Kamoo ho Khanna a Tahiloe ho Amang Litefiso tsa Inshorense ea Auto
Tse ka hare
- DWI, OUI, DUI, DWAI, OVI: li bolela'ng, 'me li fapana joang?
- Laesense ea ho khanna e emisitsoeng kapa e hlakotsoe
- Ke bokae ho khanna u noele
- Kamoo ho Khanna a Tahiloe ho Amang Inshorense
- Litefiso tsa inshorense ea ho khanna u noe ka naha
- Mokhoa oa ho fumana inshorense ea DUI e tlase
- DUI e lula nako e kae lengolong la hau la ho khanna?
- Ho khanna u tahiloe nako e kae ho ama litefiso tsa inshorense ea koloi
- Ho boloka tšireletso ea koloi ka mor'a DUI
- Tsohle ka SR-22
- Inshorense ea bao e seng Beng ba SR-22
Bakhanni ba tšoaroang ba khanna ba le tlas'a tšusumetso ea joala kapa lithethefatsi ba tobana le liphello tse ngata. Liphello tsena li fapana ho latela boemo boo qoso e hlahletsoeng ho eona, empa hoo e batlang e le ka linako tsohle ho kenyelletsa likotlo, ho emisoa ha lengolo la hau la ho khanna le keketseho e kholo ea litefiso tsa inshorense ea koloi, hammoho le letšoao la lilemo tse ngata tlalehong ea hau ea ho khanna. Leha ho le joalo, ho na le mekhoa ea ho fokotsa phello ea kholiseho ea ho khanna a tahiloe ka chelete eo u e lefang bakeng sa inshorense ea koloi.
DWI, OUI, DUI, DWAI, OVI: li bolela'ng, 'me li fapana joang?
Ho na le mantsoe a mangata a amanang le ho khanna ka mor'a ho sebelisa ntho e laoloang. Melao e kang ho khanna u le tlas'a tšusumetso ea (DUI), ho khanna u le tlas'a tšusumetso ea joala (DWI), kapa ho khanna u le tlas'a tšusumetso (OUI) hangata e akaretsa ho khanna motho a tahiloe kapa a le tlas'a tšusumetso ea lithethefatsi, empa a na le meelelo e fapaneng hanyane linaheng tse fapaneng.
Linaheng tse ling, ho khanna motho a tahiloe ho tšoaneloa ke ho khanna motho a tahiloe, empa tlōlo ea molao ea matekoane kapa lithethefatsi tse ling ho nkoa e le ho khanna a tahiloe. Linaha tse ling li hlalosa DUI le DWI e le litlolo tse arohaneng, moo DUI e leng tefiso e nyane ho feta DWI.
Molemong oa sengoloa sena, DUI e tla sebelisoa e le lentsoe le akaretsang bakeng sa DWI, OVI, le OUI.
Laesense ea ho khanna e emisitsoeng kapa e hlakotsoe
Ho emisoa ha lengolo la ho khanna hoo e ka bang kamehla ho tsamaisana le kahlolo ea ho khanna a tahiloe. Melao ea naha e fapana ho latela hore na ho emisoa hona ho nka nako e kae, empa hangata ho ba pakeng tsa likhoeli tse tharo le tse tšeletseng.
Sena se ka etsahala ka mekhoa e 'meli: setsi sa makoloi sa mmuso se emisa laesense ea hau kapa se emisa laesense ea hau.
Ho hloleha ho etsa tlhahlobo ea joala ea mali kapa tlhahlobo ea mali nakong eo u emisang sephethephethe ho tla etsa hore lengolo la hau la ho khanna le emisoe, ho sa tsotelehe qeto ea nyeoe ea hau ea ho khanna u tahiloe. Kahoo, joalo ka ha ho ema, ho molemo ho etsa seo ofisiri e se buang.
E ipapisitse le melao ea mmuso le maemo a motho ka mong, empa bakhanni ba tahiloeng ka lekhetlo la pele ba ka fumana lengolo la bona la tumello ka mor'a matsatsi a 90 feela. Ka linako tse ling moahloli o beha lithibelo, tse kang bokhoni ba ho tsamaea le ho khutla mosebetsing feela bakeng sa mofosi ea tlōtseng melao ea tsela. Batlōli ba molao ba pheta-phetoang ba ka 'na ba tobana le likotlo tse matla, tse kang ho emisoa ha laesense nako ea selemo kapa ho feta, kapa ho hlakoloa ka ho sa feleng laesense.
