Njengomhlali waseCalifornia, unemiqathango emincinci yeemfuno ezincinci kunoko, zithi, umhlali waseNorth Carolina wenza ntoni xa kuziwa ngomshuwalense wemoto yakho.
Inqwelo yomshuwalense oyimfuneko ikukhusela ngengozi apho ubangela umonakalo kwipropati yomnye umntu okanye ulimaze omnye umntu. Ukuthengwa okungakumbi kunokuthengwa ukwenzela ukukunceda ukufihla indleko zeendleko zakho zonyango kunye nokulimala emzimbeni wakho.
Yiyiphi i-Minimum Car Insurance Minimum efunekayo yi-CA Law
- Ubungakanani beMfanelo yokuLawulwa kweBhodi: Ngaba i-couverture ehlawula umntu omazileyo ngemoto yakho. Imida emincinci efunekayo yi-$ 15,000 yokufa okanye ukulimala komntu omnye kwengozi yemoto kunye ne-30,000 zamawaka ngokufa okanye ukulimala ukuba ngaba abantu abaninzi babandakanyeka. Abathwali abaninzi bee-inshorensi baya kubhala uluhlu lwe-15/30 olubhekiselele kwimida eyi-15,000 / $ 30,000. Ukuxhamla ukuxhamla inokukunceda ukugubungela iindleko zomthetho ukuba umqhubi okhuselekile ubandakanyeka kumgwebo malunga neengozi.
- Umonakalo wePropati Umthwalo: Ku-California, inani elincinci lomonakalo wecala loxanduva olufunwa yi-$ 5,000 engozi yemoto. Ingxelo efunekayo kwiphondo. Kuya kuhlawula umonakalo owenziwe kwipropati yomntu omnye ngenxa yengozi yemoto-ukuba umqhubi okhuselekile unqunywe ngokusemthethweni ukuba atyalale ngengozi. Ngokufanayo nokukhutshwa komsebenzi wenzakalo, umonakalo wecala loxanduva luya kuhlawula iindleko zomthetho ukuba umqhubi wokhuseleko uya kuthethwa ngokuphathelele kwingozi yemoto.
ICalifornia yimeko ephosakeleyo echaza ukuba umqhubi kufuneka atholakale ephosakele ukwenzela ukuba umgaqo-nkqubo wakhe uhlawule umonakalo. Gcina ukhumbule inqwelo-mali yomshuwalense ilandela isithuthi. Awukwazi ukubolekisa isithuthi sakho komnye umqhubi ngaphandle kokuba uqinisekise le sithuthi. Inqwelo yabo yomshuwalense ayiyi kusebenza kwimoto yakho.
Ngaba Ndifanele Ndithenge Umyinge Omncinci?
Akunzima ukubona imida emincinci efunekayo iphantsi. U-5k wemali kwisonakalo sepropati ingasetyenziselwa kwi-blink yesiso. Iimoto zomshuwalense weenqwelo-mali zihlala zivuza abaqhubi ngamanani angaphantsi ekuthwala imida ephezulu eyaziwayo njengemida ekhethiweyo yemfanelo. Ndiyazi ukuba kuyavakala ukuba i-counter-intuitive kodwa iyinyaniso. Ngamanye amaxesha unako ukuhamba umgaqo-mgaqo we-15/30/5 umda ukuya kwi-100/300/100 umgaqo-mgaqo wokuba u-dollar nje. Kuxhomekeke ngokupheleleyo kwi-inshurensi, ubudala bakho, kunye nembali yakho yokuqhuba. Musa ukucela imida encinci ekucingeni ukuba yinto ephantsi. Njalo yenza i-arhente icacise imida eyahlukileyo ukuze ukwazi ukubona umehluko kwiindleko zakho.
Yiyiphi enye Umthombo Ekhoyo?
Izigwebo zokuqhuba ngaphandle kweNqwerensi yemoto kwi-CA
Ukubeka nje, ukuba ubandakanyeka engozini yemoto engagqunywanga yinshurensi yemoto , ilayisenisi yakho yokuqhuba isenokumiswa. Ukongezelela, ukuba unqunywe ligosa lepolisa nasiphi na isizathu, unokujamelana namathikithi kunye / okanye iintlawulo zokungaqinisekanga-kwiimeko ezinzima kakhulu, ilayisenisi yakho inokumiswa kwezi meko ngokunjalo.
Ngoku ukuba uyayazi into efunwa ngokomthetho kuwe xa kuziwa kwi-inshurensi yemoto, phuma apho kwaye wenze ukuthenga okuthethelekileyo ukuze uqiniseke ukuba ufumana inqanaba le-inshurensi engcono kakhulu !