Inishuwarenzi inodiwa pakunyoresa mota muIndiana
Kuti utyaire zviri pamutemo mota muIndiana, unofanirwa kumutsidzira kunyoreswa kwemotokari yako neBureau reMotokari gore rega rega. Kuti uite izvi, unofanirwa kupa humbowo hwekuti une inishuwarenzi yemhosva inodiwa.
Inishuwarenzi yakaderera inodiwa kune varidzi vemotokari pasi pemutemo weIndiana ndeiyi:
$10,000 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 weinishuwarenzi yekukuvara kwemuviri iUS $ US 50,000 XNUMX kuvhara nhamba diki yevanhu vapinda mutsaona (vatyairi vaviri).
Izvi zvinoreva kuti inodiwa inishuwarenzi yemhosva ndeye $60,000 yevatyairi veIndiana.
Mutemo weIndiana unodawo inishuwarenzi kune vatyairi vasina inshuwarisi uye vasina inshuwarisi, iyo inobhadhara mari kana pakaitika tsaona inobatanidza mutyairi asina huwandu hwakakodzera hwekuvharwa kunodiwa nemutemo. Mari shoma yemhando yega yega ndeiyi inotevera:
Inishuwarenzi yemutyairi isina inshuwarisi inofanirwa kuenzana neinodiwa zvishoma kune general liability inishuwarenzi muIndiana ($60,000).
Underinsured motorist insurance inofanira kunge iri $50,000.
Mamwe marudzi einishuwarenzi
Kunyangwe aya marudzi einishuwarenzi yemhosva ari iwo ega anosungirwa marudzi, Indiana 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.
Mari yekurenda inobhadhara kushandiswa kwemotokari yekurenda apo mota yako iri kugadzirwa mushure metsaona.
Gap coverage, iyo inovhara yakasara yekurenda kana kubhadharwa kwechikwereti chemotokari kana iyo yakazara kukosha kwemota yaive yakaderera pane yaichiri kukweretwa.
Custom Parts uye Equipment coverage, iyo inobhadhara mutengo wekutsiva zvisiri-standard upgrades pamotokari yakakuvadzwa mutsaona.
Chiremba chekuenderana
MuIndiana, makambani einishuwarenzi anosungirwa kuzivisa kuhurumende BMV kana mutyairi akapihwa tikiti kana kuita tsaona. Chitupa ichi chinoshandiswa sehumbowo hweinishuwarenzi kuratidza hurumende kuti mutyairi ari kusangana nemutemo weinishuwarenzi shoma. Kana chitupa ichi chisina kuiswa mukati memazuva makumi mana kubva pazuva, BMV inotumira chikumbiro uye unogona kutarisana nekumiswa kwerezinesi rekutyaira.
Zvirango zvekutyora mutemo
Kutyaira pasina inishuwarenzi muIndiana kunogona kukonzera kurasikirwa kwerezinesi rako rekutyaira kweanosvika gore rakazara.
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 Indiana Bureau yeMota Vehicles pawebhusaiti yavo.
