Yadda ake ƙididdige ƙarancin ƙimar motar ku

Babban dalilin da ya sa mutum ke buƙatar ƙididdige ƙimar da aka rage na mota shine shigar da da'awar inshora bayan wani hatsari. A zahiri, idan motar ba za a iya tuƙi ko kuma tana da babban lalacewar kayan kwalliya, ba ta da daraja haka.

Ko da wanene ke da laifi, ko kamfanin inshora ko wani ya zama wajibi ya biya ku kuɗin motar ku, yana cikin amfanin kamfanin inshora don ƙididdige ƙimar mafi ƙasƙanci ga motar ku.

Yawancin kamfanonin inshora suna amfani da lissafin da aka sani da "17c" don ƙayyade ƙimar kuɗin motar ku bayan wani hadari. An fara amfani da wannan dabarar a cikin shari'ar da'awar Jojiya da ta shafi sovkhoz kuma ta ɗauki sunanta daga inda ya bayyana a cikin bayanan kotu na wannan shari'ar - sakin layi na 17, sashe na c.

An amince da Formula 17c don amfani a cikin wannan yanayin musamman, kuma bai ɗauki lokaci mai tsawo ba ga kamfanonin inshora don ɗauka akan yanayin samun ƙananan ƙima ta amfani da wannan lissafin. A sakamakon haka, tsarin ya kasance a ko'ina a matsayin ma'auni na inshora, duk da cewa an yi amfani da shi ne kawai ga shari'ar lalacewa daya kawai a Jojiya.

Koyaya, bayan faɗuwa, zaku sami ƙarin fa'ida daga mafi girman rage yawan farashi. Shi ya sa yana da mahimmanci a san yadda kamfanin inshora ke biyan kuɗin da'awar ku zai sami darajar motar ku ta yanzu da ainihin ƙimarta idan kun sayar da ita a halin yanzu. Idan, bayan ƙididdige ƙimar da aka rage na motar ku ta hanyoyi biyu, kun sami babban bambanci tsakanin lambobi, za ku iya yin shawarwari mafi kyau.

Hanyar 1 na 2 Yi amfani da Equation 17c don gano yadda kamfanonin inshora ke lissafin rage farashin.

Mataki 1: Ƙayyade farashin siyar da motar ku. Ƙimar siyar ko kasuwa na abin hawan ku shine adadin da NADA ko Kelley Blue Book ke ƙayyade idan abin hawan ku yana da daraja.

Duk da yake wannan lamba ce da yawancin mutane za su yi la'akari da dacewa, ba a la'akari da yadda farashin ya bambanta daga jiha zuwa jiha, da kuma wasu dalilai. Lambar da aka samu ta wannan hanyar kuma ba ta cikin moriyar kamfanin inshora ba.

Hoto: Blue Book Kelly

Don yin wannan, ziyarci gidan yanar gizon NADA ko gidan yanar gizon Kelley Blue Book kuma yi amfani da mayen lissafi. Kuna buƙatar sanin ƙira da ƙirar abin hawan ku, nisan nisan sa, da kyakkyawan ra'ayi na girman lalacewar abin hawan ku.

Mataki 2: Aiwatar da iyaka 10% zuwa wannan ƙimar.. Ko da a cikin shari'ar da'awar Farmakin Jiha a Jojiya, wanda ya gabatar da tsarin 17c, babu wani bayani dalilin da yasa aka cire 10% na farkon farashin da NADA ko Kelley Blue Book ya ƙayyade ta atomatik, amma wannan shine iyakar da kamfanonin inshora ke ci gaba da amfani.

Don haka, ninka ƙimar da kuka samu tare da lissafin littafin NADA ko Kelley Blue da 10. Wannan yana saita matsakaicin adadin da kamfanin inshora zai iya biya akan da'awar motar ku.

Mataki na 3: Aiwatar da yawan lalacewa. Wannan mai yawa yana daidaita adadin da kuka karɓa a mataki na ƙarshe bisa ga lalacewar tsarin motar ku. A wannan yanayin, abin sha'awa, ba a la'akari da lalacewar injiniya ba.

Wannan ya faru ne saboda buƙatar maye gurbin ko gyara kayan mota; Kamfanin inshora kawai yana rufe abin da ba za a iya gyarawa tare da sabon sashi ba.

Idan kuna tunanin wannan yana da ruɗani, yana da kuma baya biya ku don ƙimar siyar da ta ɓace. Ɗauki lambar da ka samu a mataki na biyu kuma ka ninka ta da lambar da ta fi dacewa da lalacewar motarka:

• 1: mummunar lalacewar tsarin
• 0.75: mummunan tsarin da lalacewar panel
• 0.50: matsakaicin tsari da lalacewar panel
• 0.25: ƙananan tsari da lalacewar panel
• 0.00: babu lalacewa ko maye gurbin

Mataki na 4: Rage Ƙarin Kuɗi don Miƙarin Motar ku. Duk da yake yana da ma'ana cewa motar da ke da mil mil ba ta da daraja fiye da mota ɗaya tare da ƴan mil mil, tsarin 17c ya riga ya ƙidaya nisan miloli a cikin iri kamar yadda NADA ko Kelly Blue Book suka ƙaddara. Abin takaici, kamfanonin inshora suna cire kuɗin wannan sau biyu, kuma farashin shine $ 0 idan motarka tana da nisan mil 100,000 akan odometer.

Ƙara lambar da kuka samu a mataki na uku da lambar da ta dace daga lissafin da ke ƙasa don samun ƙarancin ƙimar motar ku ta ƙarshe ta amfani da dabara 17c:

• 1.0: 0–19,999 mil
• 0.80: 20,000–39,999 mil
• 0.60: 40,000–59,999 mil
• 0.40: 60,000–79,999 mil
• 0.20: 80,000–99.999 mil
• 0.00: 100,000+

Hanyar 2 na 2: Ƙididdige ainihin rage farashin

Mataki 1: Yi lissafin ƙimar motarka kafin ta lalace. Hakanan, yi amfani da kalkuleta akan gidan yanar gizon NADA ko Kelley Blue Book don kimanta ƙimar motar ku kafin ta lalace.

Mataki na 2: Yi lissafin ƙimar motar ku bayan ta lalace. Wasu kamfanoni na doka suna ninka darajar Littafin Blue da 33 kuma su rage adadin don nemo ƙimancin kimar bayan haɗari.

Kwatanta wannan ƙimar tare da motoci iri ɗaya tare da tarihin haɗari don nemo gaskiyar ƙimar motar ku. Bari mu ce a wannan yanayin, irin waɗannan motoci a kasuwa suna kashe tsakanin $ 8,000 zuwa $ 10,000. Kuna iya ƙara ƙimar ƙima bayan haɗari zuwa $9,000.

Mataki na 3: Rage darajar motar ku bayan hadarin daga darajar motar ku kafin hadarin.. Wannan zai ba ku ƙima mai kyau na ainihin rage ƙimar abin hawan ku.

Idan raguwar ƙimar da aka ƙayyade ta hanyoyi biyu sun bambanta sosai, za ku iya tuntuɓar kamfanin inshora da ke da alhakin biyan ku don asarar da darajar motar ku ta yi a sakamakon hatsarin. Ku sani, duk da haka, wannan zai iya rage da'awar inshora kuma kuna iya buƙatar ɗaukar lauya don samun nasara. A ƙarshe, dole ne ku yanke shawara idan ƙarin lokaci da wahala sun dace kuma ku yanke shawara daidai.