Izidingo zomshwalense zokubhalisa imoto e-Georgia

Esifundeni sase-Georgia, abashayeli kudingeka babe nomshwalense wesikweletu noma "isikweletu sezimali" ukuze basebenzise imoto ngokusemthethweni.

Umshwalense omncane wesikweletu odingekayo kubanikazi bezimoto ngaphansi kwalo mthetho umi kanje:

• $25,000 ukulimala komzimba komuntu oyedwa. Lokhu kusho ukuthi umshwalense ngamunye kufanele uhlanganise okungenani u-$50,000 ukuze ubhekane nenani elincane kakhulu labantu ababandakanyeka engozini (abashayeli ababili).

• $25,000 ngomonakalo wempahla

Lokhu kusho ukuthi umshayeli ngamunye kufanele aqinisekise isikweletu sakhe ngesamba esingu-$75,000 ngemoto ngayinye anayo e-Georgia.

Izinhlobo zomshwalense

Nakuba lezi kuyizo zodwa izinhlobo zomshwalense ezidingwa iSifundazwe SaseGeorgia, ezinye izinhlobo zomshwalense ziqashelwa ukuze zikhokhelwe okwengeziwe. Lokhu kuhlanganisa:

• Umshwalense wokushayisana, ohlanganisa umonakalo wemoto yakho engozini.

• Umshwalense ophelele okhava umonakalo emotweni yakho obungewona umphumela wengozi (isibonelo, umonakalo odalwe isimo sezulu).

• Umshwalense wezempilo nomngcwabo, ohlanganisa izikweletu zezokwelapha noma izindleko zomngcwabo ngenxa yengozi yemoto.

• Umshwalense womshayeli ongenamshwalense, okhokhela izindleko uma kwenzeka ingozi ehlanganisa umshayeli ongenamshwalense.

ubufakazi bomshwalense

I-Georgia ingesinye sezifundazwe ezimbalwa ezingalamukeli ikhadi lomshwalense elivela enkampanini yakho yomshwalense njengobufakazi bokuthi umshwalense uyasebenza. Esikhundleni salokho, ubufakazi bokumbozwa bungatholwa nge-Georgia Electronic Insurance Enforcement System. Inkampani yakho yomshwalense ibika isimo sakho kule database.

Ubufakazi obamukelekayo bomshwalense wokubhalisa imoto yakho, uma umshwalense ungakabikwa kwa-GEICS, buhlanganisa:

• Ibhili yokuthengisa ebhalwe zingakapheli izinsuku ezingama-30 zokuthengwa kwenqubomgomo yomshwalense, ehlanganisa ikhasi elivumelekile lesimemezelo somshwalense.

• Isitifiketi esivumelekile esizimele esikhishwe yi-Georgia Fire Authority.

Izijeziso zokwephula

Uma umshayeli etholakala enecala lokungabi nawo umshwalense ofanele esifundazweni sase-Georgia, kuzothathwa izinyathelo ezimbalwa futhi kuzosebenza izinhlawulo ezihlukene esinyathelweni ngasinye:

• Isinyathelo sokuqala siwukumisa ukubhaliswa kwemoto kuze kubuyiselwe umshwalense ofanele.

• Ukuze ubhalise kabusha, izimali ezimbili kufanele zikhokhwe lapho kwethulwa isitifiketi esisha somshwalense: imali engu-$25 yokususa ukubhalisa kanye nenkokhelo engu-$60 yokubuyisela.

• Ukwephulwa kwesibili phakathi kwesikhathi esiyiminyaka emihlanu kuzoholela ekumisweni okude kokubhalisa.

• Emacaleni alandelayo esikhathini esiyiminyaka emihlanu, ukubhaliswa kwemoto kuzomiswa isikhathi esingangezinyanga eziyisithupha. Inkokhelo yokutakula kuleli zinga ifinyelela ku-$160.

Ukukhanselwa komshwalense

Uma ufuna ukukhansela umshwalense wakho wesikweletu, kufanele uqale ukhansele ukubhaliswa kwemoto yakho ehhovisi lesiphathimandla sentela esifundeni ohlala kuso. Uma ukhansela ikhava yakho ngaphambi kokuyekiswa ukubhalisa, uzokhokhiswa imali yokubuyisela kanye nokuphelelwa yisikhathi.

Ukuze uthole ulwazi olwengeziwe, thintana noMnyango Wezezimali wase-Georgia kuwebhusayithi yabo.