EMexico kukho inani elikhulu leenkampani zeinshorensi, ezaziwayo ehlabathini lonke. Ukuba unomdla kulwazi, eli nqaku liza kunika lonke ulwazi kunye nendlela yokunxibelelana nayo Umnxeba we-Inshurensi ye-ABA. Ukucela ikowuti kunye nokhuseleko lwayo.
Umnxeba we-Inshurensi ye-ABA
IChubb yinkampani yeinshorensi yepropathi kunye netyala loluntu exatyiswa kwi-Stock Exchange nase-United States, eyona nkampani inkulu kwindawo yayo.
Isebenza kumazwe amalunga namashumi amahlanu anesine; ukunika iingcebiso, iipropathi ze-inshorensi, uxanduva lomntu kunye neshishini loluntu; yonke into eyi-inshurensi yesiganeko sabantu, i-inshurensi yezempilo, i-inshurensi ye-inshurensi, kunye ne-inshurensi yobomi kwipotfoliyo enkulu yabathengi.
Inkampani yekhontrakthi, bajongene nokucebisa, kunye nesivumelwano, baqhuba imicimbi ngombono kunye nokuziphatha. Banoncedo oluninzi kunye nokuthotyelwa kweentlawulo zokufa ngokufanelekileyo nangexesha elifutshane.
Banenani elikhulu labasebenzi abaphethe ipotfoliyo yabathengi, kunye nabasebenzi abasebenza ngabanye.
Phakathi kweenzuzo abanokuzinikezela zezi:
- Iintengiso ezilungileyo zemarike kunye noncedo.
- Imeko ebanzi yokusasazwa.
- Ukugqibelela ekuncedeni.
- Ulwazi olukhulu lwezinto ezinokwenzeka.
- Uxanduva lomgaqo-nkqubo.
Konke Nge-Inshurensi ye-ABA
I-ABA Seguros kunye neChubb de México ziinkampani ezine-ACE Seguros, i-SA certification, ezihlangene kunye notshintsho lwenziwa egameni lenkampani yesibini, yaba yiChubb Seguros México, SA.
Kwakutheni ukuze le manyano yeenkampani yenziwe kwaye inceda njani i-ABA?
U-ABA Seguros udibene noChubb Seguros México, udibaniso lwenziwa. Ukuba luphawu lweChubb kunye nokungena kubuchule beshishini benkampani bokusetyenziswa kwe-ABA kwintengiso ye-inshurensi yemoto kunye nepropathi, ikwabandakanya uBomi, impilo kunye Amabango e-inshurensi ye-ABA.
U-Aba, njengoko sele kukhankanyiwe, udibaniswe nenye yeenkampani ezihloniphekileyo kwihlabathi nakwindawo yonke ye-inshurensi, ebizwa ngokuba yiChubb Seguros. Yinkampani yaseMelika.
Yinkampani yesine ngobukhulu kwindawo ye-inshurensi yemoto kulo lonke ilizwe laseMexico. Phakathi kwayo yonke into eyiphathayo ziinkampani, izindlu nomhlaba, zonke iintlobo zeemoto, izakhiwo, imililo kunye nezixhobo zombane.
Inamasebe amalunga namashumi amathathu kuzo zonke izixeko zaseMexico, ipotifoliyo yabathengi bayo yenziwe ngabantu abamalunga nama-850,000, kwaye iphatha imicimbi engama-300,000 ngonyaka.
Inikwa ingqalelo yonke imihla enyakeni nangaliphi na ixesha, ngokobuqu, ngefowuni okanye nakwi-cyberspace.
Injongo ephambili yenkampani I-Inshurensi yomnxeba ye-ABA, kukubonelela ngoncedo olusemgangathweni olubonisa intlonipho, ukunyaniseka kunye nomgangatho kubasebenzi abasebenzayo. Ukuba nobuchule njengobuhle, ukugqwesa isiqu sakho, uhlala ucinga kwindawo enye kunye nobuchule, okukhokelela kwinkampani yobuvulindlela kwindawo yeemoto.
Impumelelo yoTshintsho lwe-ABA Seguros
I-inshurensi ye-ABA, yaqala ngowe-1956 ngegama elithi Seguros Aztlán. Kwi-1974, igama latshintshwa kwaye labizwa ngokuba yi-Aseguradora Bandas. Kwi-1985, utshintsho lwenzeka ngaphakathi kwenkampani kwaye igama layo labizwa ngokuba yiSeguros del País.
