Ukuthi Ukushayela Uphuzile Kuthinta Kanjani Izilinganiso Zomshwalense Wezimoto
Okuqukethwe
- I-DWI, i-OUI, i-DUI, i-DWAI, i-OVI: ichaza ukuthini futhi ihluke kanjani
- Ilayisensi yokushayela emisiwe noma ehoxisiwe
- Kubiza malini ukushayela uphuzile
- Ukuthi Ukushayela Uphuzile Kuwuthinta Kanjani Umshwalense
- Amazinga omshwalense wokushayela uphuzile ngezwe
- Ungawuthola kanjani umshwalense oshibhile we-DUI
- Ihlala isikhathi esingakanani i-DUI elayisensi yakho yokushayela?
- Kunini ukushayela uphuzile kunomthelela emazingeni omshwalense wemoto
- Ukugcina ukumbozwa kwemoto ngemuva kwe-DUI
- Konke mayelana ne-SR-22
- Umshwalense Ongeyena Umnikazi SR-22
Abashayeli ababanjwe beshayela bephuzile noma bedle izidakamizwa babhekana nemiphumela eminingi. Le miphumela iyahlukahluka kuye ngokuthi icala lafakwa ngaphansi kwasiphi isimo, kodwa cishe ngaso sonke isikhathi zihlanganisa izinhlawulo, ukumiswa kwelayisensi yakho yokushayela kanye nokwenyuka okuphawulekayo kwamazinga omshwalense wezimoto, kanye nezimpawu zeminyaka eminingi kurekhodi lakho lokushayela. Kodwa-ke, kunezindlela zokunciphisa umthelela wecala lokushayela ephuzile enanini olikhokhela umshwalense wemoto.
I-DWI, i-OUI, i-DUI, i-DWAI, i-OVI: ichaza ukuthini futhi ihluke kanjani
Kunamagama amaningi ahlotshaniswa nokushayela ngemva kokusebenzisa into elawulwayo. Imigomo efana nokushayela udakiwe (DUI), ukushayela udakiwe (DWI), noma ukushayela udakiwe (OUI) ngokuvamile zihlanganisa ukushayela udakiwe noma udakwe izidakamizwa, kodwa anezincazelo ezihluke kancane ezifundeni ezihlukene.
Kwezinye izifundazwe, ukushayela uphuzile kufaneleka njengokushayela uphuzile, kodwa ukwephulwa kwensangu noma ezinye izidakamizwa kubhekwa njengokushayela udakiwe. Ezinye izifundazwe zichaza i-DUI ne-DWI njengokuphulwa okuhlukene, lapho i-DUI iyinkokhiso encane kune-DWI.
Ngezinjongo zalesi sihloko, i-DUI izosetshenziswa njengegama elijwayelekile le-DWI, i-OVI, ne-OUI.
Ilayisensi yokushayela emisiwe noma ehoxisiwe
Ukumiswa kwezincwadi zokushayela cishe njalo kuhambisana nokutholwa enecala lokushayela ephuzile. Imithetho yezwe iyahluka ngokuthi lokhu kumiswa kuthatha isikhathi esingakanani, kodwa ngokuvamile kuphakathi kwezinyanga ezintathu neziyisithupha.
Lokhu kungenzeka ngezindlela ezimbili: i-ejensi yezimoto zikahulumeni imisa ilayisense yakho noma imise ilayisense yakho.
Ukwehluleka ukuthatha i-breathalyser blood alcohol test noma ukuhlolwa kwegazi ngesikhathi sokuma kwethrafikhi kuzoholela ekumisweni kwelayisensi yakho yokushayela, kungakhathaliseki ukuthi yisiphi isinqumo ecaleni lakho lokushayela udakiwe. Ngakho-ke, njenganoma yisiphi isitobhi, kungcono ukwenza okushiwo yisikhulu.
Kuncike emithethweni yezwe nezimo zomuntu ngamunye, kodwa abashayeli abaqala ngqa ukudakwa bangathola ilayisense yabo esikhathini esingangezinsuku ezingu-90. Ngezinye izikhathi ijaji libeka imingcele, njengokukwazi ukuya nokubuya emsebenzini kuphela kumuntu ophule imithetho yomgwaqo. Izaphulamthetho eziphindayo zingase zibhekane nezijeziso ezinzima, ezifana nokumiswa kwelayisensi unyaka noma ngaphezulu, noma ukuhoxiswa kwelayisensi unomphela.
