Izingcaphuno Zemishuwalense Yemoto Johannesburg

Umshuwalense wemoto uyinto ebaluleke kakhulu kubo bonke abanikazi bemoto, kungakhathaliseki ukuthi bangaphi. Wonke amagesi kahulumeni anezidingo zawo siqu. Kunezinye izidingo ezidingekayo abashayeli ukuze bakwazi ukuthenga umshwalense futhi bakwazi ukushayela ngaphandle kokungena enkingeni. Futhi, umshuwalense wemoto ungase ube yinto ebiza kakhulu futhi eyinkimbinkimbi. Abashayeli abaningi bazithola besebenza futhi abaziqondi izimo eziphuthumayo ezihlanganisiwe. Kubalulekile ukukhuluma nochwepheshe mayelana neminye yomshuwalense, Izingcaphuno Zemishuwalense Yemoto ku Johannesburg kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

umshuwalense wesikhashana esincane kakhulu

Impahla kanye nemfanelo 

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, Imali Yomshuwalense Wemoto Iqhathanisa Inthanethi umthwalo wemfanelo uzokufihla umnikazi wemoto ngazo zonke izizathu ezinjengezinhloso zokulimaza noma ukunganaki. Umshuwalense womhlaba, ngakolunye uhlangothi uhlanganisa noma yimuphi umonakalo owenzelwa emotweni yakho noma umonakalo owenziwe kwenye imoto.

izingcaphuno zomshuwalense wesikhathi esifushane

Kubantu abacebile, banomshuwalense omkhulu wemfanelo ngoba kunamathuba amaningi angase athole isinqumo. Isikhathi esiningi, laba bantu bayakwazi ukulungisa izimoto zabo uma kwenzeka kwenzeka ingozi.

Imingcele kanye nemingcele yokunciphisa 

ingachazwa njengesikhulu inani lemali ukuthi inkampani yomshuwalense ingakhokha zonke izicelo zenqubomgomo. Ezinkontileka eziningi, uzothola ukuthi kukhona ukubekwa kwemingcele kokubili kokuphela. Ngezinye izikhathi imikhawulo yempahla kanye nemfanelo ingasethwa. Uma imingcele iphansi, ama-premium aphansi futhi ngokuphambene.

umshwalense wesikhathi eside esifushane wemoto

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, Ukucaphuna Komshwalense Wemoto kunesidakamizwa kuzo zonke izenzakalo kanye nayo yonke inqubomgomo. Uma i-deductible iphakanyiswa, ama-premium ahla.

Imigqa yokugqoka 

Ezimweni eziningi, umuntu oqinisekisiwe uyadingeka ukuba abe nemigqa yokugcizelela. Kunezinketho eziningi ongakhetha kuzo. Ungakhetha ukukhetha ukubekwa uma kwenzeka ushayela enye imoto. Kukhona futhi inketho yokwengeza abanye kwinqubomgomo. Ukufakwa kwezenhlalakahle kungakhethwa futhi ngenxa yokweba izingxenye zemoto noma imoto.

izindleko zomshuwalense wesikhathi esifushane

Ukutholakala kwezimoto ezingekho emshwaleni kuvamile kakhulu. Yilapho abashayeli abangaqinisekisiwe bahlanganiswa khona. Lokhu kusebenza kahle uma kwenzeka ingozi kanti enye inhlobo ayinayo umshuwalense odingekayo.

Uma kuqhathaniswa nezinkampani 

Eziningi zezivumelwano Kuhlobene nemoto kunemininingwane efana kakhulu. Futhi, izinkampani zomshuwalense wemoto zingahluka kakhulu komunye nomunye. Uma ukhetha inkampani enkulu, izinsizakalo zizobe zihle kakhulu. Uzosebenzisa amazinga angcono nokubhalwa.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

Ukubuyekezwa kungasiza kakhulu ekwenzeni izinqumo. Ungacela umndeni wakho nabangane noma uhlole amabhizinisi ebhizinisi lendawo. Ungenza ukufanisa ngokusekelwe kokulinganisa abakujabulela. Kunezinhlelo ezahlukene ezibekiwe ukuze kuqhathaniswe nezinkampani ezahlukene. Uma ukulinganiswa kuhle, khona-ke uzokwazi ukuthi inkampani izwakala ngokwezimali.

izingcaphuno zomshuwalense wesikhathi esifushane

Izingcaphuno Zemishuwalense Yemoto ku Johannesburg ?

umshuwalense wesikhathi esifushane waseNingizimu Afrika

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.

