Nokuba ungumqhubi onenkathalo, izinto ezininzi ezidlalwayo zinokubangela ingozi yemoto njengabanye abaqhubi okanye izilwanyana zasendle ezijula endleleni.
Kungokwemvelo ukuzibuza ngembuyekezo enokwenzeka emva kokufumana ingozi yemoto. Eli nqaku labelana ngesixa-mali somndilili onokuthi ulindele, ukubalwa njani, kunye nezinto ezahlukeneyo ezichaphazela isixa sokugqibela.
UkuHlaliswa kweNgozi yeMoto: Yimalini onokuyifumana
Isixa sembuyekezo yebango lengozi yemoto siyahluka ngokomthombo. Nangona kunjalo, unokulindela ukuhlawulwa ukuya kuthi ga kwi-USD $20,000. Oko kwathiwa, abanye abantu banokufumana ngaphantsi kwe-USD $ 10,000.
Ngokutsho IZiko loLwazi lweinshurensi, ibango eliqhelekileyo lokulimala komzimba emva kwengozi yemoto ngaphezu kwe-USD $ 20,000. Ngeli xesha, ibango lomonakalo wepropati malunga ne-USD $4,700. Uphando oluvela eMartindale-Nolo lubonisa ukuba amabango engozi yemoto ukusuka ku-2015 ukuya ku-2020 ane-avareji yokuhlaliswa kwe-USD $ 24,000.
Zibalwa Njani Ukuhlaliswa kweeNgozi zeMoto
Xa ukhe waba kwingozi yemoto, eyona ndlela yokuqinisekisa ukuba uyahlawulwa kuba ukonzakala kwakho kunye nomonakalo kwipropati yakho kukuqesha abacebisi abanamava kwezomthetho. Oko kwathiwa, ukubalwa kokulungiswa kwengozi yemoto kuyahluka ukusuka kwelinye ukuya kwelinye. Nkqu nenkundla inokuba noqikelelo olwahlukileyo kunegqwetha lakho.
Isixa esiqhelekileyo sokuhlawula iingozi zemoto sihlala sisekwe koku:
- Iityala zonyango
- Ukonakala kwepropati
- Umvuzo olahlekileyo
- Uxinzelelo ngokweemvakalelo
- Intlungu kunye nokubandezeleka
Izinto ezi-4 eziphembelela iSixa-mali sokuHlaliswa kweNgozi yeMoto
- Impazamo kunye noxanduva
Ukuba elinye icala lilodwa elinoxanduva lokubangela ingozi, kusenokwenzeka ukuba unelungelo lokufumana zonke iindleko zomonakalo. Nangona kunjalo, ukuba wabelana ngoxanduva, ngoko ke isixa-mali sokuhlawula ityala siya kuncitshiswa.
Ngokuxhomekeke kumthetho welizwe lakho, unokukwazi ukufaka ibango leendleko ezinxulumene nomonakalo wakho ukuba ufunyenwe ungaphantsi kwama-50% onoxanduva lwengozi.
- Uhlobo Lokulimala kunye Nobungqongqo
Uhlobo lokulimala kunye nobukhulu ukuba amaxhoba ahlupheke ekungqubuzaneni angahluka ngokuxhomekeka kwiimeko. Inokuba nefuthe elithe ngqo kwisixa onethemba lokusifumana.
Ngokucacileyo, okukhona ukwenzakala kakhulu, kokukhona kusiba nkulu ukulungiswa. Umzekelo, uya kufumana imbuyekezo engaphezulu kwi- ukulimala kwengqondo ebuhlungu kunengalo eyaphukileyo.
Nokuba kunjani na, ungakuvumeli oko kukuyekise ukufuna imbuyekezo ngokwenzakala okungephi. Ukuba wonzakele ngenxa yokuqhuba ngokungenankathalo komnye umntu, ngoko ngokomthetho, ufanele imbuyekezo.
- Nokuba Ufumana Ingqalelo yezonyango ngokukhawuleza
Ukulibaziseka kukhathalelo lwezonyango kunokunika inkampani yeinshurensi isizathu sokubuza ibango lakho. Banokuthi ingozi ayizange ibangele ukulimala kwakho kuba ungazange uye kwingcali yezempilo kude kube kwiiveki emva kwengozi.
Nokuba ungenzakala kangakanani na okanye uziva ulungile emva kwengozi, ukutyelela ugqirha kwaye ufumane unyango emva kontlitheko kunokwandisa ithuba lakho lokufumana imbuyekezo efanelekileyo yebango lakho. Qinisekisa ukuba uxela zonke iimpawu zokulimala kugqirha wakho. Kwakhona, ukuba uphawu lwakho luba lubi okanye ukulimala okongeziweyo kwenzeka emva kweentsuku ezimbalwa, qiniseka ukuba ubize ugqirha wakho ngokukhawuleza.
- Ukuhlawulwa kweinshurensi
Kwimimandla emininzi, abaqhubi kufuneka babe ne-inshurensi yoxanduva. Oku kunceda ekuhlawuleni imbuyekezo kumaxhoba ongquzulwano xa umnini-polisi efumaniseke ukuba unetyala. Le inshorensi inemida nangona kunjalo. Ngoko ke, ukuba umonakalo ungaphezu kwexabiso le-inshurensi, i-inshurensi ayiyi kuhlawula imali engaphezulu.
Kuyenzeka ukuba amaxhoba ngqo fayilisha ibango ngokuchasene nomqhubi wetyala ngelahleko engahlawulwanga yi-inshurensi yakhe. Nangona kunjalo, abanye abantu basenokungabi nayo imali eyaneleyo yokuhlawula owona monakalo ungaphezulu, nokuba inkundla ibinokuthi ibavuze. Ngaloo ndlela, ukulandela ityala lenkundla ukuze ufumane imbuyekezo egqithisileyo kusenokungabi naxabiso.
Yise kude
Njengoko ubona, akukho xabiso liqhelekileyo kwingozi yemoto-ingozi nganye yemoto yodwa. Ngelixa sithandazela ukuba ungaze ube nengozi yemoto, ukuba kunjalo, ukuba nombono wexabiso eliphakathi kunye nezinto ezininzi eziphembelela isixa kunokukunceda wenze isigqibo esinolwazi. Oko kuthethiweyo, ukuba ufuna ukuba nezibalo ezichanekileyo, kungcono udibane negqwetha leengozi zemoto. Ukwenjenjalo kusenokukunceda ufumane imbuyekezo efanelekileyo ngelahleko yakho.
INTO ONOKUYITHATHA KWELI NQAKU:
- Ngelixa sithandazela ukuba ungaze ube nengozi yemoto, ukuba kunjalo, ukuba nombono wexabiso eliphakathi kunye nezinto ezininzi eziphembelela isixa kunokukunceda wenze isigqibo esinolwazi.
- Ngokuxhomekeke kumthetho welizwe lakho, unokukwazi ukufaka ibango leendleko ezinxulumene nomonakalo wakho ukuba ufunyenwe ungaphantsi kwama-50% onoxanduva lwengozi.
- Nokuba ungenzakala kangakanani na okanye uziva ulungile emva kwengozi, ukutyelela ugqirha kwaye ufumane unyango emva kontlitheko kunokwandisa ithuba lakho lokufumana imbuyekezo efanelekileyo yebango lakho.