Kubiza malini ukushayela uphuzile
Ngaphezu kokuba yingozi kakhulu, ukushayela udakiwe noma udakiwe nakho kubiza kakhulu. Ukugwetshwa ngecala lokushayela uphuzile kuhlanganisa izinhlawulo, izinhlawulo, nezindleko zomthetho okuzodingeka uzikhokhe ephaketheni lakho. “E-Ohio, icala lokuqala lokushayela uphuze utshwala lingabiza u-$7,000 XNUMX noma ngaphezulu,” kusho uMichael E. Cicero, ummeli womgwaqo kaNicola, Gudbranson & Cooper eCleveland. UCicero uveza izindleko ezimbalwa abashayeli base-Ohio abangazilindela uma betholakala benecala lokushayela bephuzile:
- Inhle kusuka kumadola angama-500 kuye kwangama-1,000
- Izindleko zomthetho zisuka ku-120 kuya ku-400 zamadola.
- Isikhathi sesivivinyo, $250
- Uhlelo lokungenelela kwabashayeli esikhundleni sejele, ama-$300 kuya ku-$400.
- Izindleko zomthetho zisuka ku-1,000 kuya ku-5,000 zamadola.
Ukuthi Ukushayela Uphuzile Kuwuthinta Kanjani Umshwalense
Ngaphezu kwezinhlawulo nezindleko, izindleko zomshwalense wemoto yakho zizokhuphuka ngemva kokushayela udakiwe. Ukuthi bakhuphuka kangakanani kuya ngokuthi uhlala kuphi, kodwa abashayeli abalahlwe yicala lokushayela bephuzile kufanele balindele ukuthi amanani abo azophindeka kabili.
UPenny Gusner, umhlaziyi wabathengi ku-Insure.com, uthi: “Ukushayela udakwe uwedwa kuzokhuphula izinga lomshuwalense wemoto yakho ngamaphesenti angu-40 kuya kwangu-200. ENyakatho Carolina, lokho kungamaphesenti angama-300 ngaphezulu.
Amazinga omshwalense wokushayela uphuzile ngezwe
Imithetho yezwe lapho uhlala khona inomthelela omkhulu emazingeni omshwalense wezimoto, futhi ukukhuphula izinga lakho lokushayela udakiwe akufani. Noma ngabe ukushayela uphuzile akwenzekanga esifundazweni ohlala kuso, kuzokulandela uye ekhaya. Leli thebula libonisa ukukhuphuka okumaphakathi kwezilinganiso zomshwalense wezimoto ngemva kwe-DUI esifundazweni ngasinye:
| Ukwenyuka okumaphakathi kwamazinga omshwalense wezimoto ngemva kokushayela udakiwe | ||||
|---|---|---|---|---|
| Isifunda | Isilinganiso sonyaka | Phuza ukushayela ukubheja | Izindleko ezengeziwe | % Khuphula |
| AK | $1,188 | $1,771 | $583 | 49% |
| AL | $1,217 | $2,029 | $812 | 67% |
| AR | $1,277 | $2,087 | $809 | 63% |
| AZ | $1,009 | $2,532 | $1,523 | 151% |
| CA | $1,461 | $3,765 | $2,304 | 158% |
| CO | $1,095 | $1,660 | $565 | 52% |
| CT | $1,597 | $2,592 | $995 | 62% |
| DC | $1,628 | $2,406 | $778 | 48% |
| DE | $1,538 | $3,113 | $1,574 | 102% |
| FL | $1,463 | $2,739 | $1,276 | 87% |
| GA | $1,210 | $1,972 | $762 | 63% |
| HI | $1,104 | $3,112 | $2,008 | 182% |
| IA | $939 | $1,345 | $406 | 43% |
| ID | $822 | $1,279 | $457 | 56% |
| IL | $990 | $1,570 | $580 | 59% |
| IN | $950 | $1,651 | $701 | 74% |
