Abantu badinga umshwalense wemoto ngezizathu ezahlukene. Abanye abantu bayayidinga ukuze ibavikele ngokwezimali uma besengozini, kanti abanye bangase bayidinge ukuze ivikele noma yimuphi umonakalo ongase wenziwe emotweni yabo. Ukwengeza, abantu abaningi basebenzisa izimoto zabo ukuthutha, ngakho ukuba nomshwalense wemoto kungasiza ukumboza noma yiziphi izingozi noma umonakalo owenzeka ngenkathi ushayela.
Uhlelo lokusebenza lomshwalense wemoto kufanele lenze lokhu okulandelayo:
- Qoqa idatha mayelana nomshayeli nemoto, okuhlanganisa inombolo yepuleti lelayisense, ukwakheka, imodeli, nonyaka wemoto;
-Bheka ukuze ubone ukuthi umshayeli unayo yini inqubomgomo nenkampani yomshwalense;
-Uma kungenjalo, nikela ngokwenza inqubomgomo yomshayeli;
-Bheka ukuze ubone ukuthi zikhona yini izicelo noma izingozi ezirekhodiwe zemoto;
-Uma kukhona izicelo noma izingozi ezirekhodiwe, zinikeze ukusiza ukukhokhela umonakalo noma izindleko zokufuna;
-Nikeza ulwazi mayelana namazinga nezinqubomgomo ezinikezwa izinkampani zomshwalense ezahlukene;
-Vumela abashayeli ukuthi baqhathanise amanani nezinqubomgomo ngaphambi kokwenza isinqumo.
Umshwalense wemoto ongcono kakhulu
IGeico
I-Geico yinkampani ehlinzeka ngemikhiqizo yomshuwalense namasevisi. Le nkampani yasungulwa ngo-1936 futhi izinze eNashville, eTennessee. I-Geico inikeza umshwalense wezimoto, wekhaya, kanye nezithuthuthu, kanye neminye imikhiqizo yomshwalense eyahlukahlukene. I-Geico futhi ihlinzeka ngenani lezinsizakalo, ezihlanganisa ukucutshungulwa kwezimangalo, usizo lomgwaqo, kanye nesevisi yamakhasimende eku-inthanethi. Ngaphezu kwemikhiqizo namasevisi ayo, i-Geico iphinde ibambisane nezinye izinkampani ukuze inikeze imikhiqizo yomshuwalense namasevisi engeziwe. I-Geico inamakhasimende angaphezu kwezigidi ezingu-26 emhlabeni jikelele.
Ukuqhubeka phambili
I-Progressive movement kwakuyinhlangano yezombangazwe nezenhlalakahle e-United States eyaqala ekuqaleni kwekhulu lama-20 futhi yahlala kwaze kwaba sekupheleni kwawo-1960. Yayihlose ukuguqula umphakathi waseMelika ngokuthuthukisa izindinganiso eziqhubekayo ezifana nobulungiswa bezenhlalakahle, amalungelo omphakathi, ukulondolozwa kwemvelo, nokulingana kwezomnotho. I-Progressives ikholelwa ukuthi lezi zimiso zokuziphatha zingazuzwa ngomthetho nangobushoshovu. Baphinde bakholelwa ukuthi inqubekelaphambili ingenzeka kuphela uma abantu baseMelika befundiswa ngalezi zinkinga.
State Farm
I-State Farm iyinkampani yomshuwalense enkulu, ezweni lonke esebenza emazweni angaphezu kwama-30. Le nkampani inikeza imikhiqizo nezinsizakalo zomshuwalense ezahlukahlukene, okuhlanganisa umshuwalense wezimoto, wekhaya, wokuphila, nowezohwebo. I-State Farm iphinde ihlinzeke ngemikhiqizo nezinsizakalo zasebhange , okuhlanganisa izimali mboleko kanye namakhadi esikweletu. Ngaphezu kwamabhizinisi ayo ayinhloko, i-State Farm isebenzisa izinkampani eziningana ezingaphansi kwayo, okuhlanganisa i-State Farm Mutual Automobile Insurance Company (SFMAA), i-State Farm Bank (SFB), kanye ne-State Farm Life Insurance Company (SFLIC).
Allstate
I-Allstate yinkampani yomshwalense yamazwe ngamazwe enekomkhulu eChicago, e-Illinois. Le nkampani yasungulwa ngo-1931 futhi ingenye yezinkampani zomshwalense ezinkulu emhlabeni. I-Allstate inikezela ngemikhiqizo namasevisi omshwalense anhlobonhlobo, afaka umshwalense wezimoto, ikhaya, impilo, kanye nohwebo. I-Allstate iphinde inikeze ngemikhiqizo ongayikhetha efana nosizo lomgwaqo kanye nomshwalense wezilwane ezifuywayo. Ngokungeziwe ekusebenzeni kwayo kwasekhaya, i-Allstate inemisebenzi emazweni angaphezu kwama-50 emhlabeni jikelele.
