Ndingayikhusela phi imoto yam ngaphandle kwelayisensi eMelika?

Ndingayikhusela phi imoto yam ngaphandle kwelayisensi eMelika? I-inshurensi yemoto engekho mthethweni eMelika . Kutheni le nto ufuna i-inshurensi yemoto ukuba awunayo ilayisensi? Ngokomthetho, awudingi layisensi yokuqhuba ukuze uthenge imoto. Unokuthenga isithuthi njengesipho kwaye ufuna ukusiqinisekisa ngelixa ulinde umsitho.

Ungayifumana njani i-inshurensi yemoto ngaphandle kwelayisensi?

Kodwa akukho lula ukuthenga i-inshurensi yemoto ngaphandle kwelayisensi yokuqhuba. Iinshurensi zisebenzisa inombolo ukuqinisekisa irekhodi lakho lokuqhuba kwaye bavavanye ukuba ungumqhubi onobungozi obukhulu. Banenkxalabo malunga nokuba baya kuhlala behlawula amatyala engozi ukuba uthatha isigqibo sokuqhuba ngaphandle kwephepha-mvume.

Ngenxa yengozi eyongezelelweyo, unokufuna ukujonga ngaphaya kweenkampani ze-inshurensi ezihloniphekileyo ukufumana i-inshurensi engekho emgangathweni ekulungele ukukuqesha.

I-inshurensi yeA-Abana Auto

I-inshurensi yeA-Abana Auto ikwabonelela ngemigaqo-nkqubo yeinshurensi elungileyo kwimoto yakho, nokuba unelayisensi yokuqhuba okanye awunayo .

Ngale ndlela, kwimeko elusizi yokuba ubandakanyeke engozini yemoto, i-A-Abana Auto Insurance iyakugubungela umonakalo ukuya kuthi ga kumda weemali ezikhoyo kwipolisi yakho, ngaphandle kwamathandabuzo Uncedo olukhulu kwezi meko zinzima .

I-inshurensi ezenzekelayo

I-inshurensi ezenzekelayo yenye indlela efanelekileyo yokuqinisekisa imoto ngaphandle kwelayisensi.

Unokuqesha iinkonzo zabo kwiindawo ezinjengeCalifornia, Illinois, New Jersey, Pennsylvania, Colorado, Arizona, New York, phakathi kwabanye.

Auto Insurance ikuvumela fumana ipolisi ye-inshurensi ngaphandle kwesidingo sokuhambisa iphepha-mvume lokuqhuba ngokupheleleyo ngaphandle kwentlawulo, ngokungena kwiqonga labo lewebhu kwaye ucele ikowuti yasimahla.

Ngale nto, kuya kufuneka ugcwalise ifayile ye- ifom apho uya kucelwa ukuba unikezele ngolwazi lomntu siqu , njengegama lakho elipheleleyo, inombolo yakho yefowuni kunye nedilesi ye-imeyile. Emva kwexesha unokukhetha ukhetho lwe-inshurensi ezenzekelayo, kunye nelizwe lakho ekugqibeleni ukucaphula umgaqo-nkqubo wakho.

I-inshurensi yeDulcinea

I-inshurensi yeDulcinea yenye yezona ndlela zibalaseleyo. Le nkampani iya kuthi unikezela ngemigaqo-nkqubo yeinshurensi kuyo nayiphi na imeko oyifunayo , ngaphandle kwesidingo sokubonisa ilayisensi yokuqhuba.

Le nkampani yeinshurensi Ikomkhulu limi kwisixeko saseMiami .

Ikwagubungela ezinye iimeko ezinje ukukhuselwa ekonakaleni kwezinto ezibonakalayo okanye ukwenzakala kwabantu besithathu kunye neendleko zonyango okanye zomngcwabo, nokuba ngubani onoxanduva lwengozi.

Olu lukhetho olukhulu ukuba uyazibuza ndingayikhusela phi imoto yam ngaphandle kwelayisensi.

Enkosi kwezi nkampani, unokuyikhusela ngokulula imoto yakho ngaphandle kwelayisensi yokuqhuba. Ke ungathandabuzi ukudibana neerhafu kunye neenkonzo zabo ukuba ufuna ukusebenzisa iinkonzo zabo.

