Ndifunika inshuwaransi yagalimoto yochuluka bwanji?

Inshuwaransi yagalimoto ndi mtengo wofunikira wokhala ndi galimoto. Koma ambiri aku America Gulani zambiri kuposa zomwe akufunikira. Pano tsopano kuti mudziwe zomwe muyenera kulipira – ndi komwe mungasunge.

Dalaivala wamba waku America tsopano akutumikira $190 pamwezi pa inshuwaransi yamagalimotokukwera kwa 4% kuchokera ku $ 182 chaka chatha, malinga ndi Federal Reserve.

Mitundu yodziwika bwino ya inshuwaransi imaphatikizapo udindo, chitetezo chopanda inshuwaransi ya dalaivala, komanso chitetezo chamunthu kuvulala, komanso inshuwaransi yokwanira ndi kugundana, kuphimba chilichonse kuchokera kuvulaza dalaivala wina pangozi mpaka kuwonongeka kwa galimoto yanu.

Koma, malingana ndi galimoto yanu ndi momwe mulili ndi ndalama, simungafune kuthandizidwa ndi mitundu yonseyi. Kuchepetsa ndalama zogulira komanso kuchepetsa mitundu yomwe mwasankha monga kugundana komanso kukwanira kumatha kuchepetsa ndalama zomwe mumalipira pamwezi.

Tikudutsani momwe mungasankhire inshuwaransi yagalimoto yomwe ili yoyenera kwa inu – kuti muwonetsetse kuti mukupeza chithandizo chomwe mukufuna popanda kuphwanya banki.

Mitundu ya inshuwaransi yamagalimoto

Inshuwaransi yodziwika bwino ya auto inshuwaransi imaphatikizapo mitundu ingapo ya chithandizo, zina mwazosankha ndi zina zofunika. Izi zikuphatikizapo:

  • inshuwaransi yamilandu Zimakwirira kuvulala kwa anthu ena kapena kuwonongeka kwa katundu wawo ndipo zimafunikira pafupifupi m’maiko onse
  • Kuphimba madalaivala osatetezedwa kapena osatetezedwa Imakutetezani ngati muchita ngozi ndi dalaivala wopanda inshuwaransi kapena inshuwaransi yosayenera yofunikira m’maiko ena
  • Chitetezo ku kuvulala kwaumwini Zimalipira ngongole zanu zachipatala pakachitika ngozi, ziribe kanthu kuti ndi ndani yemwe ali ndi vuto, ndipo ndizofunikira m’madera ena
  • Comprehensive inshuwaransi Imateteza kuwonongeka kosagunda kwagalimoto yanu, monga kuba kapena masoka achilengedwe
  • kugunda kwa inshuwaransi Kuphimba kuwonongeka kwa galimoto yanu

Kodi Ndifunika Inshuwaransi Yanji Yotani?

Inshuwaransi yobwereketsa, yomwe imawononga pafupifupi $60 pamwezi Pa kufalitsa kochepa, pali zigawo ziwiri zazikulu: kuvulala kwa thupi, komwe kumakukuta ngati muvulaza munthu wina pangozi, ndi kuwonongeka kwa katundu, komwe kumakutetezani ngati galimoto yawo kapena katundu wina wawonongeka.

Mukagula chivundikiro cha ngongole, mukugula malire a “munthu aliyense” wa kuvulala kwa thupi, omwe ndi malire omwe adzaphimbidwe kwa munthu aliyense pangozi yomwe ikuvulaza. Mwachitsanzo, ngati mwachita ngozi ndi galimoto ina yokhala ndi dalaivala ndi wokwera m’modzi, ndi malire a $ 100,000 pa munthu aliyense, kampani yanu ya inshuwalansi idzalipira ndalama zokwana madola 100,000 kwa munthu aliyense wovulala pangozi.

