Kutyaira kwakadhakwa kunokanganisa sei Auto Insurance Rates
Zviri mukati
- DWI, OUI, DUI, DWAI, OVI: zvinorevei uye zvakasiyana sei
- Rezinesi rekutyaira rakamiswa kana kukanzurwa
- Imarii kutyaira wakadhakwa
- Kutyaira Akadhakwa Kunokanganisa Inishuwarenzi
- Akadhakwa kutyaira inishuwarenzi rates nehurumende
- Maitiro ekutora yakachipa DUI inishuwarenzi
- DUI inogara kwenguva yakareba sei pane yako rezinesi rekutyaira?
- Inguva yakareba sei kutyaira kwakadhakwa kunokanganisa mitengo yeinishuwarenzi yemotokari
- Kuchengetedza kuvharwa kwemotokari mushure meDUI
- Zvese nezve SR-22
- Non-Owner's Inishuwarenzi SR-22
Vatyairi vanobatwa vachityaira vakadhakwa nedoro kana zvinodhaka vanosangana nematambudziko akawanda. Mhedzisiro iyi inosiyana zvichienderana nenyika yakamhan'arirwa, asi zvinogara zvichisanganisira faindi, kumiswa kwerezinesi rekutyaira uye kuwedzera kukuru kwemitengo yeinishuwarenzi yemotokari, pamwe nemucherechedzo wemakore akawanda parekodhi yako yekutyaira. Nekudaro, kune nzira dzekudzikisa kukanganiswa kwekudhakwa kwekutyaira pamari yaunobhadhara inishuwarenzi yemotokari.
DWI, OUI, DUI, DWAI, OVI: zvinorevei uye zvakasiyana sei
Kune akawanda mazwi ane chekuita nekutyaira mushure mekushandisa chinhu chinodzorwa. Matemu akadai sekutyaira wakadhakwa (DUI), kutyaira wakadhakwa (DWI), kana kutyaira wakadhakwa (OUI) kazhinji kacho kuvhara kutyaira wakadhakwa kana kuti wakadhakwa nezvinodhaka, asi zvine zvirevo zvakasiyana zvishoma mumatunhu akasiyana.
Mune dzimwe nyika, kutyaira kwakadhakwa kunokodzera sekutyaira kwakadhakwa, asi kutyorwa kwembanje kana zvimwe zvinodhaka kunoonekwa sekutyaira wakadhakwa. Dzimwe nyika dzinotsanangura DUI neDWI sekutyora kwakasiyana, uko DUI iri mutero wakaderera pane DWI.
Nezvinangwa zvechinyorwa chino, DUI ichashandiswa sezwi rekare reDWI, OVI, uye OUI.
Rezinesi rekutyaira rakamiswa kana kukanzurwa
Kumiswa kwerezinesi rekutyaira kunenge nguva dzose kunoperekedzwa nemhosva yekutyaira wakadhakwa. Mitemo yehurumende inosiyana pakuti kumiswa uku kunotora nguva yakareba sei, asi kunowanzova pakati pemwedzi mitatu nemitanhatu.
Izvi zvinogona kuitika nenzira mbiri: iyo mota yehurumende agency inomisa rezinesi rako kana kumisa rezinesi rako.
Kutadza kutora breathalyser blood alcohol test kana ongororo yeropa panguva yakamira traffic zvinozoita kuti rezinesi rako rekutyaira ringomiswa, zvisinei nesarudzo mukosi yako yekutyaira wakadhakwa. Saka, sezvakangoita chero kumira, zviri nani kuita zvinotaurwa nemukuru.
Zvinoenderana nemitemo yenyika uye mamiriro emunhu, asi vatyairi vekutanga vakadhakwa vanogona kudzoserwa rezinesi mukati memazuva makumi mapfumbamwe. Dzimwe nguva mutongi anoisa zvirambidzo, zvakadai sokukwanisa kufamba kuenda nekudzoka kubasa kumunhu anenge atyora mitemo yemumigwagwa chete. Vapari vemhosva vakadzokorora vanogona kutarisana nezvirango zvakaomarara, sekumiswa rezinesi kwegore kana kudarika, kana kubvisirwa rezinesi zvachose.
