Momwe Kuyendetsa Moledzera Kumakhudzira Mitengo ya Inshuwaransi Yagalimoto

Madalaivala ogwidwa akuyendetsa galimoto ataledzera kapena kugwiritsa ntchito mankhwala osokoneza bongo amakumana ndi zotsatirapo zingapo. Zotsatirazi zimasiyana malinga ndi dera lomwe chigamulocho chinaperekedwa, koma pafupifupi nthawi zonse chimaphatikizapo chindapusa, kuyimitsidwa kwa laisensi yanu yoyendetsa galimoto komanso kuwonjezeka kwakukulu kwa mitengo ya inshuwaransi yamagalimoto, komanso chizindikiro chazaka zambiri pa mbiri yanu yoyendetsa. Komabe, pali njira zochepetsera kukhudzidwa kwa kukhudzidwa kwa galimoto yoledzera pa ndalama zomwe mumalipira inshuwalansi ya galimoto.

DWI, OUI, DUI, DWAI, OVI: akutanthauza chiyani ndipo amasiyana bwanji

Pali mawu ambiri okhudzana ndi kuyendetsa galimoto mutagwiritsa ntchito chinthu cholamulidwa. Mawu monga kuyendetsa galimoto ataledzera (DUI), kuyendetsa galimoto ataledzera (DWI), kapena kuyendetsa galimoto ataledzera (OUI) nthawi zambiri amakhudza kuyendetsa galimoto ataledzera kapena kumwa mankhwala osokoneza bongo, koma amatanthauzira mosiyana pang'ono m'madera osiyanasiyana.

M'mayiko ena, kuyendetsa galimoto moledzera kumadziwika ngati kuyendetsa galimoto moledzera, koma kuphwanya chamba kapena mankhwala ena osokoneza bongo kumaonedwa kuti ndi galimoto yoledzera. Mayiko ena amatanthauzira DUI ndi DWI ngati kuphwanya padera, pomwe DUI ndi mtengo wocheperako kuposa DWI.

Pazolinga za nkhaniyi, DUI idzagwiritsidwa ntchito ngati mawu afupipafupi a DWI, OVI, ndi OUI.

Chilolezo choyimitsidwa kapena kuthetsedwa

Kuyimitsidwa kwa laisensi yoyendetsa pafupifupi nthawi zonse kumatsagana ndi chigamulo choyendetsa galimoto ataledzera. Malamulo a boma amasiyana malinga ndi kutalika kwa kuyimitsidwa kumeneku, koma nthawi zambiri kumakhala pakati pa miyezi itatu ndi isanu ndi umodzi.

Izi zitha kuchitika m'njira ziwiri: bungwe loyendetsa magalimoto m'boma limayimitsa laisensi yanu kapena kuyimitsa laisensi yanu.

Kukanika kuyezetsa mowa wamagazi kapena kuyezetsa magazi panthawi yoyimitsa magalimoto kudzachititsa kuti chiphaso chanu choyendetsa galimoto chiyimitsidwe, mosasamala kanthu za chigamulo chanu choyendetsa galimoto mutaledzera. Choncho, mofanana ndi kuyimitsa kulikonse, ndi bwino kuchita zomwe mkuluyo akunena.

Zimatengera malamulo a boma komanso momwe zinthu ziliri, koma madalaivala ataledzera koyamba atha kubweza ziphaso zawo pakangotha ​​masiku 90. Nthaŵi zina woweruza amaika ziletso, monga ngati kupita ndi kubwerera kuntchito kwa wolakwayo amene waswa malamulo apamsewu. Obwerezabwereza atha kukumana ndi zilango zokhwima, monga kuyimitsidwa laisensi kwa chaka chimodzi kapena kuposerapo, kapena kuthetsedwa kwa laisensi mpaka kalekale.

Kodi kuyendetsa galimoto ataledzera kumawononga ndalama zingati

Kuwonjezera pa kukhala woopsa kwambiri, kuyendetsa galimoto utaledzera kapena kuledzera kumakweranso kwambiri. Mlandu woyendetsa galimoto utaledzera umaphatikizapo chindapusa, chindapusa, ndi zolipiritsa zamalamulo zomwe mudzayenera kulipira kuchokera m'thumba lanu. “Ku Ohio, mlandu woyamba woyendetsa galimoto utaledzera ungawononge $7,000 kapena kuposerapo,” akutero Michael E. Cicero, loya wa zamagalimoto a Nicola, Gudbranson & Cooper ku Cleveland. Cicero akuwonetsa ndalama zingapo zomwe madalaivala ku Ohio angayembekezere ngati atapezeka kuti ali ndi mlandu woyendetsa ataledzera:

• Zabwino kuchokera ku 500 mpaka 1,000 dollars
• Mtengo walamulo kuchokera ku 120 mpaka 400 madola.
• Nthawi yoyeserera, $250
• Pulogalamu yoyendetsa oyendetsa m'malo mwandende, $300 mpaka $400.
• Mtengo walamulo kuchokera ku 1,000 mpaka 5,000 madola.