Xa yayiphela iminyaka yamashumi asibhozo, le nkampani yathengiswa kwiqela lezemali i-ABACO, emva koko ngo-1991 yaqala phantsi kwegama elithi ABA. Nangona kwabakho ukuqhawuka kweqela lezorhwebo ngo-1997, laqalisa umsebenzi walo njengeziko lokutsalela umnxeba.
Ngo-2002, wajoyina inkampani yeinshurensi yaseMntla Melika ebizwa ngokuba yiGMAC, okwangoku ebizwa ngokuba yiNational General Insurance. Kunyaka ka-2007, I-Inshurensi yomnxeba ye-ABA iqala ukuthengiswa kwe-inshurensi yemoto kumazwe amathathu akuMntla Merika (eCanada, eUnited States naseMexico).
Ngo-2009, ifumene ukwamkelwa njengeyokuqala ekuboneleleni ngoncedo yi-Condusef (iKomishoni yeSizwe yoKhuselo noKhuseleko lwaBasebenzisi beeNkonzo zeZimali).
Ngonyaka wama-2013, I-Inshurensi yomnxeba ye-ABA ukuthengwa kwe-ACE Group, inkampani ethathwa njengeyona inkulu kuxanduva loluntu kumazwe aphesheya. Kwi-2016, i-ACE yafumana iqela lokurhweba leChubb.
Iimveliso zokuSebenza kunye nokuQiniswa
Ubungcali onayo I-Inshurensi yomnxeba ye-ABA, kukuba inamava amakhulu kwindawo yemoto, inika ukhuseleko oludityaniswe neemfuno zomthengi, ezinje:
- Imoto yokhenketho.
- Injini yasekhaya.
Kwakhona, bazinikele ekuboneleleni ngokhuseleko ngokomahluko anawo umsebenzisi ngamnye, njengalawo abonakaliswe ngezantsi:
- Umgaqo-nkqubo okhethekileyo weeMinivans.
- Akukho Deductibles kwiziganeko xa kukho umntu wesithathu.
- Banenkonzo yokutshintshwa kwesithuthi ngelixa imoto eyonakeleyo ilungiswa, imisiwe okanye ivaliwe.
- Inephakheji yokuzibophelela yokhuseleko yosapho.
Ngayo yonke iminyaka kwimarike ye-inshurensi kunye nokubonelela ngoncedo, ABA ifowuni yomshuwalense, ine:
- Uncedo oluqinisekisiweyo kwisithuba esingekho ngaphezulu kweeyure ezingamashumi amabini anesine.
- Iqela elikhulu labasebenzi.
- Ukulandelela kulawulo lwesiganeko.
- Ikwanayo nenkonzo yokuhlawula umahluko ngokugqithiselwa kwi-intanethi.
Imibuzo neempendulo
Ngezantsi, uhlobo lwemibuzo luya kuboniswa, apho imibuzo ebuzwayo phakathi kwabaxumi kunye nabanomdla kwiipolisi ze-inshurensi zifumaneka.
Kwenzeka Ntoni kwiPolisi emva kokudityaniswa?
Kubalulekile ukuba abathengi banezivumelwano ze-inshurensi ngenkampani i-ABA Seguros. UMzantsi Afrika kunye neChubb de México zisebenza ngokwesiqhelo, kwaye zinyanisekile. Baza kuqhubeka nokusebenza ngesivumelwano esifanayo nesekhontrakthi esayinwe naso ngaphandle kokuchaphazela imanyano yezi nkampani zimbini.
Emva kokudityaniswa, lufunyanwa phi ulwazi?
Ekuqaleni kukaJanuwari zonke iinkcukacha ze-inshurensi ze-aba ziya kufumaneka kwiqonga elibizwa ngokuba Chubb apho iya kuba khona yonke idatha malunga noncedo, izibonelelo, izicwangciso, amagatya enxalenye yezivumelwano ezifana neyorhwebo edibanisa iinkampani ezimbini.
Indlela yokwenza intlawulo yekhontrakthi ye-inshurensi?
Ngethuba nje akukho lwazi lupapashwe kulo mbandela, i-akhawunti yebhanki ihlala isebenza, ithathela ingqalelo ukuba emva koJanuwari 16, 2018, ukuthengiselana okwenziwayo kufuneka kwenziwe nguChubb Seguros México SA. Ngaphambi koku, abasebenzisi baya kuqhubeka nokwenza ukutshintshwa kwabo. ngesiqhelo..