Imarii kutyaira wakadhakwa
Pamusoro pekuva nengozi zvakanyanya, kutyaira wakadhakwa kana kudhakwa kunodhurawo zvakanyanya. Kubatwa nemhosva yekutyaira wakadhakwa kunosanganisira faindi, faindi, uye mari dzemutemo dzauchafanira kubhadhara kubva muhomwe yako. “MuOhio, mhosva yokutanga yokutyaira wakadhakwa inogona kuita $7,000 XNUMX kana kuti kupfuura,” anodaro Michael E. Cicero, gweta romumigwagwa raNicola, Gudbranson & Cooper muCleveland. Cicero anonongedza mitengo yakati wandei iyo vatyairi muOhio vanogona kutarisira kana vakawanikwa vaine mhosva yekutyaira vakadhakwa:
- Yakakwana kubva pa500 kusvika ku1,000 madhora
- Mari yepamutemo kubva pamadhora zana nemakumi maviri kusvika kumazana mana.
- Nguva yekuedza, $250
- Mutyairi kupindira chirongwa panzvimbo yejeri, $300 kusvika $400.
- Mari yepamutemo kubva pamadhora zana nemakumi maviri kusvika kumazana mana.
Kutyaira Akadhakwa Kunokanganisa Inishuwarenzi
Pamusoro pemafaindi uye mubhadharo, mari yako yeinishuwarenzi yemotokari inowedzera mushure mekutyaira wakadhakwa. Kuti vanowedzera zvakadii zvinoenderana nekwaunogara, asi vatyairi vanobatwa nemhosva yekutyaira vakadhakwa vanofanira kutarisira kuti mitengo yavo ichapetwa kaviri.
Penny Gusner, muongorori wevatengi paInsure.com, anoti: “Kutyaira wakadhakwa kwoga kuchakwidza mitengo yeinishuwarenzi yemotokari yako ne40 kusvika ku200 muzana. MuNorth Carolina, iyo 300 muzana yakawanda. "
Akadhakwa kutyaira inishuwarenzi rates nehurumende
Mitemo yenyika yaunogara ine simba guru pamitengo yeinishuwarenzi yemotokari, uye kukwidza chiyero chako chekutyaira wakadhakwa hakuna kusiyana. Kunyangwe kutyaira wakadhakwa zvisina kuitika mudunhu raunogara, zvinokutevera kumba. Iyi tafura inoratidza avhareji yekuwedzera kweauto inishuwarenzi mitengo mushure meDUI mudunhu rega rega:
| Avhareji yekuwedzera mu auto inishuwarenzi mitengo mushure mekutyaira wakadhakwa | ||||
|---|---|---|---|---|
| nharaunda | Avhareji yegore negore | Inwa kubheja kubheja | Kuwedzera mari | % Kuwedzera |
| 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% |
| Yese data yakatorwa kubva http://www.insurance.com | ||||
Maitiro ekutora yakachipa DUI inishuwarenzi
Kutsvaga inshuwarisi yemotokari yakaderera mushure mekudhakwa kwekutyaira? Washaya rombo rakanaka. Hazvigoneki kuti mitengo yako ikwire, asi kana ukatenga uchitenderedza unogona kuwana sarudzo isingadhure. Kambani yega yega yeinishuwarenzi inoverenga njodzi zvakasiyana: vamwe vanogona kubuda kune vane mapolisi vanobatwa nemhosva yekutyaira vakadhakwa zvachose, nepo vamwe vaine zvirongwa zvakakosha zvevanotyaira vakadhakwa. Kuita tsvagiridzo uye kutenga zvakatenderedza ndiyo nzira yakanakisa yekuita shuwa kuti uri kubhadhara yakanakisa mutengo weinishuwarenzi yemotokari. Izvi zvinogona kuita musiyano wezviuru zvakawanda zvemadhora pagore.
DUI inogara kwenguva yakareba sei pane yako rezinesi rekutyaira?
Kufanana nefaindi dzauchatarisana nadzo, kuti mhosva yekutyaira wakadhakwa inoramba iripo kwenguva yakareba sei munhoroondo yako yekutyaira inosiyana kubva mudunhu nenyika. Semutemo wakajairwa, inogara parezinesi rako rekutyaira kweanenge makore mashanu, asi mumatunhu mazhinji yakareba. MuNew York neCalifornia, kutyaira kwakadhakwa kunogara parekodhi yako kwemakore gumi, uye muIowa zvakatorebesa: makore gumi nemaviri.
