Ngingayivikela kuphi imoto yami ngaphandle kwelayisense e-United States?

Ngingayivikela kuphi imoto yami ngaphandle kwelayisense e-United States? Umshwalense wemoto ongenamalayisense e-USA . Kungani ungadinga umshuwalense wemoto uma ungenayo ilayisense? Ngokomthetho, awudingi ilayisense yokushayela ukuze uthenge imoto. Ungathenga imoto njengesipho futhi ufuna ukuyiqinisekisa ngenkathi ulinde umcimbi.

Ungayithola kanjani umshuwalense wemoto ngaphandle kwelayisense?

Kepha akulula ukuthenga umshuwalense wemoto ngaphandle kwezincwadi zokushayela. Abomshwalense basebenzisa le nombolo ukuhlola irekhodi lakho lokushayela futhi bahlole ukuthi ungumshayeli onobungozi obukhulu yini. Baphinde bakhathazeke ngokuthi bazobambeka yini ekukhokheleni izikweletu ngengozi uma uthatha isinqumo sokushayela ungenazo izincwadi.

Ngenxa yale ngozi eyengeziwe, kungadingeka ukuthi ubheke ngaphesheya kwezinkampani zomshuwalense ezihloniphekile ukuthola umshwalense ongekho ejwayelekile ozimisele ukukuqasha.

I-A-Abana Auto Insurance

I-A-Abana Auto Insurance futhi inikeza izinketho ezinhle zomshwalense wemoto yakho, akukhathalekile ukuthi unazo noma cha izincwadi zokushayela .

Ngale ndlela, esimweni esidabukisayo sokuthi uhileleke engozini yemoto, i-A-Abana Auto Insurance izokhipha umonakalo kuze kufike kumkhawulo wezimali ezitholakalayo kunqubomgomo yakho, okungangabazeki usizo olukhulu kulezi zimo ezinzima .

Umshuwalense Wezimoto

Umshuwalense Wezimoto kungenye indlela elula yokuqinisekisa imoto ngaphandle kwelayisense.

Ungaqasha izinsizakalo zabo ezindaweni ezinjengeCalifornia, Illinois, New Jersey, Pennsylvania, Colorado, Arizona, New York, phakathi kwabanye.

Auto Insurance ikuvumela thola ipholisi yomshwalense ngaphandle kwesidingo sokwethula izincwadi zokushayela ngokuphelele mahhala, ngokufaka nje iplatifomu yabo yewebhu bese ucela isilinganiso samahhala.

Ngalokhu, uzodinga ukuqedela ifayela le- ifomu lapho uzocelwa ukuthi unikeze imininingwane yakho siqu , njengegama lakho eliphelele, inombolo yakho yocingo, nekheli lakho le-imeyili. Kamuva ungakhetha inketho yomshuwalense wemoto, kanye nezwe lakho ekugcineni ukucaphuna inqubomgomo yakho.

Umshuwalense we-Dulcinea

Umshuwalense we-Dulcinea kungenye yezinketho ezinhle kakhulu. Le nkampani izokwenza inikeza izinqubomgomo zomshwalense nganoma yisiphi isimo osidingayo , ngaphandle kwesidingo sokuletha izincwadi zokushayela.

Le nkampani yomshuwalense Ikomkhulu layo lisedolobheni laseMiami .

Iphinde ihlanganise ezinye izimo ezifana ukuvikelwa ekulimaleni kwempahla noma ukulinyazwa kwabantu besithathu nezindleko zezokwelapha noma zomngcwabo, akukhathalekile ukuthi ngubani obhekene nengozi.

Lokhu kuyindlela enhle uma uzibuza ngingayivikela kuphi imoto yami ngaphandle kwemvume.

Ngenxa yalezi zinkampani, ungayivikela kalula imoto yakho ngaphandle kwelayisense yokushayela. Ngakho-ke unganqikazi ukubheka amanani abo kanye nezinsizakalo uma kwenzeka ufuna ukusebenzisa izinsizakalo zabo.

