Ngati mukufunikira kuwonongeka kowonongeka koyambidwa kumadalira momwe mukufunira galimoto yanu yofunira, malo komanso njira yobwezera.
Kodi Kuwonongekera Kwa Mgwirizano Wotsutsana Ndi Chiyani?
Pamene oyimilira ogwira ntchito a makasitomala ogulitsa galimoto akukufunsani kuti mugule Kuwononga Kwachisawawa kwa Collision (CDW) kapena Kuwonongeka kwa Kuwonongeka kwa Mphotho (LDW), akukupemphani kuti mulipire ndalama zina patsiku pobwezera malipiro ochepa ngati galimoto yobwereka ikuwonongeka kapena kuba.
Malipiro omwe mumalipira amasiyanasiyana ndi malo ndi mtundu wa galimoto yobwereka. Kupeza (ndi kulipira) CDW kulengeza kungaphatikize 25% kapena kuposa ndalama zonse za yobwereka. M'mayiko ena, monga Ireland, mungafunikire kugula CDW kapena kupereka umboni wotsatizana, kuti muyang'anire galimoto.
Kugula CDW kungakupulumutseni ndalama ngati galimoto yanu yobwereka ikuwonongeka. Ngati simugula Kuwongolera Kuwonongeka kwa Kuwonongeka kwa Zinthu Zomwe Mutha Kuchita ndi chinachake chikuchitika pa galimoto yanu yobwereka, mungathe kumalipira galimoto yobwereka kukhala ndi ndalama zambiri. Dalaivala pa galimoto yanu yobwereka ikhoza kukhala yapamwamba kwambiri - nthawi zina, mpaka madola zikwizikwi - ndipo mutha kulipira kampani ya galimoto yobwereka chifukwa cha kusowa kwa galimotoyo pamene ikukonzekedwa.
Kumbali inanso, kufalitsa CDW kungakhale kokwera mtengo. Nthaŵi zina, zimatha pafupifupi kawiri mtengo wogwira galimoto. Ngati mukungoyendetsa galimoto yanu yobwereka patali, kugula CDW sikungakhale kopindulitsa - kupatula ngati mutachita ngozi.
Mfundo yofunika kwambiri: Muyenera kuwerengera mgwirizano wanu wa galimoto yongokhalira ndi kulingalira mosamala phindu ndi kuthetsa kolipira Kuwonongeka kwa Kugawidwa kwa Magulu mukasankha galimoto yanu yobwereka.
Njira Zina Zogulira Kuwonongeka kwa Magulu Kupanga Mphoto
Makampani A Makhadi a Ngongole
Kampani yanu yamakhadi a ngongole ikhoza kupereka chithandizo cha CDW, mutapereka ngongole yanu yokha ndi khadi la ngongole ndi kuchepetsa kuika kwa CDW kampani ya galimoto yobwereka.
Ngati mutasankha njirayi, onetsetsani kuti mukuwerengera ndondomeko yanu ya kampani yanu ya ngongole musanabwereke galimoto. Makampani ena a khadi la ngongole amapereka chithandizo ku United States, pamene ena amaletsa mayiko enieni. Pafupifupi makampani onse a makadi a ngongole amalephera kubwereka galimoto ku Ireland, ngakhale kuti American Express inawonjezera Ireland ku mndandanda wa mayiko okhudzidwa mu July 2017.
Inshuwalansi Zamagalimoto
Werengani ndondomeko yanu ya inshuwalansi kapena kuitanitsa kampani yanu ya inshuwalansi kuti mudziwe ngati malamulo anu akugwiritsidwa ntchito ponena za galimoto yobwereka. Mayiko ena a US, monga Maryland, amafuna inshuwalansi zamoto kuti apereke izi. Ngati ndondomeko yanu ikuphwanya kuwonongeka kwa galimoto yobwereketsa, simukuyenera kulipira kampani yanu yobwereka galimoto chifukwa cha CDW mukakwera galimoto. Onetsetsani kuti mufufuze zosayenera, monga kubwereka galimoto kunja kwa United States ndi kukwera galimoto ku Ireland.
Othandizira a Inshuwalansi Oyenda
Mungathe kugula kuwonongeka kowonongeka koyendetsa kuchokera ku inshuwalansi ya apaulendo pamene mukuonetsetsa ulendo wanu . Malonda ambiri a inshuwalansi oyendayenda amapereka chithandizo cha kuwonongeka kwa galimoto zogulitsa, zomwe mungagule ngati mukufuna kuchepetsa ma CDW operekedwa ndi kampani yanu ya galimoto. Izi zimagwiritsidwa ntchito pazinthu zina, kuphatikizapo galimoto, chipolowe, chisokonezo chapachiweniweni, masoka achilengedwe, kugunda ndi galimoto.
Mavuto ena, kuphatikizapo oyendetsa galimoto ataledzera, saloledwa kuchoka pakudziwika kwa Kuwononga Galimoto. Ambiri ogulitsa inshuwalansi sangathe kugulitsa kuwonongeka kwa galimoto zogulitsa zothandizira mitundu ina ya magalimoto obwereketsa, monga njinga zamoto, ma voti ndi anthu ogwira ntchito. Ngati kampani yanu yobwereketsa galimoto ikufuna kuti mukhale ndi zochitika zina, monga zowonongeka kapena zowonongeka magalasi (omwe amapezeka ku Ireland), simungathe kulowetsa ma CDR.
Nthaŵi zambiri simungagule kugawidwa kwa Magalimoto Okhudzidwa paokha. Kuwopsa kwa magalimoto kumalo osungirako kawirikawiri kumagwirizanitsidwa pamodzi ndi mitundu ina ya inshuwalansi yaulendo. Mukhoza kupempha ndondomeko ya inshuwalansi yaulendo kuchokera kwa wolemba mabuku, monga Travel Guard, Travelex, HTH Worldwide kapena MH Ross Travel Insurance Services, kapena kuchokera ku inshuwalansi aggregator monga SquareMouth.com, TravelInsurance.com kapena InsureMyTrip.com .
Onetsetsani kuti mukukonzekera ndondomeko yonse ya inshuwalansi yaulendo komanso mndandanda wa zosagula musanagule.