Kodwa nawe uyazi ukuba, ngaphandle kwe-inshurensi yomshuwalense, injini yakho iya kugqitywa, ifake kwisitoreji kwaye ikuyise emsebenzini okanye kwimarike, okanye kwenye indawo ofuna ukuyifumana. Ngoko xa imali iqinile kwaye kufuneka uyanciphise, unokuva ufune ukuvumela ukuba umgaqo-nkqubo womshuwalense wephepha uphelelwe ixesha elincinane. Isiluleko sethu kuwe kukugubungela onke amandla akho kunye nokulwa okukhuthaza, kwaye yintoni isizathu.
Ukuvumela i-auto yakho yomshuwalense iphela .
Izandi ezihle kakhulu, akunjalo? Ndiyathetha, isithuthi sakho sihleli egalaji kuphela. Awuyikuyiqhubela kuyo nayiphi na indawo, ngoko yintoni ingozi? Nantsi ingozi. Ngokutsho kweNew York Vehicle ne-Code Traffic, kufuneka uguqule ubhaliso lwakho kwaye unikezele iipleyiti zeelayisenisi phambi kokuba umgaqo-nkqubo wakho womshuwalense ukhansele . Umzuzwana umgaqo-nkqubo wakho uphelile, umgcini-mali uya kuzisa ngeSebe lezithuthi kunye nokubhaliswa kwezithuthi zakho kuya kususwa ngokukhawuleza.
Oku kuya kwenzeka nangona imoto yakho okanye iloli limile kwindlela kawonkewonke okanye ifakwe kwisitoreji. Ukuba uhluleka ukujika iiplati zakho uze ufumane i-inshurensi entsha kwisithuba seentsuku ezingama-90, uza kufuneka ukhokhe imali yokubuyisela ukubhaliswa ngokusekelwe kwinani leentsuku zakho zobhaliso. Okwangoku, umrhumo wemihla ngemihla i-$ 8 kwiintsuku ezingamashumi amathathu zokuqala, i-$ 10 kwiingamashumi amathathu ezizayo, kunye ne-12 kwii-30 zokugqibela.
Ukuba ubhaliso lwakho lugxininiswa emva kweentsuku ezingamashumi asibhozo, ilayisenisi yakho yokuqhuba iya kugxininiswa kwaye ubuyisele ilayisenisi yakho yomqhubi iya kukuhlawula i-$ 50 eyongezelelweyo. Ukuqwalasela imirhumo efanelekileyo yokubuyiselwa kunye nezohlwayo, umgca wukuthi mhlawumbi awuyi kusindisa nayiphi imali ngokuvumela ukuba i-inshurensi yakho ilahleke.
Ukuphulukana okulula kwi-inshurensi yakho, nangona kunjalo, inokuba yinto encinci yeengxaki zakho. Kuthekani ukuba uthatha isigqibo sokuthatha isithuthi sakho esingagqityiwanga ukuba uhlasele?
Ukuqhuba isithuthi sakho ngaphandle kwe-inshorensi.
Ngoku izigwebo zikhula ngokukhawuleza. Ngaphantsi kweSiqendu 319 seNew York Vehicle ne-Code Traffic, ukuba ubanjiswa ukuqhuba isithuthi sakho ngaphandle kwe-inshorensi efanelekileyo, uya kukhankanywa kwaye ilayisenisi yakho iya kugxothwa okungenani ngonyaka. Iindleko zesicatshulwa sakho siya kuba yintlawulo phakathi kwe-$ 150 kunye ne-$ 1,500, okanye iintsuku ezili-15 entolongweni. Ukongeza, ekupheleni kwexesha lakho lokurhoxisa ilayisenisi uya kufuneka uhlawule isohlwayo somntu kwi-DMV kwisixa se-$ 750. Ngokukhawuleza, ukugcinwa kwe-inshorensi yakho ngokukhawuleza kungabonakali kubiza. Kodwa nantsi i-clincher.
Ukungena engozini.
Kuze kube ngoku, zonke iindleko kunye nezohlwayo esizixubushayo zichaphazelekayo malunga noko uza kuhlawulwa ngurhulumente ngokungena-inshurensi.
Kwaye nangona ezo ndleko ziba zihamba, zibala xa zithelekiswa noko ungase ugqibe ukuhlawula xa ubangela ingozi. Ukuba ufumana ukuphazamiseka kwaye kukuphosakele kwakho, unembopheleleko yeendleko zalo naluphi na umonakalo wepropati kunye nokulimala okwenzakalo. Ezi ndleko zinokuba nzima. Kubuhlungu kangakanani? Baya kuphelisa ukutshabalalisa ipahla kunye nabaqhubi abacebileyo.
Ekugqibeleni, sonke sifuna ukugcina imali. Ngamanye amaxesha asinakukhetha. Nangona kunjalo, sisoloko sinokuzikhethela apho sokunqanda khona. Khawukhumbule nje, ukuba ulingeka ukuba uhlalutye ngokulahlekelwa yomshuwalense wakho womshuwalense, njengokuba ndathi, yilwe nxamnye nokukhuthaza. Umonakalo omkhulu unokuba omkhulu. Yaye inyaniso kukuba, ubuncinci, mhlawumbi ngeke ugcine imali.