Indlela Yokukhuluma Nabachwepheshe Bomshuwalense Wezimoto?
Lapho uthengisa umshuwalense wezimoto ezingabizi, uzodinga ukukhuluma nommeli womshuwalense wezimoto ngesikhatsi esithile. Ngisho noma yikuphi ukwesaba okungase kube khona, ukuxoxa ngezinketho zakho nge-agent yomshuwalense wemoto empeleni kuwusizo lwakho – uma nje ubuza imibuzo efanele. Yiqiniso, umsebenzi we-agent ukukwenza inzuzo kuwe ngokukuthengisa umshwalense wemoto kakhulu oyoyithatha. Kodwa ngokusebenza, i-agent enekhono empeleni izokusiza ukuthi ulondoloze ukheshi ngokukusiza ukuthi uthole ibhalansi efanele yokuvikelwa futhi ubiza izindleko nokuthola noma yikuphi ukugcinwa okungakalungela ngaphambili.Nokho, akuzona zonke izithunywa ezidalwa ezilinganayo. Yingakho kungumsebenzi wakho ukwenza umsebenzi othile wesikole ngaphambi kokuba uvakashele. Nakhu okudingeka ukwenze: Thatha ulwazi ngaphambi kokuba ufike. Ngaphambi kokuba ukhulume nomuntu nomuntu wegazi, thatha isikhathi sokuphequlula i-intanethi ngezinye izinzuzo ezinhle kumshuwalense wezimoto eshibhile.
Ungakwenza lokhu kalula ngekhodi ye-zip noma usesho lombuso nesifunda. Izinjini zomshuwalense wendawo yomshuwalense wendawo zivumela ukuthi uthole ukuthola uhlu lwezinsizakalo zomshuwalense wemoto eduze kwakho, kanye nokunikeza isaphulelo kanye nezaphulelo ezikhethekile. Thola izinhlelo eziningana zeminshuwalense ezifananisiwe futhi uhlele aphoyintimenti ukuxoxa ngezinhlelo ngefoni noma ngomuntu.
Uma uhlala phansi nesikhulu somshuwalense wemoto, qiniseka ukuthi ubazisa ukuthi uyithengisa. Ungase ufune ngisho nokubiza isilinganiso esinqunyiwe umncintiswano akucasile ngaso. I-agent yakho izokwazi ukukunikeza okuthile okuncintisana, noma uchaze ukuthi kungani icebo lakhe lingcono, futhi ngaleyo ndlela libiza kakhulu. Uma ukhuluma nommeli othunjiwe, uzokwazi ukukhombisa ukuthi izinhlelo zikhona ngokusebenzisa inkampani eyodwa. Noma kunjalo, i-ejenti ozimele izokwazi ukukunikeza izinhlelo ezivela ejensi eziningana ezehlukene.
Ngaphandle kwalokho, cela uhlu oluphelele lwezohwebo nokulondolozwa. Ungathola izaphulelo ezikhethekile zamalungu nobulungu, njengezinhlangano zama-alumni. Ungathola futhi isaphulelo uma uvuma ukukhokhela ama-premium akho ngonyaka, kunokuba unganenyanga. Okokugcina, ungagcina imali ebalulekile ngokuthatha i-deductible ephakeme. Buza i-agent yakho ngokuqondile ukuxoxa ngalezi zindlela bese uphawula izindleko ezijwayelekile zomzila ngamunye.
Kakhulu, khumbula ukuthi ungalokothi ugijimele. Ngenkathi ungashintsha amacebo akho ngokuhamba kwesikhathi, kungcono ukuxoxisana ngokudayisa okuhle ekuqaleni. ama-agent womshuwalense wezimoto uzama ukukuqinisekisa ukuba ubhalise nabo ngaphambi kokuba uhlole izinketho zakho, kodwa ugweme ukwenza ngaphambi kokuba uneliswe ucwaningo lwakho. Uma usuphethe uhlelo lwakho, ubuyekeze izinhlinzeko ezivela kuma-ejenti omshwalense womshwalense ngezikhathi ezithile ukuze ubone ukuthi okusha, izaphulelo ezingcono zisanda kutholakala. Ukusesha umshuwalense wendawo wendawo ku-intanethi kuyisikhulu futhi kulula. Kuthatha kuphela imizuzu emihlanu futhi kungakusindisa imali eningi eminyakeni ezayo.
