Ƙirar Ƙimar Mota, Ƙimar Da'awar, da Buga-da-Gudun Farfadowa¶

Lokacin da abin hawan ku ya lalace sosai a wani karo, sata kuma ba a dawo da shi ba, ko direban da ba a tantance ba ya buge shi, firgicin jiki nan da nan ya biyo bayan rikicin kuɗi. Masu ɗaukar inshorar mota suna amfani da software na ƙima ta atomatik don samar da farkon jimillar tayin asara wanda ke zama dubunnan daloli a ƙasan farashin dillali na gaskiya na abin hawan ku, ko fitar da ƙwaƙƙwaran da'awar da ke nuna keɓancewar manufofin, zargin gazawar ɗaukar hoto, ko jayayya. Idan kuna ɗaukar lamuni ta atomatik, biyan kuɗi na ɗan wasa na Gaskiya na Gaskiya (ACV) na iya barin ku ba tare da mota ba yayin da har yanzu kuna da dubunnan daloli akan ma'auni na rashi lamuni, kuma a lokaci guda suna fuskantar ƙarewar ɗaukar motar haya a cikin awanni 72 na tayin sulhu.

Ba dole ba ne ka karɓi lambar ƙima ta farko ta mai gyara inshora ko ƙaryar ɗaukar hoto da ba a tabbatar ba. Kowane hukunce-hukuncen yana tsara yadda masu inshorar motoci ke ƙididdige madaidaitan ƙofofin asara, waɗanne irin motocin da aka ba su izinin amfani da su bisa doka, da kuma yadda za su amsa da sauri ga ƙarar ƙararraki da buƙatun sashe na ƙima. Ta bin diddigin rahoton ƙimar layi na dillali don datsa, nisan mil, da kurakurai masu daidaitawa, yin kira ga sashin kima mai zaman kansa na manufofin ku, da haifar da lalacewar dukiya mara inshora (UMPD) ko ɗaukar rikici bayan faɗuwa-da-gudu, zaku iya tilasta sasantawar kasuwa mai adalci da kare zirga-zirgar gidanku da kuɗin ku.

Yi wannan yanzu¶

1. Tabbatar kowa yana cikin koshin lafiya kuma ya aminta lambar rahoton hatsarin 'yan sanda na hukuma. Idan duk wanda ke wurin da hatsarin ya faru ya ji rauni ko kuma haɗarin zirga-zirga ya ci gaba da aiki, kira lambar gaggawa ta gida (911 a Amurka da Kanada, 112 a cikin Tarayyar Turai, 999 a Burtaniya, ko duba) lambobin gaggawa). Don kowane da'awar direban mota da ba ta da inshora, dole ne ka bayar da rahoton hatsarin ga jami'an tsaro a cikin awanni 24** (ƙayyadaddun ƙayyadaddun ƙayyadaddun kwangila a yawancin manufofi) kuma sami lambar rahoton abin da ya faru.
2. Kada ku taɓa sanya hannu kan ikon lauya, sakin take, ko rajistan sasantawa da aka yiwa alama "cikakke kuma na ƙarshe." Kada ku sanya hannu kan taken motar ku, aiwatar da ikon lauya, ko karɓar musayar kuɗin lantarki mai laƙabi a matsayin cikakkiyar sakin ƙarshe har sai kun yarda a rubuce zuwa ƙimar Cash ta ƙarshe (ACV), biyan harajin tallace-tallace, da biyan kuɗin rajista. Tambayi mai insurer idan za su bayar da ** biya ba tare da jayayya ba* yayin barin jayayyar kimar ku a buɗe.
3. ** Nemi cikakken 15-zuwa-30-shafi CCC One, Mitchell, ko Audatex Rahoton Ƙimar Kasuwar.** Lokacin da mai daidaitawa ya ba ku tayin asarar jimlar ta baki ko shafi ɗaya, amsa nan da nan a rubuce: "Don Allah a yi mini imel ɗin cikakken rahoton ƙimar kasuwa na ɓangare na uku (CCC One, Mitchelluda Worktexable), ko duk abin da ke nuna ƙimar ƙimar kasuwa, ko duk abin da ake iya daidaitawa, ko duk abin da ake iya daidaitawa. gyare-gyare, da cirewar yanayin."
4. Dakatar da kuɗaɗen ajiya na yau da kullun ta hanyar ba da izinin ƙaura zuwa filin ceto mara kuɗi ba tare da sakin taken ba. Idan motarka da ta lalace tana zaune a wani shinge mai zaman kansa ko shagon jikin mutum yana cajin USD 50 zuwa 150 a kowace rana a cikin kuɗin ajiya, mai insurer zai yanke kuɗin ajiyar kuɗi bayan ya ba ku sanarwa kuma ya cire duk wani cajin ajiya kai tsaye daga biyan kuɗin ku. Ba da izini ga mai insurer ya motsa motar zuwa wurin riƙe su (irin su Copart ko IAA) kawai don ** dubawa da ajiyar kuɗi kyauta kawai **, yayin da a bayyane a rubuce cewa ba ku *** kuna sakin mallakar ko yarda da ƙimar su ba.
5. Tara watanni 12 na rasit ɗin kulawa da manyan daftarin kayan aiki na baya-bayan nan. Jawo rasidu don kowane taya, birki, baturi, sake ginawa na watsawa, aikin dakatarwa, ko kayan bayan kasuwa da aka girka a cikin watanni 12 zuwa 24 na ƙarshe, tare da hotuna masu nuna tsabtar ciki da waje na motarka kafin hatsarin.
6. ** Shigar da sanarwar da'awar inshora ta GAP nan da nan idan kuna binta fiye da ƙimar motar.** Idan motar ku tana da kuɗi ko hayar ku kuma biyan bashin ku ya wuce abin da aka bayar na ACV na farko, sanar da mai kula da Kariyar Kayayyakin Kaya (GAP) ko mai ba da bashi nan da nan don buƙatar jerin abubuwan da'awar su da ƙa'idodin ƙarshe (yawanci ** 60 zuwa ranar 90 na asarar).