| KS | $1,141 | $1,816 | $675 | 59% |
| KY | $1,177 | $2,176 | $999 | 85% |
| LA | $1,645 | $2,488 | $843 | 51% |
| MA | $1,469 | $2,629 | $1,160 | 79% |
| MD | $1,260 | $1,411 | $151 | 12% |
| ME | $758 | $1,386 | $628 | 83% |
| MI | $2,297 | $6,337 | $4,040 | 176% |
| MN | $1,270 | $2,584 | $1,315 | 104% |
| MO | $1,039 | $1,550 | $511 | 49% |
| MS | $1,218 | $1,913 | $695 | 57% |
| MT | $1,321 | $2,249 | $927 | 70% |
| NC | $836 | $3,206 | $2,370 | 284% |
| ND | $1,365 | $2,143 | $778 | 57% |
| NE | $1,035 | $1,759 | $724 | 70% |
| NH | $865 | $1,776 | $911 | 105% |
| NJ | $1,348 | $2,499 | $1,151 | 85% |
| NM | $1,125 | $ 1,787 | $661 | 59% |
| NV | $1,113 | $1,696 | $582 | 52% |
| NY | $1,336 | $2,144 | $808 | 60% |
| OH | $763 | $1,165 | $402 | 53% |
| OK | $1,405 | $2,461 | $1,056 | 75% |
| OR | $1,110 | $1,737 | $627 | 56% |
| PA | $1,252 | $1,968 | $717 | 57% |
| RI | $2,117 | $3,502 | $1,385 | 65% |
| SC | $1,055 | $1,566 | $511 | 48% |
| SD | $1,080 | $1,520 | $439 | 41% |
| TN | $1,256 | $2,193 | $937 | 75% |
| TX | $1,416 | $2,267 | $851 | 60% |
| UT | $935 | $1,472 | $537 | 57% |
| VA | $849 | $1,415 | $566 | 67% |
| VT | $900 | $1,392 | $492 | 55% |
| WA | $1,075 | $1,740 | $666 | 62% |
| WI | $863 | $1,417 | $554 | 64% |
| WV | $1,534 | $2,523 | $988 | 64% |
| WY | $1,237 | $1,945 | $708 | 57% |
| США | $1,215 | $2,143 | $928 | 76% |
| Yonke idatha ethathwe ku-http://www.insurance.com | ||||
Ungawuthola kanjani umshwalense oshibhile we-DUI
Ufuna umshwalense wemoto obiza kancane ngemuva kokugwetshwa ukushayela uphuzile? Uphelelwe yinhlanhla. Akunakugwenywa ukuthi amanani akho azokhuphuka, kodwa uma uthenga eduze kwakho ungase uthole inketho engabizi kakhulu. Inkampani ngayinye yomshwalense ibala ubungozi ngendlela ehlukile: abanye bangase baphume kubanikazi bamapholisi abalahlwe amacala okushayela bephuzile, kanti abanye banezinhlelo ezikhethekile zezelelesi zokushayela bephuzile. Ukwenza ucwaningo nokudangala kuyindlela engcono kakhulu yokuqinisekisa ukuthi ukhokha inani elingcono kakhulu lomshwalense wemoto. Lokhu kungenza umehluko wezinkulungwane ezimbalwa zamaRandi ngonyaka.
Ihlala isikhathi esingakanani i-DUI elayisensi yakho yokushayela?
Njengenhlawulo ozobhekana nayo, ukuthi ukugwetshwa kwecala lokushayela uphuzile kuhlala isikhathi esingakanani emlandweni wakho wokushayela kuyahlukahluka kuye kwesinye nesifunda. Njengomthetho ojwayelekile, ihlala elayisensini yakho yokushayela okungenani iminyaka emihlanu, kodwa ezifundazweni eziningi yinde kakhulu. E-New York naseCalifornia, ukushayela udakiwe kuhlala kurekhodi lakho iminyaka engu-10, futhi e-Iowa ngisho nangaphezulu: iminyaka engu-12.
