Ƙwallon Ƙwallon Ƙwararrun Ƙimar Asarar Inshora ta Auto: Binciken Rahoton CCC Ɗaya, Kiran Ƙimar Ƙirar, da Sarrafa Gajerun GAP¶

Karɓar kiran tarho ko imel daga mai daidaita inshorar mota yana bayyana motar ku a "Total Loss" da bayar da rajistan sasantawa wanda ke tsakanin $3,000 zuwa $8,000 a ƙasa da abin da yake kashewa don siyan mota iri ɗaya a kan dillali mai yawa, ko dubban daloli ƙasa da ma'auni na biya akan lamunin auto, babban gaggawar kuɗi ne. Manyan masu inshorar motoci ba safai suke kallon jagororin farashin mabukaci kamar Kelley Blue Book (KBBDillali lokacin da ake ƙididdige ƙimar kuɗin kuɗin motar ku (ACV). Madadin haka, sama da kashi 90 cikin 100 na masu inshorar motoci na Amurka suna haifar da jimlar asarar kuɗi ta amfani da software na ɓangare na uku, musamman ** CCC Intelligent Solutions (CCC One Market Valuation Report, ** Jimlar asarar Mitchell WorkCenter (J.D. Power, ko **Audatex (klzzwx0003, wanda a tsare-tsare yana rage biyan kuɗi ta nyar da ba a taɓa gani ba "Saitun Yanayi," "Saitunan Gyaran Kayan Aiki," an cire fakitin masana'anta, da harajin tallace-tallace na jihar da ba a gano ba. Idan kuna fuskantar matsalar jimlar asarar ƙwallon ƙafa bayan haɗari, ambaliya, ko sata, kiyaye yankin ku lambobin gaggawa akwai don taimakon gaggawa na gefen hanya da na doka, kuma ku tuntubi mu ƙin da'awar inshorar mota da jagorar direba mara inshora, mu sake mallakar mota da jagorar haƙƙin dawo da abin hawa, da mu auto aro yo-yo kudi na tsaro jagora.

Dangane da bayanan shari'a na aji, jihar ** Sashen Inshora (DOI*** Ana gudanar da jarrabawar kasuwa, da Hukumar Inshora ta Kasa (National Association of Insurance Commissioners).NAIC Ƙididdiga marasa Adalci/Kasuwanci Da'awar Settlement Practices Model Regulation), adadi na magana da mai daidaitawa ya faɗi akan kiran asara na farko tayin buɗewa ne, ba doka mai ɗaurewa ba. Ta hanyar neman cikakken shafi 15 zuwa 25 ** CCC Daya ko Rahoton Ƙimar Mitchell **, bincika kowane abin hawa mai kama da shi (comp) da kuma ragi mara kyau, buƙatar jihar tilas ** Harajin Talla, Laƙabi, da Kuɗin Canja wurin Rijista **, da kuma kiran daurin manufofin ku ** Haƙƙin Ƙimar Ƙimar , masu tsare-tsaren suna ƙara yawan matsugunin asarar su ta hanyar $2,500 zuwa $7,500+ yayin da suke hana ɓarna ** Kariyar Kariyar Kariya.GAP) tarkon rashi lamuni.