Jimlar asara, ƙin da'awar, da bishiyar yanke shawara mai ƙarfi da gudu¶

flowchart TD
    Root["Vehicle Damaged, Totaled, or Struck in Hit-and-Run"]
    IssueType{"What is the primary insurance crisis?"}
    Lowball["Total Loss Lowball Offer:<br/>Insurer ACV payout is far below<br/>real retail replacement cost"]
    HitRun["Hit-and-Run or Uninsured Driver:<br/>At-fault driver fled the scene<br/>or carries zero active insurance"]
    Denial["Outright Claim Denial:<br/>Insurer denies coverage for lapse,<br/>excluded driver, or fault dispute"]

    GetReport["1. Demand full CCC One / Mitchell Valuation Report<br/>2. Audit year, trim, options, and mileage<br/>3. Remove bogus Conditioning deductions"]
    FindComps["Gather 3 to 5 local dealer retail comps<br/>within 50 to 160 km (30 to 100 miles)<br/>plus sales tax and title fee calculations"]
    AppraisalCheck{"Is this your own policy (First-Party)<br/>or the other driver's (Third-Party)?"}
    FirstParty["First-Party Policy:<br/>Submit formal ACV Counter-Demand;<br/>if deadlocked, invoke Policy Appraisal Clause"]
    ThirdParty["Third-Party Claim:<br/>Switch to your own Collision coverage,<br/>or serve Small Claims / Civil Demand on at-fault driver"]

    Police24["1. File police report within 24 hours<br/>2. Canvas scene for dashcam, ring camera,<br/>and business CCTV within 48 hours"]
    CoverageCheck{"Which coverages do you carry<br/>on your declarations page?"}
    HasUMPD["UMPD / Collision Coverage:<br/>File under UMPD (often lower deductible)<br/>or Collision with uninsured deductible waiver"]
    NoUMPD["Liability Only (No UMPD or Collision):<br/>Identify plate via CCTV/witnesses,<br/>apply to State Motor Vehicle Victim Fund,<br/>or sue identified uninsured driver"]

    DenialLetter["1. Demand formal written Denial Letter<br/>citing exact policy language and facts<br/>2. Request complete claim file logs"]
    AppealDOI["File Internal Supervisory Appeal AND<br/>Formal Complaint with State Department of Insurance<br/>or Financial Ombudsman Service"]

    Root --> IssueType
    IssueType -->|Lowball Valuation| Lowball
    IssueType -->|Hit-and-Run / Uninsured| HitRun
    IssueType -->|Claim Denied| Denial

    Lowball --> GetReport
    GetReport --> FindComps
    FindComps --> AppraisalCheck
    AppraisalCheck -->|Own Insurer| FirstParty
    AppraisalCheck -->|At-Fault Insurer| ThirdParty

    HitRun --> Police24
    Police24 --> CoverageCheck
    CoverageCheck -->|Has UMPD or Collision| HasUMPD
    CoverageCheck -->|Liability Only| NoUMPD

    Denial --> DenialLetter
    DenialLetter --> AppealDOI

Yadda masu inshorar mota ke lissafin jimillar asara da kuma inda suke biyan kuɗi¶