Kunini ukushayela uphuzile kunomthelela emazingeni omshwalense wemoto
Futhi, isimo lapho ukugwetshwa kwenzeke khona sithinta ukuthi amanani omshwalense wemoto yakho azothinteka isikhathi esingakanani. Uma nje enolwazi lwakho lokushayela, uzokwenyusa amanani akho. Isihluthulelo sokunciphisa kancane kancane amanani kumazinga ajwayelekile ukugcina umlando wokushayela uhlanzekile. “Ungabuyisela izincwadi zakho zokushayela ukukhombisa ukuthi ufundile ephutheni lakho futhi ungumshayeli oqotho,” kusho uGusner. Ngokuhamba kwesikhathi, amanani akho azoqala ukwehla. Kungathatha iminyaka emithathu noma emihlanu noma eyisikhombisa, kodwa uzofika lapho.” Uma i-DUI isisuswe unomphela kurekhodi lakho, thenga futhi uqhathanise amanani omshwalense ukuze ubone ukuthi ungathola yini inani elingcono komunye umhlinzeki.
Ukugcina ukumbozwa kwemoto ngemuva kwe-DUI
Kuyadingeka ukugcina umshwalense wemoto noma ilayisense yakho imisiwe ngemuva kokulahlwa yicala lokushayela uphuzile. Lokhu kungenxa yokuthi abahlinzeki bomshwalense babheka ukumbozwa okuqhubekayo lapho benquma amanani akho. Uma ugcina ukumbozwa okuqhubekayo ngaphandle kwezikhala, uzogcina ukhokha inani eliphansi, ngakho-ke kuwukuhlakanipha ukuqhubeka ukhokha ngisho noma ungakwazi ukushayela ngokusemthethweni. Uma ilayisense yakho imisiwe isikhathi esingangonyaka futhi ungawukhokhi umshwalense ngaleso sikhathi, izingcaphuno zakho zomshwalense zizoba ngokwesayensi yezinkanyezi lapho uqala ukuthenga umshwalense futhi.
“Uma unemoto abantu bazokushayela buza ukuthi inkampani yakho yomshwalense izokuvumela yini ukuthi wengeze umuntu ozokushayela njengomshayeli omkhulu ngaphandle kwakho. Umshwayilense usazoba segameni lakho, ngakho-ke ngokobuchwepheshe alikho igebe ekuphatheni,” kusho uGusner.
Kodwa-ke, yizinkampani ezithile zomshwalense kuphela ezizokuvumela lokhu, ngakho-ke kungase kuthathe ukukhuthala okuthile ukuthola umuntu ozimisele ukukwamukela isicelo sakho.
Konke mayelana ne-SR-22
Abashayeli abalahlwe amacala okushayela bephuzile, ukushayela budedengu, noma ukushayela bengenawo umshwalense bavame ukuyalelwa yinkantolo ukuthi baphathe imishwalense eyeqa izidingo eziyisisekelo zombuso. Laba bashayeli kufanele baqinisekise le mikhawulo yomshwalense ngaphambi kokuthi ilayisense yabo ibuyiselwe, efinyelelwa nge-SR-22.
I-SR-22 idokhumenti inkampani yakho yomshwalense okufanele iyifake kuMnyango Wezimoto Wezwe ukuze ufakazele ukuthi unomshwalense owanele. Uma uphuthelwa yinkokhelo, khansela ipholisi yakho, noma uma kungenjalo uvumele ukusetshenziswa kwakho kuphelelwe yisikhathi, i-SR-22 izohoxiswa futhi ilayisense yakho izomiswa futhi.
“Uma kudingeka i-SR-22, qiniseka ukuthi wazisa umshwalense wakho njengoba kungebona bonke abadayisi bomshwalensi abafaka ifomu,” kusho uGusner.
Umshwalense Ongeyena Umnikazi SR-22
Umshwalense we-SR-22 wabangewona abanikazi kungaba indlela ehlakaniphile yokugcina ukuvikeleka uma ungaseyena umnikazi wemoto. Lezi zinqubomgomo zidinga ukuthi ungafinyeleli njalo emotweni, kodwa unikeze kuphela ukuvikeleka kwesikweletu, ngakho lolu hlobo lomshwalense ngokuvamile lushibhile kunenqubomgomo evamile.
Lesi sihloko sishintshwa ngokuvunyelwa kwe-carinsurance.com: http://www.carinsurance.com/how-do-points-affect-insurance-rates.aspx
