Inishuwarenzi zvinodiwa pakunyoresa mota muGeorgia

Munyika yeGeorgia, vatyairi vanofanirwa kuve neinishuwarenzi yemhosva kana "financial liability" kuitira kuti vashande mota zviri pamutemo.

Inishuwarenzi yakaderera inodiwa kune varidzi vemotokari pasi pemutemo uyu ndeiyi:

• $25,000 kukuvara kwemuviri kumunhu mumwe chete. Izvi zvinoreva kuti inishuwarenzi yega yega inofanirwa kusanganisira inosvika $50,000 kuti ivhare nhamba diki yevanhu vanopinda mutsaona (vatyairi vaviri).

• $25,000 yekukuvadza pfuma

Izvi zvinoreva kuti mutyairi wega wega anofanirwa kuchengetedza chikwereti chake chemadhora makumi manomwe neshanu pamotokari yega yega yavanayo muGeorgia.

Mhando dzeinishuwarenzi

Kunyange aya ari iwo ega marudzi einishuwarenzi anodiwa neHurumende yeGeorgia, mamwe marudzi einishuwarenzi anozivikanwa kuti awedzere kuvharwa. Izvi zvinosanganisira:

• Collision insurance, inovhara kukuvadzwa kwemotokari yako mutsaona.

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

• Inishuwarenzi yehutano nemariro, iyo inobhadhara mabhiri ekurapa kana mariro emariro anokonzerwa netsaona yemotokari.

• Inishuwarenzi yemutyairi isina inshuwarisi, iyo inobhadhara mari kana pakaitika tsaona inobatanidza mutyairi asina inishuwarenzi.

uchapupu hweinishuwarenzi

Georgia ndeimwe yedzimwe nyika shoma dzisingagamuchire kadhi reinishuwarenzi kubva kukambani yako yeinishuwarenzi sehumbowo hwekuvharirwa inishuwarenzi. Pane kudaro, humbowo hwekuvhara hunogona kuwanikwa kuburikidza neGeorgia Electronic Insurance Enforcement System. Kambani yako yeinishuwarenzi inoshuma mamiriro ako kune iyi database.

Humbowo hunogamuchirwa hweinishuwarenzi yekunyoresa mota yako, kana inishuwarenzi isati yambotaurwa kuGEICS, inosanganisira:

• Bhiri rekutengesa rakanyorwa mukati memazuva makumi matatu ekutenga inishuwarenzi, iyo inosanganisira peji rekuzivisa inishuwarenzi.

• Chitupa chakazvimiririra chakapihwa neGeorgia Fire Authority.

Zvirango zvekutyora mutemo

Kana mutyairi akawanikwa aine mhosva yekusava neinishuwarenzi yakakodzera mudunhu reGeorgia, matanho akati wandei achatorwa uye zvirango zvakasiyana zvichashanda padanho rega rega:

• Danho rekutanga nderekumisa kunyoreswa kwemotokari kusvika inishuwarenzi yakakodzera yadzorerwa.

• Kuti unyore zvakare, mari mbiri dzinofanirwa kubhadharwa pakuratidzwa kwechitupa chitsva cheinishuwarenzi: $25 yekubvisa-registration mubhadharo uye $60 yekudzosera mari.

• Kutyora kwechipiri mukati memakore mashanu kuchaita kuti kurebesa kunyoreswa kumire nguva.

• Pamhosva dzinotevera mukati memakore mashanu, kunyoreswa kwemotokari kuchambomiswa kwemwedzi mitanhatu. Mari yekudzorera panhanho iyi inosvika $160.

Kukanzurwa kweinishuwarenzi

Kana iwe uchida kudzima inishuwarenzi yako yemhosva, unofanira kutanga wadzima kunyoreswa kwemotokari yako kuhofisi yemutero mudunhu raunogara. Kana ukakanzura kuvharwa kwako usati wadzimwa, uchabhadhariswa mari yekudzosera uye yekupedza nguva.

Kuti uwane rumwe ruzivo, bata Dhipatimendi reGeorgia Revenue pawebhusaiti yavo.