UMA uba sengozini yemoto okubonakala ngokusobala ukuthi lowo okushayisile usephutheni, uyakwazi ukufaka isicelo sesinxephezelo noma sokulungiselwa imoto kumshwalense wakhe.
Abazi kangcono bathi le ndlela ibizwa ngokuthi yi-3rd Party Insurance Claim.
Bathi ukuze ungabi senkingeni uma usufaka lesi sicelo, nansi imininingwane okumele uyithole kumshayeli wemoto ngesikhathi sengozi:
-Ubufakazi obukhombisa ukuthi lowo okushayisile nguyena osephutheni. Lokhu kungaba ukuthi lowo okushayisile agcwalise isitatimende sengozi asho ukuthi nguye osephutheni.
-Amagama aphelele nesibongo salowo obeshayela imoto.
-Inombolo kamazisi walowo obeshayela.
-Inombolo yocingo noma i-email address.
-Uhlobo lwemoto ne-number plate.
-Umnikazi wemoto – amagama akhe aphelele, isibongo nenombolo yocingo atholakala kuyo. Lokhu kudingeka uma umshayeli engeyena umnikazi wemoto.
-Ufakazi ozibonele ingozi uma ekhona. Igama eligcwele, isibongo nenombolo yocingo atholakala kuyo.
-Igama lomshwalense wakhe nenombolo yePolicy. Lokhu ungakuthola emva kosuku lwengozi uma engenakho eduze.
“Uma usunayo le mininingwane, kumele uye emaphoyiseni uyokwenza isitatimende sengozi (Accident Report). Kumele angapheli amahora angu-24 ungakayi kofaka isitatimende sengozi ngaphandle uma ulimele, ungakwazi ukuyosenza.”
Uma ususenzile isitatimende, bakunika okubizwa ngenombolo ye-AR (Accident Report number).
Ungoti uthe uma ungakwazi ukuthola ikhophi yesitatimende sengozi, uyasizakala kakhulu ngoba umshawalense uyayidinga. Uthe amaphoyisa awaphoqelekile ukukunika noma ukukuvumela uyishuthe.
Uqhube wathi uma usunale nombolo, nakhu okulandelayo:
-Thola i-quotation yokulungiswa kwemoto yakho. Uqinisekise ukuthi babala umonakalo wengozi kuphela, hhayi obukade ukhona. Uma kutholakala ukuthi ubuzama umkhonyovu wokufaka nokulimala obukade bukhona emotweni, ungafaka isicelo sakho sokukhokhelwa engcupheni. Le quotation kudingeka uyithole enkampanini egunyaziwe ukulungisa uhlobo lwemoto yakho.
-Yenza incwadi efungelwe yokuthi awunawo umshalense noma eyokuthi unawo umshwalense kodwa ngeke usifake isicelo sokulungiselwa imoto yakho kuwo.
-Thintana nomshwalense walowo okushayisile ucele ukungena kwi-3rd party claim.
-Ube usufaka isicelo sakho kulowo oxhumana naye kumshwalense. Uzodinga yonke imininingwane engenhla.
-Lowo omele umshwalense ube esethola imvume kumnikazi we-policy ukuthi ngempela ungakwazi ukufaka isicelo se-3rd party. Lokhu akulula neze ngoba abanye abantu bayawushintsha umqondo ukuthi nguyena obe sephutheni. Uma nisigcwalise ndawonye isitatimende sengozi washo lapho ukuthi nguyena osephutheni, kuba ngcono.
- Umshwalense wakhe ube usukunika ifomu oligcwalisayo lengozi ne-quotation yokuyilungisa. Incwadi efungelwe yokuthi awunawo umshwalense noma eyokuthi unawo umshwalense kodwa ngeke usifake isicelo sokulungiselwa imoto yakho kuwo, uyihambisa ne-quotation. Uma bethola ukuthi awulikhulumi iqiniso kule ncwadi, usuke ulimaza amathuba okukhokhelwa.
-Umshwalense uthumela ozobheka umonakalo wemoto yakho bese eqhathanisa nokuthi lokhu okukwi-quotation kuhambisana nengozi.
-Isicelo sokukhokhelwa sibe sesifakwa ukuze ukhokhelwe. Kwi-3rd party claim abakulungiseli imoto kodwa bakukhokhela isamba semali yokuyilungisa. Le mali basusa kuyo i-excess uma bekukhokhela.
-Ube usuzilungisela wena imoto.