Yi wannan yanzu¶

1. KADA KA taɓa sanya hannu kan "Power of Attorney for Title Transfer," saki taken motarka, ko karɓar waya ta ƙarshe har sai kun duba cikakken rahoton Ƙimar layi-by-layi. Lokacin da mai daidaitawa ya kira ya ce "An cika motar ku kuma kuɗin kuɗin $16,400," kar ku yarda da baki ko sanya hannu kan fakitin sakin taken lantarki. Jiha a rubuce: "Don Allah Don Allah a yi mani imel ɗin cikakken cikakken shafi na 15-zuwa-25 CCC One ko Rahoton Ƙimar Kasuwar Mitchell, gami da duk kwatankwacin VIN na abin hawa da matrices daidaita yanayin, don haka zan iya duba ƙimar kafin in fitar da take."
2. ** Saki abin hawa daga filin ja mai tsadar gaske zuwa wurin ajiyar ajiya marassa inshora (Copart ko IAA) BA TARE da rattaba hannu kan haƙƙoƙin ƙimancin ƙimar ku ba.** Masu inshora sukan matsa muku da cewa za su daina biyan kuɗin ajiyar kuɗin yau da kullun bayan Juma'a. Kayar da wannan matsa lamba nan da nan: ba da izini ga mai daidaitawa don matsar da motar da ta lalace daga keɓantacce zuwa wurin ceto kyauta na mai insurer (Copart ko IAA) don ** rage cajin ajiyar kuɗi , yayin da yake ba da umarni ga mai daidaitawa a rubuce: ** "An saki motar don binciken rage-rage KAWAI; KADA a canza wurin take ko gwanjo abin abin hawa har sai an warware ainihin ƙimar Cash."
3. ** Bincika rahoton CCC One ko Mitchell don kurakuran ƙima na kwamfuta guda 4.** Duba: (a) jerin ** VIN Trim & Factory Zaɓuɓɓuka ** (wanda yawanci ke rasa fakitin OEM $1,500 zuwa $4,000 kamar sarrafa jirgin ruwa mai daidaitawa, rufin rana, ko fakitin jakunkuna), (* * ƙararrawa mara kyau). rage girman ciki, fenti, da tayoyinku zuwa "Fair/Rough", © " Daidaitawar da aka ƙera " (ragi na wucin gadi na 5% zuwa 9% wanda aka yi amfani da shi ga dillalin da ke neman farashin), da (d) "Motoci masu kama da juna" da ke da nisan kilomita 200 (mil 124) tare da kasuwanni masu rahusa.
4. ** Tabbatar da harajin tallace-tallace na jihar (6% to 10%+), Kudaden Laƙabi, da Kuɗin Rijista ana ƙara ON TOP na tushe na Ƙimar Kuɗi na Gaskiya.** A cikin fiye da jihohi 35 na Amurka, dokokin inshora suna buƙatar mai insurer ya mayar da ku don ** Harajin Tallace-tallace na Jiha da na gida, Kuɗin Laƙabi, da Rijista/Tag Fee *** da ake buƙata don siyan abin hawa mai kama da kama. A kan abin hawa \(25,000 a cikin ikon harajin tallace-tallace 8%, rasa abin layin harajin tallace-tallace yana biyan ku **\)2,000**.
5. ** Kira dauri na manufofin ku "Haƙƙin Ƙirar Ƙirar Ƙira" idan naku da'awar ƙungiya ce ta farko (Collision ko Comprehensive) kuma mai daidaitawa ya ƙi yin birgima.** Kusan kowane tsarin mota na sirri yana ƙunshe da tilas Tsarin Ƙimar. Lokacin da kuka aika da wasiƙar da aka rubuta tana kiran Faɗin Ƙirar, ana ɗaukar da'awar daga mai daidaitawa: kuna hayar mai ƙima ta atomatik ($ 350 zuwa $ 550 lebur fee), mai insurer ya ɗauki mai kimantawa, kuma masu kimantawa biyu sun yarda akan ƙimar Kuɗi na Gaskiya (ko ƙaddamar da rata ga maras son kai ** Umpire*).
6. Ci gaba da biyan lamunin mota na wata-wata akan lokaci kowane wata yayin da jimlar rajistan asarar da da'awar inshorar GAP ke jira. Koda bayan mai insurer na farko ya aika da cak ga mai ba ku bashi, yana ɗaukar kwanaki 30 zuwa 60 ** don ** Inshorar GAP don tantancewa da biyan sauran ma'auni na lamuni na ƙarƙashin ruwa. Dakatar da biyan kuɗin motar ku na wata-wata yayin wannan taga yana haifar da ** Biyan Kwanan Kwanaki 30 da Kwanan 60-60 akan rahotannin kuɗin ku, zubar da maki FICO ɗin ku da maki 80 zuwa 110.

Bishiyar yanke shawara: Ƙalubalantar ƙimayar asarar jimlar ƙarancin ƙwallon ƙafa da sarrafa gazawar GAP¶

Yi amfani da wannan matakan aiki na mataki-mataki ranar da mai daidaitawa ya sanar da ku cewa abin hawan ku asara ce gabaɗaya.

flowchart TD
    Start["Motar Ta Bayyana Jimillar Asara (Kara, Ambaliyar ruwa, ƙanƙara, ko sata)"] --> WhichInsurer{"1. Shin Kuna Da'awar Karkashin Manufofin ku (Kasuwanci/Comp) ko Ƙa'idar AT-FAULT DRIVER's Policy (Alhaki na ɓangare na uku)?"}

