Inishuwarenzi inodiwa pakunyoresa mota muIdaho

Nyika yeIdaho inoda kuti vatyairi vese vave nemamwe marudzi einishuwarenzi yemotokari kana "mutoro wemari" kuitira kuti vashande zviri pamutemo motokari. Izvi zvinodikanwa kunyangwe mota yakanyoreswa kana kwete.

Inishuwarenzi yakaderera inodiwa kune varidzi vemotokari pasi pemutemo weIdaho ndeiyi:

• $15,000 mumhosva yekukuvadzwa kwepfuma, iyo inovhara kukanganisa kunokonzera motokari yako kune imwe nzvimbo yemumwe munhu (sezvivakwa kana zviratidzo zvemugwagwa).

• $25,000 yeinishuwarenzi yekukuvara kwemunhu pamunhu; izvi zvinoreva kuti huwandu hwese hushoma hunofanirwa kuve nemutyairi painishuwarenzi yekukuvara kwemuviri iUS $ US 50,000 XNUMX, kuvhara nhamba diki yevanhu vapinda mutsaona (vatyairi vaviri).

Izvi zvinoreva kuti mutyairi wega wega anofanirwa kupa inishuwarenzi mhosva yavo yemadhora makumi mana ezviuru pamotokari yega yega yavanotyaira muIdaho.

Kunyange zvazvo hurumende ichida kuti vose vanopa inishuwarenzi vabatanidze inishuwarenzi yemotokari isina inishuwarenzi kana isina inshuwarisi inobhadhara mutengo kana paitika tsaona inobatanidza mutyairi akanga asina mari yakafanira inodiwa nomutemo, hapana hushoma hunosungirwa mumutemo upi noupi. vhoriyamu yekuvhara.

Mamwe marudzi einishuwarenzi

Inishuwarenzi yemhosva yakanyorwa pamusoro ndiyo chete inodiwa neIdaho Dhipatimendi reInishuwarenzi; zvisinei, Dhipatimendi rinoziva mamwe marudzi einishuwarenzi yekuwedzera kuvharwa. Izvi zvinosanganisira:

• Rubatsiro rwekurapwa runobhadhara mari yekurapwa kana mariro anobva mutsaona yemumugwagwa.

• Inishuwarenzi yakazara inovhara kukuvadzwa kwemotokari yako iyo isiri mhedzisiro yetsaona (semuenzaniso, kukuvadzwa kwakakonzerwa nemamiriro ekunze).

• Collision insurance, iyo inovhara mutengo wekukuvadza kumotokari yako iyo inokonzeresa mutsaona yemotokari.

• Dzimwe mhando dzinogona kusanganisira kudzosera mari yekurenda, kudhonzwa uye kudzoserwa kwevashandi, uye inishuwarenzi yemidziyo yetsika (iyo inobhadhara imwe mari yekutsiva isina-standard upgrades pamotokari).

Kuenzanisa kuregeredza

Mutemo wenyika yeIdaho unoti vanhu vanopfuura mumwe vanogona kuwanikwa vaine mhosva mutsaona yemumugwagwa. Rudzi urwu rwemutemo runonzi comparative negligence uye zvinoreva kuti inishuwarenzi yako inobhadhara kukuvadza kana iwe uine mhosva shoma pane mamwe mapato.

Muripo wako unogonawo kudzikiswa neperesenti yako yekukanganisa. Kana zvikaitika kuti iwe uri 20% mhosva yenjodzi, inishuwarenzi yako inogona kuderedza mari yavanozobhadhara ne20%.

Zvirango zvekutyora mutemo

Kutyaira pasina inishuwarenzi chaiyo muIdaho kana kutadza kuunza inishuwarenzi kana yakumbirwa nemukuru wezvemitemo kunogona kukonzera faindi uye nguva yejeri, kusanganisira:

• $75 faindi yekutyora kwekutanga

• Faindi inosvika $1,000 yekutyora mutemo unotevera

• Kupfigirwa mujeri kusvika mwedzi mitanhatu

• Chido chekuva neSR-22 Proof of Financial Responsibility, inova gwaro rekuongorora, rinowanzodiwa chete kune avo vakabatwa nemhosva yekutyaira vakadhakwa uye kutyaira zvisina hanya.

Kuti uwane rumwe ruzivo, bata Idaho Dhipatimendi Rekutakura pane yavo webhusaiti.