Inqubomgomo Yomshuwalense Wezimoto

umshwalense wemoto omfushane wesikhathi esingakanani

Umshuwalense wemoto uyinto ebaluleke kakhulu kubo bonke abanikazi bemoto, kungakhathaliseki ukuthi bangaphi. Wonke amagesi kahulumeni anezidingo zawo siqu. Kunezinye izidingo ezidingekayo abashayeli ukuze bakwazi ukuthenga umshwalense futhi bakwazi ukushayela ngaphandle kokungena enkingeni. Futhi, umshuwalense wemoto ungase ube yinto ebiza kakhulu futhi eyinkimbinkimbi. Abashayeli abaningi bazithola besebenza futhi abaziqondi izimo eziphuthumayo ezihlanganisiwe. Kubalulekile ukukhuluma nochwepheshe mayelana neminye yomshuwalense, kodwa kukhona okuyisisekelo ukuthi wonke umuntu ofuna umshuwalense wemoto kufanele aqonde.

Impahla kanye nemfanelo

Ngomshwalense wemoto yomshuwalense, ngokuvamile kunezinhlobo ezimbili zezicelo ongayithola futhi ziyimpahla kanye nemfanelo. Ngokuvamile, umthwalo wemfanelo uzokufihla umnikazi wemoto ngazo zonke izizathu ezinjengezinhloso zokulimaza noma ukunganaki. Umshuwalense womhlaba, ngakolunye uhlangothi uhlanganisa noma yimuphi umonakalo owenzelwa emotweni yakho noma umonakalo owenziwe kwenye imoto.

Kubantu abacebile, banomshuwalense omkhulu wemfanelo ngoba kunamathuba amaningi angase athole isinqumo. Isikhathi esiningi, laba bantu bayakwazi ukulungisa izimoto zabo uma kwenzeka kwenzeka ingozi.

Imingcele kanye nemingcele yokunciphisa

ingachazwa njengesikhulu inani lemali ukuthi inkampani yomshuwalense ingakhokha zonke izicelo zenqubomgomo. Ezinkontileka eziningi, uzothola ukuthi kukhona ukubekwa kwemingcele kokubili kokuphela. Ngezinye izikhathi imikhawulo yempahla kanye nemfanelo ingasethwa. Uma imingcele iphansi, ama-premium aphansi futhi ngokuphambene.

Ngakolunye uhlangothi, ukukhishwa imali kungukuthi uzodinga ukuzixazulula ngaphambi kokuba inkampani ithathe isimangalo. Esimweni esinjalo, kunesidakamizwa kuzo zonke izenzakalo kanye nayo yonke inqubomgomo. Uma i-deductible iphakanyiswa, ama-premium ahla.

Imigqa yokugqoka

Ezimweni eziningi, umuntu oqinisekisiwe uyadingeka ukuba abe nemigqa yokugcizelela. Kunezinketho eziningi ongakhetha kuzo. Ungakhetha ukukhetha ukubekwa uma kwenzeka ushayela enye imoto. Kukhona futhi inketho yokwengeza abanye kwinqubomgomo. Ukufakwa kwezenhlalakahle kungakhethwa futhi ngenxa yokweba izingxenye zemoto noma imoto.

Ukutholakala kwezimoto ezingekho emshwaleni kuvamile kakhulu. Yilapho abashayeli abangaqinisekisiwe bahlanganiswa khona. Lokhu kusebenza kahle uma kwenzeka ingozi kanti enye inhlobo ayinayo umshuwalense odingekayo.

Uma kuqhathaniswa nezinkampani

Eziningi zezivumelwano Kuhlobene nemoto kunemininingwane efana kakhulu. Futhi, izinkampani zomshuwalense wemoto zingahluka kakhulu komunye nomunye. Uma ukhetha inkampani enkulu, izinsizakalo zizobe zihle kakhulu. Uzosebenzisa amazinga angcono nokubhalwa.