    WhichInsurer -->|"Da'awar Jam'iyya ta Daya (Mai Inshorar Ka)"| FirstParty["HAKKOKIN KWANAKI NA JAM'IYYAR 1ST: - Kuna da haƙƙin kwangilar KYAUTA YANAR GIZO - Inshorar GAP (idan ƙarƙashin ruwa) yana buƙatar cikakken haɗin gwiwa - Ba za a iya cirewa ba (an dawo daga baya ta hanyar Subrogation idan ba a yi laifi ba)"]

    WhichInsurer -->|"Da'awar Jam'iyya ta 3 (Ma'aikacin Inshorar Direba)"| ThirdParty["HAKKOKIN AZZAFIN JAM'IYYAR 3RD-PARTY: - Babu Yarjejeniyar Kiyasta Kwangila tare da sauran mai inshorar direba - Tukwici: Idan mai insurer jam'iyya ta 3 ya ƙi ku, canza da'awar zuwa manufar karo na OWN ɗin ku kuma kira Faɗin Ƙimar ku (mai inshorar ku zai rage)"]

    FirstParty --> AuditReport["2. BUKATA & AIKATA CIKAKKEN SHAFI 20 CCC DAYA / Rahoton MITCHELL"]
    ThirdParty --> AuditReport

    AuditReport --> CheckGap{"3. Ana Kuɗin Motar Tare da Ma'auni Lamunin Ƙarƙashin Ruwa (Loan> ACV)?"}

    CheckGap -->|"NO: Kuna da Ingantacciyar Adalci (ko Mota Kyauta & Bayyanawa)"| FightValue["KARA BAYANIN KYAUTA: - Kalubalanci gyare-gyaren yanayi mara kyau & gyare-gyaren siyarwar da aka ƙera - ƙaddamar da 3 zuwa 5 na gida Retail Comps + gyare-gyare / rasitun taya na baya-bayan nan - Idan mai inshorar ya ƙi adalcin ACV (+ Harajin Talla & Kudaden Laƙabi), kira HAKKI ZUWA LITTAFI MAI TSARKI."]

    CheckGap -->|"Ee: Lamunin Ruwan Ruwa (Kuna da Inshorar GAP)"| GapProtocol["JARIDAR CIN TSARI: - Ci gaba da biyan lamuni na wata-wata har ma'auni ya kai $0.00 - Soke Dillalan Garanti / Kwangilar Sabis ɗin Nan take don maido da kuɗaɗen rata ga mai ba da lamuni - Binciken rahoton CCC don haka mai insurer GAP baya azabtar da ku don rashin biyan kuɗin da ba a biya ba a cikin cikakken fakitin GAP06 na ranar ƙarshe na GAP0-9."]

    CheckGap -->|"Ee: Lamunin Ƙarƙashin Ruwa (Babu Inshorar GAP)"| NoGapProtocol["KYAUTATA RASHIN KARANCIN: - Duk $1,000 da kuka haɓaka ACV ta hanyar CCC Audit / Appraisal Clause shine $ 1,000 ƙasa da ku bashin banki daga aljihu - Soke duk ƙarin ƙarin garantin dillalan don lamunin rata - Tattauna tsarin shirin biya mara tsaro tare da mai ba da bashi don ragowar ma'auni."]

Yadda masu inshorar mota ke ƙididdige “Jimillar Matsalolin Asara” da dalilin da ya sa CCC One ke rage darajar motoci¶

Kafin ka iya ƙalubalanci lambar asarar gaba ɗaya, kana buƙatar sanin ka'idoji guda biyu kowane mai daidaita inshora yana amfani da su: (1) ko motar ta kasance asara duka, da (2) yadda ** CCC Intelligent Solutions (CCC One*** ko Mitchell yana ƙididdige ƙimar Kuɗi na GaskiyaACV)**.

Formula 1: Jimillar Matsakaicin Asarar Dokokin Jiha (70% to 100%) vs. "Jimillar Formula na Asara (TLF)"¶

