Kwaye oko kwenza kube ngumngcipheko ongafaneleki ukuthatha. Abanye abantu bathatha umngcipheko wokuqhuba ngaphandle kwe-inshurensi. Ukuba wenza njalo eTexas, kunjalo, umngcipheko wakho unokuba njengokungaxhamli ngaphandle kwe-chute. Khangela izigwebo zokuqhuba ngaphandle kwe-inshorensi eTexas.
Ukufunyanwa Ngaphandle Kwomshuwalense
I-Texas, njengamanye amazwe, kufuna bonke abaqhubi ukuba baphathe ubuncinci besikhokelo-mali ($ 25,000 ngomonakalo wepropati, i-$ 30,000 ngomntu ngamnye / i-$ 60,000 ngengozi yokulimala ). Yaye nangona abaninzi abashayeli baseTexas behambelana nomthetho kwaye baphathe ubuncinane ubuncinane bezomthetho, baninzi abanalo. Olunye uqikelelo lubeka ipesenti yabaqhubi abangaxhaswanga eTexas phakathi kwama-20 ne-25 ekhulwini. Nantsi into eya kwenzeka xa ubanjwa njengelungu lalo qela:
Ixesha lokuQala
Ngethuba lokuqala xa ubanjwa ngokuhamba ngaphandle kwe- inshurensi esebenzayo eTexas , mhlawumbi uya kuhamba ngokukhawuleza, ubuncinane ukuthelekiswa namanye amazwe.
Oko kunjalo, ukuba ucinga ukuba oku kulandelayo kuhamba ngokulula. Abaphulaphuli bexesha lokuqala baya kuthi, ngomthetho, batyathwe kwaye bahlawuliswe phakathi kwe-$ 175 kunye ne-350. Ukongezelela, i-overload ye-$ 250 iya kwongezwa kwimali yelayisenisi yakho yonyaka yokuqhuba nganye yeminyaka emithathu ezayo. Ukongezwa, ukubanjwa ngokuhamba ngaphandle kwe-inshurensi yaseTexas okokuqala kuza kugqiba kukubiza phakathi kwe-$ 925 kunye ne-$ 1100.
Amatyala angaphezulu
Amanani akhuphuka ngokukhawuleza ngenxa yezigwebo ezilandelayo. Ukuba ubanjiswa ukuqhuba ngaphandle kwe-inshorensi ngexesha elongezelelweyo, uya kuhlawuliswa phakathi kwe-$ 350 kunye ne-1000. Kwaye uya kufuneka uhlawule imali engaphezulu kwe-250 engaphezulu kwilayisenisi yakho ubuncinane iminyaka emithathu. Kukho ngaphezulu. Ukuphindaphinda abaphulaphuli banomngcipheko wokuba ilayisenisi yabo ikhutshwe kwaye isithuthi sabo sithinteke. Ukuba oko kwenzeka, uya kujongana nemfazwe enzima (kunye nebiza) ukuze ufumane ilayisenisi yakho kwaye imoto yakho ibuyele.
Ngoko, ukuba ugcine ukulandelela, iindleko zokuqhuba ngaphandle kwe-inshorensi yaseTexas ziye zaphuma kumakhulu ukuya kumawaka eedola kwiintlawulo, iintlawulo kunye neendleko ezongezelelweyo. Thelekisa la manani kwiindleko zokugcina ngokwenene umgaqo-nkqubo wakho ukuya kutsho kwaye ngokukhawuleza ukulahla i-inshurensi yakho ayibonakali njengengcamango enjalo.
Inombolo Eyoyikisayo
Okwangoku siye saxoxa kuphela ngemali kunye neminye imiphumo eya kuthiwa nguRhulumente waseTexas ukuqhuba ngaphandle kwe-inshurensi. Into esingazange sichaze iindleko ezibhubisayo oza kujamelana nazo xa ufumana ingozi ephosakeleyo yakho. E-Texas, unokubanjwa ipesenti ezili-100 ezimele uxanduva naluphi na ukulimala okwenyama kunye nomonakalo wepropathi obangelwa yingozi yemoto oyibangele.
Kwaye oko kuyinyaniso nokuba unomshuwalense okanye awukho. Cinga ukuba zeziphi iindleko zibe: amawaka, amakhulu amawaka, mhlawumbi ngaphezulu. Umqhubi ongaxhaswanga angabona ubomi bezinto eziqokelelwayo ngokutsha kwangoko.
Ngoku yisikhathi sokuzibuza ukuba ukugcina imali encinci ngenyanga ngokulahla i- inshurensi yakho iyimfuneko yengozi. Ndicinga ukuba lixesha lokubuyisela ukufana kwethu neparachute. Ukuqhuba ngaphandle kwe-inshorensi eTexas kufana nokuxhuma kwi-plane ngaphandle kwe-chute. Ukuba wenza oko, uya kupheka.