Inishuwarenzi inodiwa yekunyoresa mota muIllinois

Kuti utyaire zviri pamutemo mota muIllinois, unofanirwa kuve uine akati wandei marudzi einishuwarenzi yemhosva.

Iyo shoma inishuwarenzi yemhosva inodiwa kune varidzi vemotokari yeIllinois ndeiyi inotevera:

• $20,000 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).

• $25,000 50,000 nokuda kwomutyairi asina inishuwarenzi kana kuti asina inishuwarenzi shoma pamunhu painishuwarenzi inobhadhara mari muchiitiko chetsaona inobatanidza mutyairi akanga asina chitsama chakafanira cheinishuwarenzi inodiwa nomutemo. Izvi zvinoreva kuti inishuwarenzi yako yakaderera isina inshuwarisi yemutyairi inofanirwa kunge iri $US XNUMX XNUMX kuvhara nhamba diki yevanhu vapinda mutsaona (vatyairi vaviri).

Izvi zvinoreva kuti mutyairi wega wega anofanirwa kuvharisa mutoro wavo wemadhora zana nemakumi maviri ezviuru zvemotokari yega yega yavanayo muIllinois.

Mamwe marudzi einishuwarenzi

Nepo iwo matatu marudzi einishuwarenzi yemhosva ari iwo ega marudzi anosungirwa, Illinois inoziva 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.

Inishuwarenzi Questionnaire

Kuve nechokwadi chekuti vese varidzi vemotokari dzeI Illinois vanochengeta yavo inosungirwa inishuwarenzi yemhosva, iyo nyika inotumira zvisina kujairika makomputa emibvunzo kune varidzi vemotokari. Kana wagamuchira gwaro remibvunzo, unofanira kupindura sezvinotevera:

• Zita rekambani yako yeinishuwarenzi

• Nhamba yeinishuwarenzi yako

Kana iwe usingapindure kana ruzivo rwako rusina kusimbiswa nemupi weinishuwarenzi, kunyoreswa kwemotokari yako kuchamiswa.

Zvirango zvekutyora mutemo

Kutyaira pasina inishuwarenzi chaiyo muIllinois kana kutadza kupa humbowo hweinishuwarenzi nenzira yekadhi reinishuwarenzi rinoshanda kana wakumbirwa nemukuru wezvemitemo kunogona kukonzera faindi uye nguva yejeri, kusanganisira:

• Kumiswa kwekunyoresa mota yako

• Minimum faindi $500

• Mari shoma ye$1,000 yekutyaira mota ine kunyoreswa kwakamiswa nekuda kwekutyorwa kweinishuwarenzi.

Kuti udzorere yako Illinois mota kunyoreswa, iwe unofanirwa kupa inoshanda uye yazvino inishuwarenzi mutemo uye kubhadhara $100 yekudzosera mubhadharo. Kana iyi isiri yako yekutanga kutyora inishuwarenzi, unogona zvakare kutarisana nekumiswa kunyoresa mota kweinenge mwedzi mina.

Kana ukawanikwa uine mhosva yekutyaira usina hanya, sekutyaira wakadhakwa, unogona zvakare kudikanwa kuti upe SR-22 Financial Liability Document inosimbisa kuti une inishuwarenzi inodiwa kubva kukambani yeinishuwarenzi yakatenderwa.

Kuti uwane rumwe ruzivo, bata Illinois Secretary of State's Hofisi yeSecretary of State Driver Services pane yavo webhusaiti.