pamene ena amasamala kwambiri za msinkhu wa dalaivala ndi malo. Njira yokhayo yodziwira kuti ndi mtengo uti womwe uli wabwino kwa dalaivala wina ndikutenga makoti kuchokera kumakampani angapo ndikufananiza.

Makampani ambiri ali ndi zida zowerengera pa intaneti masiku ano, chifukwa chake kupeza mawu kumangotenga mphindi zochepa. Madalaivala adzafunika kudziwa mtundu wa galimoto yawo komanso masiku a ngozi iliyonse kapena matikiti pazaka zitatu kapena zisanu zapitazi kuti apeze ndalama zolondola.

2. Onani kuchotsera

Madalaivala akafunsira inshuwaransi yatsopano yagalimoto, makampani a inshuwaransi amangotengera kuchotserako. Koma pakhoza kukhala zina zomwe angafunikire kuti alembetse. Mwachitsanzo, kuchuluka kwamakampani a inshuwaransi akupereka kuchotsera kwa madalaivala omwe amalembetsa pulogalamu yawo yowunikira madalaivala. Imeneyi ikhoza kukhala njira yosavuta kuti madalaivala otetezeka adule mabilu awo ochepa.

Kuphatikiza apo, mitengo imatsika nthawi zambiri madalaivala akakwatira kapena akafika zaka 25, poganiza kuti palibe ngozi pamarekodi awo. Chifukwa chake madalaivala akuyenera kulumikizana ndi omwe amapereka inshuwaransi akafika pamiyezo iyi kuti awone ngati akuyenerera kusungitsa ndalama zina.

3. Ganizirani za kuchotsera kwakukulu

Deductibles ndi ndalama zotuluka m’thumba zomwe dalaivala amapanga popereka chiwongola dzanja pomwe ma premium ndi ndalama zomwe amalipira pamwezi kuti chikalatacho chisungike. Nthawi zambiri, madalaivala amasankha njira zingapo zochotsera, ndipo kupita ndi deductible yapamwamba kumachepetsa mtengo wamtengo wapatali. Izi zitha kubweretsa ndalama zambiri pamwezi ngati dalaivala sakuyenera kupereka chiwongolero.

Madalaivala amene amachita zimenezi ayenera kuganizira zoika pambali ndalama m’thumba la ndalama zamwadzidzidzi kuti ziwathandize kulipira ndalama zochotsera inshuwalansi ya galimoto.

4. Chepetsani kufalitsa

Njirayi si yabwino, koma ikhoza kukhala yothandiza pakafunika. Madalaivala omwe pakali pano ali ndi inshuwaransi yagalimoto yochepera ya boma amatha kuchepetsa kufalikira kwawo kuti alandire ndalama zochepa. Koma kutero kumachepetsanso kufalitsa. Izi zikhoza kukhala vuto pa ngozi zoopsa. Kampani ya inshuwaransi ikalipira mpaka malire, amakhala m’mavuto. Ngati pali mabilu aliwonse otsala, dalaivala azilipira yekha.

Komabe, kukhalabe ndi chitetezo chocheperako kumateteza madalaivala kuti asalowe m’mavuto ndi malamulo aboma. Koma ngati kuli kotheka, yesani njira imodzi kapena zingapo zomwe zatchulidwa pamwambapa kuti mupulumutse pa inshuwalansi ya galimoto musanagwiritse ntchito njira yomalizayi.

Makampani Abwino Kwambiri a Inshuwaransi Yamagalimoto a Ascent a 2022

Kodi mwakonzeka kugula inshuwaransi yamagalimoto? Kaya mumayang’ana kwambiri pamtengo, kasamalidwe ka madandaulo, kapena ntchito zamakasitomala, tafufuza makampani a inshuwaransi m’dziko lonselo kuti akubweretsereni zosankha zathu zapamwamba kwambiri za inshuwaransi yamagalimoto. Werengani ndemanga yathu yaulere ya akatswiri lero kuti ndiyambe.

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