Selecting health insurance for a small business is a somewhat complex task, at best. Whichever health insurance program you pick, it must match your company's needs and resources, so it is best to choose a self-employed health insurance professional that can guide you, and provide you the best information to enable you to make the best and most informed decision.Health insurance professionals are:Agents work on behalf of the company marketing and selling their products, and are paid commission based on sales.Brokers are licensed and represent a number of different company's products, usually compensated by the insurance company the sale is placed with. The broker must provide on-going service to clients of the company.Consultants evaluate group needs, design plans, and recommend the most reasonable company. The consultant is paid through the contract with the employer group. The contract outlines fees and servicing for the company.When choosing a company or carrier, you should make an informed decision based on the plans offered, the company or carrier's reputation, the agent's reliability (talk to people who use this company), the company's stability, and length of time in business.The New York State Department of Insurance publishes compliant ranking for health insurance providers that includes records of grievances, appeals for medical necessity, and department complaints which you can access through the following website: http://www.ins.state.ny.usTo find out about the financial stability of the company, ask for a copy of its ratings through A.M. Best & Co, Duff & Phelps, or Standard and Poor's. For additional information, contact the New York State Insurance Department, as they issue the carrier's licenses, and monitor their carrier's operations.You should also make note that insurers are required by law to disclose information on coverage parameters, utilization, review policies, prior authorization requirements, premiums, cost sharing, payment methods, responsibilities, grievances procedures, how to acquire emergency services, as well as procedures for selecting, changing, or accessing providers.As the owner of a policy from any health insurance company, you have certain rights. Most insurance contracts now have grievance conditions and clauses built in. This is useful if a provider denies access to a referral or judges, a benefit not covered under the signed policy agreement. The procedure must be outlined in the agreement and must be provided to the policyholder as written notice.You, as a policyholder, with a built in grievance procedure have the right to complain and have your complaint reviewed.
If you currently live in Missouri or you're planning to move there, auto insurance is something you'll definitely consider if you plan on owning an automobile. Auto insurance covers you in case you cause damage to any person's property or body, and it is absolutely required in order to register and drive any vehicle.Each state has its own laws and regulations when it comes to auto insurance, so it might be a good idea to visit Missouri's Department of Motor Vehicles website to get full details of exactly what you need. In general though, there is a minimum liability insurance that you need to be covered for. In the State of Missouri, this is as follows: $25,000 minimum coverage for bodily injury per person, $50,000 minimum coverage for each accident, and $10,000 minimum property coverage f or each accident. It's good to know this information when shopping around for car insurance so you're better informed and can get the policy that's best for you.Liability insurance, which is manditory in Missouri, does not cover the policy holder in the event of an accident. This type of insurance only covers third party drivers and property. To insure yourself and your own car, you should consider collision and comprehensive coverage. If you want even more peace of mind, you can opt for uninsured or underinsured driver insurance, which protects you in case someone hits your car and is uninsured or underinsured.When searching for the best car insurance rates in Missouri, the best advice is to shop around and compare at least 5 different insurance companies. You might be surprised to see how much policy rates differ between different companies, even for same or similar coverage options. That's why it's important to shop around and compare multiple car insurance rates.Even if you're currently insured, you might be able to save hundreds of dollars a year by switching auto insurance providers. You can compare multiple quotes online in a matter of minutes, so you've got nothing to lose, however you could end up saving a lot.The Missouri Insurance Information Service says more than 20,000 vehicles were reported stolen in 2008, nearly half of them in St. Louis and Kansas City. This would make sense considering these are two of the largest cities in the state, however this is bad news for residents of St. Louis and Kansas City as this means that they will probably be paying higher insurance rates due to the high auto crime rate. The five most commonly stolen vehicles in Missouri are the Dodge Intrepid, Ford Taurus, Pontiac Grand Prix, Dodge Stratus and Oldsmobile Cutlass, so you might want to avoid these cars to keep your car insurance rates as low as possible.