Kowace jiha ta Amurka tana tsara lokacin da mai insurer ** dole ne *** ya ayyana abin hawa da ya lalace asara gabaɗaya kuma ya nemi ** Taken Ceto : - ** Kafaffen Jihohin Ƙaddamar Ƙarshen Kashi (e.g., 70% to 80% of ACV: A cikin jihohi kamar Florida (80%, Nevada (65%, Iowa (70%, ** Kentucky (75%, Indiana70%** da kuma ** New York (75%, idan farashin gyare-gyaren ya zarce kaso na jihar na Haƙiƙanin Ƙimar Kuɗi na mota, abin hawa babbar hasara ce ta doka. (A cikin Texas da Colorado, madaidaicin doka shine 100% na ACV.) - Jimlar Tsarin Asara (zzwxh:0032Jihohi ***: A cikin jihohi kamar **California, IllinoisOhio, Pennsylvania, Jojiya, da ssachusetts**, masinshorar suna amfani da Total Loss Formula: $\(\text{Kudin Gyaran Gyara} + \rubutu{Scrap Salvage Value} \ge \rubutu {Actual Cash Value (ACV)}\)$ Yi la'akari da ɓoyayyen dabarar anan: idan mai inshorar ta hanyar wucin gadi ** ya rage darar kuɗin motar ku ta Gaskiya (ACV, yana sauƙaƙa musu su jimlar motarka (don haka za su iya yin gwanjon motarka a Copart don samun riba mai yawa) yayin da suke biyan ku ƙasa da dubbai.

Formula 2: Dabarun-Abu guda 5 na Layi a ciki a CCC One ko Mitchell Rahoton Ƙimar¶

Lokacin da ka buɗe rahoton PDF mai shafuka 20 daga CCC One ko Mitchell WorkCenter, kar a kalli taƙaitaccen lamba akan Shafi na 1. Juya zuwa Shafuffuka na 3 zuwa 18 kuma ka duba waɗannan abubuwan da aka cire na layi biyar:

Yadda ake kiran manufar ku ta "Haƙƙin Ƙimar Ƙirar Ƙira" (Mafi daidaitawa)¶

Me zai faru idan ka aika da mai daidaitawa dalla-dalla binciken da ke nuna cewa jimlar motarka ta Gaskiyar Kuɗin Kuɗi ta Gaskiya ita ce $23,500, kuma mai daidaitawa ya ba da amsa: "CCC One ta sami amincewar Jiha; $19,200 shine tayin mu na ƙarshe, ɗauka ko ku bar shi"?

Idan kuna shigar da da'awar ƙungiya ta ɗaya ** a ƙarƙashin manufofin ku na auto (Collision ko Comprehensive ɗaukar hoto)**, ba lallai ne ku yi hayan lauya ba ko kuma ku kai ƙarar kamfanin inshora a kotu. Madadin haka, buɗe manufar inshorar auto PDF (Press Ctrl+F and search for the word "Appraisal") don gano wurin Haƙƙin Haƙƙin Ƙimar Ƙimar.

+-----------------------------------------------------------------------------------+
|            HOW THE BINDING "RIGHT TO APPRAISAL CLAUSE" WORKS STEP BY STEP         |
+-----------------------------------------------------------------------------------+
| STEP 1: WRITTEN DEMAND FOR APPRAISAL                                              |
|   - You send a 1-page email and Certified Letter to the adjuster stating:         |
|     "Pursuant to the Appraisal Provision of my policy, I hereby reject your       |
|     Actual Cash Value offer of $19,200 and formally invoke my Right to            |
|     Appraisal. My appointed independent appraiser is [Name, Phone, Email]."       |
+-----------------------------------------------------------------------------------+
| STEP 2: TWO INDEPENDENT APPRAISERS NEGOTIATE (Usually Resolves in 7-14 Days)      |
|   - You pay your licensed independent auto appraiser a flat fee ($350 to $550).   |
|   - The insurer must pay its own outside independent appraiser ($500 to $900)     |
|    , notice that invoking Appraisal IMMEDIATELY costs the insurer money.         |
|   - Both appraisers inspect the car's records and market comps.                   |
+-----------------------------------------------------------------------------------+
| STEP 3: BINDING SETTLEMENT OR UMPIRE RULING                                       |
|   - In 85%+ of cases, the two professional appraisers compromise on a fair        |
|     market number (e.g., $23,100) and sign a Binding Appraisal Award.             |
|   - If they disagree, they submit their differences to a neutral Umpire (cost     |
|     split 50/50), and any decision signed by two of the three is LEGALLY          |
|     BINDING on the insurance company.                                             |
+-----------------------------------------------------------------------------------+
| THE ECONOMIC MATH:                                                                |
|   Original Lowball Offer:                                      $19,200            |
|   Final Binding Appraisal Award:                               $23,100            |
|   Gross Increase (+ State Sales Tax on the $3,900 increase):  +$4,212             |
|   Less Your Independent Appraiser Flat Fee:                     ($450)            |
|   -----------------------------------------------------------------------------   |
|   NET EXTRA CASH IN YOUR POCKET:                              +$3,762             |
+-----------------------------------------------------------------------------------+

