Ungabala kanjani inani elincishisiwe lemoto yakho
Okuqukethwe
Isizathu esiyinhloko sokuthi umuntu adinge ukubala inani elincishisiwe lemoto ukufaka isicelo somshuwalense ngemva kwengozi. Ngokwemvelo, uma imoto ingasakwazi ukushayelwa noma inomonakalo omkhulu wezimonyo, akufanelekile kangako.
Kungakhathaliseki ukuthi ubani onephutha, kungakhathaliseki ukuthi inkampani yakho yomshuwalense noma omunye umuntu unesibopho sokukubuyisela izindleko zemoto yakho, kuyisithakazelo senkampani yomshuwalense ukubala inani eliphansi kakhulu lemoto yakho.
Izinkampani eziningi zomshwalense zisebenzisa isibalo esaziwa ngokuthi "17c" ukuthola inani lemali yemoto yakho ngemuva kokuphahlazeka. Le fomula yaqala ukusetshenziswa ecaleni laseGeorgia lesimangalo elihilela i-sovkhoz futhi ithatha igama layo lapho livele khona kumarekhodi asenkantolo alelo cala - isigaba 17, isigaba c.
I-Formula 17c yagunyazwa ukuthi isetshenziswe kulesi simo, futhi akuzange kuthathe isikhathi eside ukuthi izinkampani zomshwalense ziqale ukuthambekela ekutholeni amanani aphansi kakhulu zisebenzisa lesi sibalo. Ngenxa yalokho, ifomula iye yamukelwa kabanzi njengezinga lomshwalense, naphezu kweqiniso lokuthi isetshenziswe kuphela ecaleni elilodwa lomonakalo eGeorgia.
Kodwa-ke, ngemuva kokuphahlazeka, uzozuza kakhulu enambeni yezindleko ezincishisiwe eziphezulu. Yingakho kubalulekile ukwazi ukuthi inkampani yomshwalense ekhokha isicelo sakho izolithola kanjani inani lamanje lemoto yakho kanye nenani layo langempela uma uyithengisa isesimweni sayo samanje. Uma, ngemva kokubala inani elincishisiwe lemoto yakho ngezindlela zombili, uthola umehluko omkhulu phakathi kwezinombolo, ungaxoxisana ngedili elingcono.
Indlela yoku-1 koku-2 Sebenzisa i-Equation 17c ukuze uthole ukuthi izinkampani zomshwalense zibala kanjani izindleko ezincishisiwe.
Isinyathelo 1: Thola inani lokuthengisa lemoto yakho. Inani lokuthengisa noma lemakethe lemoto yakho inani i-NADA noma i-Kelley Blue Book enqumayo ukuthi imoto yakho ikufanele yini.
Yize lena kuyinombolo abantu abaningi abangayibheka njengefanelekile, ayibheki ukuthi izindleko zihluka kanjani ukusuka kwesinye nesifunda, kanye nezinye izici. Inombolo etholwe ngale ndlela nayo ayikho ezithakazelweni zenkampani yomshwalense.
Ukuze wenze lokhu, vakashela iwebhusayithi ye-NADA noma iwebhusayithi ye-Kelley Blue Book futhi usebenzise iwizadi yokubala. Uzodinga ukwazi ukwakheka nemodeli yemoto yakho, ibanga layo elingamakhilomitha, kanye nombono omuhle wezinga lomonakalo wemoto yakho.
Isinyathelo sesi-2: Sebenzisa umkhawulo ongu-10% kuleli nani.. Ngisho nasecaleni le-State Farm Claims e-Georgia, eyethula ifomula ye-17c, ayikho incazelo yokuthi kungani i-10% yezindleko zokuqala ezinqunywe yi-NADA noma i-Kelley Blue Book isuswa ngokuzenzakalelayo, kodwa lokhu kungumkhawulo ukuthi izinkampani zomshuwalense ziqhubeka nokusebenzisa.
Ngakho-ke, phindaphinda inani olithole nge-NADA noma i-Kelley Blue Book calculator ngo-10. Lokhu kusetha inani eliphezulu lemali inkampani yomshwalense engalikhokha ngesimangalo semoto yakho.