Muyeneranso kusankha malire a kuvulala kwa thupi “pangozi iliyonse”. Ngati muyika malire a $ 300,000 pa ngozi iliyonse, ndiye chiwerengero chachikulu chomwe kampani yanu ya inshuwalansi idzalipire, ziribe kanthu kuti anthu angati avulala bwanji. Malire okhudza kuwonongeka kwa katundu amaperekedwanso pazochitika zilizonse.

Malire a inshuwaransi ya ngongole nthawi zambiri amawonetsedwa ngati peresenti. Mwachitsanzo, New York State imafuna kuti madalaivala azinyamula $25,000 mu inshuwaransi yovulala pawokha ndi $50,000 pa ngozi, kuphatikiza $10,000 pa inshuwaransi yowononga katundu, yofotokozedwa ngati 25/50/10. Mwanena izi, mungafunike kufalitsa zambiri kuposa kuchuluka kwa boma – lamulo lomwe lakhalapo kwanthawi yayitali lakhala malire a 100/300/100.

Kuphunzira kovomerezeka

  • Ndalama Zomwe Mumapeza: Ganizirani za 100/300/100
  • Ganizirani zochepetsera mtengo ngati: Ngakhale ndizotheka kuchepetsa ndalama zomwe mumalipira pochepetsa ngongole, akatswiri ambiri amati pali malo abwino osungira.

Akatswiri ambiri amati lamulo la 100/300/100 ndi malo abwino kuyamba. Miyezo imeneyo ndi yokwera kwambiri kuposa Chiwongola dzanja chapakati pa kuvulala kwamthupi ndi $22,700Mudzalipidwa mpaka $100,000 pa munthu aliyense ndi $300,000 pa ngozi.

Ngati mungakwanitse kugula, zingakhale zomveka kugula inshuwaransi yowonjezera – nthawi zambiri yokwanira kuti muteteze ndalama zanu, kuphatikizapo nyumba yanu, ndalama zomwe mwasungira, ndi zinthu zina zamtengo wapatali, momwe mungapangire chandamale chokongola pamlandu. “Ganizirani za katundu wanu ndi zomwe ziyenera kulipidwa,” akutero Marty Sansone, wachiwiri kwa purezidenti wa inshuwaransi pamalo oyerekeza a inshuwaransi a The Zebra.

Koma ngakhale mutakhala ndi chitetezo chochepa kapena mulibe, kuchepetsa kubweza ngongole kumakhala kowopsa – ndipo kwa madalaivala ambiri, pali malo abwinoko oti muchepetse. “Aliyense amene ali ndi katundu wochepa akhoza kuimbidwa mlandu ndipo malipiro ake akhoza kukwezedwa kwa zaka zambiri,” anachenjeza motero Cameron Magnuson wa kampani ya inshuwalansi ya Magnuson.

Ndifunika inshuwaransi yagalimoto yochuluka bwanji kapena yopanda inshuwaransi?

Zomwe zimatchedwa kuti UM ndi UIM zimakutetezani ngati mutachita ngozi ndi dalaivala wopanda inshuwaransi kapena wopanda inshuwaransi. Madalaivala opanda inshuwaransi sangathe kulipira ndalama zolipirira zamankhwala ndi kukonza galimoto, motero UM ndi UIM amapereka chithandizo ngati dalaivala wina sangathe kulipira.

Mayiko ena amafunikira mitundu yonse iwiri ya kufalitsa, pomwe ena amangofuna UM. Ndalama zomwe zimafunikira zimasiyana malinga ndi boma, koma nthawi zambiri zimafanana ndi zomwe inshuwaransi ikufunika.