Menene Idan Mai Insurer Direba (At-Fault Driver's Insurer)Third-Party Claim) Lowballs Ka?¶

Saboda ba ku da kwangila tare da sauran kamfanin inshora na direba, ba za ku iya kiran Faɗin Ƙimar Ƙirar Kai tsaye a kan mai insurer na ɓangare na uku ba. Koyaya, kuna da motsi biyu masu ƙarfi: 1. **The "Switch to Your Own Collision Policy" Maneuver ***: Idan kuna ɗaukar ɗaukar hoto akan manufofin ku, gaya wa mai gyara kuskuren direba: "Idan ba ku dace da ƙimar dillalin adalci na $23,500 da ƙarfe 5:00 na yamma gobe ba, zan rufe wannan da'awar ta ɓangare na uku, fayil ɗin ƙarƙashin manufofina na Collision, invoke da cikakken bayani game da ƙayyadaddun ƙa'idodina award plus my deductible." 2. Third-Party "Loss of Use" bargaining power: Under tort law in almost every state, an at-fault driver's insurer owes you reasonable Loss of Use (rental car reimbursement) until they make a reasonable, good-faith settlement offer. Tunatar da mai kulawa na ɓangare na uku cewa kowane mako suna jinkirin ba da ƙimar kasuwa ta gaskiya tana ƙara wani $350 zuwa $500 a cikin asarar Amfani da aka tara.

Dokokin Jiha-da-jiha akan dawo da Harajin Talla, Laƙabi, da Kuɗin Rijista¶

Kada ka bari mai insho ya biya maka "Base Vehicle Value" kadai ba tare da duba ka'idojin wajibcin jihar ku ba akan ** Harajin Talla (Sales Tax).6% to 10%+), Kudaden Canja wurin Take, da Farantin Lasisi / Kuɗin Rijista**:

• ** Jihohin Haraji na Talla ta atomatik na gaba (35+ States ciki har da California, Florida, New York, Texas, Illinois, Ohio, Pennsylvania, Georgia, Washington, da New Jersey) ***: Dole ne mai insurer ya haɗa da cikakken jihar, gundumomi, da harajin tallace-tallace na birni tare da kuɗaɗen canja wurin take / rajista ** a cikin rajistan sasantawa na farko-asara ***, ba tare da la'akari da ko kun sayi motar maye gurbin tukuna ba.
• • Bayani na Musamman don Motocin Hayar*: Wani lokaci masu insurers suna ƙoƙarin saka harajin tallace-tallace a cikin motar da aka yi hayar, suna iƙirarin "bankin haya ba shi da haraji." A cikin jihohi da yawa, idan biyan kuɗin ku ya haɗa da haraji ko kuma kun jawo harajin maye gurbin haya, tabbatar da tsarin DOI na jihar ku.
• "Mayar da Kuɗaɗe Kan Sauyawa" Jihohi (Ƙananan Jihohi, irin su Missouri ko takamaiman nau'ikan manufofin): A cikin ƴan jihohi, ana ba mai inshora izinin riƙe sashin harajin tallace-tallace har sai kun ƙaddamar da Bill of Sale / Order's Order yana nuna ku ainihin siyan ko hayar abin hawa maye gurbin a cikin tagar doka (yawanci ** a ƙarƙashin dokar jihar 90). Idan jihar ku ta yi amfani da taga harajin canji na kwanaki 30, yi alama akan ranar ƙarshe akan kalandarku ranar da aka biya sulhu don kada ku rasa $1,500 zuwa $3,000 a cikin biyan harajin tallace-tallace.

Kiyaye jimlar motarka ("Ceto Mai-Retained") vs. mika ta: Boyayyen tarko¶

Idan motarka ta sami lahani kawai na ƙanƙara, ko kuma idan babban abin dogaron sedan ɗinka yana da kwandon kwata-kwata na baya wanda farashinsa yakai $5,000 don daidaita farashin siyar da mota akan $6,000, kuna iya tambaya: "Zan iya ajiye motar in ɗauki ƙaramin cak?"