Mmene Kuyendetsa Moledzera Kumakhudzira Inshuwaransi

Kuphatikiza pa chindapusa ndi chindapusa, ndalama za inshuwaransi yagalimoto yanu zidzakwera mutayendetsa galimoto moledzera. Kuchuluka kwawo kumadalira kumene mukukhala, koma madalaivala oimbidwa mlandu woyendetsa galimoto ataledzera ayenera kuyembekezera kuti mitengo yawo idzawonjezereka kuŵirikiza kaŵiri.

Penny Gusner, wopenda za ogula pa Insure.com, anati: “Kuyendetsa moledzera kokha kungakweze mitengo ya inshuwalansi ya galimoto yanu ndi 40 mpaka 200 peresenti. Ku North Carolina, ndizo 300 peresenti yowonjezera. "

Mitengo ya inshuwaransi yoyendetsa moledzera ndi boma

Malamulo a dziko limene mukukhala amakhudza kwambiri mitengo ya inshuwalansi ya galimoto, ndipo kukweza mtengo wanu woyendetsa galimoto mwaledzera sikusiyana. Ngakhale kuyendetsa moledzera sikunachitike m'boma lomwe mukukhala, kumakutsatirani kunyumba. Gome ili likuwonetsa kuchuluka kwa mitengo ya inshuwaransi yamagalimoto pambuyo pa DUI m'boma lililonse:

Kuwonjezeka kwapakati kwa mitengo ya inshuwaransi yamagalimoto pambuyo poyendetsa moledzera
dera	Avereji yapachaka	Imwani kubetcha pagalimoto	Mtengo wowonjezera	% Wonjezani
AK	$1,188	$1,771	$583	49%
AL	$1,217	$2,029	$812	67%
AR	$1,277	$2,087	$809	63%
AZ	$1,009	$2,532	$1,523	151%
CA	$1,461	$3,765	$2,304	158%
CO	$1,095	$1,660	$565	52%
CT	$1,597	$2,592	$995	62%
DC	$1,628	$2,406	$778	48%
DE	$1,538	$3,113	$1,574	102%
FL	$1,463	$2,739	$1,276	87%
GA	$1,210	$1,972	$762	63%
HI	$1,104	$3,112	$2,008	182%
IA	$939	$1,345	$406	43%
ID	$822	$1,279	$457	56%
IL	$990	$1,570	$580	59%
IN	$950	$1,651	$701	74%
KS	$1,141	$1,816	$675	59%
KY	$1,177	$2,176	$999	85%
LA	$1,645	$2,488	$843	51%
MA	$1,469	$2,629	$1,160	79%
MD	$1,260	$1,411	$151	12%
ME	$758	$1,386	$628	83%
MI	$2,297	$6,337	$4,040	176%
MN	$1,270	$2,584	$1,315	104%
MO	$1,039	$1,550	$511	49%
MS	$1,218	$1,913	$695	57%
MT	$1,321	$2,249	$927	70%
NC	$836	$3,206	$2,370	284%
ND	$1,365	$2,143	$778	57%
NE	$1,035	$1,759	$724	70%
NH	$865	$1,776	$911	105%
NJ	$1,348	$2,499	$1,151	85%
NM	$1,125	$ 1,787	$661	59%
NV	$1,113	$1,696	$582	52%
NY	$1,336	$2,144	$808	60%
OH	$763	$1,165	$402	53%
OK	$1,405	$2,461	$1,056	75%
OR	$1,110	$1,737	$627	56%
PA	$1,252	$1,968	$717	57%
RI	$2,117	$3,502	$1,385	65%
SC	$1,055	$1,566	$511	48%
SD	$1,080	$1,520	$439	41%
TN	$1,256	$2,193	$937	75%
TX	$1,416	$2,267	$851	60%
UT	$935	$1,472	$537	57%
VA	$849	$1,415	$566	67%
VT	$900	$1,392	$492	55%
WA	$1,075	$1,740	$666	62%
WI	$863	$1,417	$554	64%
WV	$1,534	$2,523	$988	64%
WY	$1,237	$1,945	$708	57%
United States	$1,215	$2,143	$928	76%
Zomwe zatengedwa kuchokera ku http://www.insurance.com

Momwe mungapezere inshuwaransi yotsika mtengo ya DUI

Mukuyang'ana inshuwaransi yagalimoto yotsika mtengo pambuyo pokhudzidwa ndi galimoto yoledzera? Tsoka kwa inu. Ndizosapeŵeka kuti mitengo yanu ikwera, koma ngati mutagula mozungulira mungapeze njira yotsika mtengo. Kampani iliyonse ya inshuwaransi imawerengera kuopsa kwake mosiyanasiyana: ena amatha kusiya omwe ali ndi malamulo omangidwa chifukwa choyendetsa galimoto ataledzera, pomwe ena amakhala ndi mapulani apadera a anthu omwe amayendetsa galimoto ataledzera. Kuchita kafukufuku ndi kugula mozungulira ndi njira yabwino yowonetsetsa kuti mukulipira mtengo wabwino kwambiri wa inshuwalansi ya galimoto. Izi zitha kupanga kusiyana kwa madola masauzande angapo pachaka.

