Izindleko zamathikithi ayikho ilayisense. Ukushayela ngaphandle kwelayisense noma ilayisensi emisiwe noma ihoxisiwe, akukho emthethweni kuzo zonke izifundazwe ezingama-50 futhi imiphumela ingaba ithuna . Ezimweni eziningi, icala lokuqala akulona i- ukwephulwa komgwaqo okulula , kepha a icala elincane kuhlanganisani izinhlawulo ezisinda kakhulu kunethikithi lomgwaqo . Uma usudlulele kufayela le- icala lesibili nangaphezulu, kungahle kugcine kube ngu- Icala elibucayi .
ukhokha malini ngethikithi elingelona ilayisense?
Izinhlawulo zingasuka ku- $ 50 eWisconsin (ngokushayela unelayisense emisiwe, ukushayela nelayisense elihoxisiwe kungakhuphula izindleko ku- $ 2,500) kuze kube $ 25,000 (icala lesibili) e-Illinois. Uzobhekana ne- ukumiswa kwelayisense , izinyanga ezimbili ekugcineni okuphansi kuze kube unyaka owodwa ngecala lokuqala. Uma kuyicala lesibili, cishe uzobhekana nalo okungenani unyaka noma emibili. Kukhona nethuba elihle lokuthi i- your imoto ibanjiwe Noma uthathe ibheji lakho.
Isikhathi seJele (kuze kube yiminyaka emihlanu) kungenzeka impela nganoma yini enye ngaphandle kwecala lokuqala, njengokusiza umphakathi, ingasaphathwa eyokuthi irekhodi lakho lokushayela unomphela manje selizoba nephutha elisohlwini.
Uma ungakaze ube nelayisense , izinhlawulo kungenzeka zingabi nzima kakhulu uma kuqhathaniswa nomuntu obanjwe eshayela nge ilayisensi emisiwe noma ehoxisiwe , kepha kusenjalo icala elincane esikhundleni se- ithikithi lomgwaqo . Kuhlelo iningi lithi Uma ushayela unelayisense emisiwe noma ehoxisiwe, uzoshiya indawo uboshwe ozankosi.
Nakhu ukuphazamiseka kwalokho ongakulindela izwe ngombuso uma uhamba emigwaqweni ngaphandle kwelayisense:
| Izwe | Linganisa | |
| I-Alabama | Iphutha: $ 100- $ 500 | |
| I-Alaska | ||
| E-Arizona | ||
| I-Arkansas | I-Misdemeanor: inhlawulo engeqi ku- $ 500 | |
| California | $ 300- $ 1,000 Kuhle | |
| IColorado | I-Misdemeanor - Ayidluli ku- $ 500 | |
| I-Connecticut | $ 150 - $ 200 | |
| I-Delaware | $ 500- $ 1,000 | |
| Isifunda saseColombia | $ 2,500 | |
| EFlorida | I-Misdemeanor $ 500 - $ 5,000 | |
| IGeorgia | I-Misdemeanor - $ 500 - $ 5,000 | |
| IHawaii | $ 250- $ 2,000 | |
| Idaho | I-Misdemeanor - $ 1,000 - $ 3,000 | |
| I-Illinois | I-Misdemeanor - $ 2,500 - $ 25,000 | |
| I-Indiana | UFelony - Ungadluli ku- $ 10,000 | |
| I-Iowa | I-Misdemeanor - $ 250 - $ 1,500 | |
| I-Kansas | Iphutha: $ 100 | |
| EKentucky | Iphutha: Kufika ku- $ 250 | |
| ELouisiana | $ 500- $ 2,500 | |
| Maine | Ubugebengu Bekilasi E: Kufika ku- $ 1,000 | |
| EMaryland | I-Misdemeanor - $ 1,000 | |
| EMassachusetts | I-Misdemeanor - $ 500 - $ 1,000 | |
| EMichigan | I-Misdemeanor - $ 500 - $ 1,000 | |
| IMinnesota | I-Misdemeanor - Ayidluli ku- $ 1,000 | |
| UMississippi | I-Misdemeanor - $ 200 - $ 500 | |
| EMissouri | ||