1. Matsakaicin Matsakaicin Asara na Doka da Jimlar Asara Formulas (TLF)¶

Kamfanin inshora ya ayyana abin hawa a matsayin "jimlar asara" lokacin da farashin gyara lalacewar hatsarin ya kai ƙayyadaddun rabo na abin da ya faru kafin hatsarin motar Actual Cash Value (ACV). Dangane da ikon ku, masu inshora dole ne su bi ɗayan hanyoyin lissafin doka guda biyu:

• ** Jimlar Ƙaddamar Kashi Kashi (50% zuwa 100% Dokoki):** Kimanin jihohin Amurka 30 da hukunce-hukuncen ƙasashen duniya da yawa sun kafa ƙaƙƙarfan ƙa'ida mai ƙarfi. Misali, idan wata jiha ta saita madaidaicin kashi 75 cikin 100 *** (kamar Florida, New York, ko Texas a kashi 100; Iowa ko Oklahoma a kashi 50 zuwa 60), ana buƙatar mai insurer bisa doka don bayyana motar gaba ɗaya asara lokacin da aka ƙiyasta gyara ya kai kashi 75 cikin 100 na motar ACV. Masu insurer kuma za su iya zaɓar "jimlar asarar tattalin arziki" a ƙaramin kashi idan ɓoyayyen firam ɗin yana yiwuwa.
• Jimlar Tsarin Asara (TLF): A cikin jahohi da larduna da ke amfani da Jumlar Loss Formula (ciki har da California, Illinois, Ohio, Pennsylvania, da Ontario), mai insurer yana ƙara ** Farashin Gyarawa + Ƙimar Ceto Mai Haɓakawa**. Idan adadin kuɗin da aka haɗa ya yi daidai ko ya wuce kashi 100 na Ƙimar Kuɗi na gaskiya kafin hatsari, abin hawa ya cika. Saboda motocin da aka yi amfani da su tare da ingantattun hanyoyin tuki suna ba da umarnin babban farashin gwanjo (sau da yawa 25 zuwa 35 bisa dari na ACV), mota a cikin jihar TLF za a iya tarawa ko da lokacin da farashin gyara ya kasance kashi 65 cikin dari na ƙimar sa.

2. Binciken rahoton ƙimar CCC One, Mitchell, ko Audatex¶

Masu gyara inshora ba sa bincika gidajen yanar gizon mota don kimanta abin hawan ku. Madadin haka, suna ciyar da Lambar Shaida ta Motar ku (VIN) cikin software na ƙima, galibi ** CCC Intelligent Solutions (CCC One)**, Mitchell WorkCenter, ko Audatex (Solera), wanda galibi yana lalata adadi na ACV na ƙarshe. Da zarar ka sami cikakken rahoton mai shafi 15 zuwa 30, duba waɗannan takamaiman wurare guda shida inda kurakurai da ragi na wucin gadi ke ɓoye:

1. ** Rasa Fakitin Gyaran Masana'antu da Zaɓuɓɓuka:** Ƙirar VIN mai lamba 17 akai-akai yana kewar dillali da aka girka ko fakitin masana'anta (kamar sarrafa jirgin ruwa mai daidaitawa, rufin rana, ingantattun kayan ciki na fata, fakitin ja, tsarin sauti mai ƙima, ko duk-datsa-tsara). Kwatanta jerin abubuwan da ke shafuffuka na 3 zuwa 5 na rahoton kimantawa akan sitika na taga na asali (lambar Monroney, wacce za ku iya cire ta VIN daga sashin sabis na dillali) kuma tabbatar da cewa an duba kowane zaɓin masana'anta.
2. ** Daidaita "Saidai" ko "Sayar da Haɓaka":** CCC Rahoton ɗaya akai-akai suna ɗaukar farashin tallace-tallacen da aka tallata na motocin kwatankwacinsu a dillalan gida kuma suna cire ta atomatik "daidaitawar kwandishan" ko "daidaitawar siyar"* (sau da yawa ** 700 zuwa $ 2, dangane da adadin abin hawa). dillalai suna rage farashin da suke nema ko kuma kashe kuɗi don gyara motoci akan kuri'a. A cikin kasuwar hada-hadar motoci ta zamani, yawancin dillalai suna amfani da farashi ba tare da ɓata lokaci ba kuma suna ƙara kuɗin takaddun dila na tilas maimakon rangwamen motoci. Bukatar a cire cirewar da aka yi hasashe da ba a tallafawa ba.
3. ** Rashin Adalci na Cikin Gida, Fenti, da Rage Yanayin Taya:** Software na ƙima yana ƙididdige ƙimar motar ku a cikin nau'ikan nau'ikan nau'ikan (Mechanical, Taya, Paint, Jiki, Gilashin, Ciki) akan sikeli kamar Rough / Matsakaici / Tsabtace / Dillali Retail. Masu gyara filin da ke duba tarkacen mota zaune a cikin yadi mai ƙura da aka lulluɓe da gilashin da aka karye kuma an tura fodar jakar iska akai-akai suna nuna ciki da fenti a matsayin "Rough" ko "Below Average," yana haifar da ɗaruruwan ko dubban daloli a cikin ragi mara adalci. Samar da hotuna masu hatimi na lokaci-lokaci, ma'aunin zurfin tudun taya, da canjin mai ko bayanan bayanai don tilasta haɓakawa zuwa ** Dillali Retail *** ko ** Tsaftace Matsayi.
4. Hukunce-hukuncen Matsakaicin Matsakaicin Matsakaicin Matsala: Bincika madaidaicin karatun ometer da aka rubuta akan rahoton kimantawa. Idan baturin motar ya mutu a cikin hatsarin kuma mai daidaitawa ya kiyasta nisan nisan ya yi tsayi sosai, ko jujjuya lambobi, software ɗin za ta yi amfani da hukunci mai nauyi mai nauyi. Akasin haka, idan abin hawan ku yana da ƙarancin nisan nisan miloli fiye da matsakaicin na shekarar ƙirar sa, tabbatar da cewa rahoton ya yi amfani da cikakkiyar ƙimar ƙarancin nisan mil.
5. ** Motoci masu kamanceceniya, masu nisa, ko žasa ("Comps"):** Duba ainihin VINs, wurare, da sunayen dillalan motocin kwatankwacin 3 zuwa 12 da aka jera a cikin rahoton. Masu inshora akai-akai suna jan comps daga kasuwannin karkara mai nisan kilomita 160 zuwa 320 (kilomita 100 zuwa 200) inda motoci ke siyar da rahusa, sun haɗa da tsoffin motocin haya na haya ko motocin da ke da tarihin ceto ko tarihin haɗari akan Carfax, ko jera motocin da aka sayar watanni da suka gabata kuma ba sa samuwa don siya. Bincika VIN na kowane comp akan rahoton ta hanyar Google da tashoshin tarihin abin hawa; idan comp ya sami lalacewar haɗari na farko, an jera shi ta hanyar gwanjo mai yawa, ko kuma ya ɓace kunshin ku, nemi mai inshorar ya buge shi daga ƙimar.
6. ** Harajin Tallace-tallacen da aka Rage, Take, Rijista, da Kudaden Takardun Dila:** A cikin fiye da jihohin Amurka 35 da galibin lardunan Kanada, ana buƙatar masu inshora bisa doka ƙarƙashin ƙa'idodin sasantawa na rashin adalci don mayar da ba kawai ACV abin hawa ba, har ma ya dace ** harajin tallace-tallace na gida da na gida *** (sau da yawa 6 zuwa kashi 10 na ƙima), da kuma canja wurin kuɗi. da ake bukata don saka motar da za ta maye gurbin hanya. A kan abin hawa 25,000 USD a cikin ikon haraji na kashi 8, barin harajin tallace-tallace da kuɗaɗen alamar yana rage biyan kuɗin ku da fiye da ** USD 2,000 ***.

Mataki-mataki: Yadda ake yaƙi da tayin asarar jimlar lowball¶

Mataki 1: Gina Fakitin Shaidar ku na comps dillalan gida¶

Kada ku yi gardama da mai daidaita inshora bisa ƙima, abin da kuka biya don motar, ko abin da kuke bi a kan rancen mota; Babu ɗayan waɗannan alkalumman da suka shafi Haƙiƙanin Ƙimar Kuɗi bisa doka. Madadin haka, gina fakitin kimantawa na asibiti, na tushen shaida:

