Imibuzo eqhelekileyo malunga neMithwalo yemfanelo yemali
Umthetho woxanduva lwemali ngumthetho karhulumente ofuna abantu ukuba babonise ukuba banemali eyaneleyo okanye iimpahla zokukhawulela nayiphi na umonakalo onokubangela. Enye indlela yokuhlangabezana nemithetho yoxanduva lwemali kukuthenga ubuncinci bomshuwalense wombuso .
Le mithetho yomshuwalense yomhlaba ikhusela bonke abashayeli endleleni. Imfuno emininzi yemimiselo yomshuwalense wombuso kunye nemithetho yoxanduva lwemali iyahluka ngobuso .
Ukuqonda uMthetho woXanduva loMali
Zonke iimeko zinolawulo lwemithwalo yemali. Umthetho woxanduva lwemali ufuna ukuba abantu baqinisekise ukuba banempahla ekugcinwe kuyo ukuhlawula umonakalo onoxanduva lokumangalelwa kwingozi yemoto .
Kwenza kube lula ukuqonda ukuba ucinga nje ngomthetho ofuna ukuba ube nexanduva lwezezimali kwizenzo zakho xa unemoto.
Umthetho woxanduva loxanduva lwemali alisoloko ludinga ukuba ubonise ukuba unomshuwalense wemoto. Nangona kunjalo ubuncinane bomshuwalense kwimoto yakho yindlela elula yokuhlangabezana nomthetho woxanduva lwemali, kwaye uyakukhusela kakhulu.
Yintoni UmThetho woxanduva lwezeMali onokuyenza ngeNtshurensi?
Nge-inshurensi, xa unamabango okanye ubangela umonakalo inkampani yomshuwalense ihlawulela kakhulu umonakalo nokukhusela. Ukuba uthabatha uxanduva lwemali ngokwakho uya kuhlawula ngaphezu kweendleko zinshorensi.
Yingako ubuncinci bomshuwalense kwenza ukuba kube lula kwaye kuhlakaniphe indlela yokuba abantu bahambisane nomthetho.
Imibuzo emi-5 Impendulo malunga neMithetho yoLanduva lwezeMali kaRhulumente
1. Ngaba zonke iiNkampani zifuna iIntshuwalense yemoto?
Hayi, nangona iindawo ezininzi zifuna abaqhubi ukuba bathenge inshuwalense yemoto, kungekhona bonke abakwenzayo. Kodwa zonke iimeko zineemithwalo zemithwalo yemali.
Le mithetho ikhona ukukhusela bonke abaqhubi ngokufuna abaqhubi ukuba baqinisekise ukuba banakho ukuhlawula imali ngenxa yengozi . Uninzi lwabaqhubi belithobela imithetho yomthwalo wemali ngokuthenga i-inshurensi yemoto.
2. Ngimfuneko nini ukuba ndibonise ubungqina bokuthotyelwa kweMithetho yoXanduva lwezeMali?
- Emva kokuba uye wabandakanyeka engozini yemoto
- Xa ubuyisela kwakhona ilayisenisi yakho yokuqhuba emva kokumiswa okanye ukuchithwa
- Xa ipolisa licela ukuba libone
- Xa ubhalisa imoto yakho
3. Yiyiphi iQinisekiso njengoBungqina bokuthotyelwa kweMithwalo yemfanelo yeMali:
Amakhadi e-ID yomshuwalense wemoto
- I-Binder ye-Inqwerensi yemoto
- Ukuthumela isibophelelo sokuqinisekisa
- Ubungqina bentlawulo yeCash Deposit - le nto xa unokubonisa ukuba ubeke imali encinci yemali efunekayo kunye nee-arhente zorhulumente ezivunyiweyo, njenge-ofisi yomlawuli we-state okanye i-ofisi ye-inshurensi kaRhulumente.
- ISatifikethi se-Self-inshurensi - ngokuqhelekileyo iikhampani ezinkulu okanye abantu abaneenqwelo zeemoto, kwaye abayi kuba ngabanye kwiimeko ezininzi
4. Ndingakwazi Ukuthobela uMthetho Wamalungelo EzeMali Wamazwe Ngaphandle kokuthenga i-Intshurensi yemoto?
Kwamanye amazwe, unakho ukuthobela imithetho yomgaqo-mboleko yelizwe ngezinye iindlela kunokuthenga i-inshurensi yemoto.
Wonke umbuso uhlukile, kodwa ezinye iindlela zokuthobela zizothumela izibophelelo okanye zenze idiphozithi (bona umbuzo wesi-3 ngasentla).
5. Ngaba kulungile ukuthobela iMithetho kaMgaqo-mali kaMbuso weNkampani ngeNqwerensi ye-Car?
Ewe phantse kuwo onke amacala athengisa i-inshurensi yemoto yindlela efanelekileyo yokuthobela imithetho yemithwalo yemali. I-inshurensi yemoto ayinakukukhusela ngemali xa usengozini, kodwa iya kunika nokukhusela ngokomthetho ukuba loo mfuneko iyimfuneko.
Ezinye zeMimiselo yoLanduva lwezeMali kuMthetho kumazwe ahlukeneyo
Imithetho yoxanduva lwemali iyahluka kakhulu kwilizwe ngalinye.
Ngokomzekelo, e-Arizona, unokubeka i-bond engama-40,000 ukubonisa ukuba unokuhlawula umonakalo obangelwa ngengozi, okanye ungathenga i-inshurensi yemoto e-Arizona ephantsi:
Uxanduva lokulimala komzimba ngama-25,000 ngomntu ngamnye
Uxanduva lokulimala emzimbeni wama-50,000 ngeengozi
I-25,000 yemali yomonakalo yomhlaba ngengozi
Ngokomzekelo, eVirginia, umthetho uhlukile kakhulu. Ungathenga i-inshurensi yemoto okanye "uhlawule imali engama-$ 500 ngexesha lokubhalisa. Ukuhlawulwa kwalo mrhumo kuvumela umnikazi wezithuthi ukuba aqhube isithuthi esingaxhaswanga." Ukufumana iinkcukacha ezingaphezulu, kunye neemfuno ezipheleleyo, unokutyelela i-Virginia DMW.
Indlela yokufumanisa iMithetho yakho yeMfanelo yeMali
Ukuba ufuna ukufunda ngokubanzi malunga nombuso ngeemfuno ezingundoqo zelizwe uqhubeke ufunda uluhlu lwezona zinto zincinci nge-inshurensi yemoto yombuso kunye neemfuno zomthetho woxanduva lomnxeba okanye ufonele i -ofisi yomkhomishinala we-state okanye i-DMV yendawo oya kuba nako ukunceda.