Izindlela zokwehlisa imali yomshwalense wemoto

YINTO evamile emiphakathini ukuzwa indaba ngomuntu okhokhela imoto entsha ekade yebiwa noma eyaba sengozini epake egcekeni.

Ngokujwayelekile lokhu kwenziwa wukuthi wayithenga wabe esenqamula umshwalense ngoba efuna ukonga.

Imoto ethengwe ngesikweletu sasebhange kuyimpoqo ukuthi ibe nomshwalense ogcwele (comprehensive) uze usiqede leso sikweletu.

Ongoti bathi uma uwuhoxisa umshwalense emotweni esakhokha, ibhange liyakuphoqa ukuthi uyikhokhele ngisho ingasekho noma ifile.

“Okumqoka wukuthi uxhumane nebhange lakho uma uba nenkinga yokukhokhela umshwalense likucebise ngongakwenza. Uma kuba yilo ibhange elikubambayo ukuthi umshwalense awusenawo emotweni, linegunya lokunqamula inkontileka yakho imoto idliwe ngoba wephule umgomo wenkontileka,” kusho ungoti.

Uthe imoto edliwe idayiswa esidlangalaleni nokuthi uma idayiswe ngemali engaphansi kweyikweletayo uphoqeleke ukuthi ukhokhe isikweletu.

Uthe zikhona izindlela zokunciphisa imali oyikhokhela umshwalense uma umpintshekile.

Uthe uma ungakaze ufake isicelo sokukhokhelwa wumshwalense noma ukulungiselwa imoto, ungakwazi ukuwushayela uwutshele ukuthi ngenxa yokuziphatha kahle ucela bakwehlisele imali oyikhokhayo.

“Unganyusa imali ye-excess okuyimali ohlangabeza ngayo umshwalense uma ufuna isinxephezelo. Uma iphezulu, imali oyikhokha ngenyanga ngokujwayelekile iba phansi. Khumbula ukuthi uma ufuna isinxephezelo, kumele uyikhokhe ngokugcwele i-excess ukuze umshwalense ukusize.”

Uveze ukuthi enye indlela wukushintsha umshwalense ungabi yi-comprehensive ngokuthi ukhiphe i-3rd Party Liability.

I-3rd Party Liability ikhokhela impahla noma imoto elimala ngephutha elenziwe nguwe ngemoto yakho. Uma ungenayo umshwalense ukunxephezela ngemoto yakho kuphela bese izindleko zokulungisa eyomuntu oyishayisile noma impahla oyilimazile ziphoqa ukuthi ungene ephaketheni.