- I-10 000 kwi-coverage yomonakalo wepropati
- I-15,000 eyi-15 000 yokukhutshwa komthwalo wempembelelo yomzimba ngamnye umntu oza kuba okanye ukuqhuba imoto
- Iingama-30,000 zama-30 kwiingxelo ngeengozi xa loo ngozi ibangela ukulimala ngaphezu komntu omnye
Akunjalo wonke umntu ufuna ukusebenza kunye nenkonzo yomshuwalense okanye inkampani, nangona kunjalo.
Ukuba uyayithiya ingcamango yokuthenga kwi- inshente ye- inshorensi , unokwenza umzila we-"self-inshurensi" kwaye uthenge isibophelelo esincinci sama-40,000.
Kufuneka ubeke ubungqina bunye okanye omnye xa ubhalisa isithuthi esitsha kwi-DMV. Awuvunyelwe ukuba uqhube ngokusemthethweni isithuthi de kubekho ubungqina bomshuwalense .
Kodwa wenzenjani ukuba ungene engozini okanye ubanjwe ukuqhuba kwaye ungenayo inshorensi?
Iingozi
Ngenxa yokuba iArizona iyimeko "yephutha", kwenzeka ntoni kuya kuxhomekeka kuloo obangela ingozi. Ukuba ingozi yinto ethile yomntu, mhlawumbi uya kulungile. Omnye umqhubi uya kwazisa inkampani yomshuwalense-akudingeki ukuba unikeze nayiphi na ingcaciso eyakho.
Ukuba ubangele ingozi, kunjalo, kuya kuba neengxaki. Isixa seengxaki siya kuxhomekeka kwengozi, imeko kunye nendlela oyisingatha ngayo. Into ebalulekileyo kukunyaniseka.
Ukuthetha nge-inshurensi okanye ukwenqaba ukubonelela (ukungafumaneki) kolwazi lomshuwalense luya kwenza ingxaki ibe yimbi. Tshela omnye umqhubi ukuba awunayo inshorensi. Sinethemba lokuba uya kuba ne- uninsured coverage coverage (umqulu okhuselayo kwimeko enjalo). Ukuba akayi kuthi, uya kuhlawuliswa umonakalo kwaye uhlawule nayiphi na imali umntu ayenayo ukuyihlawula ephaketheni ukulungiswa kwimoto yakhe.
Oku kungathatha iminyaka ukusombulula, kodwa kufuneka uqale ukugcina ngoku.
Ukufumana iCaught Driving
Masithi ususwe. Iphoyisa licela ubungqina bakho bomshuwalense kwaye awunayo. Kwenzeka ntoni emva koko?
Oku kuya kuxhomekeka ekubeni kutheni unalo i-inshurensi. Ukuba awuzange uyithenge, ungathembela kwisijeziso esibi ngaphezu kokuba wenze iphutha kwaye ukhohliwe ukuvuselela umgaqo-nkqubo wakho (ingakumbi ukuba umgaqo-nkqubo usanda kuphelelwa yisikhathi). Ngayiphi indlela, awuyi kuvunyelwa ngokusemthethweni emva kwesondo kuze ukwazi ukunika ubungqina bomshuwalense wangoku.
Kubalulekile ukwazi ukuba e-Arizona, iinkampani ze-inshorensi zihlala ziqhagamshelana rhoqo neCandelo leZithuthi . Oku kuthetha ukuba ukuhlawula okungahlawulwayo kunokubangela ukumiswa kweelayisense zakho kunye nokubhaliswa kwakho. Oku kuya kwenzeka kwakhona xa wenza iphutha kwi-inshurensi okanye kwiifom ze-MVD okanye nokuba kuthatha ixesha elithile ulwazi oluthileyo ukuba lufike uze luqhutywe.
Kwakhona kuthatha ixesha lokuba i-MVD ikwazise xa ubhaliso lwakho kunye namacwecwe enqunyanyisiwe, ngoko kunokwenzeka ukuba uhanjiswe kwaye ungayazi ukuba i-inshurensi yakho ayikhoyo yangoku (ngokubhekiselele kwimeko karhulumente, nangona kunjalo).
Yingakho kubalulekile ukuba uhlale unobungqina bomshuwalense wangoku isandla xa ufunyanwa.
Inqwelo yomshuwalense ngenye yezinto esizithiyileyo ukuhlawula kodwa sivuyiswe xa kukho i ntlekele. Qinisekisa ukuba lakho likhoyo kwaye li ngeniswe ngokufanelekileyo!