Abemi baseNew Jersey baneenkontsho zempahla ye-inshorensi eyenza ukuthenga i-inshurensi yemoto engabizi kakhulu.
Abaqhubi banokukhetha kwiiNkqubo eziSiseko kunye neeMigangatho ze-Auto Auto. Umgaqo-siseko useyona ndlela enokuthenga ngayo, kodwa kubandakanya okukhethwa kukho okuncinci. Uninzi lwabantu lukhetha iPolisi eMiselweyo. Iinkcukacha malunga neePhakethe zePolisi eziSiseko kunye neeNkqubo ziyafumaneka kwi-State of New Jersey Isebe leBhanki kunye ne-Inshorensi.
Isizathu sokuba abantu bavumele i-inshurensi ukuba iphose
Kukho iinkcukacha ezininzi ezinxulumene nezizathu ze-inshurensi yemoto ezivumelekile ukuba ziphele, kodwa kubantu abaninzi, izizathu zingadilizwa zibe nye kwiintlobo ezahlukeneyo ezinhlanu. Eyokuqala ayinayo imali ekhoyo yokuhlawula i-inshurensi, kwaye okwesibini ukulibale ukuhlawula i-inshurensi . Icandelo lesithathu neyesine linxulumene nemoto ephukileyo okanye echaphazelekayo engozini - ayisayi kukhwela ixesha. Yaye inqanaba lokugqibela libhekiselele kwisithuthi esithengiswayo.
Ngokucacileyo, ngaphakathi kwezi zigaba, kukho izizathu ezahlukeneyo kunye neemeko.
Nangona kunjalo, xa kuziwa kwintengiso yomshuwalense, kukulungele ukuba ungalokothi uvumele i-inshurensi iphelelwe .
Ukuba ukuphulukana kungenxa yokujonga okanye ngenxa yokungabi namali, kunethuba elihle lokuba isithuthi siyaqhutyelwa. Kucacile ukuba oku akukhuthazwayo. Nangona xa imoto iphuma kwikhomishini, akusibulumko ukuvumela i-inshurensi ukuba iphelelwe.
Ukuqwalasela
Ukuqhuba imoto ngaphandle kwe-inshorensi ixhomekeke ekuziphatheni okuyingozi . Iziphumo ezibi kakhulu zingabangela. Ekugqibeleni, njengomnini okanye obhalisiwe kwisithuthi, unokubanjelwa uqobo wengozi.
Enye inkxalabo ihambelana neentlawulo ezikhutshwe kubaqhubi abangaqinisekanga. Ngaphandle kweentlawulo, ezinye izigwebo nazo zinokumiselwa. Ukongezelela, oku kwongeza amaphulo e-inshorensi okwenza ixabiso le-inshorensi yakho libiza kakhulu.
Ngubani ophethe iRhafu?
Kubonakala ngathi umqhubi wesithuthi esingenasistim uya kuba ngumntu oza kufumana nayiphi na iindleko ezihambelana nokuqhuba ngaphandle kwe-inshorensi, kodwa inyaniso kukuba, uxanduva lunokuwela kumnini okanye obhalisiweyo kwimoto. Umthetho waseNew Jersey unako ukubeka uxanduva kumntu obhalisiweyo okanye umnini ukuba loo mntu ubangela ukuba isithuthi sisebenze.
Oku kubhekisela kumnini okanye obhalisiweyo wesithuthi esingenasiswanga esivumela omnye umqhubi ukuba aqhube imoto. Nangona kunjalo, ukuba umqhubi uyazi ukuba akukho nkonzo yomshuwalense kwisithuthi, loo mqhubi unokuba noxanduva.
Unjani Umshurensi
Yonke imoto kufuneka, ngokutsho komthetho waseNew Jersey, inomthwalo wemfanelo. Oku kunikeza ukubonelela ngezinto ezinjengomonakalo wepropati, ukulimala komzimba, kwaye nakwiimeko zokufa.
Ukulimala okungaphantsi komzimba kunye nokufa komntu omnye umntu kufuneka ubuncinane i-$ 15,000 kwaye, ubuncinci, i-30,000 yeevenkile enye yengozi. I-inshurensi kufuneka ibandakanye ngaphantsi kwama-5,000 e-$ ngomonakalo wepropati ngengozi enye.
Izigwebo
INew Jersey ibeka izigwebo ezinzima kunye neziqinileyo kubo baqhuba ngaphandle kwe-inshurensi. Iziphumo zingabandakanya iintlawulo, ukuhlawula , ukukhutshwa kweelayisenisi zabaqhubi kunye neenkonzo zentlalo ezingakhokhelwa. Ngaphezulu, amanqaku e- inshorensi atyunjwe, angabongeza kakhulu kwiindleko zomshuwalense wemoto .
Hlalani ngokusemthethweni, Yilondoloze ikhuselekile kubo bonke, kwaye Gcina imali
Inqwelo yomshuwalense imoto iyimfuneko enkulu kubantu baseNew Jersey. Musa ukuthatha amathuba; kugcina izinto ezisemthethweni kuwe kwaye ukhusele wonke umntu ochaphazelekayo. Funda ngokungafani phakathi koMgaqo-siseko kunye noMgaqo-nkqubo oQinisekileyo-ke unqume ukuba yeyiphi ipakethi eya kusebenza kakuhle kwiimeko zakho ezithile.
Gcina ukhumbule ukuba iinkampani ezahlukeneyo zomshuwalense zinikeza amaxabiso ahlukeneyo, ngoko ukuthatha ixesha lokwenza ukuthelekiswa kwe- intanethi kuhlale kunenzuzo. Umgca wenyani, Inqwelo-mali yaseNew Jersey iyimfuneko, kodwa unakho ukhetho!