Ungawuthola kanjani umshwalense wemoto eCalifornia

Uma ungumshayeli e-California, ukufaka umshwalense ngemoto yakho akuyona inketho, kuwumsebenzi umbuso ozodinga ukuthi uhlangane nawo futhi okufanele uwulungiselele kakhulu.

Kungakhathaliseki ukuthi useCalifornia noma kuphi e-United States, umthetho ucacile uma kuziwa kumshwalense wemoto: kufanele ube nawo. Kulesi simo, intshisekelo enkulu kahulumeni ukuthi ungakwazi ukuhlangabezana nalesi sidingo esibalulekile kwirekhodi labo bonke abashayeli abanomthwalo wemfanelo, ngakho inikeza izeluleko eziningi nolwazi ukuze ukwazi ukuvikela imoto yakho ngendlela efanele.

Uma uqala lolu cwaningo abaningi abalubheka luyinkimbinkimbi, into yokuqala okufanele uyazi ukuthi umbuso udinga izinkampani zomshuwalense ukuthi zinikeze isaphulelo esifika ku-20% kulabo bashayeli abanerekhodi elihlanzekile. Ngalowo mqondo, uma ungenaso isigameko kurekhodi lakho njengomshayeli, usuvele unephuzu elivuna wena.

Olunye ulwazi olubalulekile yiqiniso lokuthi umbuso awudingi ukuthi ube nomshwalense ophelele, lolu hlobo lomshwalense luyazikhethela, kodwa okuphoqelekile ukuthi okungenani ube nomshwalense wesibopho somphakathi, inketho esele isiphenduke yabaningi. iminyaka enye indlela ethengekayo kakhulu. Amanani amancane amukelekayo ukuba semthethweni kwalolu hlobo lwenqubomgomo ama-$15,000 ngokulimala noma ukufa komuntu oyedwa, u-$30,000 ngokulimala noma ukufa komuntu ongaphezu koyedwa, kanye no-$5,000 wokulimala kwempahla.

Kungani kufanele ngiqinisekise imoto yami?

Izibalo zikhombisa ukuthi bonke abantu okungenani kanye empilweni yabo bangene engozini yomgwaqo. Umonakalo ohlotshaniswa nalezi zenzakalo ungahluka kakhulu kuye ngezimo, ngakho-ke iSifundazwe sase-California sizibophezele ekuqinisekiseni ukuthi ukhavwe kulezi zimo njengesinyathelo sokuvimbela.

Uma usemgwaqweni noma ubandakanyeka engozini yomgwaqo, uma ubanjwa usebenzisa umakhalekhukhwini, noma uma imoto yakho yebiwa, kufanele ubonise iziphathimandla ukuthi unomshwalense osebenzayo. Ukwenza lokhu, kufanele wethule ikhadi inkampani yomshwalense ezokunikeza yona ngesikhathi uvala ukuthenga. Ibonisa idatha ehlobene nemoto yakho: ukwakheka, imodeli, unyaka wokukhiqiza, isigaba sokuphepha kanye nezindleko. Ezinye izinkampani zihlinzeka ngaleli khadi nge-elekthronikhi ngezinhlelo zokusebenza ezingadawunilodeka kumaselula futhi zisetshenziswe noma nini lapho ulidinga.

Uma uboshwe iziphathimandla futhi ungenawo okungenani umshwalense wesikweletu somphakathi, umbuso uzokuphoqa ukuthi ukhokhe inhlawulo ka-$100 kuya ku-$200 uma kungokokuqala, kanye no-$200 kuya ku-$500 uma ungasinakanga isixwayiso sokuqala. Uphinde ube sengozini yokuboshwa imoto yakho noma ukubhaliswa kwakho kumiswe okwesikhashana.

Ungawenza kanjani umshwalense wemoto eCalifornia?

Umthetho waseCalifornia uvuna kakhulu umshayeli. Akugcini nje ngokuqinisekisa ukuthi uthole isaphulelo esifika ku-20% ekuthengeni imishwalense, kodwa futhi kukuvikela ngokuba khona kwe-Proposition 103, umthethonqubo umbuso owubekayo emananini ahlinzekwa yizinkampani zomshwalense. Lo mthetho waqala ukusebenza ngo-1988 futhi uyisisetshenziswa esibaluleke kakhulu sokuba umthengi womshwalense ohlakaniphile. Ngenxa yalo mthetho, akukho emthethweni e-California ukuthi izinkampani zomshwalense zichaze inani lepholisi yakho ngokusekelwe emininingwaneni yakho yasebhange noma idatha ehlobene nomholo wakho.

Kubalulekile futhi ukuthi wazi ukuthi kusukela ngo-1999 umbuso une-Low Cost Automobile Insurance Programme (CLCA), enye indlela uma ungumshayeli, udinga umshwalense wemoto yakho futhi izinsiza zakho zincane. Kufanele ufaneleke ukusebenzisa lokhu okunye futhi izidingo ukuze ufaneleke zimi kanje:

.- Kumelwe ube nelayisensi yokushayela yase-California evumelekile.

.- У вас должен быть автомобиль, стоимость которого не превышает 25,000 долларов США.

.- Kufanele okungenani ube neminyaka eyi-16 ubudala.

.- Kufanele uhlangabezane nezidingo ngaphakathi kwebanga lemali engenayo elihlotshaniswa nalolu hlelo.

Njengoba yonke le mininingwane ingaphansi kwebhande lakho, vele uselude ukhalo okufanele uluhambe ngoba ngeke nje wazi imisebenzi yakho kodwa namalungelo akho. Kuyancomeka ngalesi sikhathi ukuthi kubhekwe intengo yezinqubomgomo ezinkampanini ezimbalwa zomshwalense ukuze wenze isinqumo mayelana nohlelo oluhambisana kangcono nezidingo zakho kanye neholo lakho.

Khumbula ukuthi uma kungaphakathi kwamandla akho, awukwazi ukuba nomshwalense wesikweletu somphakathi kuphela, ungathenga nezinye izinhlobo zomshwalense ongafaki nje umonakalo kubantu besithathu, kodwa futhi nomonakalo emotweni yakho noma ugcine uvikelekile uma kwenzeka. yokweba, into ewusizo kakhulu uma ubheka ukuthi iCalifornia ithathwa njengenhloko-dolobha yokwebiwa kwezimoto e-United States ngokwezibalo.

futhi