Yuav xaiv qhov pov hwm tsheb zoo li cas rau thawj zaug?

Kev tuav pov hwm tsheb yog qhov yuav tsum tau ua rau txhua lub tsheb, tab sis thaum koj nyuam qhuav tau txais koj daim ntawv tso cai nws yuav nyuaj rau koj xaiv ntawm ntau hom kev pov hwm. Koj yuav tsum tau pov hwm koj thawj lub tsheb, thiab xaiv kev pov hwm yog qhov nyuaj rau cov tub ntxhais hluas tsav tsheb uas tau them nyiaj ntau dua rau kev tuav pov hwm tsheb vim lawv cov xwm txheej. Yog li cas koj xaiv auto insurance?

🚗 Auto insurance, muaj peev xwm ua tau dab tsi?

Ua ntej tshaj plaws, koj yuav tsum paub ntau yam qauv muab los ntawm cov tuam txhab tuav pov hwm:

● Kev tuav pov hwm lub tsheb thib peb (lossis kev tuav pov hwm kev lav phib xaub yog qhov tsawg kawg nkaus yuav tsum tau ua hauv Fab Kis. Qhov kev pov hwm no, qhov kev xaiv pheej yig tshaj plaws, suav nrog kev puas tsuaj ntawm tus kheej thiab kev raug mob ntawm tus kheej los ntawm tus thib peb hauv cov ntsiab lus ntawm kev sib tsoo lub luag haujlwm. Txawm li cas los xij, cov nqi tsim los ntawm kev puas tsuaj. rau tus neeg tsav tsheb lossis nws txoj kev thauj mus los, tsis them);

● Kev pov hwm ntawm cov neeg thib peb ntxiv rau (qhov kev cog lus no yog nruab nrab ntawm kev pov hwm los ntawm cov neeg thib peb thiab cov qauv kev pheej hmoo tag nrho. Qhov kev tuav pov hwm no suav nrog, nyob ntawm tus neeg tuav pov hwm, kev puas tsuaj rau lub tsheb ntawm tus neeg tuav pov hwm);

● Kev tuav pov hwm tsheb dav dav (lossis kev tuav pov hwm kev sib tsoo / ntau qhov kev pheej hmoo, kev pov hwm kev pheej hmoo tag nrho yog qhov tseem ceeb tshaj plaws los tiv thaiv tsheb. Thaum muaj xwm txheej, nws yuav them tag nrho cov nqi kho mob, txawm tias tus tsav tsheb muaj lub luag haujlwm.);

● Auto insurance ib kilometer (nws tuaj yeem yog ib feem peb, ib feem peb ntxiv lossis tag nrho cov kev pheej hmoo, nws raug txwv rau mais, tab sis muaj tus nqi qis dua li kev tuav pov hwm ib txwm muaj. Qhov kev thov no yog hloov kho rau cov neeg tsav tsheb uas them ob peb mais.)!

Yog li, muaj ntau yam qauv. Cov lus qhia txog kev nkag siab txog qhov sib txawv ntawm cov ntawv cog lus muaj nyob rau ntawm Selectra auto insurance website.

🔎 Tus hluas tsav tsheb yog dab tsi?

Tam sim no koj yuav tsum nkag siab tias qhov tshwj xeeb ntawm tus neeg tsav tsheb cov tub ntxhais hluas li cas thiab vim li cas nws thiaj li txhais tau tias tus nqi pov hwm ntau dua.

Ua ntej, qhov xwm txheej no tsis muaj dab tsi ua rau tus neeg tsav tsheb hnub nyoog. Qhov no txhais tau hais tias tus tsav tsheb yog tus pib. Qhov no siv rau cov neeg tsav tsheb uas muaj daim ntawv tsav tsheb tsawg dua 3 xyoos, uas yog, kev siv tau ntawm daim ntawv tsav tsheb nrog lub sijhawm sim.

Tsis tas li ntawd, cov tuam txhab tuav pov hwm tsheb tau ntxiv lwm pawg rau cov tsav tsheb tshiab no. Tseeb tiag, cov tub ntxhais hluas tsav tsheb raug suav hais tias yog leej twg uas tsis tau muaj kev pov hwm hauv peb lub xyoos dhau los.

