Ikhava Yomshuwalense Wasekhaya Wesikhashana Pretoria

Izinzuzo zokusebenzisa Services Car Insurance Calculator Services Ikhava Yomshuwalense Wasekhaya Wesikhashana ?

Ukuhlolwa kwamanani ezingozi eziboshwe kumuntu othize kusetshenziswa njengesisekelo semali ye-premium. Kubantu ababeka ingozi enkulu yokubandakanyeka engozini yezimoto, Ikhava Yomshuwalense Wasekhaya Wesikhashana  ku Pretoria inkampani yomshuwalense kungenzeka ukuthi ichithe imali ekuphenduleni isimangalo. Ngakho-ke, laba bantu abanamalungelo omthetho ngokuvamile bakhokhela inani eliyinhloko lemali eliphansi uma kuqhathaniswa nalabo abahlolwe ukuthi basengozini ephansi.

umshuwalense wesikhathi esifushane waseNingizimu Afrika

Nakuba abantu ababili bangase babe nohlobo olufanayo lwebanga lemoto nomholo, bangase bakhokhe i-premium ehlukile yabo umshwalense wemoto. Inani lizimisele ukusebenzisa umshwalense we-umshuwalense wemoto, okuyinto ithuluzi eliyigugu lomshwalense.

Ubani obungozi obukhulu?

Umnikazi imoto ebiza futhi enamandla ikhokha imali enkulu kakhulu kunomnikazi wesimiso esincane kusukela owake wangena engozini enkulu yokuba ukwebiwa kwemoto kunezokugcina. Abanikazi bezimoto abahlala ezindaweni ezinamazinga aphezulu olwaphulwa ubugebengu nazo zitholakala ukuthi zisengozini enkulu kunalezo ezihlala ezindaweni ezithule, zokuhlala. Okwamanje, abashayeli abasha babhekwa njengengozi enkulu uma kuqhathaniswa nabashayeli bezilwane ezindala, ngakho-ke labo abaneminyaka eminingi abanokuhlangenwe nakho kokushayela bathambekele ekukhokheni amaprimiyamu athibhile.

umshuwalense wesikhashana esincane kakhulu

Umdala omunye umshayeli onqunyiwe, futhi abashayeli abasha bacatshangwa ukuthi ingozi encane ngoba ayinakwenzeka ukuhileleka engozini yemoto. Ingxabano isekelwe emininingwaneni yemininingwane ebonisa ukuthi abashayeli asebekhulile abaye bavala isikhathi esiningi ngemuva kwesondo abakwazi ukubandakanyeka emikhankasweni yomgwaqo njengoba abashayeli abancane bekhona.

ikhava yomshuwalense wasekhaya wesikhashana

Umnikazi wemoto ofuna ukuvikela imoto enomgomo womshuwalense ingasebenzisa kahle imithombo ehlukahlukene ye-intanethi etholakalayo namhlanje ukuthola ukulinganiswa kwe-premium okufanele bayikhokhe.

Yiziphi izinsiza ezikhona ku-intanethi? 

Ukulinganiswa komshuwalense wemoto kusekelwe kwedatha yamanje, futhi kuyithuluzi eliwusizo labanikazi bezimoto abafuna ukuthola inqubomgomo engcono kakhulu futhi abangayithola. Kukhona amawebhusayithi anokwethenjelwa anikela ngezinsizakalo zomshuwalense wezimoto online. Lezi zindawo zisekela ukulinganisa nezibalo zabo kwisofthiwe yokuqapha umshuwalense wemoto eqoqa futhi ihlaziye idatha. Ingcebo yolwazi etholakala kulezi zindawo ingasiza abantu abacabangela ukuthenga inqubomgomo yomshwalense wemoto. Isibonelo, idatha yamanje yamaphesenti ajwayelekile akhokhelwa ngamaqembu ahlukene angatholakala. Ukunikezwa umqondo wokuthi kuningi okudingayo ukukhokhela umshuwalense wemoto kunika amandla umnikazi wemoto ekwenzeni ukukhetha.