Nazi izindlela eziphezulu zokuthola umshuwalense wemoto uma ungenayo ilayisense yokushayela:

Igama lesilawuli esiyinhloko esinelayisense

Ungangeza umuntu kunqubomgomo yakho uma behlala kukheli lakho, benelayisense evumelekile, futhi behlobene nawe.⁷Ungabelana nenqubomgomo nomuntu ohlala naye onelayisense.⁸Abanye abahlinzeki bazokunikeza umshuwalense wemoto uma ubiza umuntu onelayisense njengomshayeli oyinhloko. Abanye bazofuna nokuthi uzibandakanye njengomshayeli ongafakwanga ukuze uma udala ingozi ngemuva kwesondo, inkampani yomshwalense ingathwali cala.⁹

Ngokuvamile, awukwazi ukwengeza umuntu ongahlali nawe futhi ongahlobene nawe kunqubomgomo yakho.⁷Kumalungu omndeni ahlala emakhelini ahlukene, kungcono ukushayela inkampani yomshwalense ukubona ukuthi yini evunyelwe.

Yenza umshayeli onelayisense abe ngomunye wabanikazi

Ukungeza omunye umuntu onelayisensi kusihloko semoto yakho kuyisixazululo esihle semoto ekhokhelwayo. Ngaphandle kwalokho, ababolekisi abaningi babamba isihloko kuze kube yilapho imali mboleko ikhokhwe ngokuphelele, futhi bangakucela ukuthi uthole imvume yabo yokwengeza omunye wabanikazi kusihloko.¹⁰Noma umbolekisi wakho ekuvumela, ezinye izinkampani zomshuwalense zinikeza umshuwalense kuphela kulowo ophethe imalimboleko yemoto.

Thola inqubomgomo yemoto emile

Uma imoto yakho izohlala egalaji noma endaweni yokugcina, ungakwazi ukuqeda ukushayisana nokutholakala kwesikweletu ngokugcina ukufakwa okuphelele kuphela.^{ishumi nanye}Lokhu kumbozwa kunikeza umshwalense ngokulwa nokwebiwa, umlilo nezinye izingozi ezingenzeka emotweni egciniwe. Kodwa-ke, ungeke ukwazi ukwenza lolu shintsho uma usaxhasa imoto yakho ngezimali ngoba ababolekisi bangadinga ukuthi uphathe izembozo ezithile.^{ishumi nanye}

Ngubani Odinga Umshwalense Wezimoto Ongenayo Imvume?

Nawa amanye amacala angadinga ukuthi ube nomshwalense wemoto, noma ngabe awunazo izincwadi zokushayela.

Udinga umshayeli ozokuhambisa:

Ungahle ungakwazi ukuvuselela ilayisense lakho ngenxa yezinkinga zezempilo, kepha usafuna ukugcina isihloko semoto egameni lakho ngenkathi umshayeli ekuyisa lapho kufanele uye khona. Uma uthola ipholisi elungile, noma ngabe kungumuntu ohlukile kunalowo oshayelayo, umshwalense uzohlanganisa izingozi nokulimala lapho omunye umuntu eshayela ngoba izinqubomgomo zomshwalense zilandela imoto, hhayi umshayeli.¹Ukuba nomshayeli kwehlukile kunokuthola umuntu okushayela ekhaya, okungahle kungadingi ukuthi ube nomshuwalense (ngaphezulu kwalokho ngokuhamba kwesikhathi).

Futhi, zonke izifundazwe zidinga ukuthi ukhombise ukuthi ungathatha umthwalo wezezimali ngomonakalo noma isikweletu uma kwenzeka ingozi emotweni okungeyakho.²Lokho kungenxa yokuthi izingozi zingadla imali yesihlengo senkosi - Abahlinzeki bezimoto ezimbili babiza isilinganiso esingu- $ 9,000. Kuthiwani uma kukhona ukulimala? Lokho isilinganiso sama- $ 23,000 umuntu ngamunye olimele. Uma othile efa, lezo zilinganiso zikhuphukela ku- $ 1.66 wezigidi.³

Yiba nabashayeli abasebasha:

Umzali angayithengela ingane yakhe eyeve eshumini nambili, kepha ufuna ukuyilawula ngokomthetho imoto kuze kube yilapho ingane yakhe ifinyelela eminyakeni ethile noma izinguquko ezisuka kumshayeli wesitshudeni ziye kwelayisensi.

Unemoto endala:

ungavikela imoto yomqoqi wakho noma yemoto ephezulu ekulweni nokwebiwa.

Unelayisense yesikhashana:

ezinye izifunda zidinga ukuthi uthole imvume yokufunda njengomuntu omdala ngaphambi kokufaka isicelo selayisense lakho.⁴Ezinye izinkampani zikuvumela ukuthi uvikele imoto yakho uma unelayisensi yesikhashana futhi uzama ukuthola ilayisense yokushayela.

