by Jeffrey Lee

Ubwishingizi ni ikintu cy’ingenzi muri Amerika. Bushobora kukurinda itembagara ry’ubukungu bwawe nk’igihe umuriro ugutwikiye, imodoka yangirikiye mu mpanuka cg se igonze iyindi. bufasha kandi mu gihe imodoka yawe yangije iyabandi. Abantu benshi ntibafite amafaranga y’ubwizigamire ku buryo yabagoboka mu gihe bahuye n’impanuka cg se bangije iby’abandi. Nyamara iyo bibaye ufite ubwishingizi, bugufasha kwishyurwa cg se kwishyura ibyangiritse.Ibyo bivuze ko ufite ubwishingizi aba yikingiye mu gihe yahura n’ingorane kandi nta bushobozi afite bwo kwishyura. Ubwishingiza ni itegeko ku muntu ushaka kugura imodoka ku ideni cg se kugura inzu ku nguzanyo.

Kugira ngo ugire ubwishingizi ugomba kuriha amafaranga macye buri kwezi, icyo kigabane kikitwa Premium. Ushobora kandi kuyishyura ku buryo mbumbe iyo ubishaka. Abacuruza ubwishingizi bakusanya imigabane y’ababuguze hanyuma uwaguze ubwishingizi yakora impanuka agatanga ikirego. Mu gihe ikirego cye kigeze kubagurisha ubwishingizi uwareze yishyurwa ibikenewe. Bibaho ko uwareze hari amafaranga asabwa kubanza kwishyura mbere yo gusanirwa-yitwa Deductibles.

Urugero John afite imodoka yafatiye ubwishingizi akaba yishyura $70 ku kwezi. Yakoze impanuka y’imodoka ye irangirika. Umwishingizi we yavuze ko hazakenerwa amadolari 4000 kugirango abone indi modoka bisa kandi byakorewe rimwe. John asabwa kuriha $500 nk’ikigabane cye (deductibles) hanyuma umwishingizi we akazariha $3500. Umwishingizi we abasha kumusimburiza imodoka kubera ko hari n’abandi baguze ubwishingizi. Bityo John ashobora gukoresherezwa imodoka nubwo ariha $70 kukwezi.

Turagushishikariza gukurikira buri kwezi inkuru mu kinyamakuru zivuga ku bwishingizi butandukanye bukurikira:
• Ubwishingizi ku modoka zitwarwa n’abafite Perimi y’inyamahanga.
• Abashoferi ba Uber na Lyft ndetse n’ingaruka bifite ku kigabane umukiliya atanga.
• Akamaro ko kugura ubwishingizi wakodesheje imodoka, inzu cg icyumba cyo kuraramo.
• Ni gute wagira ubwishingizi utarigeze ubugira.
• Abashoferi bakibitangira ndetse n’ubwishingizi bakenera
• Uko washinganisha ubucuruzi bwawe.
• Uko washinganisha inzu yawe.