Inguva yakareba sei kutyaira kwakadhakwa kunokanganisa mitengo yeinishuwarenzi yemotokari
Zvakare, iyo nyika iyo kutendwa kwakaitika inobata kuti mibairo yeinishuwarenzi yako ichakanganisika kwenguva yakareba sei. Chero bedzi ari muchiitiko chako chekutyaira, achasimudza mitengo yako. Kiyi yekudzikisa zvishoma nezvishoma mitengo kusvika kumatanho akajairwa kuchengetedza nhoroondo yekutyaira yakachena. "Unogona kudzosera rezinesi rako rekutyaira kuratidza kuti wakadzidza kubva mukukanganisa kwako uye uri mutyairi ane hunyanzvi," Gusner anodaro. "Nekufamba kwenguva, mitengo yako ichatanga kuderera. Zvinogona kutora makore matatu kana mashanu kana manomwe, asi uchasvika ikoko.” Kamwe DUI yabviswa zvachose kubva kune rekodhi yako, tenga uye enzanisa mitengo yeinishuwarenzi kuti uone kana iwe uchigona kuwana mutengo uri nani kubva kune mumwe mupi.
Kuchengetedza kuvharwa kwemotokari mushure meDUI
Izvo zvinodiwa kuchengetedza inshuwarisi yemotokari kunyangwe rezinesi rako rikamiswa mushure mekudhakwa kwekutyaira. Izvi zvinodaro nekuti mainishuwarenzi anofunga kuenderera mberi kwekuvhara kana uchitarisa mareti ako. Kana iwe ukaramba uchivharwa nekuenderera mberi pasina mapundu, unozopedzisira wabhadhara muyero wakaderera, saka zvine hungwaru kuramba uchibhadhara kunyangwe iwe usingakwanise kutyaira zviri pamutemo. Kana rezinesi rako rakamiswa kwegore uye ukasabhadhara inishuwarenzi panguva iyoyo, yako inishuwarenzi quotes ichava yenyeredzi paunotanga kutenga inishuwarenzi zvakare.
“Kana uine mota vanhu vachikuchaira, bvunza kuti kambani yako yeinishuwarenzi inokubvumidza here kuti uwedzere munhu anokuchaira semutyairi mukuru, kunze kwako. Gwaro iri richange richiri muzita rako, saka zvehunyanzvi hapana gaka mukuvharirwa,” anodaro Gusner.
Nekudaro, mamwe mainishuwarenzi chete ndiwo anotendera izvi, saka zvinogona kutora imwe shingairo kutsvaga munhu anoda kugamuchira chikumbiro chako.
Zvese nezve SR-22
Vatyairi vanobatwa nemhosva yekutyaira vakadhakwa, kutyaira zvisina tsarukano, kana kutyaira vasina inishuwarenzi vanowanzonzi nedare vatakure mari dzeinishuwarenzi dzinodarika zvinodiwa nehurumende. Vatyairi ava vanofanirwa kusimbisa iyi miganho yeinishuwarenzi vasati vadzoserwa rezinesi ravo, rinowanikwa neSR-22.
An SR-22 igwaro iro kambani yako yeinishuwarenzi inofanirwa kufaira neDhipatimendi reHurumende reMotokari kuratidza kuti une inishuwarenzi yakakwana. Kana ukapotsa mubhadharo, kanzura porisi yako, kana kuti ukarega kuvharirwa kwako kuchipera, SR-22 ichatorerwa uye rezinesi rako richamiswa zvakare.
"Kana SR-22 ichidikanwa, iva nechokwadi chekuti inshurensi yako izive sezvo vasiri vese veinishuwarenzi vanoisa fomu," Gusner anodaro.
Non-Owner's Inishuwarenzi SR-22
Inishuwarenzi yeSR-22 yevasiri varidzi inogona kuve yakangwara nzira yekuchengeta kufukidzwa kana iwe usisiri muridzi wemota. Iyi mitemo inoda kuti iwe urege kugara uchiwana motokari, asi unongopa kuvharwa kwemhosva, saka rudzi urwu rweinishuwarenzi kazhinji runodhura kudarika mutemo wakajairwa.
Ichi chinyorwa chakagadziridzwa nemvumo ye carinsurance.com: http://www.carinsurance.com/how-do-points-affect-insurance-rates.aspx
