Uwuthenga nini umshwalense wemoto wesikhashana

Umshwalense wemoto wesikhathi esifushane, owaziwa nangokuthi umshwalense wemoto wesikhashana, uhlinzeka ngekhava efanayo njengomshwalense wemoto ojwayelekile isikhathi esifushane. Izinqubomgomo zomshwalense wezimoto ezijwayelekile zihlala kusukela ezinyangeni eziyisi-6 kuya onyakeni owodwa. Umshwalense wezimoto wesikhashana ungathengwa izikhathi ezisukela osukwini olulodwa kuya ezinyangeni ezimbili, kuye ngomhlinzeki.

E-United States, ukushayela ngaphandle komshuwalense wemoto akukho emthethweni. Uma ubanjwa, uzobhekana nezinhlawulo ezinkulu, amaphuzu kanye nokumiswa kwelayisense yakho yokushayela, kanye nezintela eziphakeme zemishwalense yakamuva ngenxa yerekhodi lakho lokushayela. Futhi, uma uthola ingozi ngaphandle komshwalense, ungase ugcine ukhokha izindleko zezokwelapha nezomonakalo wempahla isikhathi eside esizayo.

Uwuthenga nini umshwalense wemoto wesikhashana:

Abantu bathatha imishwalense yesikhashana yezimoto ngenxa yezizathu ezehlukene zokugwema ukushayela uma ukuphelelwa yisikhathi. Nazi izimo eziyi-12 lapho ungathenga khona umshwalense wesikhashana:

1. Phakathi kwezinqubomgomo zomshuwalense wezimoto. Uma ushintsha abahlinzeki ngesikhathi lapho ungakubambi ngokuzenzakalelayo, umshwalense wesikhashana ungavala igebe lokuvikela.

2. Ukukhathazeka ngemikhawulo yesikweletu. Uma ukhathazekile ngokuthi umshwalense omncane ungase ungakhavi imoto esivele ifakwe umshwalense ngomonakalo, ungathatha umshwalense wesikhathi esifushane njengekhava eyengeziwe.

3. Qasha imoto ngaphandle kwedolobha. Ungathenga umshwalense wenkampani eqashisa ngemoto ngesikhathi semoto yakho noma ukhethe omunye umhlinzeki.

4. Ukugwema amanani omshwalense lapho uqasha imoto. Uma uhlela ukushayela imoto yakho eqashisayo izikhathi eziningi noma izinyanga ezimbalwa, umshwalense wesikhashana ungase ushibhe kunezindleko zenkampani eqashisayo.

5. Ukuboleka imoto kumngane noma ilungu lomndeni. Ungasebenzisa imoto yabo ngenkathi imoto yakho isalungiswa, noma uphakathi kwezimoto isikhashana. Uma uyisivakashi futhi bekuboleke imoto yabo, kungaba ukuhlakanipha ukuthatha uhlobo oluthile lomshwalense. Ungacabangi ukuthi imoto oyibolekayo ingaphansi kwenqubomgomo yomunye umuntu.

6. Ubunikazi bezimoto zesikhashana. Usafuna ukuqinisekisa imoto yakho, kungakhathaliseki ukuthi isikhathi sobunikazi sifushane kangakanani. Lokhu kungasebenza eholidini elide noma ohambweni lwebhizinisi, noma emotweni oyithengele ukudayiswa kabusha.

7. Imoto yakho izobe ikhona. Ukuze uvikele imoto yakho ekulimaleni okungenzeka lapho uyigcina, kungase kube ukuhlakanipha ukuthatha umshwalense wesikhashana.

8. Udayisa imoto maduze nje. Umshwalense wakho omdala ungase usasebenza futhi ufuna ukuthengisa imoto yakho ngaphandle kokulahlekelwa ukukhava. Ungase futhi ufune ukuyivikela kubashayeli bokuhlola.

9. Ukukhanyisa okusheshayo ngenkathi ushayela imoto entsha endaweni yokupaka. Awufuni ukuthatha ubungozi, ikakhulukazi ngemoto entsha engase ibe nezindleko eziphezulu zokuyilungisa.