Ana kiran wannan ** Ceto-Riƙewa Mai Mallaka**, kuma yayin da yake aiki da kyau don ** lalacewar ƙanƙara akan motocin da aka biya**, yana haifar da tarkuna huɗu masu ƙarfi idan ba ku yi hankali ba: 1. ** Ka Samu Kawai ACV Minus Salvage Bid: Idan ACV na motar ku $8,000 kuma Copart ya ba da \(2,200 don ƙimar ceto, mai insurer kawai ya biya ku **\)5,800 (ƙasa da abin da za ku iya cirewa). 2. **Ba za ku iya riƙe Motar da ke da Lamunin Mota Mai Aiki ba ***: Idan banki ya riƙe jingina akan taken ku, bankin ba zai taɓa ba ku damar adana abin hawa mai taken ceto ba sai dai idan kuɗin net ɗin $ 5,800 ya isa 100% don biyan duk sauran ma'aunin lamuni na auto gabaɗaya. 3. ** Jiha na wajibi "Ceto / Sake Gina" Dubawa ***: A yawancin jihohi (unless the car qualifies for an Older-Vehicle Exemption or a Cosmetic Hail Exemption), mai insurer ya ba da rahoton VIN zuwa DMV na jihar kuma ** ya soke rajistar ku mai tsabta **. Kafin ka sake tuƙi motar bisa doka a kan titunan jama'a, dole ne ka gyara ta, kiyaye rasidu na notarized tare da VINs masu ba da gudummawa ga kowane sashi na maye gurbin, jera shi zuwa tashar Dubawa ta Jiha / DMV Salvage Inspection Station ** don wuce sashin sata-sata da dubawar aminci, kuma sami alama ta dindindin ** Sake Gina / Sake Gina Taimakon Taimako na gaba. 30% zuwa 50%). 4. ** Ƙuntatawar Rufin Inshora ***: Yawancin masu inshorar za su ba ku damar adana ** Lahasin-Kawai *** inshora akan motar Ceto da aka Sake Gina, amma za su ƙi sayar muku da cikakken ** karo da cikakken ɗaukar hoto a nan gaba.

Lambobin gaggawa na yanki da ka'idojin jami'in inshora¶

• *Amurka:
• ** Ma'aikatar Inshora ta Jiha (DOI) Korafe-korafen masu amfani (NAIC***: Idan mai insurer ya ƙi bayar da cikakken rahoton ƙimar CCC One / Mitchell, ya tsallake harajin tallace-tallace na tilas na jiha da kuɗaɗen take, ko jinkirin mutunta kwangilar ku ** Maganar Kima , shigar da ƙararraki akan Layi ta kan layi ** Rashin Adalci Da'awar Settlement Aiki tare da Kwamishinan Inshora na Jiha ta hanyar content.naic.org/state-insurance-departments.
• ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB*: Idan mai ba da lamuni na mota ko dillali ya ƙi aiwatar da garanti mai tsawaitawa na pro-rata / maida GAP bayan asarar duka, shigar da ƙara a consumerfinance.gov/complaint ko kira1-855-411-2372**.
• ***Kanada ***:
• Sharadi na 11 (Tsarin Kima): Karkashin siffofin lardi (Ontario OAP 1 Statutory Condition 11, Alberta SPF 1, kuma BC ICBC disputes), kuna da haƙƙin haƙƙin haƙƙin ƙa'ida don kimantawa**.
• ** OPCF 43 / SEF 43R ("Waiver of Depreciation" Endorsement) *: Idan motarka tana ƙarƙashin watanni 24 zuwa 60, duba manufofin ku don ** OPCF 43 (Ontario) , ** SEF 43R (Alberta/Atlantic), ko Q.E.F. No. 43 (Quebec), wanda ke tilasta mai insurer ya biya ** cikakken farashin sayan asali ko MSRP ba tare da rage darajar kuɗi ba. Ƙaddamar da rikice-rikice zuwa ** Babban Ofishin OmbudService (GIO a 1-877-225-0446 / giocanada.org)**.
• ** United Kingdom:
• **Hukumar Da'ar Kuɗi (FCA) & Sabis na Ombudsman na Kuɗi (FOS) Jimlar Dokokin Asara ***: Ƙarƙashin ka'idodin ƙimar FOS *, mai insurer dole ne ya biya ** Cikakken Farashin Kasuwanci da za ku biya a dila na gida ** (tabbatar da matsakaicin ** Dillali na Auto, Jagorar Gilashin, CAP HPI, da Parkers *** farashin jagorar dillali) ba tare da ciniki-ciki ko ragi ba. Haɓaka kyauta zuwa ** Service Ombudsman Service (Financial Ombudsman Service)0800 023 4567 / financial-ombudsman.org.uk).
• ** Tarayyar Turai ***:
• Masanin Ƙimar Ƙarƙashin Ƙarƙashin Ƙarya (Wiederbeschaffungswert abzüglich Restwert: Karkashin Jamus (BGB § 249 da dokokin motocin Turai, ƙwararren abin hawa mai zaman kansa (Kfz-Sachverständiger) saita dillalin yanki ** Darajar Maye gurbin , gami da Dokar ** 130% (Integritätsinteresse* ba da izinin gyara har zuwa 130% na ƙimar kasuwa.
• ** Ostiraliya da New Zealand ***:
• Ƙimar Da Aka Yarda Da Manufofin Ƙimar Kasuwa: Duba Bayanin Bayyanar Samfur ɗinku (PDS) don tabbatar da ko kuna da manufar ** Ƙimar Ƙimar *** ko manufofin ** Ƙimar Kasuwa *. Ƙarfafa takaddamar ƙwallon ƙwallon ƙafa zuwa Hukumar Korafe-korafen Kuɗi na Australiya (AFCA a 1800 931 678 ko a New Zealand zuwa IFSO (0800 888 202).