| IMontana | I-Misdemeanor - Ayidluli ku- $ 500 | |
| ENebraska | ||
| INevada | I-Misdemeanor - Ayidluli ku- $ 1,000 | |
| ENew Hampshire | I-Misdemeanor - Ayidluli ku- $ 1,000 | |
| E-New Jersey | $ 500- $ 1,000 | |
| ENew Mexico | I-Misdemeanor - Ayidluli ku- $ 1,000 | |
| I-New York | I-Misdemeanor - $ 250 - $ 500 | |
| ENyakatho Carolina | I-Misdemeanor - Ayidluli ku- $ 300 | |
| ENyakatho Dakota | I-Misdemeanor - $ 1,500 - $ 3,000 | |
| I-Ohio | I-Misdemeanor - $ 1,000 | |
| I-Oklahoma | I-Misdemeanor - $ 50- $ 1,000 | |
| Oregon | $ 220- $ 2,000 | |
| EPennsylvania | $ 200 | |
| Rhode Island | I-Misdemeanor - $ 250- $ 1,000 | |
| ENingizimu Carolina | $ 300- $ 1,000 | |
| ENingizimu Dakota | I-Misdemeanor - Ayidluli ku- $ 2,000 | |
| ETennessee | I-Misdemeanor - $ 500 - $ 2,500 | |
| ITexas | I-Misdemeanor - $ 500 - $ 2,000 | |
| Utah | I-Misdemeanor - $ 1,000 | |
| I-Vermont | Ayikho ngaphezu kwe- $ 5,000 | |
| IVirginia | I-Misdemeanor - Ayidluli ku- $ 2,500 | |
| Washington | I-Misdemeanor - Ayidluli ku- $ 5,000 | |
| ENtshonalanga Virginia | I-Misdemeanor - $ 100 - $ 500 | |
| I-Wisconsin | $ 50- $ 2,500 | |
| I-Wyoming | I-Misdemeanor - $ 750 |
** Imininingwane enikezwe yiNgqungquthela Kazwelonke Yezishayamthetho Zikahulumeni.
Hawu, ngiyikhohliwe ilayisense yami
Ukushaya umgwaqo ngenkathi ilayisense yakho yokushayela isebenza ekhaya nakanjani akukubi kangako njengokushayela unelayisense emisiwe noma ehoxisiwe. Ngenkathi kungenzeka ukuthi uzolithola ithikithi, kuwukwephulwa komgwaqo okulula, hhayi iphutha. Uma uza enkantolo unelayisense yakho yokushayela esemthethweni, maningi amathuba okuthi inhlawulo izokhishwa, yize kungadingeka ukhokhe inhlawulo encane.
Uyini umehluko phakathi kwelayisensi emisiwe neyesuliwe?
Ukushayela unelayisense emisiwe noma ehoxisiwe yizigaba ezinkulu uma kukhulunywa ngokwephulwa komgwaqo, kepha ezimweni eziningi, ukushayela unelayisense elichithiwe kuyicala elibi kakhulu.
Nasi ukubuka konke okusheshayo kwalokhu kwephula okubili:
Kunqanyuliwe: Ilayisensi emisiwe ukulahleka kwesikhashana kwelungelo lakho lokushayela imvamisa ngenxa yamaphuzu amaningi ngokweqile kwilayisense yakho, ukushayela ngaphandle kobufakazi bomshuwalense, noma elinye icala elikhulu. Kwezinye izifundazwe, ukumiswa kuphela ngokuzenzakalela futhi ilayisense yakho iyabuyiselwa. Kwamanye amazwe, ungahle udinge ukucela i- I-DMV ukukhulisa ukumiswa.
Kungenzeka kube nezici ezinciphisa ubunzima bokushayela unelayisense emisiwe kanti esinye sazo ukuthi ngabe ubusazi yini ukuthi ushayela nelayisense emisiwe. EFlorida, icala lokuqala livame ukungazi, okusho ukuthi umshayeli ubengazi ukuthi ilayisensi yakhe imisiwe, kusho u-Arion Hunt, umsunguli wenkampani yabameli i-Arion Hunt e-Orlando. Lokhu kunesigwebo secala lokwephula umthetho okuhamba njenga thikithi elisheshayo, kweluleka uHunt.