Nazi iindlela eziphambili zokufumana i-inshurensi yemoto ukuba awunayo ilayisensi yokuqhuba:

Igama lomlawuli oyintloko onelayisensi

Ungongeza umntu kwipolisi yakho ukuba uhlala kwidilesi yakho, unelayisensi esemthethweni, kwaye unxulumene nawe.⁷Unokwabelana nomgaqo-nkqubo nomntu ohlala naye onelayisensi.⁸Abanye ababoneleli baya kukunika i-inshurensi yemoto ukuba ubiza umntu onelayisensi njengomqhubi ophambili. Abanye baya kufuna ukuba uzibandakanye njengomqhubi ongafakwanga ukuze xa usenza ingozi emva kwevili, inkampani yeinshurensi ayinaxanduva.⁹

Ngokubanzi, awungekhe wongeze umntu ongahlali nawe kwaye ongesalamane nawe kwipolisi yakho.⁷Kumalungu osapho ahlala kwiidilesi ezahlukeneyo, kungcono ukubiza inkampani yeinshurensi ukuze ibone oko kuvunyelweyo.

Yenza umqhubi onelayisensi abe ngumnini-nye

Ukongeza omnye umntu onephepha-mvume kwisihloko sesithuthi sakho sisisombululo esihle semoto ehlawulelweyo. Ngaphandle koko, uninzi lwababolekisi lubamba isihloko de imali mboleko ihlawulwe ngokupheleleyo, kwaye banokukucela ukuba ufumane imvume yabo yokongeza umnini-sibambisene nesihloko.¹⁰Nokuba umbolekisi uyakuvumela oko, ezinye iinkampani zeinshurensi zibonelela ngeinshurensi kumnini wemali mboleko.

Fumana umgaqo-nkqubo wemoto omileyo

Ukuba imoto yakho iza kuhlala kwigaraji okanye kwindawo yokugcina, unokukwazi ukuphelisa ukungqubana kunye noxanduva lokugcina uxanduva ngokugcina kuphela ingxelo ebanzi.^{Shumi elinanye}Olu khuselo lubonelela nge-inshurensi ngobusela, umlilo kunye nezinye iingozi ezinokwenzeka kwimoto egciniweyo. Nangona kunjalo, ngekhe ube nakho ukwenza olu tshintsho ukuba usaxhasa ngezemali isithuthi sakho kuba ababolekisi banokufuna ukuba uthwale izinto ezithile.^{Shumi elinanye}

Ngubani ofuna i-Inshurensi yokuZenzekelayo engenawo iPhepha-mvume?

Nazi ezinye iimeko ezinokufuna ukuba ube ne-inshurensi yemoto, nokuba awunayo ilayisensi yokuqhuba.

Ufuna umqhubi oza kukusa:

Usenokungakwazi ukuvuselela ilayisensi yakho ngenxa yexhala lezempilo, kodwa usafuna ukugcina itayitile yemoto egameni lakho ngelixa umqhubi ekusa apho ufuna ukuya khona. Ukuba ufumana ipolisi elungileyo, nokuba ngumntu owahlukileyo kunalowo uqhubayo, i-inshurensi iya kugubungela iingozi kunye nokwenzakala xa omnye umntu eqhuba kuba iipolisi zeinshurensi zilandela imoto, hayi umqhubi.¹Ukuba nomqhubi kwahlukile kunokubanomntu okuqhubayo ekhayeni lakho, ekusenokungafuneki ukuba ube neinshurensi (ngaphezulu koko kamva).

Ukongeza, onke amazwe afuna ukuba ubonise ukuba ungathatha uxanduva lwezezimali ngomonakalo okanye uxanduva xa kusenzeka ingozi emotweni eyeyakho.²Kungenxa yokuba iingozi zinokuxabisa intlawulelo yokumkani- iimoto ezigcina iimoto ezimbini zibiza umndilili weedola ezingama-9,000. Kuthekani ukuba kukho abonzakeleyo? Lo ngumndilili wama-23,000 eedola kumntu ngamnye owenzakeleyo. Ukuba umntu uyasweleka, loo milinganiselo inyukela kwi- $ 1.66 yezigidi.³

Yiba nabaqhubi abakwishumi elivisayo:

Umzali unokuthengela imoto umntwana wakhe ofikisayo, kodwa ufuna ukugcina ulawulo lwezomthetho lwesithuthi ade umntwana wakhe afike kubudala obuthile okanye utshintsho ukusuka kumqhubi wabafundi ukuya kwelayisenisi.

Unemoto endala:

Unokuqinisekisa i-inshurensi yakho okanye imoto ephezulu yokulwa nobusela.

Unelayisensi yokubambisa:

amanye amazwe afuna ukuba ufumane imvume yokufunda njengomntu omdala nangaphambi kokuba ufake isicelo sephepha-mvume.⁴Ezinye iinkampani zikuvumela ukuba ukhusele isithuthi sakho ukuba unelayisensi yexeshana kwaye uzama ukufumana ilayisensi yokuqhuba.

