EMexico kunenqwaba yezinkampani zomshwalense, eziqashelwa emhlabeni wonke. Uma unentshisekelo olwazini, lesi sihloko sizonikeza yonke imininingwane nendlela yokuxhumana nayo I-ABA Insurance Telephone. Ukuze ucele ikhotheshini kanye nokufakwa kwayo.
I-ABA Insurance Telephone
I-Chubb inkampani yomshwalense wezakhiwo kanye nesibopho somphakathi esiba yigugu ku-Stock Market nase-United States, okuyinkampani enkulukazi emkhakheni wayo.
Isebenza cishe emazweni angamashumi amahlanu nane; ukunikeza iseluleko, ukuvikela izakhiwo zomshwalense, isibopho somuntu siqu nesebhizinisi; yonke into ewumshwalense kusukela ezenzakalweni kuye kubantu, ezempilo, abaphinde babe ngumshwalense, njengomshwalense wempilo kuphothifoliyo enkulu yamakhasimende.
Inkampani yenkontileka, yibona abaphethe ukweluleka, ngokuvumelana, bacubungula imicimbi ngombono kanye nokuziphatha. Banosizo oluningi kanye nokuhambisana nokukhokha abashonile ngendlela efanele nangesikhathi esifushane.
Banenani elikhulu labasebenzi abaphethe iphothifoliyo yamakhasimende, kanye nabasebenzi abasebenza ngabodwana.
Phakathi kwezinzuzo okufanele bazinikeze yilezi:
- Ukukhushulwa okuhle kwezimakethe nosizo.
- Isimo esibanzi sokusabalalisa.
- Ukuphelela ekusizeni.
- Ulwazi olukhulu ngezenzakalo ezizayo.
- Isibopho senqubomgomo.
Konke Nge-ABA Insurance
I-ABA Seguros kanye neChubb de México, yizinkampani ezinezitifiketi ze-ACE Seguros, SA, ezihlanganisiwe futhi kwenziwa ushintsho egameni lenkampani yesibili, esele njengeChubb Seguros México, SA.
Kungani le nyunyana yezinkampani yenziwa futhi ihlomula kanjani i-ABA?
U-ABA Seguros ujoyine uChubb Seguros México, ukuhlanganiswa kwenziwa. Ukuba wuphawu lweChubb nokungena kumaqhinga ebhizinisi inkampani enawo okusebenzisa i-ABA ekukhangiseni umshwalense wezimoto kanye nezindawo ezithengiswayo, kuhlanganisa nomshuwalense weLife, ezempilo kanye Izicelo zomshwalense we-ABA.
U-Aba, njengoba sekushiwo kakade, uxhunyaniswe nenye yezinkampani ezihlonishwayo emhlabeni kanye nakuyo yonke indawo yomshwalense, ebizwa ngokuthi iChubb Seguros. Kuyinkampani yaseMelika.
Yinkampani yesine ngobukhulu endaweni yomshuwalense wezimoto ezweni lonke laseMexico. Phakathi kwakho konke akwenzayo kubalwa izinkampani, izindlu, zonke izinhlobo zezimoto, izakhiwo, ukuvuvukala nezinto zikagesi.
Ineminyango engamashumi amathathu kuwo wonke amadolobha aseMexico, iphothifoliyo yamakhasimende ayo yakhiwe abantu abangaba ngu-850,000, futhi ihambela imicimbi engu-300,000 minyaka yonke.
Inesevisi nsuku zonke zonyaka nanoma yisiphi isikhathi, mathupha, ngocingo noma nge-cyberspace.
Inhloso eyinhloko yenkampani I-ABA Phone Insurance, ukuhlinzeka ngosizo lwekhwalithi olubonisa inhlonipho, ubuqotho kanye nekhwalithi kubasebenzi abasebenzayo. Ukuba nekhono lokusungula izinto ezinhle, ukuzidlula, ngaso sonke isikhathi unomcabango obheke endaweni efanayo kanye nobuchwepheshe, okuholela enkampanini ephayona endaweni yezimoto.