Ukubuyekezwa kungasiza kakhulu ekwenzeni izinqumo. Ungacela umndeni wakho nabangane noma uhlole amabhizinisi ebhizinisi lendawo. Ungenza ukufanisa ngokusekelwe kokulinganisa abakujabulela. Kunezinhlelo ezahlukene ezibekiwe ukuze kuqhathaniswe nezinkampani ezahlukene. Uma ukulinganiswa kuhle, khona-ke uzokwazi ukuthi inkampani izwakala ngokwezimali. inqubomgomo yomshuwalense wesikhathi eside

 


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Gary Bailey Yiba Izingcaphuno Zemishuwalense Yemoto Uhlu

Izingcaphuno Zemishuwalense Yemoto Gauteng

Izinzuzo zokusebenzisa Services Car Insurance Calculator Services Izingcaphuno Zemishuwalense Yemoto ?

Ukuhlolwa kwamanani ezingozi eziboshwe kumuntu othize kusetshenziswa njengesisekelo semali ye-premium. Kubantu ababeka ingozi enkulu yokubandakanyeka engozini yezimoto, Izingcaphuno Zemishuwalense Yemoto  ku Johannesburg 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.

Ukuqhathaniswa komshwalense wesikhathi esifushane

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.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

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.

Imoto yomshuwalense wesikhathi esifushane ukuqhathanisa

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.

izindleko zomshuwalense wesikhathi esifushane

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 Izingcaphuno Zemishuwalense Yemoto ku Pretoria:

Mayelana Izingcaphuno Zemishuwalense Yemoto ku Pretoria:

umshuwalense wemoto yesikhashana

Njengezinqamu zeqhwa nesiraphu ye-maple, umshuwalense wemoto uyisici esibalulekile se-Canadian experience. Akuwona wonke amazwe adinga ukutholakala komshuwalense ngomthetho njengoba kwenza iCanada; umqondo wentela ye-petroleum ekhokhelwayo njengenkokhelo iye yacatshangwa njengengxenye yomshwalense wemoto ovamile kwezinye izindawo. Kodwa, kungakhathaliseki ukuthi kunesidingo salo, ukutshala imali enkonzweni akukaze kube yisinqumo esibi. Umshuwalense ungasindisa abashayeli emithwalweni yomnotho yomgwaqo ongenakwenzeka: izingozi. Kwenzeka kuwo wonke umuntu, kungakhathaliseki ukuthi uhlangene nakho noma ikhono lakhe. Ukushayela, njengokunye okunye okuyingxenye yokuphila komuntu, ngokwemvelo kuncike ekuphutheni komuntu.

Ngisho nomshayeli oqhutshwa kakhulu angaphazanyiswa imvelo yethu yanamuhla yokushayela. Ngomshuwalense onokwethenjelwa, ukuphepha kwezimali kuyinto encane yokukhathazeka ngayo. Phakathi komsakazo, amabhodi kanye nabantwana abangenandaba nabangqongqoza ngemuva, emaminithi ambalwa emgwaqweni anganikeza izindlela ezingaphezulu zokuguqula ukunakwa komuntu kunamahora ambalwa phambi kwethelevishini. Konke okudingekayo kuyimithi eyodwa engalungile ngosuku oluhle noma ukuhlolwa kwehlombe elinganakiwe ukuze kubangele izinkulungwane zamadola ngokulimaza impahla yakho noma impahla yabanye. Uma intengo yengozi ingaphezu kwemali yemoto eyabangela, umshuwalense wemoto ungasindisa umshayeli ekubhujisweni kwezezimali. Ukuvikeleka kwenqubomgomo enhle kuvimbela abashayeli ngezindlela zesikhwama sezindiza esingenakwenzeka.

