Ndifanele ndenze ntoni ukuba ndibethwe yimoto kwiholide eCarlifonia?

Ndifanele ndenze ntoni ukuba ndibethwe yimoto kwiholide eCarlifonia?
Ndifanele ndenze ntoni ukuba ndibethwe yimoto kwiholide eCarlifonia?
IAvatar kaLinda Hohnholz
Ibhalwe ngu Linda Hohnholz

Xa useholideyini, eyona nto yokugqibela ucinga ngayo malunga nokubethwa nokwenzakala kwiindlela zaseCalifornia njengokhenketho. Nangona kunjalo, iindlela zeGolden State inokuba yingozi, kwaye ingozi embi inokuthetha ukuba iholide yakho ngokuqinisekileyo iphelile. Ukwenzakala kwingozi engaphandle kombuso kunokubangela ukuba ube nentloko engaphaya kokulimala kwakho; ukujongana nabaqhubi, iinkampani zeinshurensi, kunye nokunyanzeliswa komthetho okusekwe kwindawo eyahlukileyo kunokuba yinto ephazamisayo kwaye edidayo. Ukongeza ekuthatheni amanyathelo alula emva kwengozi, kuhlala kuyingqondo elungileyo ukuqhakamshelana negqwetha lengozi yemoto yaseCalifornia ukubona ukuba ingaba unelungelo lokufumana imbuyekezo ngenxa yokulimala kwakho.

Yazisa abaphathi

Tsalela umnxeba ku-911 ngokukhawuleza ukunceda nabani na owonzakeleyo kule ngozi, kwaye xa abomthetho befika kwindawo leyo basebenzisane nabo ukunceda ekwenzeni ingxelo epheleleyo yengozi kwaye babhale okwenzekileyo.

Ukuba omnye umqhubi ushiye indawo yesiganeko kufuneka wazise amapolisa kwithuba elithile lexesha lokuxela hit kwaye abaleke. Kuya kufuneka uphinde uxele ingozi kwiSebe leZithuthi laseCalifornia zingaphelanga iintsuku ezili-10 ukuba umntu wenzakele okanye umonakalo wepropathi ungaphezulu kwe- $ 750- ukusilela ukwenza njalo kunokubangela ukunqunyanyiswa kwelayisensi yokuqhuba.

Fumana Unyango

Kubalulekile ukuba uvavanye unyango kwangoko nokuba uyakholelwa ukuba khange wenzakale. Olunye ukonzakala okunokubangelwa ziingozi zeemoto alubonisi zimpawu zeentsuku kodwa, njengoko kunjalo ngengozi yokwenzakala kwengqondo, kunokuba yingozi xa kunganyangwa. Ukongeza ekunyangeni umonzakalo wakho, uvavanyo lwezonyango luya kunceda ekubhaleni uhlobo, ubungakanani, kunye nonobangela wokonzakala kwakho okunokuba luncedo ekulandeleni ibango lakho lembuyekezo.

Ukuba ubusengozini yabahambi ngeenyawo, ukwenzakala kwakho kunokuba kubi kakhulu njengalo naluphi na uhlobo lwesithuthi esihambayo sikhulu kwaye sinzima kunawe. Qiniseka ukuba ubeka phambili ukufumana ukhathalelo kunye nemfuno oyifunayo ngaphambi kokuba uye ekhaya. Ukwenza njalo kuya kulomeleza ityala lakho njengoko amaqela aphikisayo eza kuqaphela ukuba ulindile de uye ekhaya okanye ubone ugqirha kwangoko kwaye uzame ukusebenzisa ezo nkcukacha ngokuchasene nawe.

Hlanganisa ubungqina

Ukuba kunokwenzeka, ukubhala ubungqina bengozi kunye nokulimala kwakho kunokunceda ukuseka isiphoso kunye nedola kumonakalo wakho. Ukuba unganako:

  • Fumana amagama, ulwazi lokunxibelelana, ulwazi lweinshurensi, kunye nolwazi lwelayisensi yokuqhuba kubo bonke abaqhubi
  • Fumana iinkcukacha zoqhakamshelwano ngawo nawaphi na amangqina
  • Thatha iifoto zomonakalo, indawo yengozi, ubungqina obubonakalayo njengamanqaku e-skid, kunye nolawulo lwezithuthi okanye imiqobo kuloo ndawo
  • Gcina iikopi zazo zonke iirekhodi zonyango, iikopi zeinshurensi, imali ebhatalwayo ebonisa ukungakwazi kwakho ukusebenza, inkcitho enxulumene nengozi kunye nokwenzakala kwakho, kunye nobunye ubungqina bengozi

Jonga ukuGcinwa kwe-Inshurensi yakho ngokuzenzekelayo kwaye wazise i-Inshurensi yakho

