Iindleko zetikiti ngaphandle kwelayisenisi. Ukuqhuba ngaphandle kwelayisensi okanye ilayisenisi emisiweyo okanye irhoxisiwe, akukho semthethweni kuwo onke ama-50 kwaye neziphumo zinokuba bethuna . Kwiimeko ezininzi, ityala lokuqala ayisiyiyo ulwaphulo olulula lwezithuthi , kodwa a ityala elincinci kubandakanya ntoni Isohlwayo esinzima kakhulu kunetikiti lendlela . Nje ukuba udlulele kwi ityala lesibini nangaphaya, inokuphelela ekubeni ibe Ubundlobongela obukhulu .
Uhlawula malini kwitikiti elingena-layisenisi?
Iintlawulo zingaqala kwi $ 50 eWisconsin (ukuqhuba unelayisensi enqunyanyisiweyo, ukuqhuba unephepha-mvume elirhoxisiweyo kunganyusa iindleko ziye kwi- $ 2,500) kude kube $ 25,000 (ityala lesibini) eIllinois. Uya kujongana ne- ukunqunyanyiswa kwelayisensi , iinyanga ezimbini kwisiphelo esisezantsi ukuya kunyaka omnye kwityala lokuqala. Ukuba lityala lesibini, uya kujongana nalo ubuncinci unyaka okanye emibini. Kukwakho nethuba elihle lokuba lakho isithuthi sithinjiwe Okanye uthathe ibheji yakho.
Ixesha leJele (ukuya kuthi ga kwiminyaka emihlanu) yinto enokwenzeka ngayo nayiphi na into engeyiyo ityala lokuqala, enje ngenkonzo yoluntu, ungasathethi ke ukuba irekhodi lakho lokuqhuba ngokusisigxina ngoku liya kuba negama elingalunganga elidwelisiweyo.
Ukuba awuzange ube nalo iphepha-mvume Isohlwayo siya kuba nzima kakhulu xa kuthelekiswa nomntu obanjwe eqhuba ngo ilayisenisi enqunyanyisiweyo okanye erhoxisiweyo , kodwa iseyi ityala elincinci endaweni ye- itikiti lokugcwala . Kwi uninzi lwamazwe Ukuba uqhuba ngelayisensi enqunyanyisiweyo okanye erhoxisiweyo, uyakushiya indawo ubotshiwe.
Nalu ulwahlulo lwento onokuyilindela kwilizwe ngurhulumente ukuba uhamba ngezitalato ngaphandle kwelayisensi:
| Urhulumente | Ireyithi | |
| IAlabama | Isiposiso: $ 100- $ 500 | |
| IAlaska | ||
| IArizona | ||
| IArkansas | Isiposiso: kulungile hayi ngaphezulu kwe- $ 500 | |
| California | $ 300- $ 1,000 entle | |
| IColorado | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 500 | |
| Unxibelelwano | $ 150- $ 200. Ixabiso | |
| Delaware | $ 500- $ 1,000 | |
| ISithili saseColumbia | $ 2,500 | |
| IFlorida | Isiphene se- $ 500- $ 5,000 | |
| Jojiya | Isiposiso- $ 500- $ 5,000 | |
| IHawaii | $ 250- $ 2,000 | |
| Idaho | I-Misdemeanor- $ 1,000- $ 3,000 | |
| I-Illinois | I-Misdemeanor- $ 2,500- $ 25,000 | |
| Indiana | Felony -Ayikho ngaphezulu kwe- $ 10,000 | |
| Iowa | Isiposiso- $ 250- $ 1,500 | |
| EKansas | Isiposiso: $ 100 | |
| EKentucky | Isiphene: Ukuya kuthi ga kwi-250 yeedola | |
| ELouisiana | $ 500- $ 2,500 | |
| Maine | Udidi loLwaphulo-mthetho: Ukuya kuthi ga kwi-1 000 leedola | |
| EMaryland | Isiposiso- $ 1,000 | |
| EMassachusetts | Isiposiso- $ 500- $ 1,000 | |
| EMichigan | Isiposiso- $ 500- $ 1,000 | |
| IMinnesota | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 1,000 | |
| Nguyen | Isiposiso- $ 200- $ 500 | |
| EMissouri | ||
| EMontana | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 500 | |
| Nebraska | ||
| INevada | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 1,000 | |
| ENew Hampshire | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 1,000 | |
| Enew Jersey | $ 500- $ 1,000 | |
| ENew Mexico | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 1,000 | |
| Inew York | Isiposiso- $ 250- $ 500 | |
| North Carolina | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 300 | |
| EMantla Dakota | I-Misdemeanor- $ 1,500- $ 3,000 | |
| IOhio | Isiposiso- $ 1,000 | |
| Oklahoma | Isiposiso- $ 50- $ 1,000 | |
| Oregon | $ 220- $ 2,000 | |
| IPennsylvania | $ 200 | |
| IRhode Island | I-Misdemeanor- $ 250- $ 1,000 | |
| EMzantsi Carolina | $ 300- $ 1,000 | |
| EMzantsi Dakota | Impazamo engeyiyo - Akukho ngaphezulu kwe- $ 2,000 | |
| ETennessee | I-Misdemeanor- $ 500- $ 2,500 | |
| ETexas | Isiposiso- $ 500- $ 2,000 | |
| Utah | Isiposiso- $ 1,000 | |
| IVermont | Akukho ngaphezulu kwe- $ 5,000 | |
| IVirginia | Isiposiso- Akukho ngaphezulu kwe- $ 2,500 | |
| EWashington | I-Misdemeanor - Akukho ngaphezulu kwe- $ 5,000 | |
| ENtshona Virginia | Isiposiso- $ 100- $ 500 | |
| IWisconsin | $ 50- $ 2,500 | |
| Wyoming | Isiphene- $ 750 |
Idatha ebonelelwe yiNkomfa kaZwelonke yeeNdlu zoWiso-mthetho.