Ukuvikelwa ukuthi umshuwalense unikezela kubaluleke kangangokuba sekuye kwadingeka ukuba wonke umuntu waseCanada onethemba lokuthi uzobuya ngemuva kwesondo. Kodwa ezinye izifundazwe zinika abashayeli ithuba lokuzikhethela ukuthi umshuwalense wabo wemoto uhlinzekwa yini. Ukusebenza kusadingeka kodwa izinqubomgomo zingenakwenzeka. Ikhono labashayeli lokulawula izinqubomgomo zabo nokuvota akuyeki nenkampani noma. Amanani omshuwalense wemoto athathwe yizici eziningi. Nakuba ezinye zalezi zinto zingaphandle kwamandla omshayeli, njengaminyaka yobudala nobulili, kusekhona izinqumo eziningi abangayenza ukuze banciphise amazinga abo. Ukukhetha imoto ephephile, ukushayela amabanga amancane nokuthola amathikithi ambalwa yizinto zonke abashayeli abakwazi ukuzenza ukuze bagcine izinga lemishwalense yabo yemoto ngangokunokwenzeka.

Abanye abashayeli, ikakhulukazi abasha, bayaqaphela amazinga ahlukene- ukukhokha imali ehlukene yokuba abantu abahlukile. Izinkampani zomshuwalense nakuba zingekho abaphangi noma abazuzi. Bazama nje ukwenza amanani omshwalense wemoto ngendlela enhle ngangokunokwenzeka. Imoto eshiya igaraji kabili ngesonto ingenakwenzeka ukuba ibe nengozi kunomunye oshiya kabili ngosuku. Isiteshi esiteshini esincane esilungisa ukulungisa kunemoto yemidlalo engenayo. Wonke umuntu unemikhuba ehlukene yokushayela ngakho-ke kulula ukuba babe nemigomo yomshuwalense wemoto. Ukuthola inqubomgomo yomshuwalense wemoto kungaphezu kokwenza isivumelwano; kungukuqala kobudlelwane obungasiza umshayeli ngezikhathi ezimbi kunazo zonke.

Kwezinye izifundazwe eCanada, lapho abashayeli banamathuba amaningi kangaka mayelana nomshuwalense wabo wemoto, noma yiluphi ulwazi oluthe xaxa lungase luphele ukulondoloza umshayeli wemoto okhokhelwa izinkulungwane zamadola. Kukhokhwa ukwaziswa, ngokoqobo. Inqubomgomo efanele ingakugcina uphephile lapho kungenjalo okunye, kungakhathaliseki ukuthi usekuphi Canada.

Izingcaphuno Zemishuwalense Yemoto ku Pretoria

Umshwalense wemoto omfishane oqhubekayo

Imishanguzo yomshuwalense ibalwa ngokwezinto eziningana zobungozi. Lezi yizici ezikhonjiswe yinkampani yomshuwalense njengoba cishe kunomthelela kulabo abathintekayo ababhekele ingozi. Umshuwalense uyindleko ebalulekile ehlotshaniswa nento eqinisekisiwe futhi akufanele igijimele. Kuhlale kungumqondo omuhle ukuthenga nxazonke ukuze uthole intengo engcono kakhulu. Imishanguzo yomshuwalense izohluka kakhulu kusuka kumshuwalense kuya kumshuwalense ukwenza umsebenzi wesikole sakho.

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Bheka izinkampanini ezahlukene zomshuwalense oyithandayo futhi uzibuze for quote. Bangakwazi ukukunikeza ukulinganisa okubi kakhulu futhi izingcaphuno eziqondile nakakhulu kufanele futhi zenzeke uma unikeza imininingwane eyengeziwe futhi ulinde. Kufanele futhi ubheke ama-insurers ku-intanethi futhi uthole izingcaphuno ezisheshayo kusuka kuwebhusayithi yazo. Lena indlela esheshayo futhi ephumelelayo yokuthenga ezungeze. Uzothola umbono omuhle walokho amanani okufanele alindele. Ungase futhi uhlole amawebhusayithi wekhothethi ukuze ubone ukuthi yithinta kanjani inani lakho lentengo uma ukhetha izinketho ezahlukene. Ngayo yonke imigomo yomshuwalense uzoba nenani lezinketho ezithinta intengo yenqubomgomo.

Ngakho-ke kufanele ucabange ngalokhu okukhethwa kukho futhi uma kukhona izingozi ongafisi ukumboza bese uvumela umshuwalense azi njengoba i-premium yakho kufanele ishibhile.

