Mayiko omwe ali ndi ngozi zambiri zagwape

Si zachilendo kuti eni magalimoto agunde nswala akuyendetsa. Kudziko lonse, mwayi wanu wogunda nswala ndi umodzi mwa 164 ndipo umawirikiza kawiri pa nyengo ya nswala (nthawi zambiri October mpaka December). Mu 2015, chiwopsezo cha kugundana kwamtundu wa gwape, mbawala, kapena mbozi chinali chimodzi mwa 169. Mu 2016, chiwerengerochi chinatsika pang’ono, ndipo ndalama za inshuwalansi za kugunda kwa nswala zinatsika ndi $140.

West Virginia imatsogolera dzikolo ngati dera lomwe mungakumane ndi nswala, ndi mwayi umodzi mwa 41, kukwera 7% kuyambira 2015. Montana, Pennsylvania, Iowa, ndi South Dakota ndi achiwiri ku West Virginia. maiko oyipa kwambiri pa ngozi za agwape.

Nawu mndandanda wathunthu wazomwe mungamenye gwape mukuyendetsa galimoto:

Kutheka kugundidwa ndi nswala ndi boma
State rating 2015-2016	dera	Kutheka kugundana ndi nswala 2015-2016	State rating 2014-2015	Kutheka kugundana ndi nswala 2014-2015	Kuchulukitsa kapena kuchepa
1	West Virginia	1 mu 41	1	1 mu 44	7% kuwonjezeka
2	Montana	1 mu 58	2	1 mu 63	9% kuwonjezeka
3	Pennsylvania	1 mu 67	4	1 mu 70	5% kuwonjezeka
4	Iowa	1 mu 68	3	1 mu 68	Palibe Kusintha
5	North Dakota	1 mu 70	5	1 mu 73	4% kuwonjezeka
6	Wisconsin	1 mu 77	6	1 mu 77	Palibe Kusintha
7	Minnesota	1 mu 80	7	1 mu 81	1% kuwonjezeka
8	Michigan	1 mu 85	10	1 mu 97	14% kuwonjezeka
8	Wyoming	1 mu 85	12	1 mu 100	18% kuwonjezeka
10	Mississippi	1 mu 87	8	1 mu 88	1% kuwonjezeka
11	North Dakota	1 mu 91	14	1 mu 113	24% kuwonjezeka
12	South Carolina	1 mu 93	9	1 mu 95	2% kuwonjezeka
13	Virginia	1 mu 94	10	1 mu 97	3% kuwonjezeka
14	Arkansas	1 mu 96	13	1 mu 101	5% kuwonjezeka
15	Kentucky	1 mu 103	14	1 mu 113	10% kuwonjezeka
16	North Carolina	1 mu 115	16	1 mu 115	Palibe Kusintha
17	Missouri	1 mu 117	17	1 mu 120	3% kuwonjezeka
18	Kansas	1 mu 125	18	1 mu 125	Palibe Kusintha
19	Georgia	1 mu 126	19	1 mu 128	2% kuwonjezeka
19	Ohio	1 mu 126	20	1 mu 131	4% kuwonjezeka
21	Nebraska	1 mu 132	25	1 mu 143	8% kuwonjezeka
22	Alabama	1 mu 135	21	1 mu 133	2% kuchepetsa
23	Indiana	1 mu 136	23	1 mu 142	4% kuwonjezeka
24	Maine	1 mu 138	28	1 mu 158	15% kuwonjezeka
25	Maryland	1 mu 139	22	1 mu 134	4% kuchepetsa
26	Idaho	1 mu 147	26	1 mu 146	1% kuchepetsa
26	Tennessee	1 mu 147	29	1 mu 170	16% kuwonjezeka
28	Delaware	1 mu 148	23	1 mu 142	4% kuchepetsa
29	Utah	1 mu 150	30	1 mu 195	30% kuwonjezeka
30	New York	1 mu 161	27	1 mu 159	4% kuchepetsa
31	Vermont	1 mu 175	30	1 mu 195	11% kuwonjezeka
32	Illinois	1 mu 192	33	1 mu 199	4% kuwonjezeka
33	Oklahoma	1 mu 195	32	1 mu 198	2% kuwonjezeka
34	New Hampshire	1 mu 234	35	1 mu 252	8% kuwonjezeka
35	Oregon	1 mu 239	35	1 mu 252	5% kuwonjezeka
36	New Jersey	1 mu 250	34	1 mu 234	6% kuchepetsa
37	Colado	1 mu 263	40	1 mu 304	16% kuwonjezeka
38	Texas	1 mu 288	39	1 mu 297	3% kuwonjezeka
39	Louisiana	1 mu 300	41	1 mu 335	12% kuwonjezeka
40	Washington	1 mu 307	42	1 mu 337	10% kuwonjezeka
41	Connecticut	1 mu 313	38	1 mu 293	6% kuchepetsa
42	Chilumba cha Rhode	1 mu 345	37	1 mu 264	24% kuchepetsa
43	Alaska	1 mu 468	44	1 mu 516	10% kuwonjezeka
44	New Mexico	1 mu 475	45	1 mu 518	9% kuwonjezeka
45	Massachusetts	1 mu 635	43	1 mu 443	30% kuchepetsa
46	Washington DC	1 mu 689	48	1 mu 1035	50% kuwonjezeka
47	Florida	1 mu 903	46	1 mu 930	3% kuwonjezeka
48	Nevada	1 mu 1018	49	1 mu 1134	11% kuwonjezeka
49	California	1 mu 1064	47	1 mu 1048	9% kuchepetsa
50	Arizona	1 mu 1175	50	1 mu 1334	14% kuwonjezeka
51	Hawaii	1 mu 18955	51	1 mu 8765	54% kuchepetsa
Avereji yaku US	1 mu 164	1 mu 169	3% kuwonjezeka

