Ngaba uzive ngathi uhlawula impumlo yomshuwalense wemoto ? Indlela eqinisekileyo yokuhlawula umlinganiselo ophezulu kukuba wena okanye ilungu lentsapho ngumqhubi omkhulu wengozi . Qinisekisa ukuba unomngcipheko ophezulu wokuzilungiselela ukulungiselela iindleko zomshuwalense ophezulu. Uninzi lweenkampani ze-inshorensi zisebenzisa iisethi ezifanayo zemithetho ukuchonga umqhubi omkhulu wokubeka ingozi.
Unomqhubi ophezulu wokubeka umngcipheko xa uphendula u-ewe kwimibuzo elandelayo:
01 Unayo i-DUI?
I-DUI kunye ne-DWI ziyi-acronyms zokuqhuba ngokuqhutywa ngempembelelo kunye nokuqhuba ngexesha lokungaphumeleli. Le mibini ibhekisela kwinto enye, ukusela kakhulu kwaye uqhube isithuthi esithile okanye loo nto nayiphi na into eguqula ikhono lakho lokuqhuba imoto. I-DUI kwi-rekhodi yakho iyakulungele ukuba ube ngumngcipheko omkhulu. Ukusela nokushayela kuyingozi kakhulu. Ubunokonakala komonakalo kwisithuthi sakho kunye nakwiirakethi zomoya ezilimazayo xa uqhuba utywala. Ukwenza ukhetho oluthathaka olunjengokusela kunye nokuqhuba umqhubi, lityhawula iinkampani zomshuwalense. Abathwali bomshuwalense abathandayo abafuni ukuqinisekisa abaqhubi nge-DUI. 02 Ngaba unamaqondo angaphezulu kwama-6 kwirekhodi yakho kwiminyaka emithathu edluleyo?
Ukudibaniswa kweendlela ezininzi zokuphulwa kwezithuthi okanye izingozi zephoso ziyakunyanzela ukuba ungene kwindawo ephezulu yengozi . Bonke abaqhubi banomdla wokuphula umthetho. Akukho mntu umqhubi opheleleyo we-100 pesenti yexesha, nangona ezinye zilunge ngakumbi kwabanye. Ixesha elininzi ngaphezu kweyiphi na inaliyiphi na ityitile inezela ngaphezu kwamanqaku angama- 6 kwirekhodi yakho. Amanqaku angaphezu kweetandathu uthetha ukuba awusayi kwamkeleka nge-inshurensi yokuthwala. 03 Okwangoku awuqinisekisiwe?
Abaninzi abanqwenela iinshurensi abathwali abakwamkeli abaqhubi abangabikho ninshuwalense yangaphambili . Izithuthi ezikhethiweyo ezingamkelekanga i-inshurensi yangaphambili ziya kuhlawulisa izinga eliphezulu. Ukuba ungumqhubi welayisenisi, i-inshorensi isoloko ifunwa ngenye indlela, ingaba iboniswe njengomqhubi kumgaqo-nkqubo okanye unomgaqo- nkqubo ongenawo umnini . Abaqhubi abangenayo i-inshurensi yangaphambili bangakhokhela amazinga aphakamileyo njengomqhubi onokuqhuba phantsi kwefuthe lokuphulwa kwezithuthi. Ezinye iziganeko azange zinqunywe kwaye zome. Iinkampani ze-inshurensi zisingatha ukuhlukumeza okulandelayo ngokwahlukileyo.
04 Ngaba uhlawuliswe nge-Intox evuliwe?
Abanye abathwala i-inshurensi bayaqaphela ithikithi le-tox evulekile njengophulaphulo olukhulu. I-inx evulekile ibhekisela ekubeni nebhotile evulekileyo yotywala kwisithuthi esishukumisayo. Umqhubi akafanele adakwe ukuba athengiswe nge-tox evulekile. Kwiindawo ezininzi, i-tox evulekile nayo inganikwa umntu ohamba phantsi endleleni kunye nesitya sokuvula utywala. Iinkampani ze-inshurensi ziyakwazi ukuhlawulisa umqhubi nokuba ngaba ithikithi yayingakhange ikhutshwe ngelixa isithuthi. Ukhetho olubi malunga nokusela kotywala lunokuchaphazela irekhodi lakho ixesha elide. 05 Ingaba unomncinci kwi-Possession okanye i-MIP Violation?
Umncinci ophetheyo ubhekisela kumntu omncinci obanjwe ngotywala okanye into engekho mthethweni. I-MIP isetyenziswe kwingxelo yakho ingaba isithuthi sithintekile okanye cha. Abanye abathwali bomshuwalense banzima kunabanye. Ngoko ukuphulwa kwaso kuyahluka ngokwenene nokuba ngaba kuya kuchaphazela i-inshurensi yakho. Abanye abathwali baphatha ngayo ngokugqithiseleyo njenge-DUI ngelixa abanye bengayifaki into yokulinganisa. Nabani na iMIP kufuneka bathenge ii-inshurensi zithwali ukuba i-MIP ichaphazela izinga labo. Ukuphulwa kweendlela ezinkulu kunye ne-inshurensi yangaphambili zizo zimbini zonyango ezibhekiselele ukuba ziya kuhamba ekugqibeleni. Ukuphucula indlela oqhuba ngayo imoto kunye nokwenza inkokhelo yakho ye- inshurensi yemoto ibe yinto ephambili ekukukhupha kuyo. I-inshurensi engabiziyo inokwenzeka xa ubeka ingqondo yakho ukwenza utshintsho.