1. ** Jawo jerin dillalan dillalan gida guda 3 zuwa 5 iri ɗaya:** Neman ikon mallakar ikon mallakar ikon mallakar ikon mallakar kamfani da dillalai masu zaman kansu a tsakanin kilomita 50 zuwa 160 (mil 30 zuwa 100)** na lambar akwatin gidan ku don motocin ** daidai wannan shekarar, yi, samfuri, matakin datsa, tuƙi, da irin wannan nisan mil**, 0000, mil mil. Guji jeri-jerin ƙungiyoyi masu zaman kansu sai dai idan abin hawan ku ba kasafai ba ne ko tsohuwar mota mai tsayi da ba a siyar da ita akan ɗimbin dila.
2. ** Ajiye cikakkun PDFs na kowane jeri:** Buga ko adana cikakken PDF na kowane tallace-tallace da ke nuna **VIN, farashin neman, nisan mil, hotuna, zaɓuɓɓukan da aka haɗa, da bayanan tuntuɓar dillali *** kafin lissafin ya ɓace akan layi.
3. ** Ja dillalin NADA / J.D. Power da Kelley Blue Book (KBB) Dillalan Dillalan kimantawa:** A cikin jihohi da yawa (kamar Connecticut da Rhode Island), ƙa'idodi a sarari suna buƙatar masu inshorar su matsakaita adadi software ɗin su tare da buga ** NADA / J.D. Retail Clean Retail** ƙimar littafin. Ko da inda ba a ba da izini bisa ka'ida ba, rufewa J.D. Power Clean Retail bugu yana ƙarfafa tushen tattaunawar ku.

Mataki 2: Aika Jimlar Ƙimar Haɓaka Haɓaka Haɓaka Wasiƙar Buƙata¶

Aika buƙatun da aka rubuta ta hanyar imel da ƙwararrun wasiku zuwa ga jimillar mai daidaita asarar da mai kula da da'awarsu:

Maudu'i: Ƙimar Ƙimar Farko na Ƙimar Asarar Farko da Buƙatar ACV: Da'awar #[Saka Lambar Da'awar]

Masoyi [Mai daidaita Suna],

Na sake duba tayin farkon asarar ku na [Saka Adadin Bayar Inshor] da mai rakiyar [CCC One / Mitchell] Rahoton ƙimar kasuwa mai kwanan wata [Saka Kwanan wata] na ** [Shekara, Yi, Model, Gyara, VIN]**. Na ƙi wannan ƙimar farko a bisa ƙa'ida saboda baya nuna ainihin ƙimar hatsari na gaskiya (ACV) da ake buƙata don maye gurbin abin hawa na da abin hawa mai kama da inganci a yankin kasuwa na.

Musamman, bincike na na rahoton kimar ku ya gano kurakuran kayan aiki masu zuwa da abubuwan da aka rasa: 1. ** Zaɓuɓɓukan Zaɓuɓɓuka da Abubuwan Gyara:** Shafukan [X zuwa Y] na rahotonku sun kasa yin lissafin zaɓuɓɓukan da aka shigar da masana'anta masu zuwa waɗanda aka tabbatar akan takaddar ginin VIN na abin hawa na: [Jerin zaɓuɓɓukan da suka ɓace, misali, Kunshin Luxury, Kujerun Fata masu zafi, Rufin Panoramic, Kunshin Jawo]. 2. ** Motoci masu lahani:** Mota mai kama da #[X] (VIN: [Saka VIN]) a cikin rahoton ku [yana da tarihin hatsarin da ya gabata / yana da ƙananan tushe / yana da nisan kilomita 225 (kilomita 140) a waje da kasuwar gida ta / ba ta nan don siyarwa] kuma dole ne a cire shi daga lissafin. 3. ** Rage Tsare-tsaren Siyar da Ba a Tallafawa ba:** Rahotonku ya shafi cirewar software na sabani na [Saka Adadin Dala] a cikin jeri-jeri masu kama da juna ba tare da wata shaidar kasuwa da ke nuna dillalai a [Saka Birni/County] rangwamen tallace-tallacen tallace-tallacen da ke ƙasa jeri. 4. ** Matsayin Hali da Kayayyakin Kwanan nan: ** An haɗa su da rasidin kulawa da hotunan hasarar da ke nuna cewa abin hawa na yana cikin ** Tsaftace / Dillali Retail , gami da sabon ** [tayoyin / birki / baturi] wanda aka sanya akan [ Kwanan wata] don [Kudin Dollar].

Haɗe don Allah sami ** [4]** jerin dillalan dillalai na yanzu a cikin [80km / 50 mil] na mazaunina don iri ɗaya ** [Shekara, Yi, Model, Gyara]** motocin da ke da misalan mile, wanda matsakaicin [Saka Matsakaici Comp Price]. Ƙara harajin tallace-tallace na tilas na jiha da na gida na [X%] ([Ƙididdigan Dola]) tare da take da kuɗin canja wurin rajista ([Ƙididdigan Dollar]), ainihin farashin canji na abin hawa na shine [Saka Jimlar Adadin Buƙatar Buƙatar].