Kufanele uzame futhi ukuqinisekisa ukuthi awuqinisekisi kabili. Kuyisimiso somshuwalense ongeke uzuze kulokho okwenzeka kumcimbi we-insured. Ngakho awukwazi ukukhokhelwa kabili ngisho noma unezinqubomgomo zomshwalense ezimbili. Ngakho-ke uma ngabe ingozi isivele ihlanganiswe inqubomgomo eyodwa, iphinda uvumele umshwalense wakho azi ukuthi angasusa ekubalweni kwawo.

Izinto

Imali yomshuwalense wezimoto ngokuvamile kuxhomeke ezintweni ezifana nokuthi yiluhlobo luni lwemoto oshayela ngayo, ingakanani ubudala, ukuthi injini inkulu kangakanani, yenzani futhi imodeli? Uhlobo luni lomshuwalense oludinga futhi ludlala indima, udinga kuphela umthwalo wemfanelo, noma ophelele? Ngabe uzosebenzisa kanjani imoto, isibonelo uzobe uhamba uye emsebenzini nokuthi uhlela amamitha amangaki ukushayela?

Umlando wakho wokushayela uzoba isici esiqinile ekunqumeni ingozi yakho , futhi okuxhunyaniswe nalokhu kuyoba yinkathi yomshayeli, kanti abashayeli abasha bebesengozini yokubandakanya engozini. Uma usemusha, ubulili bakho buzoba yingozi ebalulekile, kodwa uma ubulili obudala ngokuvamile buba bubi kakhulu.

Umshwalense Wokuzivocavoca Pump

izinhlelo zomshuwalense wesikhathi esifushane

Iyini Umshuwalense We-Auto?

Umshuwalense wokuzenzekelayo ungumkhiqizo owathengiwe futhi ongakhokhela umonakalo wemoto yakho noma izimoto zabanye uma kwenzeka umonakalo wemoto noma umonakalo ohlobene nengozi . Umbuso ngamunye unemithetho yawo ngokuphathelene nomshuwalense wemoto ukuthi umuntu ngamunye kufanele akwazi ukushayela ngokomthetho. Izici eziningi ezihlukahlukene zithinta amazinga omshwalense wemoto, futhi. Ayisho ngisho nasezinkampanini ezihlukahlukene; kufike embonini yomshuwalense ukunquma ukuthi yimuphi umshuwalense wemoto nokuthi umuntu ngamunye uzokhokhela kanjani ukukhokhelwa ngokuzenzakalela.

Iyini umshuwalense wemoto? Kubonakala sengathi umbuzo oyisisekelo. Kodwa-ke, kunezici eziningi nezakhi ezihlukahlukene okufanele zicabange ngomshuwalense wemoto ukuthi ungaba nzima kakhulu uma ungekho olungiselelwe lokho okungena kuwo. Udinga ukwazi ukuthi amanani akholwa kangakanani ukuthi yiziphi izinhlobo zokubheka itholakale, kungakanani okudingekayo noma ungathola, nokuthi yiziphi izinkampani ezinikeza umshwalense wezimoto ezihamba phambili ngezidingo zakho.

Ngabe I-Auto Insurance Cover?

Umshwalense wokusebenzisa umshini usetshenziselwa ukukuvikela umuntu noma ibhizinisi noma inhlangano ekulahlekelweni kwezimali mayelana nemoto. Ukulahlekelwa ngokwezimali kungenzeke ngenxa yezizathu eziningi, futhi ukuba nomshuwalense wezimoto kungakufihla ukulahleka kwakho ngezindlela ezihlukahlukene.

Ukubangela Ukulimala Kwempahla

Umsebenzi umonakalo wendawo uhloswe ngokumelene nomonakalo wena noma umuntu oshayela imoto yakho ngemvume yakho kwenzalo yomunye umuntu. Izindleko zingabandakanya enye imoto, izingodo zomsebenzi, izicingo, izakhiwo, amakhaya, amabhizinisi, noma cishe noma yiluphi uhlobo lwesakhiwo semoto yakho ethinta.

