Inishuwarenzi zvinodiwa pakunyoresa mota muDelaware

Nyika yeDelaware inoda kuti vatyairi vese vave neinishuwarenzi yemotokari kana "mutoro wemari" kuitira kuti vashande zviri pamutemo mota uye kuchengetedza kunyoreswa kwemotokari. Mutemo uyu unoshanda kune chero mota inotakura vanhu inoshandiswa mumigwagwa yeruzhinji muDelaware.

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

• Inosvika $15,00 pamunhu pakukuvara kana kufa. Izvi zvinoreva kuti iwe unofanirwa kuve neinenge $30,000 newe kuti uvhare vashoma vanogoneka nhamba yevanhu vapinda mutsaona (vatyairi vaviri).

• Minimum $10,000 yekukuvadzwa kwepfuma

Izvi zvinoreva kuti mari shoma yauchazoda iUS $40,000 yekukuvara kwemuviri uye kukuvara kwepfuma.

Mhando dzeinishuwarenzi

Kunyangwe iyo mutoro uye inishuwarenzi yekukuvara kwemunhu yakanyorwa pamusoro ari iwo ega marudzi einishuwarenzi yemotokari inodiwa muDelaware, iyo nyika inoziva zvakare inotevera yekuwedzera kufukidzwa:

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

• Kufukidzwa kwakazara kunovhara kukuvadzwa kwemotokari yako nekuda kwezvinhu zvisiri zvemumigwagwa zvakaita semamiriro ekunze asina kunaka kana kuparadza.

• 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.

• Inishuwarenzi yekudhonza uye yebasa inobatsira kubhadhara mutengo wekukwevera mota yako kunzvimbo yebasa kana pakaitika tsaona.

• Rental reimbursement coverage inobatsira kubhadhara mari yekuhaya mota mushure metsaona.

uchapupu hweinishuwarenzi

Chero mutyairi anotyaira mota yakanyoreswa Delaware anofanira kutakura inishuwarenzi. Uchapupu hweinishuwarenzi hunodiwawo kunyoresa motokari neDMV.

Humbowo hunogamuchirwa hwekuvharwa kweinishuwarenzi hunosanganisira:

• Kadhi reinishuwarenzi kubva kukambani yeinishuwarenzi yakatenderwa

• Shanduro yemagetsi yeinishuwarenzi kadhi rako, semufananidzo uri parunhare.

• Chiratidzo cheSR-22 cheMutoro Wemari chinosimbisa kuti une inishuwarenzi uye chinowanzodiwa kubva kuvatyairi vane rezinesi rakambomiswa nekuda kwekutyaira zvisina hanya kana kudhakwa.

Zvirango zvekutyora mutemo

Kana ukatadza kupa humbowo hweinishuwarenzi paunokumbirwa nemukuru wezvemitemo panguva yekumira kwemotokari kana panzvimbo yetsaona, kana kutadza kuratidza kuti une inishuwarenzi kana wakumbirwa nehurumende, unogona kutarisana nezvirango zvakakomba muDelaware. :

• Mari shoma ye$1,500 yemhosva yekutanga

• Kumwe kutyora mutemo kunogona kukonzera faindi yemadhora zviuru zvitatu pamwe nekumiswa kwerezinesi kwemwedzi mitanhatu.

Iwe unofanirwa kupa humbowo hunoshanda hweinishuwarenzi kuitira kuti usimudze kumiswa kwekunyoresa uye utore rezinesi rezinesi rako zvakare.

Kuti uwane rumwe ruzivo, bata Dhipatimendi reDelaware reMotokari kuburikidza newebhusaiti yavo.