Ufuna ukugwema igebe lokumboza:

Izikhala zokumboza zingakhuphula amazinga akho omshwalense lapho uthenga umshwalense futhi.⁵

Ilayisensi yakho yamiswa okwesikhashana noma yahoxiswa:

Umbuso noma inkantolo ingayalela ukufaka i-SR-22 noma i-FR-44 ukuthi ibuyiselwe ilayisense yakho uma imisiwe.⁶Le mibhalo ifakazela ukuthi unomshuwalense odingwa ngumthetho esifundazweni sakho. Uma ilayisense yakho yahoxiswa, ungahle ufune umshwalense wemoto opakiwe ngoba imoto ingutshalomali olukhulu. Kunengqondo ukuyivikela ngenkathi isezandleni zakho noma ulinde ukudluliselwa komunye umuntu.

Yiziphi izinkampani ezinikeza umshuwalense wemoto ngaphandle kwelayisense?

Sibize abomshwalense abahlanu bakazwelonke ngenkonzo yamakhasimende. AbakwaState Farm noLiberty Mutual basitshele ukuthi sizodinga ilayisense yokushayela efanelekile ukuthola umshwalense wemoto ezimeni ezahlukahlukene. I-Progressive ne-Nationwide yayinezinketho ezimbalwa; Bathe, ngokwesibonelo, bangasinikeza umshuwalense wemoto kumzali osekhulile ongenayo imvume uma omunye umuntu ebalwa njengomshayeli owengeziwe kule nqubomgomo. U-Allstate usiyalele ukuthi sikhulume nabenzeli bendawo ukuze sixoxe ngamathuba, kepha waqinisekisa ukuthi asikwazi ukuthola umshwalense wezimoto nelayisense yesikhashana nje.

Kungcono ushayele abomshwalense ngqo ukuze ubone ukuthi bayawuvumela yini umshuwalense esimweni sakho. Ngeke ukwazi ukuthola izingcaphuno ezinembile online ngaphandle kwenombolo yelayisense yokushayela.

Isinyathelo 1: Shayela umnyango wezimoto wangakini uqinisekise ukuthi imaphi amadokhumenti ozowadinga ukuthenga imoto engenazo izincwadi.

Isinyathelo 2: Shayela abomshwalense bezimoto ukuze uqiniseke ukuthi uthola umshuwalense futhi uthole ukuthi yini abayidingayo.

Isinyathelo 3: Shayela umthengisi wangakini ubazise ukuthi unentshisekelo yokuthenga imoto ngaphandle kwelayisense. Ungacelwa ukuthi usebenze nomphathi wezentengiso ekuthengeni kwakho.

Imibuzo evame ukubuzwa yomshwalense wokushayela

Ngabe abashayeli abangenawo amalayisense bambozwe umshwalense?

Abashayeli abangenawo amalayisense abambozwa umshwalense wemoto. Uma uvumela umshayeli ongenalayisense asebenzise imoto yakho bese eba nengozi, isimangalo sakho singaphikwa kakhulu. Uma ungumshayeli ongenayo ilayisense ufuna umshwalense wemoto yakho ongahlelile ukuyishayela, enye indlela ukuthenga umshuwalense wabashayeli ongenazo izincwadi.

Ngingathola muphi umshwalense wemoto ngaphandle kwelayisense?

Ungahle ukwazi ukuthola ukumbozwa okuphelele ngaphandle kwelayisense inqobo nje uma ufaka umuntu onelayisense njengomshayeli oyinhloko. Ungadinga futhi ukuthi ubhalwe njengomshayeli ongafakwanga kumgomo womshwalense wezimoto.

Ungayibhalisa futhi uyiqinisekise ngemoto ngaphandle kwemvume?

Imvamisa awukwazi ukubhalisa imoto ngaphandle kwelayisense nobufakazi bomshuwalense. Ezinye izinkampani zomshuwalense zizoyikhokhela imoto yakho noma ngabe awunayo ilayisense, inqobo nje uma omunye umuntu efakwa kuhlu njengomshayeli oyinhloko. Ukuze wenze lokhu, kungadingeka ukuthi uqondise lo muntu emotweni yakho bese uzibeka ohlwini lomshayeli okhishiwe.

Ngabe bonke abashayeli abanamalayisense badinga umshuwalense?