10. Ukubuya ekhaya ngivela ekolishi ukuze ngiphumule. Phakathi nokuvakasha kwakho, ungase udinge imoto kuphela amasonto ambalwa, kodwa kufanele uqiniseke ukuthi unomshwalense.

11. Ukuqashwa kweveni. Qiniseka ukuthi i-ejensi yakho yomshwalense wezimoto evamile ihlanganisa amaveni aqashisayo - ngaphandle kwalokho, kufanele ucabangele umshwalense wesikhashana.

12. Umshayeli wemoto yenkampani. Uma ungenayo imoto owabelana ngayo nawe, usafuna ukuthi iqinisekiswe.

Izinhlobo ezi-3 eziyinhloko zomshwalense wemoto wesikhashana:

Umshwalense wemoto wesikhathi esifushane usahlinzeka ngendlela efanayo nezinqubomgomo zomshwalense wesikhathi eside, ovame ukuzivuselela ngokuzenzakalela njalo ezinyangeni eziyisi-6 noma ngonyaka. Ingangezwa kuzinqubomgomo ezikhona noma ithathelwe indawo ngekhava evamile. Umshwalense wesikhashana ukhona ngezindlela eziningi, kodwa eyinhloko yilezi 3:

1. Umshwalense wabangewona abanikazi. Umshwalense okungebona abanikazi uvikela labo abangenazo izimoto zabo kodwa kwesinye isikhathi bazithole sebeshayela enye imoto. Izinqubomgomo okungebona abanikazi zifaka isikweletu sezikweletu zezokwelapha uma kwenzeka ingozi ngenxa yephutha, kanye nokuvikelwa okwengeziwe.

2. Umshwalense we-Gap. I-Gap imele Ukuvikelwa Kwempahla Eqinisekisiwe futhi ikuvikela lapho umshwalense wakho ovamile uhlanganisa kuphela inani lemoto yakho eyifanele. Inani lemoto lehla kakhulu njengoba ikhula, futhi ukulungiswa okukhulu kungadlula izindleko zemoto entsha. Uma imoto yakho ihileleke engozini, umshwalense wekhefu uzobhekana nezindleko ezengeziwe futhi kufanele ucatshangelwe uma utshale imali engaphansi kuka-20% ekukhokheleni imoto yakho futhi uyixhase ngezimali iminyaka emihlanu noma ngaphezulu.

3. Umshwalense wemoto oqashisayo. Umshwalense wakho ovamile ungase ube nemoto eqashisayo elinganiselwe, noma awuyena umnikazi wemoto ngakho-ke awunawo umshwalense wezimoto. Izinkampani eziqashisa ngezimoto zizohlinzeka ngomshwalense noma izinhlelo ezengeziwe zokuvikela ezifana nokuvikela isikweletu, ukulahlekelwa kanye nokuyekwa komonakalo, umshwalense wengozi kanye nemiphumela yomuntu siqu. Izintengo eziphuma kuma-ejensi aqashisayo zingaba phezulu, ngakho qiniseka ukuthi ubheka izinqubomgomo zesikhashana zomshwalense wezinkampani zangaphandle.

Intengo nemibandela yomshwalense wemoto wesikhashana

Njengemishwalense evamile, inkampani yomshwalense izocabangela indawo okuyo kanye nokwakheka kanye nohlobo lwemoto yakho ngaphambi kokukukhokhisa. Izinkampani zizophinde zicabangele noma imaphi amamaki abalulekile kurekhodi lakho lokushayela. Umshwalense wesikhathi esifushane uvame ukubiza kakhulu kunomshwalense wesikhathi eside, kodwa uhloselwe kuphela ukukhokhela izidingo zesikhathi esilinganiselwe.

Ngaphambi kokuphokophela intengo ethengekayo, qiniseka ukuthi uhlangabezana nalezi zidingo ukuze uthenge umshwalense wesikhathi eside:

• Uneminyaka engaphezu kuka-21 ubudala.
• Ilayisensi yakho yokushayela isebenza okungenani unyaka owodwa.
• Awunawo amaphuzu angaphezu kwangu-6 angafaneleki eminyakeni emi-3 edlule.
• Awuzange ube nengozi engaphezu kweyodwa ngenxa yephutha eminyakeni emi-1 edlule.