Da fatan za a sabunta rahoton kimantawa don gyara waɗannan abubuwan da aka tsallake kuma a samar da rugujewar sulhu a rubuce a cikin kwanakin kasuwanci 5. Idan ba za mu iya warware wannan gibin kima ba cikin kwanciyar hankali, da fatan za a ba ni shawara game da tsarin fitar da ɓangaren ACV da ba a yi gardama ba yayin da nake kira Tsarin Ƙimar Ƙimar*.

Gaskiya, ** [Sunanka, Lambar Waya, da Adireshin Aikawa]**

Mataki na 3: Kira "Tsarin Ƙimar" akan manufofin jam'iyyar farko¶

Idan kuna da'awar a ƙarƙashin ** tsarin inshora na ku *** (Kasuwa ko Cikakken ɗaukar hoto) kuma mai daidaitawa ya ƙi wucewa tayin ƙaramar ƙwallon ƙafa, kayan aikinku mafi ƙarfi shine * Bayanin kimantawa** na manufofin ku. Kusan kowace daidaitattun manufofin keɓaɓɓiyar keɓaɓɓen keɓaɓɓen manufofin keɓaɓɓu a cikin Amurka da Kanada (ƙarƙashin sashe mai taken Kima a cikin Sashe na D: Rufewa don Lallacewa ga Motar ku) yana ba ko dai ku ko mai insho hakkin ɗaukar ƙimar ƙimar gaba ɗaya daga hannun masu daidaita kamfanin inshora:

1. Yadda Maganar Kiyasta ke aiki: Kuna aika da rubutaccen sanarwa mai jimla biyu yana mai cewa: "Bisa ga tanadin kima na manufofina, Ina kiran kima a hukumance don warware takaddama kan Haƙiƙanin Kuɗin Kuɗi na abin hawa na tare da nada [Sunan Mai ƙima mai zaman kansa] a matsayin mai tantancewa."
2. ** Masu ƙididdigewa masu zaman kansu da Umpire: *** Kuna hayar mai kima ta atomatik mai lasisi (yawanci farashi ** 250 zuwa 550 USD *** farashi mai fa'ida), kuma kamfanin inshora dole ne ya yi hayar nasu mai zaman kansa a waje akan kuɗin nasu. Masu tantance masu zaman kansu guda biyu suna kwatanta bayanan kasuwa kuma suna yin shawarwari. Idan masu kima guda biyu sun yarda akan ƙima, adadin dalar ta zama ** bisa doka ta dauri ** akan kamfanin inshora. Idan ba za su iya yarda ba, sai su zaɓi mai ƙima na uku mai tsaka-tsaki da ake kira ** Umpire ** (wanda ke raba kuɗin umpire 50/50), kuma duk wani ƙimar da biyu daga cikin ukun suka amince da su ya zama dole.
3. ** Me yasa masu insurers sukan daidaita lokacin da kuke kira Kiwon Lafiya: *** Domin hayar mai kima na waje da raba kuɗin umpire yana biyan kamfanin inshora ** 600 zuwa 1,200 USD ** a cikin kuɗin gudanarwa, kuma masu ƙima masu zaman kansu suna cin nasara akai-akai ** 1,500 zuwa 4,500 USD *** yana ƙaruwa akan ƙimar software na CCC One, akai-akai 000 masu kula da 2. USD daidaitawa yana ƙaruwa lokacin da kuka kira jumlar kima a rubuce.

Ceto mai riƙe da mai shi, tarkunan inshora na GAP, da motocin haya¶

1. Ceto mai-riƙe: Tsayawa motar ku duka¶

Idan abin hawan ku ya sami mummunar lalacewa ta kayan kwalliya, kamar ƙanƙara mai yaɗuwa ko ƙanƙara a jikin tsohuwar motar, kuma ta kasance lafiyayyen tuƙi, kuna iya ajiye motar (** Ceto-Rikin Mai Mallaka**) yayin karɓar ragi:

• Ba a Halatta Lamunin Lamuni: Zaku iya riƙe ceto kawai idan kun mallaki motar gaba ɗaya ko kuma idan ragin kuɗin ya biya kashi 100 na lamunin mota.
• ** Rage Ƙimar Ceto da Alamar Laƙabi:** Mai inshorar yana cire abin da za a cire kuɗin manufofin ku da motar motar ** Ceto Darajar Kuɗi** (yawanci kashi 15 zuwa 30 na ACV) daga biyan kuɗin ku. Sai dai idan motarka ta cancanci shekaru ko ƙanƙara-kawai keɓancewar doka, DMV za ta sanya sunan take a matsayin ** Ceto ***, yana buƙatar jiha ** Sake Gina Binciken Mota *** kafin ku iya tuka ta akan titunan jama'a.