Impumelelo yokuguqulwa kwe-ABA Seguros
Umshwalense we-ABA, yaqala ngo-1956 ngaphansi kwegama likaSeguros Aztlán. Ngonyaka we-1974, igama lishintshiwe futhi liqanjwe kabusha ngokuthi i-Aseguradora Bandas. Ngo-1985, kwenzeka ushintsho ngaphakathi kwenkampani futhi igama layo laqanjwa kabusha ngokuthi i-Seguros del País.
Kwathi uma kuphela iminyaka yamashumi ayisishiyagalombili le nkampani yadayiselwa iqembu lezezimali i-ABACO, kwathi ngo-1991 yaqala ngegama elithi ABA. Yize kwaba nokugqashuka ngo-1997 kweqembu lezohwebo eliqala umsebenzi walo njengesikhungo sezingcingo.
Efika ngo-2002, ujoyina inkampani yaseMelika ezinikele kumshwalense, ebizwa ngokuthi i-GMAC, okwamanje ebizwa nge-National General Insurance. Ngonyaka ka-2007, I-ABA Phone Insurance Ukuthengiswa komshwalense wezimoto kuqala emazweni amathathu aseNyakatho Melika (Canada, United States kanye neMexico).
Ngo-2009, yaqashelwa njengeyokuqala ukunikeza usizo yi-Condusef (Ikhomishana Kazwelonke Yokuvikela Nokuvikela Abasebenzisi Bezinsizakalo Zezezimali).
Okwonyaka we-2013, I-ABA Phone Insurance ukuthengwa kwe-ACE Group, inkampani ethathwa njengenkulu kumacala omphakathi phesheya. Ngo-2016, i-ACE ithola iqembu lokuhweba leChubb.
Ukusebenza kahle kanye nemikhiqizo yokuqina
Ubungcweti onabo I-ABA Phone Insurance, ukuthi inolwazi olukhulu endaweni yezimoto, ihlinzeka ngokuvikeleka okuhambisana nezidingo zekhasimende, njengalezi:
- Imoto yezokuvakasha.
- EngineHome.
Futhi, bazinikele ekunikezeni ukuvikeleka ngokuya ngomehluko umsebenzisi ngamunye, njengalawo agqanyiswe ngezansi:
- Inqubomgomo ekhethekile yamaveni amancane.
- Awekho ama-Deductibles emicimbini lapho kukhona khona umuntu wesithathu.
- Banesevisi yokushintshwa kwemoto ngenkathi imoto eyonakele ilungiswa, imiswa noma ikhutshazwa.
- Unephakheji yokuzibophezela eyisipele yomndeni.
Ngayo yonke iminyaka emakethe yomshwalense futhi unikeza usizo, Umshwalense wefoni we-ABA, ine:
- Usizo oluqinisekisiwe ngesikhathi esingeqi emahoreni angamashumi amabili nane.
- Iqembu elikhulu labasebenzi.
- Ukulandelela ekuphathweni kwemicimbi.
- Futhi inesevisi yokukhokha ehlukile ngokudluliswa kwe-inthanethi.
Imibuzo nezimpendulo
Okulandelayo, uhlobo lwemibuzo luzoboniswa, lapho imibuzo ependiwe kabusha phakathi kwamakhasimende kanye nabathintekayo abanentshisekelo yezinqubomgomo zomshuwalense itholakala.
Kwenzekani Kupholisi ngemva kokuhlanganiswa?
Kubalulekile ukuthi amaklayenti anezinkontileka zomshwalense yinkampani i-ABA Seguros. I-SA kanye ne-Chubb de México zisebenza ngokujwayelekile, ziyasebenza. Bazoqhubeka nokusebenza ngesivumelwano esifanayo nesenkontileka eyasayinwa ngaso ngaphandle kokuthinta inyunyana yalezi zinkampani zombili.
Ngemva kokuhlanganiswa, ulutholaphi ulwazi?
Ekuqaleni kukaJanuwari, yonke imininingwane nge-aba Seguros izotholakala endaweni yesikhulumi esibizwa chubb izoba kuphi yonke imininingwane yosizo, izinzuzo, izinhlelo, izigaba zengxenye yezinkontileka ezifana ne-mercantile ehlanganisa izinkampani ezimbili.
Ungayenza kanjani Inkokhelo yenkontileka yomshwalense?