Momwe kugundidwa ndi nswala kumakhudza inshuwaransi yagalimoto yanu

Malinga ndi State Farm, pafupifupi $ 3,995 mu 2016, kutsika kuchokera $4,135 mu 2015. Kuwonongeka kwa kugundana ndi nswala kumaphimbidwa ndi inshuwaransi yokwanira, zomwe sizoyenera. Inshuwaransi yokwanira imakhudzanso kuba, kuwononga, matalala, moto ndi zochitika zina zomwe zimaganiziridwa kuti simungathe kuzilamulira. Zodandaula zovuta nthawi zambiri sizikukweza mitengo yanu pokhapokha mutapereka madandaulo owonjezera posachedwa.

Ngati mutapatuka kuti mupewe kugunda nswala ndikupambana koma kugwa (mwinamwake mwagunda mtengo m'malo mwake), kuwonongeka kumeneku kumaphimbidwa ndi inshuwaransi yakugundana. Ngati galimoto yanu silumikizana ndi nswala, kuwonongeka kumatengedwa ngati kugundana chifukwa munagunda galimoto ina kapena chinthu (kapena kugudubuza galimoto yanu).

Deer ndi nyama zakuthengo zomwe muyenera kuzisamala - ngakhale nswala yaing'ono imatha kuwononga galimoto yanu pangozi. Ndipo ngakhale mwayi wanu uli wapamwamba kwambiri m'maboma omwe tawatchula pamwambapa, agwape amapezeka paliponse, osati kumidzi kokha. Mluzu wochenjeza nswala ukhoza kukupatsani chitetezo chowonjezera pamene chimapereka chitetezo china. Muyenera kukhala tcheru nthawi zonse kuopseza agwape ndi kuyendetsa mosamala nthawi zonse.

Nkhaniyi idasinthidwa ndi chilolezo cha carinsurance.com: http://www.carinsurance.com/Articles/odds-of-hitting-deer.aspx