Kuthiwani ngale nto? Ukulahla i-inshurensi yakho. Akufani nokutya okanye indawo yokuhlala. Ndiyathetha, akunjalo, into efunekayo, akunjalo? Ingxaki kukuba, ukuqhuba ngaphandle kwayo eFlorida kunokuphelisa imali eninzi ngaphezu kwe- inshorensi yakho yenyanga yenyanga. Enyanisweni, izigwebo zokuqhuba ngaphandle kwe-inshurensi eFlorida, uqikelele, zibiza.
Iimfuno zeeNtshurensi zaseFlorida
IFlorida yi-"state-fault" state insurance. Ngaphantsi koMthetho weMali kunye noNge-Fault imithetho , abanikazi bezithuthi kufuneka baqhube ubuncinane beemali ezili-10 000 zeemfanelo zomonakalo wepropati (PDL) kunye ne-R10 000 ukwenzela ukukhuselwa kokuzilimaza (PIP) . Kufuneka ube ne-postage phambi kokuba ufumane ukubhaliswa kwakho kunye namathegi, kwaye kufuneka uqhubeke uhamba nawo ngexesha lokubhalisa. Ukuba unenjongo yokulahla i-inshorensi yakho, nangayiphi na isizathu, kufuneka uzinikele iiplate phambi kokuba i-inshurensi iphelelwe.
Ukuba awunayo kunye ne-inshorensi yakho iphela, ngoko ...
Izigwebo eFlorida okokuqala ngecala elingenashuwalense.
Emva kokuphelelwa komgaqo-nkqubo wakho we-Florida auto, umphathi womshuwalense wakho uyafuneka ngumthetho ukuba azise ngokukhawuleza uhulumeni. ISebe leKhuseleko loKhuseleko lweNdlela kunye neZithuthi eziya kukwazisa ukuba unikezele ubungqina benkcazelo entsha.
Ukuba unqabile ukubonelela lo bungqina obutsha, ilayisenisi yakho, iiplati kunye nokubhaliswa kuya kunqunyanyiswa ukuya kwiminyaka emithathu. Emva kokumiswa kwalo, kuya kufuneka unikeze urhulumente ubungqina bomgaqo-nkqubo omtsha kwaye uhlawule umrhumo we-$ 150 ukuba ube nelayisenisi, iiplate kunye nokubhaliswa kwakhona.
Ngendlela, ubungqina bomshuwalense kufuneka bubonise ukuba unomshuwalense omtsha endaweni phambi kokuba umgaqo-nkqubo omdala unqatshelwe. Ukuba akunjalo, ilayisenisi yakho, amacwecwe, kunye nokubhaliswa kuya kunqunyanyiswa , nangona ixesha lokuphelelwa ngumhla omnye! Ngamanye amagama, ukuba unenjongo yokugcina imali encinci ngokuhamba ngaphandle kwomshuwalense kwinyanga okanye ezimbini, akuyi kusebenza.
Amatyala amaninzi ngenxa yokungabikho kwe-inshorensi.
Iimpazamo ezilandelayo zibiza kakhulu. Ukuba i- inshorensi yakho iphela kweyesibini kwisithuba seminyaka emithathu yokuphelelwa kokuqala, intlawulo yokubuyisela iyakwandisa kuma-$ 250. Icala lesithathu kwisithuba seminyaka emithathu, intlawulo yokubuyisela iya kunyuka kwi-$ 500.
Ezinye izinto ezimbalwa ukugcina engqondweni.
Xa uqala ukufumana i-inshurensi yakho, umniki wakho uya kukhupha ikhadi le-ID ye-Florida Insurance. Kufuneka ulungele, ngamaxesha onke osebenza ngayo isithuthi sakho, ukuba ubonise kuyo nayiphi na igosa lokuthotyelwa komthetho elicela ukulibona.
Ukuba uceliwe kwaye ungenayo, unokukhatyathwa.
Kwakhona, ukuba ilayisenisi yakho yokuqhuba okanye iifenisi zeelayisenisi zimisiwe ngenxa yokungathobeli Imithwalo yemfanelo yeMali okanye ye-No-Fault, awukwazi ukufumana ilayisenisi yokutshintshwa kweso sizathu nangona nasiphi isizathu, nangenxa yemisebenzi.
Ekugqibeleni, nabani na owenza ingxelo engamanga okanye abaqeshwe ngokubhekiselele kwi-inshurensi yezothutho zabo bangafunyanwa benetyala lokwenza okungahambisani nesibini.
Yonke into oyifundile nje iifatates ezincinane.
Ilungile lo nto. Yonke into osuvele ufunda ngayo ngokulahlekelwa ilayisenisi yakho kunye neendleko ezibandakanyekayo ekubuyiseleni kuyinto engenakucinganiswa neli: Kuthiwani ukuba awunayo i-inshurensi kwaye ungena engozini? Sonke siyazi ukuba ingozi yemoto ingabangela ukulimala okwenzakala kakhulu. Izibhedlele zithengela yedwa ziyakunqumla ixabiso lempahla yezona zinto zihamba phambili.
Futhi ungacingi ngenxa yokuba iFlorida ayikho imeko-mpazamo yokuba uya kukhangela ngokuzenzekelayo ikhonkco xa kuziwa ekuhlawuleleni ukulimala kwabanye. EFlorida, unokuthi ulandelelwe iindleko zokulimala "okunzulu" okubangela ngenxa yengozi yemoto.
Ekupheleni kosuku, ukukhansela i-inshurensi yakho yindlela yokugcina. EFlorida, izigwebo zokuqhuba ngaphandle kwe-inshorensi ziqinisekisa ukuba, kungekuphela nje uzahluleka ukugcina imali ngokuyeka umgaqo-nkqubo wakho, mhlawumbi ugqibe ukuhlawula ngaphezulu. Yaye ayikho indlela yokusinda.]
Kwimeko apho ucinga ngako ... Izizathu zokungayi Phrinta iKhadi le-Intshuwalense ye-Fake Auto