umshwalense wesikhathi eside esifushane wemoto

Ukuthola ukuthenga okulungile 

Ukuba uhlobo olufanele lomshwalense luyisiketi sokuphepha sabanikazi bemoto. Umshwalense wemoto ophelele ungasindisa abantu imali. Lezi zinsuku, kunezinketho zenqubomgomo ezitholakalayo ukuze umnikazi wemoto athole kalula ukuthunyelwa okuhambisana nezidingo zakhe.

Amaqiniso Okuthakazelisayo Ngayo Ikhava Yomshuwalense Wasekhaya Wesikhashana ku Gauteng:

Mayelana Ikhava Yomshuwalense Wasekhaya Wesikhashana ku Gauteng:

Imisho yomshuwalense wemoto yesikhashana e-inthanethi

Umshuwalense wezimoto nge-SR22 noma u-FR44 ukuthunyelwa kuyadingeka emazweni amaningi abashayeli be-DWI noma i-DUI. Lolu hlobo lwenqubomgomo yomshuwalense wemoto lulungele ukuhlangabezana nokukhishwa kanye nezinye izidingo eziqondene nombuso ngamunye. I-SR22 ne-FR44 ngamagama amafomu asetshenziselwa ukubhala phansi futhi athumele (ifayela) ubufakazi bokulandela umshwalense. Lokhu ngokuvamile kuyisinyathelo sokugcina ngaphambi kokuba abashayeli abanecala bavuselele ilayisense yabo. Le nqubo ifana nomaphi lapho kukhona ukungezwani okuhlukile emazweni ambalwa.

Isinye isishayamthetho sesifunda sinquma izidingo, futhi uMnyango wezimoto eziqondene nawo uqondisa inqubo. Ngo-2007 no-2008 iFlorida neVirginia baqala ukwehlukanisa izinkolelo ze-DUI ngokusebenzisa i-Form FR44 kuphela, kuyilapho begcina ifomu le-SR22 kubo bonke abanye abashayeli bezingozi eziphezulu. Inqubomgomo ehambisana ne-FR44 ihlanganisa imingcele engu-$ 300,000 yemingcele eFlorida ngenkathi i-SR22 yayo idinga i-$ 30,000. EVirginia kuyi-$ 100,000 ye-FR44 ne-$ 50,000 ye-SR22. I-Texas yandisa imithwalo yemfanelo yabo yabashayeli be-DWI ngo-2011. Kusukela ngo-1980 abaamaMama ababhekene noDrunk Drivers (MADD) baye baletha lolu daba phambili futhi bathi basabela ngokwenza njalo ukuze banqande ukuphuza nokushayela.

ukujwayela ukuvimbela kuye kwavela ngenxa yomnotho onesizotha ngenxa yokuphoqelela ukusebenza. Abomasipala basekhaya futhi bathi ngemali eyanciphayo bafuna ngamandla abaqhubi ukuba baqoqe izinkokhelo nemali. Izidingo ezengeziwe zokuphatha nokubhala phansi (ukuqinisekiswa), ukuqinisa ukuvinjelwa, cishe kuzoqhubeka yizizwe eziningi. Ukungafani okwamanje okuphakathi kwamanye amazwe amakhulu kubandakanya iKalifornia neFlorida benenkathi yokulandela iminyaka engu-3 neTexas 2. INew York, North Carolina, iDelaware, Kentucky, Minnesota, New Mexico, Oklahoma nasePennsylvania ayidingi ngokuphelele i-FR44 noma i-SR22. Ukuthola izidingo eziqondile lapho uhlala khona kubaluleke kakhulu ekuqinisekisweni kwenqubomgomo yokubuyisela ilayisense. I-Florida neVirginia, yiziqu ezimbili kuphela ezidinga inshuwalense ye-FR44 kubaqhubi babo be-DUI baye bazuza kakhulu kuloluhlelo. Ngenxa yezizathu eziningi ukuthi umshuwalense wemoto ka-FR44 uyinzuzo kubo bonke abantu, kuhlanganise nomnikazi wezinqubomgomo. Zonke zinezibalo ezingu-0.08 ze-blood alcohol njengemikhawulo ejwayelekile yomthetho. Ngokufanayo, umshuwalense we-FR44 we-DUI abashayeli bangaba yisimiso kuzo zonke izifunda ngenxa yokuphumelela kwawo eFlorida naseVirginia.