Wow, ndiyilibele ilayisensi yam
Ukubetha indlela ngelixa iphepha-mvume lakho lokuqhuba lihleli ekhaya ngokuqinisekileyo akulobuzaza njengokuqhuba unelayisensi enqunyanyisiweyo okanye erhoxisiweyo. Ngelixa ungafumana itikiti, lulwaphulo-mthetho olulula, hayi into engeyiyo. Ukuba uza enkundleni unamaphepha-mvume okuqhuba, kukho ithuba lokuba isohlwayo eso sigxothwe, nangona kungafuneka uhlawule isohlwayo esincinci.
Uyintoni umahluko phakathi kwelayisensi enqunyanyisiweyo kunye nelayisenisiweyo?
Ukuqhuba unelayisensi enqunyanyisiweyo okanye irhoxisiweyo leligi ezinkulu xa kufikwa kulwaphulo mthetho, kodwa kwiimeko ezininzi, ukuqhuba unelayisensi erhoxisiweyo lelona tyala.
Nanku ukujonga ngokukhawuleza kwezi zimbini zokuphula umthetho:
Iphelile: Ilayisensi enqunyanyisiweyo yilahleko yexeshana yamalungelo akho okuqhuba rhoqo ngenxa yamanqaku agqithisileyo kwilayisensi yakho, ukuqhuba ngaphandle kobungqina beinshurensi, okanye elinye ityala elikhulu. Kweminye imimandla, ukumiswa kuyaphela ngokuzenzekelayo kwaye ilayisensi yakho iyabuyiselwa. Kwamanye amazwe, unokufuna ukucela eyakho I-DMV ukunyusa ukunqunyanyiswa.
Kukho izinto ezinokubunciphisa ubunzima bokuqhuba kunye nelayisensi enqunyanyisiweyo kwaye enye yazo kukuba ubusazi na ukuba uqhuba ngelayisensi enqunyanyisiweyo. EFlorida, ityala lokuqala lihlala lingazi, nto leyo ethetha ukuba umqhubi ebengazi ukuba iphepha-mvume lakhe linqunyanyisiwe, utshilo u-Arion Hunt, umseki wenkampani yamagqwetha i-Arion Hunt e-Orlando. Oku kuthwala isohlwayo solwaphulo-mthetho lolwaphulo-mthetho olushukumayo olufana netikiti lokubaleka, u-Hunt ucebisa.
Kukho izizathu ezimbalwa ezahlukeneyo zokuba ungasesitalatweni unelayisensi emisiweyo kwaye ungazi, kodwa kwiimeko ezininzi kungenxa yamatikiti endlela angahlawulwanga. Ukuba uyalibala ukungenisa intlawulo yetikiti lokubalekisa, iphepha-mvume lakho linokuphela limisiwe, kwaye kwixesha elizayo xa utsaliwe, ungamangaliswa kwaye mhlawumbi nozankosi.
Ngokwenyani oku kuqhelekile: Ndingathi uninzi lwabaqhubi abatyholwa ngolwaphulo-mthetho bayamangaliswa kukufumanisa ukuba iphepha-mvume labo linqunyanyisiwe, kwaye wonke umntu uyothuka xa esiva ngeziphumo zalo, utshilo u-Derek Andrews no-Phelan, Phelan no-Danek. eAlbany, eNew York.
