Izigwebo zokuqhuba ngaphandle kweNtsholongwane eLouanda

Ngaba uyazi ingozi echaphazelekayo xa ubanjwa ngokuqhuba umshayeli ngaphandle kwe-inshurensi yemoto eLouanaana? Izigwebo zinokumangalisa. Ukunganiki ubungqina bomshuwalense ngexesha elifanelekileyo kungakhokelela ekulahlekelweni kwesithuthi sakho nangaphezulu. Khawubhekisise oko uphakanyisayo.

I-Louisiana State Akukho ubungqina bentlawulo ye-Inshorensi

Ukungaphumeleli ukugcina imithetho encinci yomshuwalense yemoto yaseLouisaana kunokukhokelela ekuhlawulweni, ukulungiswa okukhawulezileyo kwemonakalo, okanye umthwalo wakho wemoto.

Ngaphandle kokunyamekela ukufaka ubungqina bomshuwalense- kuthetha ukuba uyalibala ikhadi lakho le-inshurensi ekhaya xa uqhuba-unokukhawuleza ukuba wenze imoto yakho ifakwe okanye iifenethi zelayisenisi zisuswe kunye nesitiki eselunxwemeni esasemva.

Emva koku kwenzeka, unentsuku ezintathu ukubonelela ubungqina bomshuwalense kubaphathi; Nangona kunjalo, ukuba uyaphula ukwenza njalo kwaye unqunywe kwakhona, imoto iya kufakwa ngokukhawuleza ukuba ubungqina bomshuwalense bunikwe kwaye zonke iintlawulo zihlawulwa. Ezi ntlawulo ziza kusuka kwi-$ 75 ukuya kwii-700 zamaRandi.

Ingozi Yomoto Ingekho Inqwelo-mali Yomshuwalense

Ukuba uhluleka ukuthwala i-inshurensi kwaye udibanisa nomnye umntu onomsebenzi ofanelekileyo wokubambisana, umthetho waseLouanaana othi "Ayikho Imali, ayikho Umdlalo" ukuyeka ukuqokelela i-$ 25,000 yokuqala kumonakalo wepropati kunye ne-15,000 eyi-$ yokwenzakalo, mhlawumbi ukuba omnye umntu yabangela ingozi.

Andiyi kuvunyelwa okanye ndincoma ukuhamba nge-inshurensi yemoto, kodwa akunzima ukubona isizathu sokuba abashayeli bakhethe ukuthatha umngcipheko wokuqhuba ngaphandle kwe-inshurensi yemoto e-LA.

I-Louisiana inezinye zee-inshurensi eziphezulu ze-inshurensi yemoto kweli lizwe. Ngo-2012, iNew Orleans yabhalwa njengama-3600 engama-premium yomshuwalense womshuwalense wonyaka. Kulungile ukufikelela kwimigangatho xa iindleko zonyanzeliso ziphezulu.

Ngelishwa nangona iiprayimari zenyanga zingenakukwazi ukuzithengela , kuyabiza ngakumbi ukuba kufumaneke ngaphandle kokubhengezwa kakuhle-ngakumbi ukuba ungena engozini yemoto. Ukwenza i-inshurensi yemoto ifikeleleke, thengisa ngezinga eliphezulu kakhulu. Unokwazi ukufumana isaphulelo xa ukhetha umphathiswa ofanayo onika ikhaya lakho, abaqeshisi, ubomi okanye i-inshorensi yempilo. Nenjongo yokugcina irekhodi lakho lokuqhuba njengento ecocekileyo ngangokunokwenzeka. Xa usengozini kunye netikiti-mahala, umshuwalense wemoto unokuhlawuleka kakhulu.