NguMthetho
Njengomqhubi waseTexas, umthetho welizwe ufuna ukuba uthenge kwaye ulondoloze i- inshurensi yemoto njengesibonakaliso sobungqina bakho boxanduva lwemali. Enyanisweni, awuyi kukwazi ukubhalisa isithuthi sakho ngurhulumente ngaphandle kokuba unike ubungqina bokuba isithuthi sakho okwangoku siqinisekisiwe egameni lakho.
IiNqanaba eziPhezulu zeNgcaciso zaseTexas
Njengakwamanye amazwe, kukho amancinci omgangatho we-auto insurance coverage ogunyaziswe ngumthetho waseTexas. Umgaqo-nkqubo we-inshurensi yemoto kufuneka ukuba:
- Iingama-30,000 zama-30,000 ekukhuselweni komzimba ngomntu ngamnye
- I-60,000 yee-60,000 ukukhutshwa komzimba kweso siganeko
- I-25,000 yee-25 kwipropati yomonakalo wepropati ngasinye kwisiganeko
Isixa sokubhengezwa okuthengayo kunye nombolo ochithwayo ehambelana nomgaqo-nkqubo uya kuthintela kakhulu ukuba ininzi yomshuwalense uya kuhlawula.
Eyongezelelweyo Inshorensi
Umthetho wesizwe awufuneki ukuba uthenge iinkqubo zongezelelekileyo ze-inshorensi ( njenge-uninsured / engqiniswanga nge-motorist coverage ). Kodwa iTexas yindawo ephosakeleyo, oku kuthetha ukuba umntu uya kufumaneka uxanduva ngenxa yengozi, kunye nokulimala okanye umonakalo obangelwayo. Yaye ukuba uthe waxhatshazwa ngokubambisana okubangelwa ngumqhubi ongaxhaswanga , ke iindleko zakho zingenakucetyiswa ngokuzeleyo ngaphandle kokuba unesi-inshurensi eyongezelelweyo .
Ubungqina bomshuwalense we-Auto
Xa ufumene i-inshurensi yomshuwalense, kuya kufuneka ufumane ubungqina bokuba unesiqinisekiso xa uqhuba kwiTexas. Kwiimeko ezininzi, inkampani yakho yomshuwalense izokunika ikariti yomshuwalense equle yonke inkcazelo efanelekileyo malunga nomgaqo-nkqubo womshuwalense we-auto.
Ukuba awunalo ubungqina bomshuwalense ngamaxesha onke xa uqhuba, ungabhekana neentlawulo eziya kuma-350.
Ukongezelela, ukuba unetyala lecala lesibini, ilayisenisi yakho yomqhubi inokumiselwa kwaye ihlawuliso yakho ingafikelela kuma-dollar ayi-1000.
Ukuqinisekiswa komshuwalense we-Auto eTexas
Ngenxa yemithwalo yemali abangenayo abaqhubi abangaxhaswanga kwindawo abahlawuli berhafu baseTexas, urhulumente uthathe amanyathelo okubhala bonke abaqhubi abafakwe ngomshuwalense womshuwalense kwaye baqokelele olu lwazi kwingcaciso.
Le nkqubo ibizwa ngokuba yiTexaSure, kwaye ivumela iiofisi zokunyanzeliswa komthetho kunye nezinye i-arhente ukuba zifake ipenethi yelayisenisi yezithuthi okanye inombolo yokuchonga ukuqinisekisa ukuba umnini-mali uyabhalelwa ngokufanelekileyo. I-TexaSure ivimbela abaqhubi abangaxhasiweyo ukuba bangabikho kwiinkqubo zobungqina benkcitho ngokuthatha ikhefu yomshuwalense womshuwalense ophelile okanye okhohlisayo.
Izaphulelo zomshuwalense we-Texas Auto
Ukuba ukhathazeke ngeendleko zomgaqo-nkqubo we-inshurensi yemoto, kukho iindlela ezininzi zokufumana izaphulelo kwiimali-mboleko zakho ze- inshorensi . Ezinye zazo zibandakanya izaphulelo ze:
- Ukugcina irekhodi yokuqhuba ngokukhuselekileyo
- Ukuphepha amathikithi ezithuthi okanye izibalo
- Ukugqiba ikhosi eqinisekisiweyo yoQeqesho yokuPhatha
- Ukunciphisa inani leekhilomitha oziqhubayo ngonyaka
- Uluhlu lwezithuthi ezingaphezulu kweyodwa kwi-inshorensi efanayo
- Ukufumana umgaqo-nkqubo wakho womshuwalense we-auto ukusuka kwiphathi-nkampani efanayo olawula ezinye iinkqubo ze-inshorensi onayo
- Ukulinganisa imoto yakho kunye nezixhobo ezahlukeneyo zokulwa nebabi
- Ukuqhuba isithuthi se-hybrid
- Ukufumana amabakala amahle esikolweni (kubaqhubi ababhalise esikolweni esiphakeme okanye kwiikholeji)
Kufuneka ujonge inkampani yakho yomshuwalense ukuba ubone ukuba yiyiphi izaphulelo ezinikwayo kunye nendlela onokufanelekela ngayo.
Ukongezelela, abanikezeli bee-inshorensi bambalwa banikezela indlela yokunciphisa iiprimiyam zakho ngokurekhoda imikhuba yakho yokuqhuba imoto. Oku kufezekiswa ngokufaka ifowuni kwisithuthi sakho esibhala idatha ehambelana nokuhamba ngexesha elithile. Ukuba le nkcazelo ibonisa ukuba ungumqhubi ophantsi komngcipheko , ii-premiums zakho ziya kuncitshiswa ngokufanelekileyo.
Ukuba ufuna ulwazi oluthe xaxa malunga nokufumana i-inshurensi ye-auto eTexas, unokutyelela kwi-website yeTexas yeSebe le-Intshu.