Kungakhathaliseki ukuba uyilumkile, kukho nengozi yokubandakanya engozini xa uqhuba. Nangona kungekho ndlela yokuzikhusela ngokupheleleyo kwingozi yemoto, kukho indlela yokuzikhusela ukuba ubandakanyeke engozini: inshuwalense yemoto.
I-inshurensi yemoto ikunika wena kunye nabanye abaqhubi ngokukhuselwa kwemali kufuneka kwenzeke ingozi. Inokukunceda ukukhupha zombini ipropati kunye nemonakalo yonyango engenzeka ngenxa yengozi, ekugqibeleni iyakusindisa amanye ama-bucks amakhulu kakhulu.
Nangona i-inshurensi yemoto iyadingeka ukuze uqhube ngokusemthethweni eUnited States, imithetho ye-inshorensi iyahluka ukusuka kummandla ukuya kwimeko. Ukuze uqinisekise ukuba uhamba ngokukhuselekileyo kwaye ngokusemthethweni, kufuneka uqiniseke ukuba unesiqinisekiso esifanelekileyo kwimeko yakho.
I-State Minimum Insurance Assurance Car eWashington
Wonke urhulumente uye wazimisela inani elincinci le-inshurensi yemoto efunekayo.
Oku ncinane kunqunywe ngengozi yeengozi zemoto ezenzeka ngaphakathi kwiphondo kunye nemonakalo evela kulezi zengozi.
E-Washington State, umgaqo-nkqubo wakho womshuwalense wemoto kufuneka unikezele:
- Iifama ezingama-25,000 zomntu ngamnye ohlupheka kwengozi yemoto
- I-50,000 ye-$ engama-engozini, kufuneka ukuba ngaphezu komntu ubandezeleka
- U- $ 10,000 ngengozi yimuphi umonakalo wepropati .
Nangona ezi ziyingcipheko phantsi komthetho waseWashington , kuhlale kuluvo oluyingqiqo lokuba negalelo elingaphezulu kuncinci. Ukufumana uncedo olungakumbi, ukukhusela ngakumbi, abagibeli bakho kunye nabanye abaqhubi baya kuba.
I-Washington State engaqinisekisiweyo kunye neMithetho engaphantsi
Nangona kulwa nomthetho ukuqhuba ngaphandle kwomshuwalense wemoto, kungekhona wonke umntu ohlala ngumthetho. Kukho abo baqhuba ngaphandle kwenani elincinci le-inshurensi, okanye ngubani oqhuba ngaphandle kwe-inshurensi yemoto. Xa kwenzeka ukuba ubandakanyeka engozini nomntu ongencedwa okanye engaqinisekanga, unokuphelela kwingxaki enkulu yemali.
Akuyimfuneko ukuba abaqhubi baqhube iincwadi ezingenakuqinisekiswa kunye nezibonelelo ezingaphantsi; nangona kunjalo, iinkampani ze-inshorensi zenza olu hlobo lolwazi olufumanekayo kubaqhubi abanokuthwala.
Izigwebo zokuqhuba ngaphandle kweNtsholongwane eWashington
Nanini na xa uqhuba imoto eWashington State, kufuneka ubonise ikhadi lakho lokubambisa i-inshurensi yamakhadi kumagosa okuthotyelwa komthetho, ukuba kufuneka. Oku kuthetha ukuba ubandakanyeka engozini okanye udonsa ngaphaya, kufuneka ukwazi ukubonisa ubungqina bomshuwalense wakho xa uceliwe.
Ububungqina bakho bokubhengezwa kufuneka bubonise ngokucacileyo igama lekampani yomshuwalense; inombolo yakho yomgaqo; umhla osebenza ngawo umgaqo-nkqubo kwaye umhla uyaphelelwa; kunye nenkcazo yonyaka, yenza, kunye nomzekelo wesithuthi esiqinisekisiwe.
Ukuba uceliwe ukuba ubonise ubungqina bomshuwalense kwaye akakwazi ukwenza njalo, uya kufumaneka unetyala lephulo-mvume.
Ukuba uqhuba imoto ngaphandle kwe-inshorensi eyimfuneko, uya kufumaneka unetyala le-traffic infringement, okuza kukubiza ubuncinci be-$ 450.
Xa kuziwa ekuqhubeni, uqinisekise ukuba wena nabanye ukhuselekile ngokusemandleni kubalulekile. Inqwelo-mali yomshuwalense inika ukhuseleko oluyimfuneko kubaqhubi kunye nabanye endleleni.