Indlela yokuhlanganisa umshwalense wemoto kanye nomshwalense wabanikazi bezindlu

Ukuthenga izinqubomgomo zomshwalense ezimbili noma ngaphezulu, njengomshwalense womninikhaya kanye nowezimoto, enkampanini yomshuwalense efanayo kubizwa ngokuthi "ukuhlanganisa." Ukuhlanganisa kongela imali ngesaphulelo esisebenza kuzo zombili izinqubomgomo. Lokhu kubizwa ngokuthi "isaphulelo sezinqubomgomo eziningi" ekhasini lesimemezelo senqubomgomo.

Ngaphezu kokuba ishibhile kunokuba nemishwalense yomuntu ngamunye, ukuhlanganisa kunezinye izinzuzo, njengokungabi nankinga. Ngokusebenzisana nenkampani yomshwalense eyodwa kuphela, ungaphatha kalula izinqubomgomo zakho ngengosi ye-inthanethi efanayo noma i-ejenti. Ungakwazi futhi ukukhomba izikhala zokumboza futhi uhlanganise izikhathi zokuvuselela kanye nezinsuku zokukhokha.

Ngokuya ngenkampani yomshwalense nalapho uhlala khona, kunezinzuzo ezengeziwe zokuhlanganisa. Isibonelo, i-Safeco inikeza amakhasimende athile ahlanganisa i-franchise ngokulahlekelwa okukodwa. Ngakho-ke, uma imoto yakho ilimele ngendlela efanayo nekhaya lakho (njengezikhukhula), i-franchise yemoto yakho izokhanselwa ngemva kokuba ikhokhwe i-franchise yomnikazi womuzi wakho.

Unganquma kanjani ukuthi ikhithi ikulungele yini

Nakuba iphakethe lakho lenqubomgomo ye-auto lingakunikeza isaphulelo, akuyona into engcono kakhulu ngaso sonke isikhathi. Ungathola amanani aphansi ezimotweni nasezindlini ngokuthenga amapholisi ezinkampanini zomshwalense ezimbili ezahlukene.

Ngokusho kwe-US National Auto Insurance Survey eyenziwe yi-JD Power and Associates, u-58% wabantu uhlanganisa imishwalense yabo yezimoto neyekhaya. Ukuze ubone ukuthi kufanele yini ujoyine leli phesenti, qhathanisa amanani omshwalense wezimoto kanye nangaphandle kwephakheji.

Isaphulelo sezinqubomgomo ezipakishiwe siyahlukahluka kuye ngenkampani yomshwalense. Ngokwesilinganiso, imali eyongiwe ekuhlanganiseni umshwalense wezimoto kanye nezinqubomgomo zomshwalense wekhaya enkampanini eyodwa yomshwalense (e-US) yayicishe ibe ngu-7.7%. Bekungu-4.9% kumshwalense opakishiwe wezimoto nomqashisi (ngokuvumelana nedatha ehlanganiswe i-Quadrant Information Services ye-Insurance.com).

Izinkampani zomshwalense kwesinye isikhathi zinikeza isaphulelo kuzo zombili izinqubomgomo esikhundleni sesaphulelo sesamba. Abahambi bathola isaphulelo esifika ku-13% kumshwalense wemoto futhi sifike ku-15% kumshwalense wasekhaya lapho sihlanganisa imishwalense. Ukuhlanganiswa kungasiza futhi ukukhokhela ezinye izindleko. Isibonelo, umshwalense wemoto yentsha uyabiza, ngakho-ke uma ungeza umshayeli wakho osemusha osanda kuthola ilayisense kumshwalense wakho, qiniseka ukuthi ucabangela ukuhlanganisa ukuze ugcine izindleko ziphansi.

Esinye sezizathu ezenza izinkampani zomshwalense zinikeze lezi zaphulelo ingoba zenza inzuzo kumapholisi amabili, futhi ngenxa yokuthi amakhasimende ahlanganisa imishwalense yawo maningi amathuba okuthi avuselele izinqubomgomo zawo. Izinkampani zomshuwalense nazo ziyazi ukuthi abanikazi bezindlu benza izimangalo ezimbalwa kuzinqubomgomo zabo zomshuwalense wezimoto.

Ezinye izinhlobo zomshwalense ongahlanganiswa nomshwalense wasekhaya nowemoto.

Kunezinye izinhlobo zomshwalense ongayengeza emshwalenseni wakho wemoto nowasekhaya ukuze uthole amanani omshwalense aphansi ngokujwayelekile:

• isithakazelo
• Izithuthuthu
• RV
• IMPILO

Nakuba ezinye izinkampani zomshwalense wezimoto zinganikezi umshwalense wabanikazi bezindlu, ezinye zingase zijoyine umshwalense wekhaya ukuze zinikeze isaphulelo. Kufanele uhlale ubuza umenzeli wakho noma ummeli wosekelo ukuze ubone ukuthi yini etholakalayo.

Izinkampani zomshuwalense wezimoto ezihlanganisayo

Izinkampani eziningi zingahlanganisa umshwalense wekhaya nowezimoto, njenge-Progressive, Safeco, kanye ne-The Hartford, ukusho nje ezimbalwa. Shayela i-Insurance.com ku-855-430-7751 ukuze uthole ulwazi lwamanani avela kulaba nabanye abahlinzeki.

Lesi sihloko siguqulelwe ngemvume ye-carinsurance.com: http://www.insurance.com/auto-insurance/home-and-auto-insurance-bundle.html