Ukuhlangana < Ukubambisana ngokubambisana kuvame ukuvikela imoto yakho ekulimazeni okubangelwa ngengozi eminye imoto, i-pothole, imoto igxuma ngaphezulu, njll. Ukuqoqwa kokubambisana kuzokukhokhela ukulungisa imoto yakho, noma uma imoto yakho ibonakale engozini, iyokubuyisela ukubaluleka kwemoto ukukhipha ukukhishwa kwezimali futhi kwezinye izimo nezinye izindleko.

UKUFAKA UKUHLELA E-USA

Umshuwalense we-Auto kuyadingeka, futhi lokhu kubonakala ngokucacile ukuthi wonke amazwe athi wase-USA uye wenza ukuba kube nomshuwalense wemoto kuzo zonke izimoto. Esikhathini esiningi, lokhu kubonakala sengathi kuyisivivinyo sokukhathazeka, kodwa kungani ulinde uze uhlanganyele engozini ukuthola ukuthi ukuthatha ikhava yemoto kunakekela kanjani izimpahla zakho nawe. Izindleko eziphezulu zezokwelapha nezokugwetshwa kwezigwegwe ekukhuphukeni kwenza kube kuhle ukuzivikela wena nemoto yakho eyigugu ngemoto yomshuwalense. Ngaphezu kwalokho, zonke iziphathimandla zenze kube nzima ukuba nezinhlelo ezimbili zemishuwalense yemoto - uhlelo olungekho-iphutha , kanye nesistimu ye-Tort. Uhlobo lwangaphambili lomshuwalense ohlonishwayo emazweni amaningi lusho ukuthi umshuwalense wakho uyokhokhela izicelo zokulimala kungakhathaliseki ukuthi ubani obangela ingozi empeleni. Inani elikhokhwa lifike kumkhawulo ocacisiwe, futhi uma uhilelekile engozini, umphathiswa wakho unecala lokukhokha ukulimala. Ngokumelene nalokhu, uhlelo lweTort kulindeleke ukuthi iqembu elimele lizinakekele izindleko zezokwelapha kusuka epaketheni labo bese libiza kumuntu ophethe umshuwalense othintekayo njengempindiselo.

Inani lezingozi kanye nokweba kwenzeka ikakhulukazi e-USA, kubalulekile ukuba wonke umnikazi wemoto athenge leyo nzuzo yomshwalense ukuze aqinisekise kokubili imoto kanye nomnikazi wayo ngezikhathi zokudinga.

E-USA uma ufuna ukuba nemoto emgwaqweni kufanele ube nomshuwalense wezimoto. Abanye bathi ngisho banomkhawulo wokubheka lapho kufanele ube nesamba esithile sama dollar; ngokuvamile, lokhu kubizwa ngokuthi ukuqala kokuqala.

Indlela Yokuthola Umshwalense Wezithuthi Omusha E-USA

Umshuwalense we-Auto ubeka ingozi emotweni. Inkampani yomshuwalense ikhokhela ukulahlekelwa kwezimali kumnikazi ngokubuyisela imali encane ekhokhwa ngezikhathi ezithile. Inani elikhokhwa minyaka yonke libizwa ngokuthi i-premium, futhi inkontileka oyikhiphayo nenkampani yomshuwalense iyayaziwa njengenqubomgomo yomshuwalense. Inkampani yomshuwalense ikuvumela ukuba ubambe inkontileka, futhi ube ngumnikazi wezinqubomgomo.

Umshuwalense wemoto angeke ushibhe. Kodwa-ke, ngaphansi kwezimo ezingalindelekile zokulahleka noma ukulimala imoto yakho, isinxephezelo sizobonakala sinjengo-godsend. Ukuzikhandla ngezikhathi zemikhosi yemali ukuvikela imoto yakho noma izimoto eziphethwe ibhizinisi lakho, kungase kubonakale kubi. Kukhona ukuthambekela kokuzama nokusika imigqa ngokusebenzisa amaphakheji amancane omshwalense wemoto. Noma kunjalo, ngisho nokulimala kwemoto encane kuyabiza ngokweqile; ngakho-ke, iphakheji encane angeke ikunikeze ukufakwa okubanzi ngenkathi uyidinga kakhulu.

