Ukuba uqhuba eburhulumenteni kwaye awufihliwe, okanye ukuba ucinga ukuyeka i-inshurensi yakho ukugcina imali encinci, ke yithuba lokuba wazi malunga nezohlwayo zokuqhuba ngaphandle kwe-inshorensi eMzantsi Carolina.
South Carolina Iimfuno zeeNtshurensi
Ukuba awukwazi kakade, iSouth Carolina idinga ukuba abaqhubi baphathe ubuncinane ubuncinci be-inshurensi yemoto ngamaxesha onke. Okwangoku, ubuncinci be-25,000 zama-$ ukulimala okanye ukufa kumntu omnye; I $ 50,000 ukwenzakala okanye ukufa kumntu omnye; kunye ne-25,000 yee-$ ukulimaza kwipropati. Ukufihla umqhubi wemoto, ongeyindlela, kufakwe kwiimali zakho eziqhelekileyo.
Yintoni Eyenzekayo Xa Unganayo?
Makhe sicinge ukuba ungumqhubi waseMzantsi Carolina okwangoku unesigxina esifanelekileyo, kodwa ufuna ukuwayeka, ukuba nje ngeenyanga ezimbalwa, ukuze ugcine imali. Usenokucinga ukuba kuya kuthatha ubuncinane ukuba i-DMV ibambelele kuwe kwaye emva koko uza kuba nenqubomgomo entsha endaweni.
Ukuba nguwe, unokufuna ukucinga kwakhona. Kungenxa yokuba iNingizimu Carolina isebenzisa into eyaziwa ngokuba yiNkqubo yeNgxelo yokuLawulwa kweNqwelo-mali ye-Automobile, okanye i-AILR.
I-AILR isebenza njengale: Xa ukhansela i-inshurensi yakho yomshuwalense, wakho (nowokuqala) umshishina-mali uza kuzisa ngokukhawuleza nge-elektroniki ukuzisa i-DMV yokukhansela.
I-DMV izothumela ngokuzenzekelayo ileta ekukwazisa ukuba unentsuku ezingama-20 zoshishino ukubonelela ngokuqinisekiswa kwe-inshorensi entsha. Ukuba utshintshe iinkampani ze-inshurensi ngaphandle kokuphela kwenkcazo, akukho ngxaki. Mxelele nje umphathiswa wakho omtsha malunga neleta kwaye kufuneka bakwazi ukunyamekela ukwazisa i-DMV ngokukhawuleza.
Ukuba ungaphumeleli ukuphendula kwileta ngaphakathi kwimihla engama-20, nangona kunjalo, ke unenkinga. Iphepha lelayisenisi yakho kunye nokubhaliswa kwezithuthi kuya kunqunyanyiswa , kwaye usenokulahlekelwa ilungelo lakho lokuqhuba. Isithuthi. Ikhefu. Ukubuyiselwa kwamacwecwe akho, ukubhaliswa kunye nokuqhuba imoto kunokubiza. Okokuqala, uya kufuneka ufumane i-inshorensi entsha uze uyiqinisekise kwi-DMV. Emva koko uya kuhlawula imali engama-$ 200 yokubuyisela kwakhona, kunye ne-5.00 yeentsuku ngemini yonke imihla owahamba ngayo phakathi kwemigaqo-nkqubo efanelekileyo. Ngendlela, ezo zihlwayo "zithuthi," oko kuthetha ukuthi, masithi, ukuba uthe wahlahla iifoto ezintathu kwixesha elifanayo, uya kufuneka uhlawule i-$ 600 kwimbuyekezo yokubuyisela kunye ne-15 yezigidi ngosuku abazange baqinisekiswe. Izinto zingaba zibiza, kunene? Sisengakholwanga ukuba ukuhlawula i-coverage yakho akuyona ingcamango efanelekileyo?
Funda kwi.
Ukufumana Ukuqhuba Ukuqhuba Ngaphandle Kwiminshurensi.
Ukuba iiplati zakho kunye nokubhaliswa kuye kumiswa ngenxa yokungabikho kwintengiso yomshuwalense , kwaye ugqitywa ngenkathi usebenzisa enye yezithuthi phantsi kokumiswa, ilayisenisi yakho yomqhubi iya kumiswa (ukuba ayilunayo) kwaye iya kuhlala ide uhlawule Imali eyi-$ 500 yokubuyisela kwakhona. Kwaye ukuba ubanjelwa ukuqhuba isithuthi ongekho, ilayisenisi yakho iya kumiswa iintsuku ezingamashumi amathathu kwaye uza kufuneka ukhokhe imali eyi-100 yokubuyisela imali.
Ukungena Kungozi Nangona Uncedured.
Ukwahlukana kwaye ngaphandle kwezohlwayo ezibekwa kuwe ngurhulumente, kukho ingxaki encinane yokufumana ingozi apho uphosakele kwaye ubangela umonakalo wepropati nokulimala. Andiyi kukuxelela ukuba iindleko zomonakalo wepropati, kwaye ngokubaluleke ngakumbi, iindleko ezibangelwa kukulimala okwenzakala, zingabalwa ngeenkwenkwezi.
Enyanisweni, akusikho ukunyanisela ukuthetha ukuba ukuhlawula ukulimala okwenziwe ngamaxhoba engozi yakho kunokususa ubomi bokugcina imali, ngokoqobo kwangoko.