Inishuwarenzi zvinodiwa pakunyoresa mota muArkansas

MuArkansas, vatyairi vese vanofanirwa kutakura mutoro wemotokari kana inishuwarenzi ye "financial liability" kuitira kuti vashande mota zviri pamutemo uye kuchengetedza kunyoreswa kwemotokari. Mutemo uyu unoshanda kune chero mota inotakura vanhu inoshandiswa mumigwagwa yeruzhinji muArkansas.

Izvo zvidiki zvemutoro wemari zvinodiwa kune vanhu vari pasi pemutemo weArkansas ndeaya anotevera:

• Inosvika $25,000 pamunhu pakukuvara kana kufa. Izvi zvinoreva kuti iwe unofanirwa kuve neinenge $50,000 newe kuti uvhare vashoma vanogoneka nhamba yevanhu vapinda mutsaona (vatyairi vaviri).

• $25,000 shoma yemhosva yekukuvadzwa kwepfuma

Izvi zvinoreva kuti mari shoma yauchazoda i$75,000 yekukuvara kwemuviri nekukuvadzwa kwepfuma. Izvi zvinodzivirira munhu wese kana paita tsaona.

Mhando dzeinishuwarenzi

Kunyangwe inishuwarenzi yemhosva yakanyorwa pamusoro ndiyo chete mhando yeinishuwarenzi yemotokari inodiwa muArkansas, iyo nyika inocherekedzawo anotevera marudzi ekuwedzera kufukidzwa:

• Collision insurance, iyo inovhara kukuvadzwa kwemotokari yako nekuda kwetsaona yemumugwagwa.

• Kuvharika kwakadzama kunovhara kukuvadzwa kwemotokari yako nekuda kwezvinhu zvisiri zvemumigwagwa zvakaita semamiriro ekunze asina kunaka kana moto.

• Inishuwarenzi yemutyairi isina inshuwarisi, iyo inobatsira kubhadhara mari pakaitika tsaona apo mumwe mutyairi akanga asina inishuwarenzi kana kuti under insurance.

• Kudzivirirwa kwekukuvara kunobatsira kubhadhara mabhiri ekurapa, kurasikirwa muhoro, kana mari yemariro kubva mutsaona yemotokari.

uchapupu hweinishuwarenzi

Chero mutyairi anoshandisa mota yakanyoreswa mudunhu reArkansas anofanira kutakura chitupa cheinishuwarenzi. Uchapupu hweinishuwarenzi hunodiwawo kunyoresa motokari neDMV.

Humbowo hunogamuchirwa hwekuvharwa kweinishuwarenzi hunosanganisira:

• Chitupa cheinishuwarenzi, chakadai sekadhi rinobva kukambani yeinishuwarenzi yakatenderwa.

• Kopi yeinishuwarenzi kana kusunga

• Gwaro reSR-22 rinoratidza kuti une inishuwarenzi uye rinowanzodiwa chete kubva kuvatyairi vane rezinesi rakambomiswa nekuda kwekutyaira zvisina hanya kana kudhakwa.

Arkansas inoshandisa inishuwarenzi verification system inochengeta yako inishuwarenzi ruzivo mudhatabhesi. Iyi database inotariswa mwedzi wega wega. Kana usina inishuwarenzi yakanyoreswa, unogona kugamuchira chiziviso kubva kuhurumende ichikuda kuti utenge inishuwarenzi kana kuratidza kuti une inishuwarenzi inoshanda.

Zvirango zvekutyora mutemo

Kana ukatadza kupa humbowo hweinishuwarenzi paunokumbirwa nemukuru wezvemitemo panguva yekumira kwemotokari kana panzvimbo yaitikira tsaona, kana kutadza kuratidza kuti une inishuwarenzi paunokumbirwa nenyika, unogona kutarisana nemhando dzakawanda dze faindi:

• Inosvika $250 faindi yekutanga mhosva uye kumiswa kwekunyoresa.

• Kumwe kutyorwa kunogona kukonzera faindi dzakakwirira uye nguva yejeri.

Kuti ubvise kumiswa kwekunyoresa, unofanirwa kupa humbowo hunoshanda hweinishuwarenzi uye kubhadhara mari yekudzosera.

Kuti uwane rumwe ruzivo, bata Arkansas Driver Service kuburikidza newebhusaiti yavo.