Tambayoyin da ake yawan yi¶

Me yasa babban asarar CCC One na kamfanin inshora ya kasance $4,000 ƙasa da abin da motoci iri ɗaya ke siyarwa akan AutoTrader, CarMax, da dillalan gida?¶

CCC One software tana aiwatar da gyare-gyare na tsari guda biyu na ƙasa ga farashin dillalan duniya: na farko, yana rage sabani kashi 5 zuwa kashi 9 cikin 100 na "daidaitawar da aka yi niyya" daga farashin tallace-tallacen kowane dila; na biyu, masu daidaitawa akai-akai suna darajar ciki, fenti, da tayoyin motarku a matsayin "Matsakaici/Fair" yayin da suke ɗaukan motocin dila suna cikin yanayin "Dila Retail", suna ƙirƙirar atomatik - $1,000 zuwa -$2,000 "daidaita yanayin." Nemi cikakken rahoton CCC mai shafi 20, ƙalubalanci ragi biyu tare da bayanan kulawa da dillalan dillalan gida, kuma tabbatar da cewa an haɗa kowane fakitin zaɓin masana'anta akan sitika na Window Window ɗin ku.

Idan na bari kamfanin inshora ya janye motara da ta lalace daga shagon jikina ko kuma 'yan sanda sun kama kuri'a zuwa Copart, shin hakan yana nufin na karɓi tayin sulhunsu na ƙwallon ƙafa?¶

A'a, sakin abin hawa na zahiri da za'a motsa zuwa wurin ceto marar ajiya (Copart ko IAA) baya nufin kun karɓi tayin kimar su, muddin baku sanya hannu kan Ikon Lauya don Canja wurin Laƙabi ko sakin sulhu na ƙarshe ba. Kuna da alhakin rage cajin ajiyar yadi na yau da kullun: ba da izini ga mai insurer don matsar da mota zuwa wuri marar ajiya yayin aika saƙon imel ɗin da ke nuna cewa matakin ya tsaya tsayin daka don dakatar da kuɗin ajiya kuma ba a fitar da taken har sai an amince da ƙimar Kuɗi ta Gaskiya.

Ta yaya kiran "Haƙƙin Kiyasta Magana" ke aiki, kuma yana da daraja biyan $450 ga mai kima mai zaman kansa?¶

Idan motarka ta cika a ƙarƙashin Rikicin manufofin ku ko cikakkiyar ɗaukar hoto kuma mai daidaitawa ya ƙi haɓaka tayin lowball da aƙalla $2,000 zuwa $5,000, kiran Haƙƙin Haƙƙin Kima na manufofin ku shine mafi girman dawowar motsi da zaku iya yi. Da zarar ka aika buqatar rubutaccen bukatu mai kiran Kima, mai insurer dole ne ya ɗauki nasa mai kima na waje. Mai kima na ku mai zaman kansa da mai kima na mai insho sun yi shawarwari kai tsaye ta amfani da bayanan kasuwa na gaske, yawanci suna haɓaka biyan kuɗi na ƙarshe ta $2,500 zuwa $6,000+ cikin makonni biyu.