Izinqubomgomo zomshuwalense wemoto kusuka nomaphi lapho uhlala khona ne-DUI, DWI, FR44 noma i-SR22 yizo zonke okufanayo. Kodwa-ke, umehluko kubalulekile ekutholeni ilayisense yakho iphinde ivuselelwe nokuthi ukhokhela kangakanani. Gcina izidingo ezingqondweni ziguqula njalo abashayeli abanecala. I-agent yomshuwalense ozimele ozimele, onikezwe ilayisense kumbuso wakho, angachaza izidingo ezifanele ezidingekayo nokuthi uzobiza kangakanani. I-ejenti efanayo ingaqala inqubo ngokuqedela, ukubopha, nokuhambisa isicelo kwinkampani yomshuwalense. Ifomu le-SR22 noma le-FR44 livame ukukhiqizwa endaweni yokudayiswa, futhi ithunyelwe ngekhompiyutha njengoba kudingeka eFlorida. Ikhophi ephindwe kabili inganikezwa umfakisicelo futhi ihanjiswe ku-DMV ukuze ivuselele ukuvuselelwa kwelayisense.

Ikhava Yomshuwalense Wasekhaya Wesikhashana ku Gauteng

umshuwalense wesikhashana esakhiwe ekhaya

Umshuwalense wezinto zonke useduze nathi njengomhlambi wezinyosi. Kudingeka sithathe okulungile noma mhlawumbe singalunywa kakhulu. Kungakhathaliseki ukuthi yimiphi imikhiqizo oyibizayo kukhona umshuwalense. Kusuka emotweni encane eya endlini enkulu ihlanganisa yonke into. Manje esimweni esinjalo kuba okubalulekile ukulandelela abahlinzeki bomshuwalense wangempela. Sonke sivame ukuzwa ukuthi izinkampanini zomshuwalense ezihlukahlukene zinikeza abantu abanezingcaphuno zemincintiswano zomshuwalense ngokuqhathaniswa okuphelele, ngamazinga aphansi e-premium. Nakuba kungase kuzwe kulula kodwa akuyona into eqinisweni, kunezinto eziningi okufanele uzibheke ukuphepha kwakho. Ngokwesibonelo, izinkampani zomshuwalense azinikezeli inqubomgomo efanayo namakhasimende amabili ahlukene. Ngakho, abathengi kumele bahlole izinkampanini zomshuwalense wemoto nezinqubomgomo zabo zokuba nenqubomgomo engcono kakhulu yomshuwarensi etholakala khona kuwebhu. Omunye udinga ukuqhathanisa umshuwalense wemoto ngale njongo. Kuphela emva kokuhlolwa okuphelele kwezici zemibango ehlukahlukene yemoto eyodwa kufanele ihambisane phambili. Lokhu kungamvumeli ukuthi asebenze kahle, kodwa futhi kumenze aqaphele ezinye izinto ezibhekene nokubheja. Umuntu uyaqiniseka ukuthi ahlale kude nomshuwalense wemoto eshibhile uma ekwazi amadili angcono, ngemuva kokuqhathanisa konke okukhethwa kukho emakethe. Udinga nje ukuyeka isikhathi sakho sosuku nosuku ukwenza lokhu futhi ekugcineni uyenzela okuhle kuwe. Lezi zonke zicacisa ngokucacile isizathu sokuqhathanisa ukuqinisekiswa kwemoto ngaphambi kokukhetha eyodwa.