Ke bokae ho khanna u noele
Ntle le ho ba kotsi ka ho fetisisa, ho khanna motho a tahiloe kapa a tahiloe le hona ho bitsa chelete e ngata haholo. Kahlolo ea ho khanna u tahiloe e kenyelletsa likotlo, likotlo le litefiso tsa molao tseo u tla tlameha ho li lefa ka pokothong ea hau. Michael E. Cicero, ’muelli oa molao oa sephethephethe oa Nicola, Gudbranson & Cooper, Cleveland, o re: “Ohio, tlōlo ea molao ea pele ea ho khanna motho a le tlas’a tšusumetso ea tahi e ka bitsa $7,000 XNUMX kapa ho feta. Cicero o supa litšenyehelo tse 'maloa tseo bakhanni ba Ohio ba ka li lebellang haeba ba fumanoa ba le molato oa ho khanna ba tahiloe:
- Ho tloha ho lidolara tse 500 ho isa ho tse 1,000
- Litefiso tsa molao ho tloha ho lidolara tse 120 ho isa ho tse 400.
- Nako ea teko, $250
- Lenaneo la ho kenella ho bakhanni sebakeng sa chankana, $300 ho $400.
- Litefiso tsa molao ho tloha ho lidolara tse 1,000 ho isa ho tse 5,000.
Kamoo ho Khanna a Tahiloe ho Amang Inshorense
Ntle le litefiso le litefiso, litšenyehelo tsa inshorense ea koloi li tla eketseha kamora ho khanna u tahiloe. Hore na li eketseha hakae ho itšetlehile ka hore na u lula hokae, empa bakhanni ba ahloletsoeng ho khanna ba tahiloe ba lokela ho lebella hore litefiso tsa bona li tla imena habeli.
Penny Gusner, mohlahlobi oa bareki ho Insure.com, o re: “Ho khanna u noele u le mong ho tla phahamisa litefiso tsa inshorense ea koloi ea hao ka karolo ea 40 ho ea ho 200 lekholong. North Carolina, ke karolo ea 300 lekholong ho feta.
Litefiso tsa inshorense ea ho khanna u noe ka naha
Melao ea naha eo u lulang ho eona e na le tšusumetso e kholo ho litefiso tsa inshorense ea likoloi, 'me ho phahamisa sekhahla sa ho khanna u tahiloe ha ho fapane. Leha ho khanna o tahiloe ha hoa etsahala seterekeng seo u lulang ho sona, ho tla u latela hae. Tafole ena e bonts'a keketseho e tloaelehileng ea litefiso tsa inshorense ea koloi ka mor'a DUI seterekeng ka seng:
| Karolelano ea keketseho ea litefiso tsa inshorense ea koloi ka mor'a ho khanna u tahiloe | ||||
|---|---|---|---|---|
| Sebaka | Karolelano ea sekhahla sa selemo | Noa bethe ea ho khanna | Litšenyehelo tse ling | % Nyollelo |
| 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% |
| Lintlha tsohle tse nkiloeng ho http://www.insurance.com | ||||
Mokhoa oa ho fumana inshorense ea DUI e tlase
U batla inshorense ea koloi e theko e tlaase ka mor'a kahlolo ea ho khanna a tahiloe? Mahlohonolo ho uena. Ho ke ke ha qojoa hore litefiso tsa hau li nyolohe, empa haeba u reka haufi le uena u ka fumana khetho e sa tureng. Khampani e 'ngoe le e 'ngoe ea inshorense e lekanya likotsi ka tsela e fapaneng: ba bang ba ka 'na ba khetha ho tsoa ho beng ba melao-motheo ba ahloletsoeng ho khanna ba tahiloe, ha ba bang ba na le merero e khethehileng bakeng sa batlōli ba molao ba khanna ba tahiloe. Ho etsa lipatlisiso le ho reka ho pota-pota ke tsela e molemo ka ho fetisisa ea ho etsa bonnete ba hore u lefa theko e ntle ka ho fetisisa ea inshorense ea koloi. Sena se ka etsa phapang ea lidolara tse likete tse 'maloa ka selemo.
DUI e lula nako e kae lengolong la hau la ho khanna?
Joalo ka likotlo tseo u tla tobana le tsona, hore na molato oa ho khanna u tahiloe halelele hakae nalaneng ea hau ea ho khanna e fapana ho ea ka linaha. Joalo ka molao o akaretsang, e lula lengolong la hau la ho khanna bonyane lilemo tse hlano, empa linaheng tse ngata e telele haholo. New York le California, ho khanna u tahiloe ho lula rekotong ea hau ka lilemo tse 10, 'me Iowa le ho feta: lilemo tse 12.