Izinhlobo Zomshuwalense Wama-Auto E-USA

Izinhlobo ezivame kakhulu zomshuwalense wezimoto ezikhona e-US yi-Insability Assurance, Auto Collision and Comprehensive Insurance, Izinkokhelo Zezokwelapha kanye Nokuvikelwa Kwabantu Bokuzilimaza, nabakwa-Uninsured Motorists kanye nabakwa-Underinsured Motoring. Izinkampani eziningi zanamuhla zinikeza lezi zindawo.

Inkokhelo yomshuwalense wemfanelo ikhokhela umonakalo obangela abanye nompahla wabo. Ikhokhela izindleko zomthetho ezihilelekile kanye nezindleko zomuntu ohlukunyezwayo ozoya enkantolo ebiza umonakalo, ngaphakathi kwemingcele yakho yemfanelo. Endabeni yengozi, izindleko zokulungisa imoto yakho zihlanganiswa yomshuwalense we-collision. Umshuwalense ophelele uhlanganisa ukulimala okubangelwa izigameko ngaphandle kwezingozi zemoto, njengezinhlekelele zemvelo, ukweba, umlilo, ukulimaza, nokushaya isilwane.

Uma kwenzeka umuntu obanjwe inshuwalense kanye nomgibeli ogulayo abadinga ukwelashwa ukwelashwa ngokulimala komzimba ngenxa yengozi, lokhu kuhlanganiswa nokuhlinzekwa kweziNkokhelo zezokwelapha. Ukuvikelwa komuntu siqu kuzokukhokhela izindleko zezokwelapha kanye nomholo olahlekelwe nguwe kanye nomgibeli ohamba nabo uma belimale engozini.

Kungani Udinga Umshwalense We-Auto

Inhloso eyinhloko yimuphi umshuwalense ukuvikela umnikazi wezinqubomgomo nomndeni wakhe ngokumelene nemiphumela ephumela ekulimaleni okungalindelekile noma ekufeni kanye nemithwalo yemali uma kwenzeka lezi zinhlekelele. Kuyinto inkontileka phakathi kwenkhampani yomshuwalense ohlobene nawe, lapho uvuma ukukhokhisa imali ekhokhelwa yilapho inkampani yomshuwalense izodinga ukumboza uma kwenzeka izingozi.

Umshuwalense wezimoto uhlanganisa lezi zintathu eziyinhloko izindawo:

Ukuthengwa kwempahla - kubhekisela emonakalweni noma ukwebiwa kwemoto yakho

Ukutholakala kwemfanelo - kuhlobene nemithwalo yemfanelo yakho yomthetho kwabanye abangase babangele ukulahlekelwa kwempahla ukulahlekelwa ukukhubazeka

Ukuhlinzeka ngezokwelapha - kubhekisela ekunakekeleni kwezokwelapha, izindleko zokwelashwa, ukuvuselelwa, ukulahlekelwa amandla okusebenza, noma ngisho nezindleko zokungcwaba lapho kunezinkampani.

Umsebenzi Womshwalense Wezithuthi

Umshwalense we-auto uvikela futhi kumshayeli ongaqinisekisiwe noma abashayeli. Kulesi simo, abashayeli abasha noma abashayeli abangaqinisekisiwe abanakho inkampani yomshuwalense ukukukhokhela umonakalo okwenzekile, kodwa ngenhlanhla usenayo inkampani yakho yomshuwalense ukuba ithwale ukulahlekelwa.

Vikela ibhange elinikeze ukubolekisa imoto ukukhokhela imoto yakho. Ngoba uma kukhona inhlekelele eyenzekayo emotweni yakho, akekho ozokwazi ukubolekisa noma ukunikeza imali eyengeziwe kuwe ukulungisa imoto ngaphandle kwekampani yomshuwalense wezimoto. Uma kungenjalo, kuzodingeka ulungise umonakalo owenziwe emotweni ngokwakho, futhi lokhu kuzokuvimbela ukuba ukhokhele inkokhelo yenyanga mboleko yenyanga ngesikhatsi. Umphumela wukuthi ibhange ngeke likubole imali eminye esikhathini esizayo, nekhredithi emibi okwamanje okuyiyo okungenani isikhathi esiningi. Imishuwalense yomshuwalense wesikhathi esifushane