Ukwenza yonke inqubo yokuqhathanisa ukuthi udinga ukwazi ukuthi ungenza kanjani ukuqhathaniswa kwemali yokuphepha kwemoto. Okokuqala hlola ubuqiniso benkampani. Ubunikazi benkampani nokwethembeka kuboniswa isevisi yamakhasimende. Zama ukuthola ukuthi zinhle kangakanani ezindaweni zokumangala. Bheka ukuthi umshuwalense wakho uhlanganisa imoto engaphezu kweyodwa ngaphansi kwenqubomgomo eyodwa. Eziningana zalezi zinqubomgomo zinikeza amazinga aphansi e-premium ama-insured amabili anakekelwa ngaphansi kwenqubomgomo eyodwa. Qhathanisa izindleko zomshuwalense wemoto kanye nobubanzi bezinqubomgomo ezehlukene. Isibonelo, izinqubomgomo ezehlukene zinemikhakha ehlukene, njengokungena kwezokwelapha kanye nekhava eliqashisayo. Abathengi ngokuvamile bangathola izici ezithile zisuswe kuwo noma bakhethe enye inqubomgomo ngezinga eliphansi. Into elandelayo ebalulekile okudingeka ukwenze iqhathanisa ama-deductibles. Ngokusekelwe kuzidingo zakho, khetha inqubomgomo ngama-premium aphansi kanye ne-deductibles ephakeme, noma ngokuphambene nalokho. Zama ukunquma ukutholakala komshwalense wemfanelo. Buza ukuthi izinga luni lokubhalela labo abangekho abashayeli abaphephile.

Okulandelayo udinga ukwazi ukuthi kufanele uqhathanise kanjani izinkampanini zomshuwalense wemoto ezahlukene. Yenza ucwaningo oluningi ngokubaluleka kwamakethe athile kanye nokuvumelana kwezezimali. Lokhu kukuvumela ukuba ulandele abaholi bemakethe yangempela kusuka kulo lonke i-lot. Qaphela ukubuyekezwa kwabanikazi bezinqubomgomo namakhasimende ukuthola umbono omuhle mayelana nenkonzo yamakhasimende yomshuwalense. Ngokubheka wonke lawa maphuzu uzokwazi ukuthi ngabe wenze iphutha ukukhetha inkampani yakho. Konke lokhu kufaka isicelo somshuwalense wekhaya. Ngakho-ke, udinga ukuqhathanisa umshuwalense ekhaya futhi.

Car Insurance With SR22 noma FR44 Ngemuva kwe-DWI noma i-DUI Yokuthola Ilayisensi

umshwalense wemoto yesikhathi esifushane

Izinqwaba zezinkampani zomshuwalense wemoto nezinqubomgomo zanele ukudidanisa noma ubani, akeke ululaze noma uphendule imibuzo elula ebuzwa njalo. Lezi zinkomo, izincazelo eziyinkimbinkimbi nezinqubo kuphela ziphoqa izinto ngokuqhubekayo. Imibuzo engadingekile ayisaphenduliwe abaningi bethu futhi ngenxa yalokho asihluleki ukuthola izinzuzo ezithile ezifanele kithi.

Nasi isethi yokuqala yazo.

Ingabe mina kudingeka uxhumane namaphoyisa endaweni yengozi?

Yebo yebo. Uzodinga amaphoyisa endaweni leyo ngaphandle kokucacisa umgwaqo noma ukuhlela usizo lwezokwelapha. Amaphoyisa afaka umbiko wengozi ebeka isisekelo sezimangalo zakho nenkampani yakho yomshuwalense. Lo mbiko obalulekile uqukethe ulwazi ngezimoto / izakhiwo ezimele, abashayeli kanye nomshuwalense wamaqembu abathintekayo. Ngaphandle kwalokhu umbiko ungayithola umsebenzi wokukhuphuka ukuze uqinisekise inkampani yakho yomshuwalense. Manje, awukwazi ukugcizelela ukubaluleka kwawo uma kwenzeka impikiswano noma icala.