Kufuneka iqatshelwe into yokuba ilizwe ngalinye lahlukile kwindlela eliphatha ngayo ukuqhuba kunye nelayisensi enqunyanyisiweyo okanye erhoxisiweyo, kwaye ngelixa iFlorida inokukunika isibonelelo sokuthandabuza ukuba ubungazi ngemeko enqunyanyisiweyo yelayisensi yakho, ayingawo onke amazwe yandisa imbeko.
Kwelinye icala, ukuba uyazi ukuba iphepha-mvume lakho linqunyanyisiwe kwaye uthathe isigqibo sokuqhuba nokuba kunjalo, izohlwayo ziya kuthi zibonakalise ngokucacileyo. EFlorida, emva kwetyala lokuqala lokwazi, umoni ujongene nesidanga sesibini, i-dollar eyi-500, ixesha lokuvalelwa, ukuvavanywa, inkonzo yoluntu kunye nenkundla eyalela iklasi yokuqhuba iiyure ezisibhozo, ulumkisa uHunt. Kwakhona, oku kusebenza kuphela eFlorida.
Irhoxisiwe: Le yeyona nto imbi kwezi zimbini. Kuthetha ukuba iphepha-mvume lakho lirhoxisiwe kwaye emva kokuba uhlangabezane neemfuno ezimiselweyo okanye amaxesha amiselweyo, kuya kufuneka uphinde ufake isicelo selayisensi entsha. Ukurhoxiswa kwelayisensi kuhlala kungenxa yesenzo esibi, njenge-DUI.
Isohlwayo sokuqhuba ngelayisensi enqunyanyisiweyo okanye erhoxisiweyo iya kwahluka ngokwamazwe, kodwa kwiimeko ezininzi esi sisihlwayo esikhulu, esinokuya kwi- $ 25,000. Ixesha lakho lokunqunyanyiswa liza kunyuka kwaye phantse kuwo onke amaxesha ejele aseburhulumenteni akwitafile-amathuba okusebenza kwexesha aya kwahluka ngokuxhomekeka kurhulumente kunye nobukrakra bolwaphulo-mthetho lwakho.
Phantse kuwo onke amazwe, ukuqhuba unelayisensi enqunyanyisiweyo okanye erhoxisiweyo sisiphoso kwityala lokuqala. Xa uphinde waphula umthetho unetyala lesibini okanye lesithathu, unokuba ujonge ulwaphulo-mthetho olubi kwaye uya kuchitha ixesha elithile uvalelwe.
Umqhubi oqhubeka nokuqhuba kunye nelayisensi enqunyanyisiweyo ufumana i-tag yesiqhelo kwaye ujongene nezityholo zolwaphulo-mthetho, isohlwayo seedola ezingama-5 000, iminyaka emihlanu ejele, kunye novavanyo. Ijaji inokuyalela kwakhona iimfuno ezongezelelweyo kwimeko-ngamatyala, utshilo uHunt.
Uya kuhlawula ipremiyamu ephezulu ye-inshurensi emva kokuqhuba kunye nelayisensi enqunyanyisiweyo
Ukuqhuba isithuthi esinephepha-mvume elinqunyanyisiweyo okanye elirhoxisiweyo kunokuba sisihendo, kodwa kuyimpazamo enkulu kwaye ekugqibeleni kuyabiza kakhulu.
Ngelixa usenokucinga ukuba awuzukubanjwa, itekhnoloji yenza kube lula kunyanzeliso lomthetho ukumisela imeko yelayisensi yakho. Abantu abasemngciphekweni wokwazi ukuba basemngciphekweni kufuneka bazi ukuba amasebe amapolisa ayisebenzisile itekhnoloji yokuskena iphepha-mvume elibaxelela ukuba ingaba umnini wemoto ubhalisile okanye uyirhoxisile ilayisensi yokuqhuba, uHunt ulumkisa.
Kwiimeko ezininzi, ilayisensi yakho iye yanqunyanyiswa okanye irhoxisiwe ngenxa yetyala lokuqhuba, umzekelo, DUI okanye ukuqhuba ngokungakhathali. Ukongeza ukuqhuba ngephepha-mvume elirhoxisiweyo kuya konyusa ixesha lakho ngaphandle kwelayisenisi kwaye kungakhokelela ekuqhwabeleni.
Kwaye ungalindela ukuba i-inshurensi yakho inyuke. Ukuqhuba unelayisensi enqunyanyisiweyo okanye erhoxisiweyo ayikhathalelwanga ngabanini-inshurensi njengoko bayithatha njengeyona ndlela iphakamileyo yokuziphatha, ke lindela ukuba amaxabiso akho anyuke.