Umshwalense uboshelwe ezimotweni hhayi kubantu. Zonke izimoto kumele zibe nomshwalense. Uma unelayisense kodwa ungenayo imoto, awudingi umshuwalense. Kodwa-ke, kufanele kumenyezelwe kumshwalense wanoma yiliphi ilungu lomndeni ohlala nalo.

Kunezinqubomgomo zomshuwalense wezimoto ezingezona ezomnikazi ongazithenga ezinikeza ukumbozwa kwesikweletu noma kunini lapho uboleka imoto yomunye umuntu noma uqasha imoto.

IVirginia neNew Hampshire yizindawo lapho umshwalense wezimoto ungadingeki khona.

Ngingayithenga imoto ngiyivikele ngenqubomgomo yomunye umuntu?

Kungenzeka ukuthi uvikele imoto okungeyona eyakho uma umuntu onemoto engezwa njengenzalo eyengeziwe kwinqubomgomo. Akubona bonke abahlinzeki bomshuwalense wezimoto abanikela ngale ndlela. Uma uhlela ukuthi omunye umuntu avikele imoto yakho, ungahle uthande ukuyibiza ngemoto egameni lakho.

Uma uqinisekisa imoto yakho ngomshuwalense womunye umuntu, kufanele wenze imininingwane yesimo sakho icace bha enkampanini yomshuwalense. Ngenkathi omunye umuntu engaba umphathi wenqubomgomo oyinhloko, uzodinga ukuvela kunqubomgomo njengomunye umshayeli noma njengomshayeli okhishwe ngokukhethekile (uma ungahleleli ukushayela imoto). Khumbula ukuthi akubona bonke abahlinzeki abazonikela ngokubhala inqubomgomo yomshuwalense yabashayeli abangenazo izincwadi.

Isifinyezo:

Ukuthola umshuwalense wemoto ngaphandle kwelayisense akunakwenzeka, kepha kungadingeka ukuthi uthinte izinkampani ezithile zomshuwalense ngaphambi kokuthola ezokusebenzela. Uma unezinkinga ngabashuwalense bakazwelonke, abomshwalense abancane noma bendawo abagxile emshuwalense ongajwayelekile bangavuma ukusiza.

Imithombo ye-athikili

1. I-Insurance Information Institute (III). Izinganekwane eziyi-8 mayelana nomshwalense wemoto . Ukufinyelela kokugcina: Okthoba 9, 2020.
2. III. Kusemthethweni yini ukushayela ngaphandle komshwalense? , Kufinyelelwe ngo-Okthoba 9, 2020.
3. UMkhandlu Wokuphepha Kazwelonke. Izindleko . Ukufinyelela kokugcina: Okthoba 9, 2020.
4. Isishayamthetho saseWashington State. Isifinyezo Sombuso-Ngombuso: Izidingo Zemfundo Yomshayeli, Ukususwa Kwe-inthanethi ku-Inthanethi, Izidingo Zangemva Kwe-18 . Ukufinyelela kokugcina: Okthoba 9, 2020.
5. Umsuka Umshuwalense Co. Kwenzekani lapho umshwalense wemoto uphela? , Kufinyelelwe ngo-Okthoba 9, 2020.

Okuqukethwe

• Ungayithola kanjani umshuwalense wemoto ngaphandle kwelayisense?
• I-A-Abana Auto Insurance
• Umshuwalense Wezimoto
• Umshuwalense we-Dulcinea
• Igama lesilawuli esiyinhloko esinelayisense
• Yenza umshayeli onelayisense abe ngomunye wabanikazi
• Thola inqubomgomo yemoto emile
• Ngubani Odinga Umshwalense Wezimoto Ongenayo Imvume?
• Udinga umshayeli ozokuhambisa:
• Yiba nabashayeli abasebasha:
• Unemoto endala:
• Unelayisense yesikhashana:
• Ufuna ukugwema igebe lokumboza:
• Ilayisensi yakho yamiswa okwesikhashana noma yahoxiswa:
• Yiziphi izinkampani ezinikeza umshuwalense wemoto ngaphandle kwelayisense?
• Imibuzo evame ukubuzwa yomshwalense wokushayela
• Isifinyezo:

• Umshwalense wemoto oqhubekayo - konke odinga ukukwazi
• Kubiza malini ukupenda imoto?
• Ungayibhalisa kanjani imoto ku-dmv
• Wazi kanjani ukuthi imoto yebiwe?
• Kubiza malini ukubhalisa imoto ku-NY?
• Ngabe imoto exhaswe ngemali ingabuyiselwa kumthengisi?