Kunezizathu ezimbalwa ezahlukahlukene zokuthi kungani ungaba semigwaqweni enelayisense emisiwe kodwa ungayazi, kepha ezimweni eziningi kungenxa yamathikithi omgwaqo angakhokhiwe. Uma ukhohlwa ukufaka inkokhelo yamathikithi asheshayo, ilayisense lakho lingagcina limisiwe, futhi ngokuzayo lapho udonswa, ungahle umangale futhi mhlawumbe uboshwe ozankosi.
Empeleni, lokhu kuvamile impela: Ngingasho ukuthi iningi labashayeli ababhekene naleli cala bayamangala lapho bezwa ukuthi ilayisense yabo imisiwe, futhi wonke umuntu uyamangala lapho ezwa ngemiphumela yayo, kusho uDerek Andrews noPhelan, Phelan noDanek. e-Albany, eNew York.
Kumele kuqashelwe ukuthi umbuso ngamunye wehlukile ngendlela ophatha ngayo ukushayela ngelayisense emisiwe noma ehoxisiwe, kanti ngenkathi iFlorida ingakunika inzuzo yokungabaza ukuthi ubungasazi isimo esimisiwe selayisense yakho, akuzona zonke izifundazwe nweba lokho kuhlonipha.
Ngakolunye uhlangothi, uma wazi ukuthi ilayisense lakho limisiwe futhi unquma ukushayela noma kunjalo, izinhlawulo ziqala ukubonakala kakhulu. EFlorida, ngemuva kokutholwa enecala lokuqala, isephulamthetho sibhekene necala lesibili, inhlawulo engu- $ 500, isikhathi sasejele, ukulingwa, umsebenzi womphakathi kanye nenkantolo iyalele isigaba sokushayela esingamahora ayisishiyagalombili, kuxwayisa uHunt. Futhi, lokhu kusebenza kuphela eFlorida.
Kubuyisiwe: lokhu kubi kakhulu kulawa macala amabili. Kusho ukuthi ilayisense yakho ikhanseliwe futhi ngemuva kokuhlangabezana nezimfuneko noma izinsuku zokugcina, uzodinga ukufaka isicelo selayisense entsha ngokuphelele. Ukuchithwa kwelayisense kuvame ukubangelwa icala elibi, njenge-DUI.
Inhlawulo yokushayela nelayisense emisiwe noma ehoxisiwe iyohluka ngombuso, kepha ezimweni eziningi le yinhlawulo enkulu, engakhuphukela ku- $ 25,000. Isikhathi sakho sokumiswa sizokwanda impela futhi cishe kuzo zonke izikhathi zesikhathi sejele sombuso naso sisetafuleni - amathuba okusebenza kwesikhathi azohluka ngokuya ngesimo nobukhulu becala lakho.
Cishe kuzo zonke izifundazwe, ukushayela unelayisense emisiwe noma ehoxisiwe kuyiphutha lecala lokuqala. Uma ungumenzi wobubi ophindayo onecala lesibili noma lesithathu, kungenzeka ukuthi ubheka ubugebengu obubi kakhulu futhi kungenzeka uchithe isikhathi esithile ejele.
Umshayeli oqhubeka nokushayela nelayisense emisiwe uthola umaki ojwayelekile futhi ubhekene namacala obugebengu, inhlawulo engu- $ 5,000, iminyaka emihlanu ejele, nokuhlolwa. Ijaji lingahle futhi li-ode izidingo ezengeziwe ngamacala ngamacala, kusho uHunt.
Uzokhokha imali ephezulu yomshwalense ngemuva kokushayela unelayisense emisiwe
Ukuqhuba imoto enelayisense emisiwe noma ehoxisiwe kungaba yisilingo, kepha kuyiphutha elikhulu futhi ekugcineni kubiza kakhulu.
Ngenkathi ungacabanga ukuthi ngeke ubanjwe, ubuchwepheshe benza kube lula ngabomthetho ukuthola isimo selayisense lakho. Abantu abasengozini ngamabomu kufanele bazi ukuthi iminyango yamaphoyisa isebenzise ubuchwepheshe bokuskena amapuleti obatshela ukuthi umnikazi wemoto obhalisiwe unamalayisense okushayela amisiwe noma ahoxisiwe, uHunt uyaxwayisa.
