UMA imoto yakho iba sengozini kuba yisikhathi sokukhathazeka nokuyingakho kubalulekile ukuthi ibe nomshwalense ikakhulukazi uma usayikhokhela.
Ibhange elibolekisa ngemali yokuthenga imoto, i-WesBank, likhiphe nakhu okumele ukwenze uma usengozini:
-Bhala usuku, isikhathi nendawo okwenzeke kuyo ingozi futhi, uma kunendlela, ushuthe izithombe.
-Bhekisisa uhlobo lwemoto nama-number plate azo zonke izimoto ezibandakanyeka engozini.
-Thola yonke imininingwane yabashayeli abathintekayo ehlanganisa amagama, izinombolo zomazisi nemininingwane yemishwalense yabo uma benayo.
-Thola ukuthi abekho yini ababone ingozi yenzeka okungaba ngabagibeli abasezimotweni ezithintekayo, bese uthatha neminininingwane yabo.
-Bika ingozi emaphoyiseni bese uthola inombolo yecala ukuze uzoyinika umshwalense.
-Thinta umshwalense wakho ubabikele ngengozi, uthumele nemininingwane.
-Uma usuthinte umshwalense, bazobe sebekushayela bekuyalela ngemigudu okumele uyilandele.
Uma kwenzeka ukuthi imoto yakho ilimele kakhulu futhi ukuyilungisa kuzobiza imali engaphezu kwentengo yayo noma kubonakala ukuthi ayisaphephile ngenxa yengozi, umshwalense ungathatha isinqumo sokuthi uyichithe.
Oyisikhulu sezokuxhumana eWesBank, uLebogang Gaoaketse, uthe uma imoto usayikhokhela ngesikhathi iba sengozini eholela ekutheni ichithwe (written off), kumele ubikele isikhungo esikunike imali yokuyithenga ngoba kusuke kuseyibo abanikazi bemoto.
Uthe umshwalense ukhokha imali imoto evikelwe ngayo. Le mali ikhokhela isikweletu semoto futhi kungenzeka ilingane noma ishode, kuye ngokuthi imoto ikweleta malini. Konke kuncika kwinkontileka nomshwalense kanjalo ne-excess okuyimali oyikhokha uma ufaka isicelo sokunxeshezelwa.
“Uma umshwalense usukhokhele isikhungo owaboleka kuso imali yokuthenga imoto, imoto echithwayo izoba ngeyomshwalense, akukhathalele ukuthi kusenemali oyikweletayo noma cha.”
Uthe uma kunemali ekweletwa yikhasimende, kumele ikhokhwe iphelele. Uma ikhasimende lingakwazi ukuyikhokha kuzomele lenze isivumelwano sokuyikhokha.