Uma nje kungekho lwazi olushicilelwe mayelana nalokhu, i-akhawunti yasebhange ihlala isebenza, kucatshangelwa ukuthi ngemva kukaJanuwari 16, 2018, ukuthengiselana okwenziwe kufanele kuthwalwe nguChubb Seguros México SA ngaphambi kwalokhu, abasebenzisi bazoqhubeka nokwenza ukudluliselwa kwabo ngokujwayelekile. .
I-Billing
Kubalulekile ukuthi amakhasimende akhumbule ukuthi ngemuva kwenyunyana yezinkampani ezimbili zomshwalense, yonke imiqondo inegama le-Chubb Seguros México, SA.
Ukuze ucele amarisidi ungenza kanjalo ngokusebenzisa:
- Email: service.customersmexico@chubb.com.
- Inombolo yocingo: 811 253 3939.
Ingacelwa kuphi i-Quote?
Odinga isicelo senani lohlelo lwe I-ABA Phone Insurance, izimoto, ama-SME noma umndeni. Ungathinta inombolo elandelayo: 811 253 3939 noma ngokuyicela ku-inthanethi endaweni yesikhulumi senkampani.
Uma iklayenti elinenkontileka yethulwa ngomcimbi, lixhumana kuphi?
Uma kwenzeka isicelo, iklayenti kufanele lishayele inombolo yocingo ngokushesha. 811 253 3030. Bazokutshela ukuthi iyiphi inqubo okufanele uyilandele.
Umbiko we-"Market 2.0"
Umbiko wenziwe ngu-Elia Parrilla ngoMeyi 14, 2020, maqondana nokwanda okubonwe emakethe yomshwalense wezimoto eMexico.
Funda mayelana nokunwetshwa komshwalense wemoto eMexico
Ngokusho kwe-AMIS, imakethe yomshwalense izokwenyuka ngo-(4.5%). Izimoto zisendaweni yesibili ohlwini lwemikhiqizo edayisiwe kakhulu, ibe nokwenyuka ngo- (10.1%).
Ngalokhu, kusho ukuthi umshuwalense uphinde uhlupheke ngokukhula okucacile kakhulu, ngenxa yemithetho emisha echazwe ku-Official Gazette ye-Federation ithi: ukuthi umshuwalense wezimoto kufanele ube nesidingo.
Naphezu kokuthi kunenani elikhulu lemishwalense yezimoto emakethe, ngonyaka odlule kube umthetho wokuthi bonke abanikazi banenkontileka yesibopho somphakathi esisebenzayo.
Ngale ndlela, abantu besithathu bavikelekile njengoba zinjalo izakhiwo kanye nabantu ngabanye, unyaka, ukwakheka noma amamodeli ngeke kucatshangelwe, noma inani lemoto eqalwa ngayo, lokhu kuhambisana nendlela isibuyekezo esikhona ngayo manje. .yemithetho yomgwaqo, amabhuloho kanye nezokuThutha zikahulumeni.
Yiziphi izinhlobo Zomshwalense?
- Isibopho somphakathi. Umshwalense onenjongo yokuvikela umonakalo owenziwa ezinkampanini zangaphandle, njengempahla, izingozi noma ukufa kanye nesinxephezelo esinqunywa umthetho. Kuphinde kufakwe ingxenye yezomthetho, izindleko zodokotela, usizo lomgwaqo kanye nokudluliselwa.
- Kunomkhawulo. Ngaphandle kokuba nomshwalense we-civil liability, kukhona nokubhekelela ukwebiwa kwezimoto. Kwezinye izimo, inkontileka iphinde ibeke izindleko zezempilo zabantu ababekhona, usizo emigwaqweni, ukudluliselwa kanye nengxenye yezomthetho.
- Okukhulu. Le nkontileka iqukethe konke okuvezwe ngenhla kwezinye izinqubomgomo, kodwa futhi inesevisi yemoto ebambele lapho kwenzeka umcimbi.
Yiziphi Izinkampani Zomshwalense ezigqame kakhulu?