Kuphunzira kovomerezeka

  • Mudzapeza zingati: Fananizani ndi zomwe mumalipira
  • Ganizirani zochepetsera ndalama ngati: Muli ndi inshuwaransi yogundana (komanso inshuwaransi yazaumoyo)

Malinga ndi Insurance Research Council, za 1 pa 8 oyendetsa Pamsewu wokhoma dziko lonse. Izi zikutanthauza kuti ngati mwachita ngozi ndi dalaivala wina, sangakhale ndi chithandizo chofunikira kuti akulipireni ngongole zachipatala kapena kuwononga galimoto yanu. UM/UIM imakhudza kuwonongeka kwa galimoto yanu ndi ndalama zilizonse zachipatala.

Zachidziwikire, poganiza kuti muli ndi inshuwaransi yazaumoyo, mabilu a madotolo anu adzalipidwa kale. Koma mfundo za UM ndi UIM zitha kutengerabe ndalama zotuluka m’thumba monga kusungitsa ndi kulipira limodzi. Ikuphatikizanso zolipirira zachipatala za aliyense wokwera ndi malipiro otayika.

Chifukwa kufalikira kwa UM ndi UIM ndikotsika mtengo, ndi mtengo wapakati pafupifupi $ 4 mpaka $ 6 pamweziSansone amalimbikitsa kunyamula zokwanira kuti zigwirizane ndi malire ovulala pa inshuwaransi yanu.

Nthawi yomweyo, ngati muli ndi inshuwaransi yakugundana (zambiri pa izi pansipa) komanso kuchotsera pang’ono mu dongosolo lanu la inshuwaransi yazaumoyo, inshuwaransiyo ikhoza kukhala yofunikira kwambiri – ndipo mutha kukhala otetezeka ndi mfundo za dziko lanu.

Ndifunika inshuwaransi yanji ya PIP?

Zomwe zimatchedwanso inshuwaransi yolakwika, PIP imalipira ngongole zanu zachipatala pakachitika ngozi, komanso za aliyense wapaulendo, mosasamala kanthu za yemwe ali ndi vuto. Imaperekanso ndalama zowonongera ndalama monga malipiro otayika.

PIP, kapena Personal Injury Protection, palibe m’mayiko onse, ndipo ndi ochepa okha omwe amafunikira.

Ndalama zochepa zomwe zimaperekedwa zimasiyana malinga ndi boma. Mwachitsanzo, New York imafuna kuti madalaivala azinyamula $50,000 mu inshuwaransi ya PIP pa munthu aliyense, pamene Massachusetts imafuna $8,000 yokha pa munthu aliyense.

Kuphunzira kovomerezeka

  • Zomwe mumapeza: Zokwanira kuti muthe kulipira inshuwaransi yanu yazaumoyo
  • Ganizirani zochepetsera mtengo ngati: Ndinu omasuka kulipira inshuwaransi yanu yaumoyo

Pali zosintha zambiri zomwe zimatsimikizira kuchuluka kwa PIP, komanso ndalama zomwe zimayambira Kuyambira $8 mpaka $33 pamwezi. Ngati mulibe inshuwaransi yazaumoyo, kunyamula PIP kungakhale kofunikira.

Ngakhale mutatero, PIP ikhoza kukuthandizani kudzaza mipata monga kulipira ngongole zanu zochotsera ndi ndalama zachipatala zapaulendo. Koma ngati muli ndi inshuwaransi yaumoyo ndipo mukuyang’ana kuti muchepetse mtengo wagalimoto yanu, ndikwabwino kulumpha inshuwaransi yamtunduwu.

Kodi Ndikufunika Inshuwaransi Yanji ya Collision Insurance?

Kugundana kumaphimba kuwonongeka kwa galimoto yanu pakachitika ngozi. Izi zingaphatikizepo kuwonongeka kwa galimoto ina, kuphatikizapo kugunda ndi kuthamanga, kapena chinthu monga mtengo kapena njanji.