Ukukhululeka kokubambisana
I-Liberty Mutual iyinkampani yomshuwalense ohlangene enendlunkulu eBoston, eMassachusetts. Le nkampani yasungulwa ngo-1852 futhi ingenye yezinkampani ezinkulu zomshuwalense ohlangene e-United States. I-Liberty Mutual inamakhasimende angaphezu kwezigidi ezingu-38 futhi iqasha abantu abangaphezu kuka-23,000. Le nkampani inikeza imikhiqizo nezinsizakalo ezahlukahlukene okuhlanganisa umshwalense wezimoto, wekhaya, wokuphila, nowezohwebo. I-Liberty Mutual iphinde ihlinzeke ngezinsizakalo zokuhlela ezezimali kanye nokutshalwa kwezimali.
USAA
I-USAA yinkampani yezinsizakalo zezezimali enekomkhulu eSan Antonio, eTexas. Inkampani inikeza umshwalense, amabhange, imikhiqizo yokutshala izimali kanye nezinsizakalo kumalungu ezempi yase-United States nemindeni yawo. Kusukela ngomhla ka-31 Disemba 2017, i-USAA yayinamalungu angaphezu kwezigidi ezingu-12.
AAA
I-AAA yinhlangano engenzi nzuzo enikeza usizo lomgwaqo, umshwalense wokuhamba , kanye nezinye izinsizakalo kumalungu e-United States naseCanada. I-AAA inikeza okungaphezu nje kosizo lomgwaqo; inezinsizakalo eziningi ezingasiza amalungu uma ewadinga. I-AAA inikeza umshwalense wokuhamba, ongasiza amalungu ukukhokhela izindleko uma evaleleke noma kufanele akhansele uhambo lwawo ngenxa yesimo esiphuthumayo. I-AAA iphinde inikeze ubulungu kwi-Safe Driving Club yabo , esiza amalungu ukuthi afunde ukushayela ngokuphepha.
I-Farmers Insurance Group of America
IFarmers Insurance Group of America (FIA) iyinkampani enkulu yomshuwalense wezolimo e-United States. Ikomkhulu e-Des Moines, Iowa, I-FIA inabasebenzi abangaphezu kwe-1,000 futhi isebenza kuzo zonke izifundazwe ezingu-50.
I-FIA ihlinzeka ngemikhiqizo yomshwalense kanye namasevisi kubalimi, abafuyi, abakhiqizi bezolimo nemindeni yabo ngokusebenzisa izinkampani ezingaphansi kwayo: I-Farmers Insurance Exchange (FIEx), Inkampani Yesevisi Yomshuwalense Wabalimi (FISC), kanye Nenkampani Yomshuwalense Wezimoto Zabalimi (FMAA). I-FIEx iyindawo yemakethe ye-elekthronikhi yonkana enikeza abalimi ukufinyelela emikhiqizweni ehlukahlukene yomshwalense nezinsizakalo ezivela kubadayisi bomshwalense abaningi. I-FISC ihlinzeka ngemikhiqizo yomshuwalense kanye nezinsizakalo kubalimi abancane ukuya kwabamaphakathi kanye nabafuyi ngama-ejenti azimele. I-FMAA ihlinzeka ngomshwalense wezimoto kubalimi, abalimi, abakhiqizi bezolimo kanye nemindeni yabo.
Ngaphezu kwemigqa yomkhiqizo wayo oyinhloko, i-FIA iphinde inikeze ngemikhiqizo ekhethekile yabalimi bobisi; abakhiqizi bemfuyo; abakhiqizi bezitshalo ezilandelanayo; abanikazi bomhlaba bamahlathi; abanikazi/abaqhubi bezivini; abadobi bezentengiselwano; abalimi bekhabe; nezinye izitshalo ezikhethekile. I-FIA iphinde inikeze izinhlelo ezihlukahlukene zokumaketha ezisiza ukukhuthaza imikhiqizo yayo kubabukeli abahlosiwe.
Izinto okufanele uzicabangele lapho ukhetha umshwalense wemoto
Lapho ukhetha umshwalense wemoto, kunezinto ezimbalwa okufanele uzicabangele. Lokhu kufaka phakathi ukufakwa okudingayo, i-deductible ozimisele ukuyikhokha, kanye nohlobo lwenqubomgomo oyifunayo.
Izici Ezinhle
1. Amanani aphansi
2. Azikho izimali ezifihliwe
3. Kulula ukusebenzisa iwebhusayithi
4. Isevisi enhle yamakhasimende
5. Izinhlobonhlobo zezinhlelo ongakhetha kuzo
Uhlelo lokusebenza oluhamba phambili
1. Umshwalense wemoto ongcono kakhulu yilowo onikeza ukuvikeleka okungcono kakhulu kwezidingo zakho.
2. Izinkampani zomshwalense wezimoto ezihamba phambili yilezo ezinegama elihle futhi ezixhaswe kahle ngezimali.
3. Izinkampani zomshwalense wemoto ezihamba phambili yilezo ezihlinzeka ngezinketho zokukhava ezihlukahlukene, okuhlanganisa isikweletu, ukushayisana, kanye nokufakwa okuphelele.
Abantu futhi bayayifuna
-Umshwalense, ukumbozwa, ukuvikelwa, indemnityapps.
Umklami Wesofthiwe okhethekile Ekusebenziseni kanye ne-UX. Ngithanda ukufunda ngokucophelela zonke izinhlelo zokusebenza eziphuma emakethe.