I-Billing
Kubalulekile ukuba abathengi bakhumbule ukuba emva kokudityaniswa kweenkampani ezimbini zeinshorensi, zonke iikhonsepthi zinegama elithi Chubb Seguros México, SA.
Ukucela iirisithi ungenza njalo ngale ndlela:
- email: service.clientesmexico@chubb.com.
- Inombolo yomnxeba: 811 253 3939.
Ungasicela phi iNtelekelelo?
Nabani na ofuna isicelo ngexabiso lesicwangciso I-Inshurensi yomnxeba ye-ABA, kwiimoto, ii-SME okanye usapho. Ungaqhagamshelana nathi ngale nombolo ilandelayo: 811 253 3939 okanye ngokuyicela kwi-intanethi kwiqonga lenkampani.
Xa umxhasi onekhontrakthi enikezelwa ngomsitho, uchazwa phi?
Xa kusenzeka ingozi, umxhasi kufuneka atsalele umnxeba ngoko nangoko kwinombolo yomnxeba. 811 253 3030. Baya kukuxelela ukuba yeyiphi inkqubo ekufuneka uyilandele.
"Merca 2.0" ingxelo
Ingxelo eyenziwe ngu-Elia Parrilla nge-14 kaMeyi, 2020, ngokubhekiselele kulwando olubonwe kwimakethi ye-inshurensi yemoto eMexico.
Funda malunga nokwandiswa kwe-inshurensi yemoto eMexico
Ngokutsho kwe-AMIS, imarike ye-inshurensi iya kunyuka nge-(4.5%). Izithuthi zibekwe kwindawo yesibini kuluhlu lweemveliso ezineentengiso eziphezulu, ezinokwanda kwe (10.1%).
Ngaloo nto, kuthetha ukuba i-inshurensi iphinda ihlupheke ngokukhula okucacileyo, ngenxa yemithetho emitsha echazwe kwiGazethi esemthethweni ye-Federation ithi: ukuba i-inshurensi yemoto kufuneka ibe yimfuneko.
Nangona kukho inani elikhulu le-inshurensi yemoto kwimarike, kulo nyaka uphelileyo kwaba ngumthetho wokuba bonke abanini banesivumelwano esisemthethweni setyala loluntu.
Ngale ndlela, amaqela esithathu akhuselwe, njengezakhiwo kunye nabantu, unyaka, uphawu okanye iimodeli aziyi kuthathelwa ngqalelo, okanye ixabiso apho isithuthi sixabiswa khona, oku kuhambelana nendlela ukuhlaziywa ngayo ngeli xesha. yeFederal Road, Bridge Bridge and Motor Transportation imithetho.
Zeziphi iintlobo ze-Inshurensi?
- Uxanduva lwaseburhulumenteni. I-inshorensi enenjongo yokukhusela umonakalo owenziwe kubantu besithathu, njengempahla, iingozi okanye ukufa kunye nembuyekezo egqitywe ngumthetho. Kukwakho nokhuseleko lwecandelo lomthetho, iindleko zoogqirha, uncedo olusecaleni kwendlela kunye nothutho.
- Akuncinci. Ngaphandle kokuba ne-inshurensi yetyala loluntu, kukwakho nokhuseleko lobusela bemoto. Kwezinye iimeko, ikhontrakthi iphinda ichaze iindleko zezempilo zabantu ababekho, uncedo kwiindlela, ukudluliselwa kunye nenxalenye yomthetho.
- Enkulu. Le khontrakthi iqulethe yonke into echazwe ngasentla kweminye imigaqo-nkqubo, kodwa ikwanenkonzo yesithuthi esibambeleyo xa kukho isiganeko.
Zeziphi ezona nkampani zibalaseleyo ze-Inshurensi?
Ngokolwazi olukhutshwe yi-Condusef kunye ne-AMIS, bachaza ukuba, phakathi kwee-inshurensi zezithuthi eMexico, abokuqala kwintsimi bathathela ingqalelo amaxabiso kunye neenkonzo:
I-Inshurensi yomnxeba ye-ABA
Yinkampani yeinshorensi ekudala ikwimarike, nangona ubungcaphephe bayo bubanzi kwaye bubandakanya ngokubanzi.Phakathi kweemveliso zayo kukwakho nenkonzo engasikelwanga mda yokwenzakala kubantu besithathu okanye ukubiwa kweemoto okubizwa ngokuba luxanduva loluntu.
