Ibango imali, nto leyo a ngokusemthethweni ithuba ithetha ukuba i insurance company kuvele ilungelo yayo insured ukumsukela ibango ngokuchasene wrongdoerUkuba yakho insurance company akahlawuli kuba umonakalo yakho car phantsi collision coverage, kuya wamsukela yayo intlawulo (kwaye yakho deductible isixa) ukususela umntu owaye e fault kuba kunokwenzeka ingozi. Kuya kwenza subrogation ibango ngokuchasene ukuba umntu ke, inkampani ye-inshorensi. Ukuba recovers yonke okanye inxalenye ilahleko, uza kufumana i-pro rata share yakho deductible emva kwakhona. Ukuba yakho wrecked car waba deemed ukuba ibe ngama-ilahleko (oko kuthetha koko ukuba financially impractical nokulungisa akululanga ukuba ibe repaired), wreck sele ixabiso. Imali recovered uyaya kwi insurance company ukuba ihlawulwe ibango. I-cost umthengi uza ngokulandelelanayo uthengise.