Ezimweni eziningi, ilayisense yakho imisiwe noma yahoxiswa ngenxa yecala lokushayela, isibonelo, DUI noma ukushayela budedengu. Ukungeza ukushayela ngelayisensi ehoxisiwe kuzokwengeza isikhathi sakho ngaphandle kwelayisense futhi kungaholela ekushayaneni.
Futhi, ungalindela ukuthi amanani akho omshuwalense akhuphuke. Ukushayela unelayisense emisiwe noma ehoxisiwe kuyabatshazwa abomshwalense njengoba bekubheka njengokuziphatha okuyingozi kakhulu, ngakho-ke lindela ukuthi amanani akho azokhuphuka.
Amanani angakhuphuka kalula noma kuphi phakathi kwamaphesenti angama-25 kuya kwangama-30 lapho inkampani yomshwalense ibona ukuthi uboshelwe ukushayela nelayisense emisiwe noma ehoxisiwe, kweluleka uSa El, ongumsunguli we-Simply Insurance.
Uma ilayisense lakho limiswa okwesikhashana noma lihoxisiwe isikhathi eside (cabanga izinyanga eziyisithupha kuya onyakeni noma ngaphezulu), lokhu kuzonezela ebuhlungwini bakho bomshuwalense. Uma ilayisense yakho imisiwe isikhathi eside, lindela umshwalense wakho ukuthi akhansele inqubomgomo yakho uma izwa ngokumiswa kwayo, ikushiye unegebe ekuhlanganisweni okuzoholela kumanani aphezulu uma ufaka isicelo sokutholakala futhi, kusho uPenny Gusner, umthengi umhlaziyi CarInsurance.com .
Linganisa idatha evela kwaCarInsurance.com ikhombisa ukuthi uzokhokha isilinganiso esilinganiselwe esingu-9-13 ngaphezulu sokutholakala uma ulahlekelwe yinqubomgomo yakho.
Ukuvumela umshayeli onelayisensi emisiwe ukushayela imoto yakho kuyiphutha elikhulu
Ngaphandle kokuthi usesimweni sephupho elibi lezezimali, ungalokothi uvumele umshayeli ongenayo imvume angene ngemuva kwesondo lemoto yakho.
Cishe kuzo zonke izimo, umshwalense wemoto ulandela imoto, hhayi umshayeli. Lokho kusho ukuthi uma umngani noma isihlobo sakho esingenalo ilayisense sithola ingozi ngemoto yaso, kuzoba ngumshwalense wabo osengozini.
Ngeshwa, njengoba umshayeli ongenalo ilayisense wayeshayela, inkampani yakho yomshuwalense isezingeni eliqinile lomthetho lokuphika isimangalo sakho, ikwenze ube nesibopho sezindleko zokulungisa noma ukufaka enye imoto yakho esikhundleni sayo.
Iningi lezinqubomgomo linomushwana othi ukuze ikhava isebenze, umshayeli kufanele abe nelayisense esemthethweni, kusho uGusner.
Uma ngabe umngani wakho ubenobungozi bengozi, kungenzeka ukuthi uqoqa isikweletu semoto somunye umuntu, izikweletu zezokwelapha, kanye nokuzivikela kwezomthetho uma omunye umshayeli enquma ukukumangalela. Futhi, ungathola ithikithi noma ngabe ungekho emotweni ngaleso sikhathi. Kwezinye izifundazwe, ungakhokhiswa uma ngokwazi uvumela umuntu ongenayo ilayisense yokushayela imoto yakho, kusho uGusner. Ungathola isikhathi sejele, izinhlawulo, nemoto yakho ingaboshwa, kuya ngemithetho yezwe.
Ungalindela ukwanda okukhulu ezindlekweni zakho zomshuwalense futhi kunethuba elihle lokuthi inkampani yakho yomshuwalense izomane ikhansele inqubomgomo yakho, engenza ukuthola inqubomgomo entsha kube yinselele futhi kubize.
Njengokukhahlela okokugcina ebhulukweni, amazwe amaningi azobamba imoto uma umshayeli ongenayo imvume ngemuva kwesitimela noma ingozi. Uzobe usukhokha izimali ezahlukahlukene ezibekwe abomthetho kanye nomnyango wezimoto ukukhipha imoto yakho endlini yezinja.
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