Imiba ephambili yokunciphisa umngcipheko weefama kunye neentlawulo zeinshorensi ezinokubakho

Ukuba ufuna ukunciphisa iindleko ze-inshorensi yefama, nceda ulandele indlela yenkampani yeinshorensi. ukunciphisa umngcipheko. Ifama izele ziingozi. Imozulu, iingozi kunye nobusela zonke zilindele ukuba kugxilwe kuyo nayiphi na ifama. Kwezinye iimeko, banokuwuba umboniso ngonaphakade. "Yintoni endigcina ngaphandle komdlalo ngonaphakade?" Sisiqalo esihle xa ucinga nge-inshurensi kunye ne-inshurensi yokuzimela kunye ne-arhente. UBlair McClinton, oyintloko yeqela leinshorensi yezolimo yeSGI Regina, wathi: “Zibuze, ukuba andinayo i-inshorensi eyaneleyo, oko kuya kundibangela umonakalo omkhulu. ngokwembono yabalimi "Wonke umntu ufuna ukuthoba iintlawulo zabo, kwaye ungayenza. Kodwa ngaxa lithile, uya kudlulisela umngcipheko kwabanye uye kuwe. Ukwenza ukhetho olufanelekileyo kwifama yakho kunye neshishini kufuna ukuqwalaselwa. "Wathi. Ukwandisa inani le-deductibles kunokunciphisa ngokukhawuleza iindleko zepolisi. I-deductible ephezulu iya kuthumela umyalezo kwinkampani ye-inshurensi ukuba ngaphandle kokuba kwenzeke ingozi embi kakhulu, umenzi akazimisele ukuhlawulisa isicwangciso. UMcLinton wathi: " Uninzi lwabavelisi lunakho ukutsalwa imali ephezulu ngenxa yokuba bakholisa ukuba neemfuneko ezincinci kumabango amancinci." Kwanebango elincinci liyakwenza ukuba ixabiso leprimiyamu lexesha elizayo libe ngaphezu kwexabiso lebango, ngoko ekuhambeni kwexesha, ukukhetha ukungafaki ibango kububulumko ngokwasezimalini. ukhetho "Kodwa kufuneka uzibuze ukuba ungawuthatha na lo mngcipheko. Ukuba une-inshorensi yodwa, uya kwenza ntoni ukunciphisa isoyikiso sokwenza ibango, "watsho. Ukucoca kufutshane nezindlu zasefama kunokunciphisa amathuba okuba umlilo unwenwe ngokukhawuleza kwaye udlule kwindawo yokulawula. Ukuthintela umlilo kwiyadi kunokuthintela okanye ucuthe isantya somlilo ongena kunye nokuphuma eyadini Umda wetyala lelahleko enokwenzeka kubamelwane okanye kubasebenzi okubangelwa yimisebenzi yasefama yinxalenye ebalulekileyo yayo nayiphi na ipolisi ye-inshorensi yezolimo Ukusetyenziswa kwezicwangciso zembuyekezo yabasebenzi bephondo kunokunciphisa isoyikiso yeendleko, kwaye iindleko zinokukhokelela ngokukhawuleza ekubhangaleni kweefama ezininzi ukunceda ukufumana nokugcina abasebenzi. Abasebenzi abalungileyo basefama kunzima ukubatsala nokubagcina. Le yeyona nto ilindelekileyo,” utshilo. ukubashiya engxakini ngaphandle kwengeniso, kuba baye basebenza enkundleni ixesha elide kwaye kufuneka bahlawule iindleko ezinkulu ze-Legal agency ukunciphisa umngcipheko wamabango. Xa ukufutshane namasimi abo, cinga ngesitshizi sakho, ukuba kukho ukukhukuliseka, baya kwenza ntoni,” utshilo. Ukuqinisekisa ukuba lo matshini ugcinwe kakuhle nako kunokunciphisa umngcipheko wokufakwa kwamabango.Nangona ipolisi ye-inshorensi ingazukuhlawula. ngenxa yokungaphumeleli