Yog li, cov neeg tsav tsheb uas tsis tau muaj kev pov hwm lossis cov neeg tsav tsheb uas tau dhau Txoj Cai thiab daim ntawv tsav tsheb tom qab raug tshem tawm yog suav tias yog cov neeg tsav tsheb hluas.

Yog li, raws li Insurance Code nyob rau hauv tsab xov xwm A.335-9-1, cov tub ntxhais hluas tsav tsheb raug suav hais tias yog tsis muaj kev txawj ntse, uas ua pov thawj tus nqi siab ntawm kev pov hwm. Raws li cov tuam txhab tuav pov hwm, qhov kev pheej hmoo ntawm kev sib tsoo lossis kev raug mob yuav nce ntxiv yog tias tus neeg tsav tsheb tsis muaj kev paub tsav tsheb.

Cov tub ntxhais hluas tsav tsheb ntxiv yog ib nrab xyoo ua ntej thaum kawg ploj mus tom qab xyoo peb. Yog li, tus nqi them ntxiv tuaj yeem yog 100% hauv thawj xyoo, 50% xyoo thib ob, thiab thaum kawg 25% hauv xyoo peb ua ntej ploj tom qab lub sijhawm sim. Tsis tas li ntawd, cov neeg tsav tsheb hluas uas ua raws li kev tsav tsheb thauj mus los yog suav tias yog cov neeg tsav tsheb uas muaj kev paub dhau los. Nws lub sijhawm raug txo mus rau 2 xyoos thiab yog 50% hauv thawj xyoo thiab 25% hauv qhov thib ob.

💡 Vim li cas kev tuav pov hwm kim dua rau cov tub ntxhais hluas tsav tsheb thiab yuav kho li cas?

Yog li, tus neeg tsav tsheb nrog cov tub ntxhais hluas tsav tsheb yuav tsum tau them cov nqi them ntxiv kom them rau qhov kev pheej hmoo siab dua. Qhov nyiaj seem no tuaj yeem siab li 100% ntawm tus nqi kho mob pib.

Txawm li cas los xij, txhawm rau kho qhov nyiaj ntau, muaj cov lus qhia rau kev pov hwm thiab tsheb:

● Nrhiav kev tuav pov hwm tsheb: Kev xaiv ntawm kev tuav pov hwm yog ib qho tseem ceeb heev thiab yuav tsum tau ua ua ntej kom nrhiav tau qhov zoo tshaj plaws rau cov kev xav tau ntawm tus neeg tsav tsheb thiab lub tsheb yuav raug pov hwm, raws li tus nqi sib txawv nyob ntawm tus neeg tsav tsheb, tab sis kuj nyob ntawm lub tsheb yuav raug pov hwm;

● Kev yuav lub tsheb: raws li tau hais los saum no, qhov nyiaj pov hwm yog nyob ntawm lub hnub nyoog ntawm lub tsheb, nws cov kev xaiv, lub zog, thiab lwm yam. Yog li ntawd, nws yog ib qho tseem ceeb uas yuav tau xaiv lub tsheb raws li cov qauv no. Tsis tas li ntawd, nws tsis yog ib txwm pom zoo kom tshaj tawm kev tuav pov hwm nrog lub tsheb siv, kev pov hwm tawm tsam thib peb yuav txaus;

● nrog kev tsav tsheb yog txo los ntawm 50% ntawm tus nqi them;

● Kev sau npe ua tus tsav tsheb sib tw kom tsis txhob yuav tsheb thiab nqi pov hwm. Qee lub sij hawm nws yog qhov zoo dua los tso npe ua tus tsav tsheb sib koom ua ke raws li daim ntawv cog lus, uas tsis suav nrog cov cai ntxiv rau cov tub ntxhais hluas yam tsis tau nce nqi ntawm kev tuav pov hwm.

● Txo cov nqi kho tsheb los ntawm kev sib piv cov kev pabcuam sib txawv.

Yog li, ua ib tug hluas tsav tsheb tsim cov nqi pov hwm ntxiv, tab sis tam sim no koj paub yuav ua li cas txuag nyiaj.