Amaxabiso anokunyuka ngokulula naphina phakathi kwama-25 ukuya kuma-30 epesenti xa inkampani yeinshurensi ikubonile ubanjiwe ngokuqhuba unelayisensi enqunyanyisiweyo okanye irhoxisiweyo, ucebisa uSa El, umseki-mbumba weSimply Insurance.
Ukuba iphepha-mvume lakho linqunyanyisiwe okanye lirhoxisiwe ixesha elandisiweyo (cinga iinyanga ezintandathu ukuya kunyaka okanye nangaphezulu), oku kuyakongeza kwiintlungu zakho zeinshurensi. Ukuba iphepha-mvume lakho linqunyanyisiwe ixesha elongeziweyo, lindela ukuba inkampani yakho yeinshurensi icime umgaqo-nkqubo wakho yakube ifunde ngokumiswa, ikushiye unomsantsa wokugubungela oza kukhokelela kumazinga aphezulu xa usenza isicelo sokugubungela kwakhona, utshilo uPenny Gusner, umthengi umhlalutyi NguyenHanHu .
Ukureyitha idatha kwiCarInsurance.com ibonisa ukuba uza kuhlawula umndilili we-9-13 ngaphezulu ukogquma ukuba uphelelwe ngumgaqo-nkqubo.
Ukuvumela umqhubi onelayisensi emisiweyo ukuqhuba imoto yakho yimpazamo enkulu
Ngaphandle kokuba ukwimeko yokuphupha kakubi, ungaze uvumele umqhubi ongenaphepha-mvume ukuba abuye emva kwevili lemoto yakho.
Phantse kuzo zonke iimeko, i-auto inshurensi ilandela imoto, hayi umqhubi. Oko kuthetha ukuba umhlobo wakho ongenalayisenisi okanye isihlobo sakho sifumene ingozi ngemoto yabo, iya kuba ngumgaqo-nkqubo wabo weinshurensi osengozini.
Ngelishwa, kuba umqhubi ongenalo iphepha-mvume ebesemva kwevili, inkampani yakho yeinshurensi ikumhlaba oqinileyo osemthethweni wokulikhanyela ibango lakho, ikwenza uxanduva lwakho kuphela kwiindleko zokulungisa okanye ukufaka enye endaweni yemoto yakho.
Imigaqo-nkqubo emininzi inegatya elichaza ukuba ukuze kusebenze, kufuneka umqhubi abe nelayisensi esebenzayo, utshilo uGusner.
Ukuba umhlobo wakho unoxanduva lwengozi, unokuqokelela ityala lemoto yomnye umntu, amatyala ezonyango, kunye nokuzikhusela ngokwasemthethweni ukuba omnye umqhubi ugqiba ekubeni akumangalele. Kwakhona, unokufumana itikiti nokuba awukho emotweni ngelo xesha. Kwamanye amazwe, unokuhlawuliswa ukuba uyazi uvumela umntu ngaphandle kwelayisensi yokuqhuba isithuthi sakho, utshilo uGusner. Unokufumana ixesha lokuvalelwa, izohlwayo, kunye nemoto yakho inokuthinjwa, kuxhomekeke kwimithetho yelizwe.
Ungalindela ukonyuka okumangalisayo kwiindleko zakho zeinshurensi kwaye kukho ithuba elihle lokuba inkampani yakho yeinshurensi iyakucima umgaqo-nkqubo wakho, onokwenza ukuba umgaqo-nkqubo omtsha ube ngumceli mngeni kwaye ubize.
Njengokukhaba okokugqibela kwiibhulukhwe, uninzi lwamazwe luza kuthimba isithuthi ukuba umqhubi ongenalo iphepha-mvume lasemva kwevili emva kokumiswa kwetrafikhi okanye ingozi. Uya kuthi emva koko uhlawule imirhumo eyahlukeneyo enyanzeliswa ngumthetho kunye nesebe lezithuthi ukukhupha imoto yakho kwindlu yezinja.
Iziqulatho
- Uhlawula malini kwitikiti elingena-layisenisi?
- Wow, ndiyilibele ilayisensi yam
- Uyintoni umahluko phakathi kwelayisensi enqunyanyisiweyo kunye nelayisenisiweyo?
- Uya kuhlawula ipremiyamu ephezulu ye-inshurensi emva kokuqhuba kunye nelayisensi enqunyanyisiweyo
- Ukuvumela umqhubi onelayisensi emisiweyo ukuqhuba imoto yakho yimpazamo enkulu