2. Rashin inshorar GAP da kari na motocin haya¶

Idan biyan kuɗin ACV na ƙarshe na abin hawan ku bai kai ma'auni na rancen ku ba, ** Garanti Kariya (GAP)** yana rufe ƙarancin lamuni, ƙarƙashin keɓance maɓalli:

• **Abin da GAP ya ƙi Biya: *** Kwangilolin GAP sun keɓance ɓangarorin da ba daidai ba daga kasuwancin da suka gabata, biyan kuɗi na wata-wata, makudan kudade, da pro-rata ƙarin ƙarin ƙarin (ƙarashin garanti, kwangilar sabis, tsare-tsaren taya). Tuntuɓi dila mai siyarwa nan da nan bayan hadarin don soke duk garanti mai iya dawowa don haka kiredit ɗin ya rage babban rancen ku, kuma ku ci gaba da biyan kuɗin mota na wata-wata har sai an tabbatar da duka biyun.
• Ƙara Rufin Motar Hayar: Masu inshora sukan yi ƙoƙarin yanke motocin haya ** awanni 72** bayan tayin asara ta farko. A kan manufar ƙungiya ta farko, nuna a rubuce cewa agogon yankewa ba zai iya farawa ba har sai mai insurer ya ba da cikakkiyar tayin sasantawa ba tare da kurakuran ƙima ba. A kan da'awar wani ɓangare na uku a kan mai insurer kuskure, buƙatar ** Asarar Amfani ** ɗaukar hoto (ko asarar Amfanin kuɗi) don daidaitaccen lokacin sauyawa na 5 zuwa kwanaki 10 bayan biyan kuɗi.

Buga-da-gudu da direba mara inshora: Yadda ake biyan kuɗi¶

Lokacin da wani direban ya faɗo cikin motar ku kuma ya gudu daga wurin, ko kuma ba ya ɗaukar inshora mai aiki, dawo da asarar ku yana buƙatar matakai na gaggawa:

1. Dokar rahoton 'yan sanda na sa'o'i 24 da "motocin fatalwa": Kusan kowace manufar Motoci marasa inshora (UM) tana buƙatar ka kai rahoton bugu da gudu ga 'yan sanda cikin awanni 24**. Bugu da ƙari, a kusan rabin jihohin Amurka da lardunan Kanada, ɗaukar hoto na UM yana buƙatar ** ainihin tuntuɓar jiki* tsakanin motar da ke gudu da abin hawan ku; idan "motar fatalwa" ta tilasta ka kashe hanya ba tare da taɓa motarka ba, masu inshora za su rarraba ta a matsayin hatsarin mota guda ɗaya sai dai idan ba ka samar da ** shaidar gani da ido mai zaman kanta ko bidiyon dashcam **.
2. Binciken Farantin Sauri (Sa'o'i 48 na Farko): Saboda Lalacewar Dukiyar Motoci marasa Inshora (UMPD) a cikin jihohi da yawa (kamar California, Illinois, Ohio, da Jojiya) ** kawai yana biya idan an gano direban da ke gudu ko farantin lasisi **, zana wurin da ya faru a cikin sa'o'i 48 don kasuwanci na CCTV, kyamarori na bas na birni, da kyamarar bidiyo na RVR. Tattara duk wani fashewar fitilar fitilun mota ko robobin da aka yi wa hatimi tare da lambar sashin OEM ***, kuma ba kowace lambar farantin lasisi kai tsaye ga mai daidaita inshorar ku, wanda zai iya gudanar da binciken bayanai nan take ** Gano Mai ɗaukar kaya ** don gano mai shi da mai inshorar.

Yaƙin ƙaryar da'awar inshora ta mota kai tsaye¶

Idan kamfanin inshora ya musanta da'awar ku kai tsaye, nemi na yau da kullun ** Wasiƙar ƙaryata Rubutu ** tana yin la'akari da ainihin maƙasudin manufofin da ainihin tushen tushe, sannan ku ƙididdige waɗannan dalilan ƙaryata gama gari:

1. "Manufar Rashin Biyan Kuɗi": Masu inshora ba za su iya soke manufofin shiru ba tare da aika wasiƙar doka ba ** Sanarwa na Sokewa don Rashin Biyan Kuɗi ** tare da tagawar magani na tilas (yawanci ** kwanaki 10 zuwa 15**) da kiyaye hukuma ** tabbacin aikawasiku ***. Bukatar rajistan lissafin lissafin da aka rubuto da shaidar aikawa; idan sanarwar bata da lahani, ɗaukar hoto yana ci gaba da aiki a ranar faɗuwar.
2. "Direban Gidan da Ba a Lasafta Ba" vs. Direba Mai Suna Mai Suna: Sai dai idan kun sanya hannu kan takamaiman Taimakon Direba suna ba wa wannan mutum suna, dokokin wajibcin kuɗi na jiha da ka'idodin amfani da izini sukan hana masu inshora ɓata ɗaukar hoto na wani direban lokaci-lokaci ko sabon shigowa.
3. "Rideshare / Bayarwa Bayarwa": Idan mai inshorar ya musanta da'awar saboda ana iya ganin jakunkuna na isarwa a cikin motar ku, samar da hotunan kariyar bayanan Uber, Lyft, DoorDash, ko rajistan ayyukan direba na Instacart waɗanda ke tabbatar da cewa an kashe ku ** da tuƙi don amfanin kanku a lokacin haɗarin.
4. Kalmar Magana-Vs.-Kalmar Magana: Juyar da mahadar gardama ko musun canjin layi ta hanyar jawo abin hawa ** Rikodin Bayanan Abubuwan da suka faru (EDR / "Black Box")** bayanan faɗuwa, ɗaukar hoto na murkushe kusurwoyi, ko samun mai inshorar ku kai karar zuwa ** Inter-Company Arbitration**.
5. Korafe korafe-korafe da Rage darajar: Haɓaka ƙin yarda da rashin dacewa ko jimillar take haƙƙin asara ga jiharku ** Sashen Inshora (DOI)** a cikin Amurka, Ma'aikatar Ombudsman ta Kuɗi (FOS) ko ** Ofishin Inshorar Motoci (MIB)** a cikin Burtaniya, GIO a Kanada, ko Ostiraliya. Idan an gyara motarka bayan wani hatsarin da ba na kuskure ba, koyaushe shigar da da'awar ** Inherent Diminished Value (DV)** akan mai insurer (ko ƙarƙashin manufofin ku a Jojiya a ƙarƙashin * State Farm v. Mabry*) don dawo da raguwar kashi 10 zuwa 25 cikin 100 na ƙimar sake siyarwa ta hanyar rikodin hatsarin Carfax.

Tambayoyin da ake yawan yi¶

An duba tushe¶

• Ƙungiyar Kwamishinonin Inshora ta Ƙasa (NAIC, Amurka): Model Rashin Adalci Dukiya/Kasuwancin Da'awar Settlement Practices Regulation (MDL-902), Jagorar Abokin Ciniki zuwa Jimillar La'akarin Asarar Inshorar Mota, da Jimillar Asara ta Jiha.
• Cibiyar Bayanin Inshora (III, Amurka): Yadda Masu Inshorar Motoci ke Ƙaddara Ƙimar Kuɗi na Gaskiya (ACV), Dokokin Kula da Motoci marasa Inshora da Marasa Inshorar ta Jiha, da Bayanin Inshorar GAP.
• Ma'aikatar Inshora ta California (CDI, Amurka): * Dokokin Ayyukan Gudanar da Da'awar Daidaitawa (Sashe na 10 CCR 2695.8: Jimlar Ƙimar Ƙimar Motar Asara, Bukatun Motoci masu Kwatankwacinsu, da Maida Harajin Talla)*.
• Sabis na Ombudsman Kudi (FOS, United Kingdom): Inshorar Mota: Ƙimar Motar da Aka Rubuce A Matsayin Jimillar Asara, Jagororin Farashin Kasuwanci, da Jagorar Rage Rashin Adalci.
• Ofishin Masu Inshorar Motoci (MIB, United Kingdom): Yarjejeniyar Direbobi da Ba a Gano Ba da Tsarin Yarjejeniyar Da'awar Direbobi.
• Hukumar Kula da Ayyukan Kuɗi na Ontario (FSRA, Kanada) & Ofishin Inshora na Kanada (IBC): Manufofin Mota na Daidaitawa (OAP 1) Sharuɗɗa na Doka, Lalacewar Dukiya ta Kai tsaye (DCPD), da Dokokin Gyaran Rigima.
• Hukumar Korafe-korafen Kudade ta Ostiraliya (AFCA, Ostiraliya): Tsarin Motar Jumlar Hatsarin Ƙimar Ƙimar Kasuwar Asara da Ƙididdiga na Ƙarfafa Ƙirar Inshora.

Jagora masu alaƙa¶

• Mallakar mota da haƙƙin dawo da abin hawa
• An yi aiki tare da ƙarar farar hula
• Wahalar kudi kwatsam
• Kasafin kudi na gaggawa yayin asarar kudin shiga