Ukuba uqhuba xa uphuma kwimeko yengozi yelizwe, uya kufuna ukufaka ibango kunye ne-inshurensi yakho emva kwengozi kodwa ulumke ungaphezi ukunika ingxelo ezirekhodiweyo ukuba kunokwenzeka - abatshutshisi bafuna ukuhlawula amabango ngexabiso eliphantsi kangangoko kunokwenzeka, ke amagama akho inokusetyenziswa nxamnye nawe. Sukuvuma impazamo, ucele uxolo, cingela iimpendulo okanye iinkcukacha, okanye uthob 'amanxeba ngokwenza izinto ezinje ngokuba "uyaphila"

Ukuba uqeshe isithuthi ukuba ujikeleze ngelixa useholideyini, unokufuna ukusebenza nomshuwalense wabo ukuba uthenge i-inshurensi yokugubungela eyongezelelweyo xa uqesha imoto yabo. Nangona kunjalo, khumbula kwiimeko ezininzi iinkampani zemoto eziqeshisayo azinakumangalelwa ngenxa yokulimala kwakho.

Kwaye ukuba ingozi yakho yenzekile ngeenyawo, igqwetha lakho liya kube lisebenza (okanye lisilwa) nenkampani yeinshurensi yeqela elinoxanduva lokukuhlawula.

Ngaba kufuneka ndihlale eCalifornia ukusombulula ibango lam?

Amanyathelo amaninzi afunekayo ukusombulula ibango le-inshurensi engaphandle korhulumente inokugqitywa xa ubuyile kwilizwe lakho. Ukuseta ibango, ngakumbi ukuba umntu wenzakele, kunokuba yinkqubo ende kunye nobunzima; Oko kuthetha ukuba emva kokuba ugqibile ngengxelo yengozi emva kwengozi kwaye ufumene naluphi na unyango olungxamisekileyo oluyimfuneko kukonzakala kwakho, kodwa ngaphambi kokuba ibango lakho lisonjululwe, iholide yakho iya kuphela.

Sukuba nexhala- nangona ingozi yenzekile eCalifornia, ungaliphatha ibango elivela kwelinye ilizwe. Nangona kunjalo, ukuba ibango le-inshurensi alinakusonjululwa ngokufanelekileyo, kuya kufuneka ufake isimangalo kumonakalo phantsi komthetho waseCalifornia. Nokuba ugqiba ekubeni uthathe isigqibo sokuvuma ukuhlawulwa kwe-inshurensi kwaye unikezele ngelungelo lokufaka isuti, sisenzo esihle sokugcina igqwetha lengozi yemoto yaseCalifornia elinamava okusingatha amabango einshurensi ukuphonononga nayiphi na intlawulo oyifumanayo, thethana egameni lakho, kwaye ndisebenzele ukufumana elona sibonelelo sikhulu sinokubakho.

Iimfuno ze-Inshurensi yaseCalifornia

Bonke abaqhubi baseCalifornia bayacelwa ngokusemthethweni ukuba baphathe i-inshurensi yemoto. Ubuncinci umqhubi ngamnye ekufuneka ephethe:

  • $ 15,000 umntu ngamnye ngokwenzakala komzimba,
  • $ 30,000 ngengozi iyonke yokwenzakala komzimba, kunye
  • $ 5,000 kumonakalo wepropathi.

Oku kuthetha ukuba ngaphandle kokuba umqhubi ukhethe ukuthenga ukogquma okungaphezulu, lelo lixa inkampani yeinshurensi yakho ifunekayo ukuhlawula ibango lakho. Ngethamsanqa, uninzi lwabaqhubi baphatha ngaphezulu kwaye le yinto esinokuhamba ngayo xa usigcinile.

Nxibelelana neGqwetha leengozi zeCarlifonia namhlanje

Ukuba ubethwe yimoto kwaye wonzakala useholideyini kwi-State State, unxibelelana no abanegqwetha elineengozi zemoto eCalifornia soloko ingumbono olungileyo. Nokuba awugqibi ukugcina iinkonzo zabo, ubuncinci unokwaziswa malunga namalungelo akho asemthethweni kunye nento ekufuneka uyenzile ukubakhusela. Iinkcukacha-manani zibonisa ukuba abantu abagcina iinkonzo zegqwetha lokwenzakala lomntu nangaluphi na uhlobo lokulimala okukhulu baqala ukuqokelela malunga namaxesha ama-2-3 ngaphezulu kwemali yebango labo. Igqwetha lingakunceda ufumane unyango, uvule kwaye usebenze onke amabango e-inshurensi, kwaye ufake isimangalo enkundleni (ukuba kukho imfuneko) ukukhulisa oko ukufumanayo ngeendleko zakho zonyango, ilahleko yengeniso, ukonakaliswa kwepropathi kunye noko kubizwa ngokuba "ngumonakalo jikelele" Oko kubandakanya ukubuyekeza wena iintlungu zomzimba kunye nokubandezeleka kunye nokuphazamiseka okwenzekileyo. Ngokucacileyo, ukonakaliswa kweholide yakho ngokubandakanyeka kwingozi yemoto akumnandi kwaye kuya kufuneka ubuyekezwe ngokufanelekileyo.

Malunga nombhali

IAvatar kaLinda Hohnholz

Linda Hohnholz

Umhleli oyintloko we eTurboNews esekwe kwi-eTN HQ.

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