Kodi DUI imakhala nthawi yayitali bwanji palayisensi yanu yoyendetsa?

Mofanana ndi chindapusa chomwe mungakumane nacho, utali wotsimikiza kuti mumayendetsa galimoto mwaledzera kumakhalabe kwanthawi yayitali bwanji m'mbiri yanu yoyendetsa kumasiyana malinga ndi mayiko. Monga lamulo, zimakhala pa laisensi yanu yoyendetsa kwa zaka zosachepera zisanu, koma m'maiko ambiri ndi nthawi yayitali. Ku New York ndi California, kuyendetsa moledzera kumakhalabe pa mbiri yanu kwa zaka 10, ndipo ku Iowa nthawi yayitali: zaka 12.

Kodi kuyendetsa galimoto moledzera kumakhudza nthawi yayitali bwanji?

Apanso, dziko lomwe chigamulochi chinachitika zimakhudza nthawi yayitali bwanji mitengo ya inshuwalansi ya galimoto yanu idzakhudzidwa. Malingana ngati ali muzochitika zanu zoyendetsa galimoto, adzakweza mitengo yanu. Chinsinsi chochepetsera mitengo pang'onopang'ono kukhala yokhazikika ndikusunga mbiri yoyendetsa bwino. "Mungathe kubwezeretsanso laisensi yanu yoyendetsa galimoto kuti musonyeze kuti mwaphunzira pa zolakwa zanu ndipo ndinu woyendetsa bwino," akutero Gusner. "Pakapita nthawi, mitengo yanu idzayamba kutsika. Zitha kutenga zaka zitatu kapena zisanu kapena zisanu ndi ziwiri, koma ukafika kumeneko. DUI ikachotsedwa ku mbiri yanu, gulani ndikuyerekeza mitengo ya inshuwaransi kuti muwone ngati mungapeze mtengo wabwinoko kuchokera kwa wothandizira wina.

Kusamalira chitetezo chagalimoto pambuyo pa DUI

Ndikofunikira kukhalabe ndi inshuwaransi yagalimoto ngakhale chiphaso chanu chitayimitsidwa pambuyo pa chigamulo choyendetsa galimoto. Izi ndichifukwa choti ma inshuwaransi amaganizira zachitetezo chokhazikika posankha mitengo yanu. Ngati mupitirizabe kubisala popanda mipata, mudzatha kulipira mtengo wotsika, choncho ndi nzeru kupitiriza kulipira ngakhale simungathe kuyendetsa galimoto. Ngati chiphaso chanu chayimitsidwa kwa chaka chimodzi ndipo simukulipirira inshuwaransi panthawiyo, zolemba zanu za inshuwaransi zidzakhala zakuthambo mukayambanso kugula inshuwaransi.

“Ngati muli ndi galimoto ndipo anthu adzakuyendetsani, funsani ngati kampani yanu ya inshuwaransi ikulolani kuti muwonjezere munthu amene angakuyendetseni monga dalaivala wamkulu, kusiyapo inuyo. Ndondomekoyi idzakhalabe m'dzina lanu, kotero mwaukadaulo palibe kusiyana," akutero Gusner.

Komabe, ma inshuwaransi ena okha ndi omwe angalole izi, kotero kuti zingatenge khama kuti mupeze amene ali wokonzeka kulandira pempho lanu.

Zonse za SR-22

Madalaivala oimbidwa mlandu woyendetsa galimoto ataledzera, kuyendetsa galimoto mosasamala, kapena kuyendetsa galimoto popanda inshuwalansi kaŵirikaŵiri amalamulidwa ndi khoti kuti azinyamula inshuwalansi zimene zimaposa zimene boma likufuna. Madalaivala awa ayenera kutsimikizira malire a inshuwaransi awa chiphaso chawo chisanabwezeretsedwe, chomwe chimakwaniritsidwa ndi SR-22.

SR-22 ndi chikalata chomwe kampani yanu ya inshuwaransi ikuyenera kutumiza ku State Department of Motor Vehicles kutsimikizira kuti muli ndi inshuwaransi yokwanira. Ngati muphonya malipiro, letsani ndondomeko yanu, kapena mulole kuti ntchito yanu ithe, SR-22 idzachotsedwa ndipo layisensi yanu idzayimitsidwanso.

"Ngati SR-22 ikufunika, onetsetsani kuti inshuwaransi yanu idziwe chifukwa si onse a inshuwaransi omwe amalemba fomu," akutero Gusner.

Inshuwaransi ya Non-Owner's SR-22

Inshuwaransi ya SR-22 kwa omwe si eni ikhoza kukhala njira yabwino yosungitsira chitetezo ngati mulibe galimoto. Ndondomekozi zimafuna kuti musakhale ndi mwayi wopita ku galimoto nthawi zonse, koma perekani ndalama zothandizira, choncho inshuwalansi yamtunduwu nthawi zambiri imakhala yotsika mtengo kusiyana ndi ndondomeko yokhazikika.

Nkhaniyi idasinthidwa ndi chilolezo cha carinsurance.com: http://www.carinsurance.com/how-do-points-affect-insurance-rates.aspx