Isinyathelo sesi-3: Faka isiphindaphindi somonakalo. Lesi siphindaphindi silungisa inani olitholile esinyathelweni sokugcina ngokuya ngomonakalo wesakhiwo semoto yakho. Kulokhu, ngokuthakazelisayo, umonakalo wemishini awubhekwa.
Lokhu kungenxa yesidingo sokushintsha noma ukulungisa izingxenye zemoto; inkampani yomshwalense ihlanganisa kuphela lokho okungeke kulungiswe ngengxenye entsha.
Uma ucabanga ukuthi lokhu kuyadida, kuyadida futhi akukunxephezeli ngenani lokuthengisa elilahlekile. Thatha inombolo oyithole esinyathelweni sesibili bese uyiphindaphinda ngenombolo elandelayo echaza kangcono umonakalo wemoto yakho:
- 1: umonakalo omkhulu wesakhiwo
- 0.75: umonakalo omkhulu wesakhiwo nephaneli
- 0.50: ukulimala okumaphakathi nephaneli
- 0.25: umonakalo omncane wesakhiwo nephaneli
- 0.00: akukho monakalo wesakhiwo noma okushintshiwe
Isinyathelo sesi-4: Susa Izindleko Eziningi Zemayela Lemoto Yakho. Nakuba kunengqondo ukuthi imoto enamamayela amaningi ibiza kancane kunemoto efanayo enamamayela ambalwa, ifomula engu-17c isivele ibala amakhilomitha embewu njengoba kunqunywe i-NADA noma i-Kelly Blue Book. Ngeshwa, izinkampani zomshwalense zidonsa izindleko zalokhu kabili, futhi leyo ndleko ingu-$0 uma imoto yakho inamamayela angaphezu kuka-100,000 ku-odometer.
Phindaphinda inombolo oyithole esinyathelweni sesithathu ngenombolo ehambisanayo ohlwini olungezansi ukuze uthole inani lokugcina elincishiwe lemoto yakho usebenzisa ifomula engu-17c:
- 1.0: 0–19,999 amamayela
- 0.80: 20,000–39,999 amamayela
- 0.60: 40,000–59,999 amamayela
- 0.40: 60,000–79,999 amamayela
- 0.20: 80,000–99.999 amamayela
- 0.00: 100,000+
Indlela yesi-2 koku-2: Bala izindleko ezincishisiwe zangempela
Isinyathelo 1: Bala inani lemoto yakho ngaphambi kokuba yonakaliswe. Futhi, sebenzisa umshini wokubala kuwebhusayithi ye-NADA noma i-Kelley Blue Book ukuze ulinganise inani lemoto yakho ngaphambi kokuba yonakaliswe.
Isinyathelo sesi-2: Bala inani lemoto yakho ngemva kokulimala. Ezinye izinkampane zezomthetho ziphindaphinda inani le-Blue Book ngo-33 futhi zikhiphe lelo nani ukuze zithole inani elilinganiselwe langemva kwengozi.
Qhathanisa leli nani nezimoto ezifanayo ezinemilando yezingozi ukuze uthole inani langempela lemoto yakho. Ake sithi kuleli cala, izimoto ezifanayo emakethe zibiza phakathi kuka-$8,000 no-$10,000. Ungase ufune ukukhulisa inani elilinganisiwe ngemuva kwengozi libe ngu-$9,000.
Isinyathelo sesi-3: Susa inani lemoto yakho ngemuva kwengozi enanini lemoto yakho ngaphambi kwengozi.. Lokhu kuzokunikeza isilinganiso esihle senani langempela elincishisiwe lemoto yakho.
Uma amanani ancishisiwe anqunywe yizo zombili izindlela ehluke kakhulu, ungaxhumana nenkampani yomshwalense enesibopho sokukunxephezela ngokulahleka kwenani lemoto yakho ngenxa yengozi. Nokho, qaphela ukuthi lokhu kungase kubambezele isimangalo sakho somshwalense futhi kungase kudingeke nokuba uqashe ummeli ukuze uphumelele. Ekugcineni, kufanele unqume ukuthi isikhathi esengeziwe nokuhlupheka kuyakufanele yini futhi wenze isinqumo ngokufanele.