Ungathola umbiko we-quasi obizwa ngokuthi umbiko wesigameko samaphoyisa uma isiphathimandla esingahambi khona sinamandla.

Kwenzekani emotweni yami uma sebiwe?

Uzohlawuliswa ngokuqinisekile uma unesiko elifanele futhi imoto ibonakala ingatholakali; kodwa okokuqala, kunezinto ezimbalwa okumele uzenze ngokushesha. Bika esiteshini samaphoyisa esiseduze bese uthola inombolo ebizwa ngokuthi inombolo yecala lobugebengu. Xhumana nomeluleki womuntu siqu wezinkampani zakho zomshuwalense ngale namba. Yilokho kuphela; futhi kusuka lapha, inkampani izohlola amarekhodi abo futhi ilandelele nawe kanye namaphoyisa njengoba futhi kuyadingeka ngaphambi kokuba bahlole ukulahlekelwa kwakho ngokuqoka umhloli wokulahlekelwa.

Inkampani yami yomshuwalense iqhubeka umlungisi kodwa ngiyazi ngomshini ongcono. Yini okufanele ngiyenze?

Inkampani yakho yomshuwalense ayikwazi ukukuphoqa kule nkinga; kodwa inkampani inezikhundla ezithile zokulondoloza. Le nkampani ifaka izindleko zokulungisa kuphela umkhawulo wemali ehlolwe ngumhleli noma umhloli wokulahlekelwa; ngakho-ke noma yimaphi inani lokulungisa elidinga ukudingwa nguwe. Okulandelayo, uzokhipha ilungelo lokubiza isimangalo sokukhanda uma umshini wakho okhethwayo engabhalwanga nenkampani yomshuwalense.

Ngenze ingozi izinyanga eziyisithupha ezedlule. Ngingakwazi yini ukufaka umonakalo manje ngaphansi komshuwalense ophelele?

Kumelwe ukuba uye wadukiswa ukuthi ukwenza isimangalo kuzokwandisa i-premium yakho yomshuwalense - okuwukuphela kweqembu eliyiqiniso - noma ngabe ulindele ukulungisa ngezindleko zakho ukuze usindise kubhonasi ayikho isimangalo. Kungakhathaliseki ukuthi kwenzekani, ngeso lengqondo unelungelo lokumangalela manje kodwa iqiniso liwukuthi kufanele ukwazi ukufakazela ngokucacile ukuthi isimangalo siyiqiniso okuyinto enkulu yokubuza ngokushesha futhi engenakho ubufakazi. Lokhu kusalokhu kunzima uma ushaya insika yokupaka ebusuku futhi iphaneli lomnyango lilimazekile lapho kungekho muntu owayebukele. Ekugcineni, isimangalo sakho ngeke sibe, ngenxa yokuthi kungenzeka, sivunyelwe ngenxa yesizathu esisodwa esingabonakali - umshuwalense wakho wokubhalisa umshuwalense akanakho indlela yokumangalela le ndleko.

Imoto yami ukulahlekelwa okuphelele. Yini ezoba imali yami yokuhlala?

Kukhona izimo ezimbili lapha. Okokuqala, unesembozo sezindleko zokufaka esikhundleni. Lokhu kukukhokhela ukuthenga imoto entsha efana nelahlekile yakho. Uma ungenayo lokhu kukhishwa, ukubuyiselwa kwakho kuyoba inani elilingana nenani lemali ngaphambi kwengozi. Ungathenga imoto esetshenzisiwe efanayo nale mali.

umshuwalense wesikhashana esakhiwe ekhaya