Ufuna ukuthintela umsantsa wokugubungela:

Ukuvala izithuba kunokunyusa amaxabiso akho einshurensi xa uthenga i-inshurensi kwakhona.⁵

Ilayisensi yakho yanqunyanyiswa okanye yachithwa:

Urhulumente okanye inkundla ingayalela ukuba kufakwe i-SR-22 okanye i-FR-44 ukuba ibuyiselwe iphepha-mvume lakho ukuba ibirhoxisiwe.⁶La maxwebhu ayangqina ukuba unayo i-inshurensi efunwayo ngumthetho kwimeko yakho. Ukuba ilayisensi yakho irhoxisiwe, usenokufuna i-inshurensi yemoto emisiweyo kuba imoto yotyalo-mali olukhulu. Iyavakala into yokuba uyikhusele ngelixa usenkathazweni yakho okanye ulinde ukudluliselwa komnye umntu.

Zeziphi iinkampani ezinikezela ngeinshurensi yemoto ngaphandle kwelayisensi?

Sibize abatshutshisi abahlanu kuzwelonke ngenkonzo yabathengi. I-State Farm kunye noLiberty Mutual basixelele ukuba sizakudinga iphepha-mvume lokuqhuba ukuze sifumane i-inshurensi yemoto kwiimeko ezahlukeneyo. Ukuqhubela phambili kunye noZwelonke babeneendlela ezimbalwa; Baye bathi, umzekelo, banokusinika i-inshurensi yemoto yomzali okhulileyo ongenaphepha-mvume ukuba omnye umntu wadweliswa njengomqhubi owongezelelweyo kwipolisi. U-Allstate usiyalele ukuba sithethe neearhente zalapha ekhaya ukuze sixoxe ngamathuba, kodwa siqinisekisile ukuba asinakufumana i-inshurensi yemoto nelayisensi yokubambisa.

Kungcono ukubiza iinkampani zeinshurensi ngokuthe ngqo ukubona ukuba bayayivumela na i-inshurensi kwimeko yakho. Awuyi kuba nakho ukufumana iikowuti ezichanekileyo kwi-Intanethi ngaphandle kwenombolo yelayisensi yokuqhuba.

Inyathelo 1: Tsalela umnxeba isebe lendawo ohlala kuyo lezithuthi ukuqinisekisa ukuba ngawaphi amaxwebhu oza kuwadinga ukuthenga imoto engenamaphepha-mvume.

Inyathelo 2: Fowunela i-inshurensi ezizenzekelayo ukuqinisekisa ukuba ufumana i-inshurensi kwaye ufumanise ukuba bafuna ntoni na.

Inyathelo 3: Fowunela umthengisi wakho wasekuhlaleni ubazise ukuba unomdla wokuthenga imoto ngaphandle kwelayisensi. Unokucelwa ukuba usebenze nomphathi wentengiso xa uthenga.

Ii-FAQs ze-Inshurensi yokuqhuba engagunyaziswanga

Ngaba abaqhubi abangenawo amaphepha-mvume bahlawulwa yi-inshurensi?

Abaqhubi abangenawo amaphepha-mvume abafakwa kwi-inshurensi yemoto. Ukuba uvumela umqhubi ongenaphepha-mvume ukuba asebenzise imoto yakho kwaye bafumana ingozi, ibango lakho liyakukhanyelwa. Ukuba ungumqhubi ongenazo iimpepha-mvume ofuna ipolisi ye-inshurensi yesithuthi sakho ongacwangcisanga ukuyiqhuba, enye indlela kukuthenga i-inshurensi yokuqhuba engenazo iimpepha-mvume.

Ndingafumana yiphi i-inshurensi yemoto ngaphandle kwelayisensi?

Unokwazi ukufumana ingxelo ebanzi ngaphandle kwelayisensi ukuba nje ubandakanya umntu onephepha-mvume njengomqhubi ophambili. Kuya kufuneka ukuba udweliswe njengomqhubi ongafakwanga kwimigaqo-nkqubo yeinshurensi yakho.

Ngaba ungabhalisa kwaye ukhusele i-inshorensi ngaphandle kwemvume?

Awunakho ukubhalisa imoto ngaphandle kwelayisensi kunye nobungqina beinshurensi. Ezinye iinkampani zeinshurensi ziya kuyigubungela imoto yakho nokuba awunayo iphepha-mvume, ukuba nje omnye umntu udwelisiwe njengomqhubi ophambili. Ukwenza oku, kuya kufuneka uhambise ngqo lo mntu emotweni yakho kwaye uzidwelise njengomqhubi ongafakwanga.

Ngaba bonke abaqhubi abanamaphepha-mvume bayayidinga i-inshurensi?