kokuthwala, ukuba ukuthwala kubangela ukuba ukudibanisa kutshise, i-inshurensi inokuhlawula ekugqibeleni Wathi: "Ukusetyenziswa kwezicima-mlilo kuzo zonke izixhobo, kuquka iilori zokulondoloza, kunokusombulula iingxaki ngaphambi kokuba zisonjululwe." : "Iifama ezininzi ziye zabeka iitanki zamanzi zokulwa nomlilo kunye neepompo kwintsimi, nje ukuba kwenzeka into enkulu yezakhiwo ezidala zihlala zine-wiring endala, kunye notyalo-mali ekuqeshweni kombane wendawo ukuba aqonde imeko yayo kwaye acebise malunga nokuba zeziphi izisongelo ezinokubakho." kwaye indlela yokunciphisa incinci, ekwalutyalo-mali olulungileyo "Ingakumbi ukuba ukhetha ukungayithathi i-inshurensi. Uwudlulisele kuwe lo mngcipheko kwaye kufuneka uwunciphise,” watsho umlimi. Ukubophelela imigqomo yeenkozo ukunqanda ukonakaliswa ngumoya lelinye inyathelo abalimi abanokulithatha ukunciphisa umngcipheko welahleko kunye nomnye umonakalo kwifama okanye izixhobo, kunye nezinye. Iinkampani ze-inshorensi ziya kunciphisa iipremiyamu ukuze ukuba i-ankile ifakiwe, iya phantse Ukuhlawula iindleko ze-ankile Izakhiwo ezineenkqubo zokucoca ugutyulo lwelindle zinokuxhotyiswa ngeevalvu zokutshekisha kunye neevalvu zokubuyisela ukuthintela umjelo ophantsi komhlaba ohambisa amanzi amdaka ubuyela kwindlu yasefama okanye ivenkile. xa kwenzeka umkhukula Izaphulelo zikwakhona ukufakwa kwezi nkqubo uMcLinton wathi: "Umzekelo, ukuba uthatha ixesha elincinci ebusika, banokukunika uxolo lwengqondo." i-inshurensi, ufuna ntoni ezona ndlela zilungileyo zomthengi zokunciphisa umngcipheko? Nantso into ofuna ukuyenza kwifama yakho. Ngaphezu koko, iinkampani ze-inshorensi zihlala zivuza oku, "utshilo uMcLinton. Ukufaka inkqubo yokhuseleko kwikhamera ngokuqhelekileyo kunciphisa iiprimiyamu, kodwa kunokunqanda amasela. Inkqubo yokhuseleko yanamhlanje inika umbono wexesha lokwenyani kwifama, kunye nelogi. ifayile yoko kwenzekayo xa umfama ebengekho Kubalulekile ukuvavanya isakhiwo kunye nesiqulatho ngokuchanekileyo, kuba ukuba ilahleko eyinxenye yenzeke, inkampani ye-inshorensi iya kubonelela kuphela ngomlinganiselo ochanekileyo webango isakhiwo yi-US$300,000, kwaye sifakwe kwi-inshorensi ye-US$200,000, kwaye sitshatyalaliswe ngesiqingatha ngumoya, i-inshorensi iyakuhlawulelwa kuphela i-US$100,000 endaweni ye-US$150,000 efunekayo ukuze kulungiswe , amafama kufuneka kwakhona athathe umfanekiso ocokisekileyo wefama kunye nerekhodi yezixhobo zasefama kunye nezinye izixhobo ezibiwa lula okanye ezilahlekileyo xa kutsha ezi rekhodi zenza kube lula ukusombulula amabango kunye nokuqinisekisa ukuba i-inshorensi epheleleyo inokufumaneka xa kuyimfuneko ukufowunela ikhadi. Abavelisi baseNtshona lelona phepha lihlonitshwayo kwezolimo eNtshona Canada. Inamandla kwaye izinzile iminyaka engama-95, abavelisi baseNtshona baye baphumelela ukuthenjwa ngamafama kunye nabathengisi. Iveki neveki, inika abalimi ulwazi abathembele kulo.