Idan hatsarin ya kasance 100% laifin sauran direba fa, kuma SAURAN kamfanin inshora na direba yana ba ni tayin asarar jimlar ƙwallon ƙafa?¶

Lokacin da kuka shigar da da'awar ɓangare na uku a kan mai insurer direban da ba daidai ba, ba za ku iya kiran Faɗin Ƙimar kwangila a kansu kai tsaye ba. Duk da haka, idan kuna ɗaukar ɗaukar hoto a kan manufofin ku na mota, gaya wa mai insurer direban kuskuren cewa sai dai idan sun ƙara yawan tayin su don dacewa da ƙimar kasuwa na gaskiya tare da harajin tallace-tallace da kudaden lakabi a cikin sa'o'i 48, za ku canja wurin da'awar zuwa ga mai insurer na ku, kira Ƙididdigar Ƙididdigar manufofin ku, kuma bari mai insurer ya dawo da cikakken adadin tare da raguwar ku.

Ina da inshorar GAP akan lamunin mota na. Me yasa banki na ke cewa har yanzu ina bin bashin $2,800 bayan duka inshorar mota da inshorar GAP sun aika cak ɗin su?¶

Kusan duk kwangilar GAP sun keɓance da cirewa: (1) ƙimar da ba za a iya samu ba na kowane dillali Garanti mai tsawo, kwangilar sabis, ko fakitin Taya/Wheel da kuka ba da kuɗi a cikin lamunin (saboda dole ne ku soke waɗannan garanti tare da dila don haka za a aika da kuɗin pro-rata ga mai ba ku bashi), (2) biyan kuɗin da ya wuce, ko biyan kuɗin da za a biya a ƙarshen wata-wata $500 ko $1,000, da kuma (4) yakai sama da tsarin GAP na 125% zuwa 150% Loan-to-Value cap. Nan da nan tuntuɓi Ofishin Kuɗi na dillali a rubuce don soke duk garantin da aka ba da kuɗin da aka ba da baya zuwa ranar hatsarin ta yadda maido ya goge ragowar ma'aunin lamuni.

Zan iya dakatar da biyan kuɗin mota na kowane wata da zarar kamfanin inshora ya ayyana motata asara gabaɗaya?¶

Kada ku daina biyan lamunin mota na wata-wata har sai tashar lamunin ku ta kan layi ta nuna ma'auni na biya $0.00 a hukumance. Ko da bayan motar ta kasance a cikin yadi na ceto, yana ɗaukar makonni 2 zuwa 4 don rajistan mai insurer na farko don isa ga mai ba da bashi da kuma wasu makonni 4 zuwa 8 don inshorar GAP da ƙarin garantin maidowa don biyan ragowar rashi. Rashin kwanan wata na kowane wata a lokacin wannan taga yana haifar da rashin kuskure na kwanaki 30 akan rahoton kuɗin ku, yana lalata ƙimar kuɗin ku daidai lokacin da kuke buƙatar kuɗaɗen motar maye gurbin.

Jagora masu alaƙa¶

• Ƙin da'awar inshora ta atomatik, jimlar ƙarancin ƙwallon ƙafa, da direban mota mara inshora ya buge tsaro
• Mayar da kai ta atomatik, haƙƙoƙin fansa, da ƙarancin ma'auni
• Lamunin yo-yo ta atomatik, zamba na bayarwa, da dila mai neman mota
• Lamunin ɗalibi da aka haɗa, lamunin mota, ko hayar gida a cikin tsayayyen tsaro
• Jagorar lambobin gaggawa

Tushen da jagorar hukuma¶

• Ƙungiyar Kwamishinonin Inshora ta Ƙasa (NAIC): Kasuwancin Ƙididdiga mara Adalci/Kasuwanci Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙarfafawa ((Model #902, Section 8 - Jimlar Asara Motoci Matsugunan Kuɗi, Kasuwan Kasuwa, da Haɗa Harajin Talla).
• ** Sashen Inshora na California (10 CCR § 2695.8), New York DFS (11 NYCRR § 216.7 / Regulation 64), da kuma Texas DOI:** Dokokin Gudanar da Ƙimar Ƙimar Asara ta Jumlar da Haƙƙin Tsarin Kima.
• ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB):** * Abubuwan Kulawa akan Sabis ɗin Kuɗi na Mota: Jimlar Asara GAP Waivers da Pro-Rata Extended Garanti Rediyo*.
• Hukumar Kula da Kuɗi ta Ƙasar Ingila (FCA) & Sabis na Bayar da Agajin Kuɗi (FOS): Tsarin Ƙimar Asarar Inshorar Mota da Wajibi na Amfani da Jagororin Kasuwancin Kasuwanci.
• ** Ofishin Inshora na Kanada (IBC) & FSRA Ontario: *** * Manufar Mota ta Ontario (OAP 1) Sharadi na 11 na Ƙidaya da OPCF 43 Waiver of Depreciation*.