Kugundana – komwe kuli kosankha ngati muli ndi galimoto yanu yonse, koma nthawi zambiri kumafunika ngati mubwereka galimoto yanu kapena muli ndi ngongole yagalimoto – ndalama zambiri $25 pamwezi, malinga ndi bungwe la Insurance Information Institute, gulu la zamalonda. Malire omwe amaperekedwa nthawi zambiri amakhala mtengo wagalimoto yanu, ndipo madalaivala ayenera kusankha deductible. avareji ndi pafupifupi madola 500.

Kuphunzira kovomerezeka

  • Mumapeza ndalama zingati: mtengo wagalimoto yanu
  • Ganizirani za mtengo wochotsera ngati: Galimoto yanu ili yochepera 10 kuposa mtengo wake

Inshuwaransi yamtunduwu imakhala yomveka ngati muli ndi galimoto yatsopano, kapena ngati mukuvutika kulipira kukonza kwakukulu m’thumba lanu.

Njira imodzi yopulumutsira pa kugundana ndikuwonjezera ndalama zanu zochotsera, zomwe zingachepetse kwambiri bilu yanu ya mwezi uliwonse, ndikukutetezani pakagwa ngozi yaikulu. Mwachitsanzo, malinga ndi Progressive, a Kuchotsera kwa $100 kumawononga avareji ya $70 pamwezi. Koma kwa madalaivala omwe akufuna kuyika pachiwopsezo chokweza mpaka $2,000, pafupifupi mwezi uliwonse umatsika mpaka $22.50.

Ngati galimoto yanu ndi yakale kwambiri, ndiye kuti sizofunika kwambiri pamsika wogulitsa-ndipo ngati mungadzipereke kulipira m’thumba kuti mukonzenso – zingakhale zomveka kulumphira kuphulika konse.

Mumalankhula bwanji? Lamulo limodzi lazachuma pamakampani ndi lakuti ngati galimoto yanu ili yochepera kakhumi kuposa ndalama za inshuwaransi zomwe zagunda pachaka, sizingakhale zoyenerera, malinga ndi a Mark Friedlander, mneneri wa Insurance Information Institute, gulu lazamalonda.

Kodi ndikufunika inshuwaransi yochuluka bwanji?

Inshuwaransi yokwanira imakhudza kuwonongeka kwa galimoto yanu chifukwa chakuba, masoka achilengedwe, kapena zinthu zina zomwe sizimakhudzidwa ndi inshuwaransi yakugundana. Mwachitsanzo, ikhoza kulipira zokonza ngati wina Imaba chosinthira chanu cha catalytickapena ngati nthambi ya mtengo inagwera pa galimoto yanu.

Monga kugundana, zambiri zimafunikanso ngati galimoto yanu yabwerekedwa kapena kulipiritsidwa, koma nthawi zonse ngati mukufuna. Nthawi zambiri zimawononga $14 pamweziMalinga ndi National Association of Insurance Commissioners.

Komanso monga inshuwaransi yakugundana, malire a inshuwaransi yokwanira nthawi zambiri amakhala mtengo wagalimoto yanu. Madalaivala ayenera kusankha deductible pogula mtundu uwu wa Kuphunzira. The pafupifupi deductible Pafupifupi $500.

Kuphunzira kovomerezeka

  • Mumapeza ndalama zingati: mtengo wagalimoto yanu
  • Ganizirani zochepetsera mtengo ngati: Muli ndi galimoto yakale, yosafunikira kwenikweni

Malinga ndi akatswiri, mtengo wa kufalitsa nkhani ndi wofanana ndendende ndi kugundana.

Galimoto yanu mwina sidzafunika kutetezedwa ngati “mutha kuyisintha popanda kukhudza kwambiri bajeti yanu,” akutero a Paul Moss, woyambitsa chida chofananira ndi inshuwaransi yagalimoto HeyDriver!

Malangizo, malingaliro, kapena mavoti omwe ali m’nkhaniyi ndi a Buy Side kuchokera ku WSJ Editorial Team, ndipo sikunawunikidwe kapena kuvomerezedwa ndi mabizinesi athu.

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