Ho khanna u tahiloe nako e kae ho ama litefiso tsa inshorense ea koloi
Hape, boemo boo kahlolo e etsahetseng ho bona bo ama hore na litefiso tsa inshorense ea koloi ea hau li tla ameha nako e kae. Ha feela a ntse a le phihlelong ea hau ea ho khanna, o tla phahamisa litefiso tsa hau. Senotlolo sa ho fokotsa litefiso butle-butle ho ea maemong a tloaelehileng ke ho boloka nalane e hloekileng ea ho khanna. “O ka busetsa laesense ya hao ya ho kganna ho bontsha hore o ithutile phosong ya hao mme o mokganni ya nang le boikarabelo,” Gusner o re. "Ha nako e ntse e ea, litefiso tsa hau li tla qala ho theoha. Ho ka nka lilemo tse tharo kapa tse hlano kapa tse supileng, empa u tla fihla teng.” Hang ha DUI e tlositsoe ka ho sa feleng rekotong ea hau, reka 'me u bapise litefiso tsa inshorense ho bona hore na u ka fumana theko e ntle ho tsoa ho mofani e mong.
Ho boloka tšireletso ea koloi ka mor'a DUI
Hoa hlokahala ho boloka inshorense ea koloi le haeba lengolo la hau la tumello le emisoa ka mor'a kahlolo ea ho khanna u tahiloe. Lebaka ke hobane li-insurers li nka khaso e tsoelang pele ha li etsa qeto ea litefiso tsa hau. Haeba u boloka tšireletso e tsoelang pele ntle le likheo, u tla qetella u lefa sekhahla se tlaase, kahoo ho bohlale ho lula u lefa le haeba u sa khone ho khanna ka molao. Haeba laesense ea hau e emisitsoe nako ea selemo 'me u sa lefe inshorense ka nako eo, mantsoe a qotsitsoeng a inshorense e tla ba a linaleli ha u qala ho reka inshorense hape.
“Haeba u e-na le koloi ’me batho ba tla u khanna, botsa hore na k’hamphani ea hau ea inshorense e tla u lumella ho eketsa motho ea tla u khanna e le mokhanni ea ka sehloohong, ntle le uena. Pholisi e ntse e tla ba lebitsong la hau, ka hona, ka botekgeniki ha ho na lekhalo mabapi le litaba, "Gusner o re.
Leha ho le joalo, ke li-insurers tse ling feela tse tla lumella sena, kahoo ho ka 'na ha hloka boikitlaetso bo itseng ho fumana motho ea ikemiselitseng ho fana ka kopo ea hau.
Tsohle ka SR-22
Bakhanni ba fumanoang ba le molato oa ho khanna ba tahiloe, ho khanna bohlasoa, kapa ho khanna ba se na inshorense hangata ba laeloa ke lekhotla hore ba be le liinshorense tse fetang litekanyetso tse fokolang tsa naha. Bakhanni bana ba tlameha ho netefatsa meeli ena ea inshorense pele laesense ea bona e ka khutlisoa, e fihletsoeng ka SR-22.
SR-22 ke tokomane eo k'hamphani ea hau ea inshorense e tlamehang ho e faela Lefapheng la Naha la Likoloi ho paka hore o na le tšireletso e lekaneng ea inshorense. Haeba u fetoa ke tefo, hlakola pholisi ea hau, kapa ho seng joalo u tlohella ts'ebetso ea hau ho felloa ke nako, SR-22 e tla hlakoloa 'me laesense ea hau e tla fanyehoa hape.
"Haeba ho hlokahala SR-22, etsa bonnete ba hore u tsebisa mohiri oa hau oa inshorense kaha hase bohle ba kenyang foromo," Gusner o re.
Inshorense ea bao e seng Beng ba SR-22
Inshorense ea SR-22 bakeng sa bao e seng beng ba eona e ka ba mokhoa o bohlale oa ho boloka tšireletso haeba u se u se na koloi. Melao ena e hloka hore u se ke ua ba le phihlelo ea kamehla ea koloi, empa u fane feela ka tšireletso ea likoloto, kahoo mofuta ona oa inshorense hangata o theko e tlaase ho feta leano le tloaelehileng.
Sengoliloeng sena se nkiloe ka tumello ea carinsurance.com: http://www.carinsurance.com/how-do-points-affect-insurance-rates.aspx
