Yadda Tukin Buguwa Ke Shafar Yawan Inshorar Mota

Direbobin da aka kama suna tuƙi cikin maye ko maye suna fuskantar sakamako da dama. Waɗannan sakamakon sun bambanta dangane da yanayin da aka shigar da ƙarar, amma kusan koyaushe sun haɗa da tara, dakatar da lasisin tuƙi da haɓakar ƙimar inshorar mota, da alamar shekaru masu yawa akan rikodin tuƙi. Koyaya, akwai hanyoyin da za a rage tasirin hukuncin buguwa akan adadin kuɗin da kuke biyan inshorar mota.

DWI, OUI, DUI, DWAI, OVI: me suke nufi kuma yaya suka bambanta

Akwai sharuddan da yawa da ke da alaƙa da tuƙi bayan amfani da abin sarrafawa. Sharuɗɗa irin su tuƙi a ƙarƙashin rinjayar (DUI), tuki a ƙarƙashin rinjayar barasa (DWI), ko tuki a ƙarƙashin rinjayar (OUI) yawanci sun haɗa da tuki yayin maye ko ƙarƙashin tasirin kwayoyi, amma suna da ma'anoni daban-daban a cikin jihohi daban-daban.

A wasu jihohin, tuƙi buguwa ya cancanci a matsayin tuƙin maye, amma cin zarafi daga marijuana ko wasu kwayoyi ana ɗaukar tuƙi buguwa. Wasu jihohi sun ayyana DUI da DWI a matsayin keta haddi daban-daban, inda DUI ta kasance mafi ƙarancin caji fiye da DWI.

Don dalilan wannan labarin, za a yi amfani da DUI azaman jigon kalma don DWI, OVI, da OUI.

An dakatar ko soke lasisin tuki

Dakatar da lasisin tuƙi kusan koyaushe yana tare da yanke hukunci kan tuƙi cikin maye. Dokokin jihohi sun bambanta kan tsawon lokacin da wannan dakatarwar zai kasance, amma yawanci tsakanin watanni uku zuwa shida ne.

Wannan na iya faruwa ta hanyoyi biyu: hukumar kula da ababen hawa ta jiha ta dakatar da lasisin ku ko kuma ta dakatar da lasisin ku.

Rashin yin gwajin barasa na jini ko gwajin jini a lokacin tsayawar hanya zai haifar da dakatarwar lasisin tuƙi ta atomatik, ba tare da la'akari da shawarar da ke cikin akwati na tuƙi ba. Don haka, kamar kowane tsayawa, yana da kyau a yi abin da jami'in ya ce.

Ya dogara da dokokin jiha da yanayin mutum ɗaya, amma direbobin bugu na farko na iya samun lasisin su a cikin kwanaki 90 kaɗan. Wani lokaci alkali yana sanya takunkumi, kamar ikon tafiya da dawowa aiki kawai ga mai laifin da ya keta dokokin hanya. Masu maimaita laifuka na iya fuskantar hukunci mai tsanani, kamar dakatarwar lasisi na shekara ɗaya ko fiye, ko soke lasisin dindindin.

Nawa ne kudin tukin buguwa

Baya ga kasancewa mai haɗari sosai, tuƙin bugu ko bugu kuma yana da tsada sosai. Hukuncin tukin maye ya ƙunshi tara, tara, da kuɗin shari'a waɗanda za ku biya daga aljihun ku. "A Ohio, laifin farko na tuƙi a ƙarƙashin rinjayar barasa zai iya kashe $ 7,000 ko fiye," in ji Michael E. Cicero, lauyan zirga-zirga na Nicola, Gudbranson & Cooper a Cleveland. Cicero ya nuna farashin da yawa da direbobi a Ohio za su iya tsammanin idan an same su da laifin tukin bugu:

• Tarar daga 500 zuwa 1,000 daloli
• Farashin shari'a daga dala 120 zuwa 400.
• Lokacin gwaji, $250
• Shirin shigar da direba maimakon gidan yari, $300 zuwa $400.
• Farashin shari'a daga dala 1,000 zuwa 5,000.

Yadda Tukin Buguwa Ke Shafar Inshora

Baya ga tara da kudade, farashin inshorar motar ku zai ƙaru bayan tuƙi cikin buguwa. Nawa suka karu ya dogara da inda kuke zama, amma direbobin da aka yanke wa hukuncin buguwa yakamata su yi tsammanin farashin su ya ninka.

Penny Gusner, manazarcin mabukaci a Insure.com, ya ce: “Tuƙi da buguwa kaɗai zai ɗaga kuɗin inshorar motar ku da kashi 40 zuwa 200. A Arewacin Carolina, wannan ya fi kashi 300."