Ngokolwazi olukhishwe yi-Condusef kanye ne-AMIS, bathi, phakathi kwabadayisi bomshwalense wezimoto e-Mexico, abokuqala endaweni abacabangela amanani nezinsizakalo yilezi:
I-ABA Phone Insurance
Kuyinkampani yomshwalense osekunesikhathi eside ikhona emakethe, naphezu kweqiniso lokuthi ukukhethekile kwayo kuhlanganisa konke futhi kubanzi, futhi imikhiqizo yayo ihlanganisa nesevisi engenamkhawulo yamaphutha kubantu besithathu noma ukwebiwa kwezimoto okubizwa ngokuthi yi-civil liability.
Kukho konke ekunikezayo, isendaweni yokuqala, ikalwe ngamakhasimende ayo ngamaphuzu angu-8.9.
Umshwalense we-AIG
Inamaphuzu angu-8.8 ekuhlolweni kwayo. Ibizwa ngokuthi yiyona enesevisi engcono kakhulu uma kuziwa ekufakeni izicelo kubantu besithathu, ngezindleko zokwelashwa kulabo ababesemotweni ngesikhathi somcimbi, ngaphezu kwenkonzo emgwaqweni, engxenyeni engokomthetho. kanye nokusulwa kwamabhondi ebheyili
I-GNP Automobile Insurance
Lo mshwalense unamaphuzu angu-8.4 ngosizo lwayo, ikakhulukazi ekubhekeleni i-“Umshwalense Womshayeli”, futhi, ukuze kugcwaliseke isibopho somphakathi kubalingani kanye nomonakalo kubantu besithathu.
I-Mapfre Insurance
Itholakala inamaphuzu angu-8.2, ohlwini lwezinkampani zomshwalense eziqanjwe kakhulu eMexico. Phakathi kwezinsiza ezibaluleke kakhulu wumthwalo wemfanelo womphakathi eliwunikeza labo abaqashiwe, nakumigomo uma kwenzeka kwebiwa izimoto.
Umshwalense we-AXA
Amaphuzu akhe aku-7.5. Yinkampani edabuka eFrance, enamahhovisi emazweni acishe abe ngamashumi ayisithupha, ehlinzeka ngenkonzo yezinga lokuqala kuyo yonke imigomo yayo, ikakhulukazi ezimotweni zezokuvakasha.
Ungazi Kanjani ukuthi lezi Izinkampani Zomshwalense zihamba phambili?
I-Federal Consumer Protection Office ithi amanani omshwalense angase ashintshe, kuye ngezici zomshayeli, ubudala, isizinda somshayeli, ukwakheka kanye nemodeli yemoto, baphinde bacabangele imibandela umshayeli anayo.inkontileka yenkampani yomshwalense. .
Ukuthatha i-PROFECO njengesibonelo, okukhomba ukuthi labo abancane, njengentsha, basengozini enkulu ezinkampanini zomshwalense, kulezi zimo izindleko ziphezulu uma kuqhathaniswa nomuntu osenkontileka yobudala.
Kunesinye isizathu esingaba nomthelela lapho izimoto zisha noma sezinesikhathi eside zingangeni emakethe futhi futhi uma ziwubukhazikhazi, kulezi zimo izinkontileka ziba ngamanani aphezulu.
Ukuze uthole ukuthi yimuphi umshwalense olungele umuntu onentshisekelo, kuyadingeka ukuthi ucaphune ngesifanisi somshwalense i-Condusef enaso sezimoto, esinikeza imininingwane yeminye imishwalense.
Kuyanconywa futhi ukuthi uvakashele umdayisi noma amahhovisi emishwalense ehlukene, futhi kuyanconywa ukuthi kungabi nezingxoxo nabantu abalamulayo nomshwalense. Umuntu onentshisekelo kumele ahlale eqaphela ukuthi inkampani isebenza ngokusemthethweni.
Umuntu onentshisekelo akumele asayine ngaphandle kokuvuma ngokugcwele futhi eseyifunde yonke inkontileka. Umuntu kufanele azinike isikhathi asidingayo ukuze azinqumele ukuthi ufunani njengenqubomgomo, angagcini eseqoliwe.
Kubalulekile ukuthi unganikezi ulwazi olungalungile, ngoba ngokuya ngendlela ebekwe ngayo esigatshaneni, kungase kube isizathu sokukhansela inqubomgomo.
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