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.
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.
In addition to homeowners insurance and auto insurance, medical professionals like physicians and surgeons often require medical professional liability insurance. Professional liability insurance, also referred to as medical malpractice insurance, protects them against loss resulting from acts, errors or omissions in their performance of professional duties.When purchasing medical professional liability insurance, physicians have two options-claims-made policies or occurrence insurance. Deciding between claims-made and occurrence may not always be easy, so it's crucial to consider the important points that pertain to each type of coverage to determine which will best suit your specific needs.Claims-Made Policies- Increased limit of liability - Physicians have the opportunity to increase their limit of liability, which determines how much their insurance company will pay to settle a negligence claim, and how many claims it would settle in one policy period. Considering that many doctors feel more comfortable with higher limits, an increased limit of liability can determine whether a claims-made policy is right for you.- Discounted premium - Claims-made policies offer an initial cost savings for the first four years. This is because insurance companies understand that the chance of a claim being filed during the first few years is slight, but increases over time. The premium will gradually increase each year until the coverage becomes mature at five years and the odds of a claim being reported is much greater.- Tail coverage - Since claims-made policies provide coverage only if the claim is first reported or filed during the policy period, physicians may need to purchase tail coverage to protect against claims made after the policy period ends. Medical professional liability claims often take a long time to develop, so a physician may not receive notice of the claim until years after the incident in question occurred. For instance, if a physician retires, allowing his/her insurance policy to end, and a claim comes in six months later, he/she will require tail coverage to protect against the claim.- Possibility of free tail coverage - There is a chance that the physician will not have to finance the cost of tail coverage, since many medical professional liability insurance companies provide a free tail to a physician that has been insured with the same company for a specified period of time and has complied with the insurer's provisions. Many insurance companies also offer free tail coverage to retiring physicians aged 55 or older who have been insured with them on a claims-made basis for the five years proceeding retirement.Occurrence Insurance- Coverage is permanent - Occurrence insurance protects against claims resulting from incidents that occur during the policy period, regardless of whether the policy is still in effect at the time the claim is made.- Avoid purchasing tail coverage- Since occurrence coverage is permanent, physicians can avoid the cost of tail coverage. Financing tail coverage can be quite expensive, costing up to 200% of the premium depending on the insurance company, so avoiding the cost of a tail may determine whether occurrence insurance is right for you.- The insurance company's financial stability must be secure - Considering that occurrence insurance is permanent, it's necessary to have complete confidence in your insurance company's finances. Medical professional liability insurance claims can take years to develop after an incident occurs, it's important to feel secure that your insurance company will still be in the position to protect you years after purchasing occurrence insurance.- Limit of liability remains unchanged - Unlike claims-made policies, the limit of liability at the time of purchase is the limit you will have when a claim is made, which is typically 3 to 5 years after the incident occurs.There are many important points to consider when deciding between claims-made policies and occurrence coverage. Contacting a trusted professional liability insurance agent is the best place to start.