Adadin inshorar tuki da buguwa ta jiha

Dokokin jihar da kuke zaune suna da babban tasiri akan farashin inshora na mota, kuma haɓaka ƙimar ku don tuƙin bugu ba shi da bambanci. Ko tukin maye bai faru a jihar da kake zaune ba, zai biyo ka gida. Wannan tebur yana nuna matsakaicin haɓakar ƙimar inshora ta atomatik bayan DUI a kowace jiha:

Matsakaicin haɓakar ƙimar inshorar mota bayan buguwar tuƙi
Yanki	Matsakaicin ƙimar shekara-shekara	Sha faren tuki	Ƙarin farashi	% Ƙara
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%
Duk bayanan da aka karɓa daga http://www.insurance.com

Yadda ake samun inshorar DUI mai arha

Ana neman inshorar mota mai arha bayan hukuncin tuƙin maye? Ba ka da sa'a. Babu makawa farashin ku zai haura, amma idan kun yi siyayya a kusa da ku kuna iya samun zaɓi mara tsada. Kowane kamfanin inshora yana ƙididdige haɗari daban-daban: wasu na iya ficewa daga masu riƙe manufofin da aka yanke wa hukuncin buguwa kai tsaye, yayin da wasu ke da tsare-tsare na musamman ga masu laifin tuƙi. Yin bincike da sayayya a kusa shine hanya mafi kyau don tabbatar da cewa kuna biyan mafi kyawun farashi don inshorar mota. Wannan na iya yin bambanci na dala dubu da yawa a shekara.

Har yaushe DUI ke zama akan lasisin tuƙi?

Kamar tarar da za ku fuskanta, tsawon lokacin da hukuncin tuƙi ya rage a tarihin tuƙi ya bambanta daga jiha zuwa jiha. A matsayinka na gaba ɗaya, yana kan lasisin tuƙi na akalla shekaru biyar, amma a yawancin jihohi ya fi tsayi. A New York da California, tuƙi bugu yana tsayawa akan rikodin ku na shekaru 10, kuma a Iowa har ma ya fi tsayi: shekaru 12.

Yaya tsawon lokacin da tuƙin maye ke shafar ƙimar inshorar mota

Hakanan, jihar da hukuncin ya faru yana shafar tsawon lokacin da farashin inshorar motar ku zai shafi. Muddin yana cikin kwarewar tuƙi, zai haɓaka ƙimar ku. Makullin don rage farashin a hankali zuwa matakan al'ada shine kiyaye tarihin tuki mai tsabta. "Za ku iya maido da lasisin tuƙin ku don nuna cewa kun koyi daga kuskurenku kuma direba ne mai alhakin," in ji Gusner. “Bayan lokaci, ƙimar ku za ta fara raguwa. Yana iya ɗaukar shekaru uku ko biyar ko bakwai, amma za ku isa can.” Da zarar an cire DUI na dindindin daga rikodin ku, siyayya kuma kwatanta ƙimar inshora don ganin ko za ku iya samun mafi kyawun farashi daga wani mai bada sabis.

Kula da ɗaukar mota bayan DUI

Ya zama dole don kula da kewayon inshorar mota koda an dakatar da lasisin ku bayan hukuncin tuƙi cikin maye. Wannan saboda masu insurers suna la'akari da ci gaba da ɗaukar hoto lokacin tantance ƙimar ku. Idan kun ci gaba da ɗaukar hoto ba tare da gibi ba, za ku ƙarasa biyan kuɗi kaɗan, don haka yana da wayo don ci gaba da biyan kuɗi ko da ba za ku iya tuƙi bisa doka ba. Idan an dakatar da lasisin ku na shekara guda kuma ba ku biya inshora ba a lokacin, ƙimar inshorar ku za ta kasance mai ilimin taurari lokacin da kuka fara siyan inshora kuma.

“Idan kana da mota mutane za su tuƙa ka, ka tambayi kamfanin inshora naka zai ba ka damar ƙara mutumin da zai tuka ka a matsayin babban direba, ban da kai. Manufar har yanzu za ta kasance cikin sunan ku, don haka a zahiri babu gibi a cikin ɗaukar hoto, ”in ji Gusner.

Koyaya, wasu masu inshorar ne kawai za su ba da izinin hakan, don haka yana iya ɗaukar ɗan himma don nemo wanda ke shirye ya karɓi buƙatarku.

Duk game da SR-22

Kotu takan umurci direbobin da aka samu da laifin tukin buguwa, tukin ganganci, ko tuki ba tare da inshora ba, da su gudanar da tsare-tsaren inshora da suka wuce mafi karancin bukatun jihar. Dole ne waɗannan direbobi su inganta waɗannan iyakokin inshora kafin a iya dawo da lasisin su, wanda aka samu tare da SR-22.

SR-22 takarda ce da kamfanin inshorar ku dole ne ya shigar da shi tare da Ma'aikatar Motoci ta Jiha don tabbatar da cewa kuna da isasshen inshorar inshora. Idan ka rasa biyan kuɗi, soke manufofin ku, ko kuma in ba haka ba bari ɗaukar hoto ya ƙare, SR-22 za a soke kuma za a sake dakatar da lasisin ku.

"Idan ana buƙatar SR-22, tabbatar da sanar da mai inshorar ku kamar yadda ba duk masu inshorar ke shigar da fom ɗin ba," in ji Gusner.

Inshorar da ba Mai shi ba SR-22

Inshorar SR-22 ga waɗanda ba masu shi ba na iya zama hanya mai wayo don kiyaye ɗaukar hoto idan ba ku mallaki motar ba. Waɗannan manufofin suna buƙatar kada ku sami dama ga abin hawa akai-akai, amma kawai bayar da ɗaukar nauyi, don haka irin wannan inshora galibi yana da arha fiye da madaidaicin manufa.

An daidaita wannan labarin tare da amincewar carinsurance.com: http://www.carinsurance.com/how-do-points-affect-insurance-rates.aspx