I-inshurensi ibotshelelwe kwiimoto hayi ebantwini. Zonke izithuthi kufuneka zikhuselwe nge-inshurensi. Ukuba unelayisensi kodwa awunayo imoto, awuyidingi i-inshurensi. Nangona kunjalo, kufuneka ibhengezwe kwipolisi yeinshurensi yalo naliphi na ilungu losapho ohlala nalo.

Kukho imigaqo-nkqubo ye-inshurensi engeyiyo eyakho onokuyithenga ebonelela ngetyala lokugubungela uxanduva nanini na uboleka imoto yomnye umntu okanye urenta imoto.

IVirginia neNew Hampshire yimimandla apho i-inshurensi yemoto ingafuneki.

Ndingayithenga imoto kwaye ndiyikhusele nge-inshorensi yomnye umntu?

Kuyenzeka ukuba ukhusele imoto ongayinayo ukuba umntu onemoto wongezwa njengenzala eyongezelelweyo kwipolisi. Ayingabo bonke ababoneleli nge-inshurensi ezizenzekelayo abanikezela olu khetho. Ukuba ucwangcisa ukuba nomnye umntu akhusele imoto yakho, unokufuna ukubiza imoto egameni lakho.

Ukuba ukhusela imoto yakho nge-inshorensi phantsi komgaqo-nkqubo womnye umntu, kufuneka uzenze zicace gca kwiinkcukacha ze-inshurensi yakho. Ngelixa omnye umntu angangumnini wepolisi oyintloko, kuyakufuneka avele kwipolisi njengomnye umqhubi okanye njengomqhubi okhutshelwe ngaphandle ngokukodwa (ukuba awucwangcisi ukuqhuba imoto). Gcina ukhumbula ukuba ayingabo bonke ababoneleli abaya kunikezela ukubhala ipolisi ye-inshurensi yabaqhubi abangenazo iimpepha-mvume.

Isishwankathelo:

Ukufumana i-inshurensi yemoto ngaphandle kwelayisensi ayinakwenzeka, kodwa kuya kufuneka unxibelelane nezinye iinkampani zeinshurensi ngaphambi kokuba ufumane ezisebenzelayo. Ukuba unee ngxaki neinshurensi yesizwe, iinshurensi ezincinci okanye zasekhaya ezijolise kwi-inshurensi engaqhelekanga zinokuzimisela ukunceda.

Imithombo yenqaku

1. IZiko loLwazi lwe-Inshurensi (III). Iintsomi ezi-8 malunga neinshurensi yemoto . Ukufikelela kokugqibela: Okthobha 9, 2020.
2. III. Ngaba kusemthethweni ukuqhuba ngaphandle kwe-inshurensi? , Ifikeleleke ngo-Okthobha 9, 2020.
3. IBhunga lezoKhuseleko kuZwelonke. Iindleko . Ukufikelela kokugqibela: Okthobha 9, 2020.
4. Indlu yowiso-mthetho yaseWashington. Isishwankathelo sikaRhulumente nguRhulumente: Iimfuno zokuFundiswa kwabaqhubi, ukuSuswa kwe-Intanethi kwi-Intanethi, iimfuno zePost-18 . Ukufikelela kokugqibela: Okthobha 9, 2020.
5. Ingcambu Iinshurensi Co Kwenzeka ntoni xa i-inshurensi yemoto iphela? , Ifikeleleke ngo-Okthobha 9, 2020.

Iziqulatho

• Ungayifumana njani i-inshurensi yemoto ngaphandle kwelayisensi?
• I-inshurensi yeA-Abana Auto
• I-inshurensi ezenzekelayo
• I-inshurensi yeDulcinea
• Igama lomlawuli oyintloko onelayisensi
• Yenza umqhubi onelayisensi abe ngumnini-nye
• Fumana umgaqo-nkqubo wemoto omileyo
• Ngubani ofuna i-Inshurensi yokuZenzekelayo engenawo iPhepha-mvume?
• Ufuna umqhubi oza kukusa:
• Yiba nabaqhubi abakwishumi elivisayo:
• Unemoto endala:
• Unelayisensi yokubambisa:
• Ufuna ukuthintela umsantsa wokugubungela:
• Ilayisensi yakho yanqunyanyiswa okanye yachithwa:
• Zeziphi iinkampani ezinikezela ngeinshurensi yemoto ngaphandle kwelayisensi?
• Ii-FAQs ze-Inshurensi yokuqhuba engagunyaziswanga
• Isishwankathelo:

• Ukuqhubela phambili i-inshurensi yemoto-yonke into ekufuneka uyazi
• Ixabisa malini ukupeyinta imoto?
• Ungayibhalisi njani imoto kwi-dmv
• Uyazi njani ukuba imoto ibiwe?
• Kubiza malini ukubhalisa imoto kwi-NY?
• Ngaba imoto exhaswayo ingabuyiselwa kumthengisi?