Kuyo yonke into enikezelayo, ikwindawo yokuqala, ilinganiswe ngabathengi bayo ngamanqaku ayi-8.9.
I-Inshurensi ye-AIG
Inamanqaku ayi-8.8 kuvavanyo lwayo. Ibizwa ngokuba yeyona nkonzo ilungileyo xa kufikwa kumabango abantu besithathu, kunye neendleko zonyango kwabo babesesithuthini ngexesha lesehlo, ukongeza kwinkonzo endleleni, kwicandelo elisemthethweni. kunye nokurhoxiswa kweziqinisekiso.
I-Inshurensi yeemoto ze-GNP
Le inshorensi inamanqaku ayi-8.4 ngoncedo lwayo, ngakumbi ekuhlawuleni “I-Inshurensi yoMqhubi”, kwakhona, ukuthobela uxanduva loluntu kumaqabane kunye nomonakalo kubantu besithathu.
I-Inshurensi yeMapfre
Inamanqaku ayi-8.2, kuluhlu lweenkampani zeinshorensi ezibizwa kakhulu eMexico. Phakathi kweenkonzo ezibaluleke kakhulu luxanduva loluntu olunikwa abo bakwikhontrakthi, nakwimigaqo-nkqubo xa kuthe kwabiwa izithuthi.
I-Inshurensi ye-AXA
Amanqaku ayo yi-7.5. Yinkampani yemvelaphi yesiFrentshi, eneofisi malunga namazwe angamashumi amathandathu, enikezela ngenkonzo yeklasi yokuqala kuyo yonke imigaqo-nkqubo yayo, ngakumbi kwiimoto zabahambi.
Wazi njani ukuba zeziphi iinkampani zeinshurensi zezona zingcono?
I-Federal Consumer Protection Agency ithi amaxabiso e-inshorensi anokutshintsha, kuxhomekeke kwiimpawu zomqhubi, ubudala, irekhodi yokuqhuba, ukwenza kunye nomzekelo wemoto, baphinde bathathele ingqalelo amagatya anawo umqhubi.inkontileka yenkampani ye-inshurensi.
Ukunika iPROFECO njengomzekelo, nto leyo ebonisa ukuba abo baselula, njengabantu abatsha, banomngcipheko omkhulu kwiinkampani ze-inshorensi; kwezi meko iindleko ziphezulu xa kuziwa kumntu oqeshwe kwikhontrakthi ebudaleni.
Kukho esinye isizathu esinokuba nefuthe kuxa iimoto zintsha okanye bezingekho ixesha elide emarikeni kwaye nokuba zibunewunewu, kwezi meko iikontraka zinamaxabiso aphezulu.
Ukwazi ukuba yeyiphi i-inshurensi efanelekileyo kumntu onomdla, kufuneka ucaphule kunye ne-inshurensi yokulinganisa i-inshurensi i-Condusef enayo yeemoto, enikezela ngolwazi kwi-inshurensi ethile.
Kukwacetyiswa ukuba undwendwele i-broker okanye ii-ofisi zeenkampani zeinshorensi ezahlukeneyo, kwaye kuyacetyiswa ukuba kungabikho uthethathethwano nabantu abalamla i-inshurensi. Iqela elinomdla kufuneka lihlale lisazi ukuba inkampani isebenza ngokusemthethweni.
Umntu onomdla akufuneki asayine ngaphandle kokuvuma ngokupheleleyo kwaye eyifunde yonke ikhontrakthi. Umntu kufuneka athathe ixesha alidingayo ukwenza isigqibo ngento ayifunayo njengomgaqo-nkqubo, kwaye angagqibeli ekhohlisiwe.
Kubalulekile ukuba unganikezi ulwazi olungachanekanga, kuba kuxhomekeke kwindlela echazwe ngayo kumagatya, kunokuba sisizathu sokurhoxisa ipolisi.
Amanqaku anokuba nomdla kuwe:
Yabona ityala isithuthi e San Luis Potosí
Yenza Amecafe Balance Enquiry eMexico
Jonga ingxelo yeakhawunti I-Avantel Kholambiya